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TrustedPals Pet Insurance Review

33 Customer Comments & Reviews - see all comments
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Founded in 2019, TrustedPals offers customizable accident, illness, and wellness insurance coverage for dogs and cats. TrustedPals is a trademark of Marsh USA, Inc. Policies are underwritten by Zurich American Insurance Company.
 
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How is TrustedPals rated?

Breakdown

4.0/5
Coverage
4.5/5
Cost
4.3/5
Extras

Overall Rating: 4.3 / 5 (Excellent)

TrustedPals is a relative newcomer to the pet insurance industry but the range of coverage they offer is on par with what's offered by many well-established insurers. They have one standard plan that covers the same illnesses, injuries and services, with the option of adding wellness coverage. Customers customize their plans by electing coverage limits, co-pays and deductibles. Some pet lovers may find choosing a plan based on price rather than coverage features simple and appealing. 

TrustedPals Coverage

Coverage - 4 / 5

Overall, the TrustedPals website is a little vague on covered services. A phone call to the company's customer service department cleared things up. But since knowing exactly what's covered is a key factor in choosing a pet insurance plan, TrustedPals has room for improvement when it comes to providing coverage details.

TrustedPals' basic plans cover veterinary and specialist visits, surgeries, hospitalization, prescription medicines, and any training or therapy prescribed by your vet. Alternative and holistic treatment by a licensed vet are also covered.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Behavioral

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

Benefit Limits

Benefit Limits - 4.2 / 5

TrustedPals allows pet owners to select from four coverage maximums: $4000, $8000, $15,000, and unlimited.
Benefit Limit Types
Annual
Lifetime

Reimbursement & Deductibles

Reimbursement - 4.5 / 5

TrustedPals advertises a ten-day average claims processing time, which is considerably shorter than some companies average. You can select reimbursement of either 70%, 80%, 90% or 100% at the time of enrollment. TrustedPals reimbursement is based on the actual veterinary bill. The company will compile all covered treatments for a given claim and pay your chosen percent after you've met the deductible.
Reimbursement Model
Benefit Schedule
Usual & Customary
Minimum Percent Reimbursement
30%
Maximum Percent Reimbursement
100%

Deductibles - 4.4 / 5

TrustedPals allows you to customize your deductible to find a plan that suits your budget. You select a $0, $100, $250, $500, or $750 deductible. As is the case with all kinds of insurance, choosing a higher deductible plan reduces your monthly premium.
Deductible Type
Annual
Pet Condition Lifetime
Minimum Deductible Offered
$0
Maximum Deductible Offered
$750

Pricing: How much does TrustedPals cost?

Cost - 4.5 / 5

Overall, when selecting minimum coverage limits, a moderate deductible, and high co-pays, TrustedPals' prices are on the low-end of average. The real value comes into play when you select their unlimited coverage plans, where prices are even more competitive.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$30.00
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$24.00
Rate Details: Annual Deductible: $750, Benefits Cap: $4000, Reimbursement Model: Reimbursement is calculated as the licensed vet's items/services invoice minus co-pays and deductibles.
Available Discounts: TrustedPals also offers many of the discounts available through other insurers, including a 5% multi-pet discount. Members of the military, veterinary workers and students,and first responders also get a 5% break through TrustedPals. 

Enrollment & Waiting Periods

Enrollment - 4.4 / 5

Claims can be submitted online through the company's PAWTAL. Say it out loud and give them credit for a cute pun. They do not offer a mobile app, which may be a drawback for some pet owners. The company's advertised claims response time is ten days, which is shorter than some other leading insurers advertise. Trustpilot and has not yet logged any reviews for TrustedPals and has not rated the company. Since many of the customer complaints we read about pet health insurers focus on claims response time, that may be a good sign that the company is living up to its promised turn-around times.
Min Enrollment Age
8 weeks
Accident Waiting Period
14 days
Illnesses Waiting Period
14 days

Claims & Service

Extras - 4.3 / 5

You can communicate with TrustedPals via phone, email or its PAWTAL. The customer service representatives we talked with by phone were friendly and well-versed on the company's products. 

Under TrustedPal's TrustedSpotter benefit, all pets are issued a unique ID collar tag to help under the unfortunate event a furry friend gets lost. The tag directs the person who finds a TrustedPals-insured pet to visit the company's TrustedSpotter page online, enter their contact information, and TrustedPals will help reunite the pet and pet owner.
Advertised Response Time
10 days
Claim Form
Online Portal

Contact & Additional Information

Homepage URL
https://trustedpals.com
Headquarters Address
12421 Meredith Drive, Urbandale, IA, 50398
Year Founded
2019

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33 Customer Comments & Reviews

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Craig C

12/3/2020
So far so good, 👍 Took my Gabby to the vet for prevention care, vaccinations, labs, heartworm/flea/ tick prevention . I filled claim and was reburst all the money that was owed to me and was deposited in my bank account in 2 weeks.

hannah.e.ohlson

12/3/2020
TrustedPals has been excellent so far! Nearly immediately after getting my rescue dog, she came down with HGE, which required an overnight emergency hospital stay. I would have had to pay nearly $2k out of pocket if I hadn't had pet insurance. The claim process was incredibly smooth, and I love that they cover vaccinations and other care as well! Such a good deal for my peace of mind, and given the aforementioned emergency, TrustedPals has already paid for itself for over 3 years.

P
Pamela R

12/3/2020
So far, I can’t say enough about the ease of enrollment (and love the fact that they act like they are talking to my dog!), the considerable value and selection of of the policies is extensive. We previously had pet insurance through another Insurance company and cancelled due to the extremely high premiums and poor customer service (think high cost and a fight to get anything covered). TrustedPals premiums are much lower and the policies cover much more - we even signed up for the Wellness plan. Our dog is turning 4 and we hope to have a long relationship with TrustedPals. Keep up the good work.

moraleprods

12/3/2020
So far so good. I've been a policy holder for a few weeks. I have submitted a few claims and the process is fairly easy. The customer service department is helpful via phone and email.

S
Sandra

11/28/2020
I had been putting off getting pet insurance because I thought it was very complicated. Once I came across Trusted Pals, I let out a sigh of relief! The coverages were explained in an easy manner. I absolutely love their wellness plan coverage as well! Great coverage for a great price. Submitting claims is really easy, they are quick and refund you quickly as well. I’m a very happy customer!

mybabyjo50

11/26/2020
Not very good communication. Last two calims still haven't processed yet after 20 days.. Website has links that don't go anywere. hard to locate any past documents /submitted claims.

julie0584

11/26/2020
So far this has been a great company that I'd recommend to others

julie0584

11/26/2020
So far this has been a great pet insurance company that I'd recommend to others

julie0584

11/26/2020
So far this has been a great pet insurance company that I'd recommend to others

B
Brenda K

11/25/2020
I retired as a Legal Assistant so o am used to doing a lot of research. I wanted to get the best insurance for my pet that I could afford. I checked out over 30 companies, but only Trusted Pals offered me not only various levels pf coverage but various levels of copays AND they pay for things that most companies dont begin to cover like dental cleanings, Dr. prescribed supplements, nail trimming, routine vaccines, etc Most of these are covered by adding their wellness coverage, but it is very reasonable. So while I agree this company is relatively new, they actually offer services that are of use to the average pet owner as well as the peace of mind in knowing your fur... Read More

Top Rated
  • 25% discount on all in-office medical care 
  • Pet wellness plans available
  • No age restrictions
  • Covers pre-existing and hereditary conditions
  • Discounts available immediately on sign-up
  • A+ BBB accredited company
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