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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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Tina S

11/25/2020
Sign up was easy and price was good. I liked how I can pick out the coverage, copay, and deductible level I wanted. I have had two claims since signing up and although I was paid out as much as I thought I would, the coummunitcation from start to finish of the claim is lacking. No confirmation email when you submit and no way to check the status. However, I have been informed that this problem is getting addressed and will be changing.

M
Maddi C

11/25/2020
After comparing 10+ different pet insurance companies, I chose TrustedPals. I have yet to need the accident/illness coverage (luckily), but I love the peace of mind I get. I also really appreciated that I was able to chose my deducible. As a student, I wanted my dog to be covered, but I have a strict budget. The big reasons TrustedPals stood out to me was: (1) I can use any vet/location; (2) their wellness add-on gives you a lump-sum to spend (instead of limits per item/vaccine that were lower than my vet charges); and (3) includes dental. All for lower/on par with many other large insurance companies!

scott.keller

10/20/2020
The coverage, which I didn't expect to use, with dental and oral surgery support was material in major decisions we had to make with my Boxer.

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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