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Ralph Davidson
- May 7, 2023
Pets have always been counted as members of the family and are protected by their owners or an insurance company. Today, there are many insurance companies that are willing to help our cuddly companions or underwater friends, and TrustedPals is one of them.
Want to jump straight to the answer?
TrustedPals is Best Choice for:
Pet owners who want a wide range of choices: TrustedPals offers a variety of options for annual coverage amounts, reimbursements, and deductibles, providing flexibility for pet owners to customize their coverage according to their needs.
Pet owners looking for competitive pricing: TrustedPals is mentioned to have very competitive pricing, making it a suitable option for those seeking affordable pet insurance.
Service dog owners: TrustedPals offers a 5% discount for service dogs, making it a favorable choice for individuals with service animals.
TrustedPals may not be the ideal choice for:
Pet owners with pets prone to cruciate ligament or hip dysplasia issues: There is a 12-month waiting period for coverage of these specific conditions. If your pet is already diagnosed or prone to these conditions, it might not be the most suitable insurance option.
Pet owners who desire 24/7 pet telehealth support: TrustedPals does not provide a 24/7 pet telehealth line, which may be a disadvantage for individuals seeking round-the-clock veterinary assistance.
Key Benefits
- 5% Discount
- Wellness Program
- 100% Reimbursement Options
- Covers All Veterinary Expenses
- Cover Prescribed Food and Training
TL;DR
| Policy Name | Coverage | Cost | Benefits | Claims Process | Overall Rating |
|---|---|---|---|---|---|
| Complete Coverage | Accidents, illnesses, and routine care | Varies by plan and pet |
|
Submit claims online, by email, or by mail | 4.5/5 |
| *Prices vary based on pet age, breed, and location. TrustedPals offers a variety of plans with different levels of coverage and deductibles. | |||||
TrustedPals is a pet insurance company that appeared on the market in 2019. The company is operated by Marsh USA Inc., and its policies are underwritten by Zurich American Insurance Company.
TrustedPals is a top-notch pet-carrying company that provides tons of possibilities for you and your pet. TrustedPals offers customizable wellness insurance coverage, illness, and accident coverage of your pet, along with all the costs that come your way.
Once you visit their website, you’ll see the endless list of choices offered by TrustedPals, and you won’t know where to start!
Since this is a new site for all folks out there, you’re in the right place – we cover it all here!
What’s on TrustedPals’ Offer?
TrustedPals is an insurance company that likes to keep things as simple as possible. The site offers two types of insurance, one for cats and one for dogs. No matter which plans you’ll choose, they work the same.
Each of these two plans offers the same coverages for both cats and dogs. If you decide to get TrustedPals as your pet insurance company, you’re going to pay a monthly or an annual fee for the services of the coverage.
The TrustedPals policy covers many aspects, such as injuries and medications, but it also features a list of points that are excluded or not covered by the policy. Below we have a list of what is and what’s not covered by the insurance policy.
The TrustedPals pet insurance offers cover the following aspects:
- Any kind of surgery for the pet;
- Prescription medications;
- Prescriptions for food and supplements;
- Any type of vet visits;
Here are the following aspects that are not covered by the TrustedPals insurance policy:
- Grooming;
- Boarding;
- Unprescribed food, medicals, and treatments;
- Pre-existing conditions
Also, there are a few things that are not covered by the insurance from the start. For instance, critical ligament injuries are not covered for the first year of the policy. Preventive care that includes the wellness of the pet is not included unless you decide to opt-in for this additional feature.
TrustedPals Wellness Program
The wellness program is an optional part of the insurance deal offered by TrustedPals. Unlike the accident or the illness plan that comes in place if something goes wrong, the wellness plan is something else. For example, if your dog eats leftover chocolate from a couple of weeks ago, or your cat has stomach issues, the regular plan will cover everything.
But what if you can prevent all this from happening in the first place? TrustedPals offers a special wellness program for your pet, and it’s available for all those that are interested in receiving help from things that are not emergencies. The wellness plan is here to keep your furry companion in top shape for an entire year.
Here’s a list of what the wellness program covers:
- Vaccinations of pets;
- Annual wellness exam;
- Neutering and spaying;
- Prescription of pet food;
- Dental cleanings;
- Heartworm testing;
Accidents and Illness Coverage
Created for dogs and cats of all ages, TrustedPals can protect your pets in case of an accident or any type of illness. Even if you don’t like thinking about going to the vet and buying vitamins or pills for your pet, in reality, all pets will end up at the vet at some point.
In case you didn’t know, the visits to the clinic are rarely cheap, but TrustedPals is here to help you. Having pet insurance is essential today, as depending on the situation, the clinic visit can be extremely expensive.
TrustedPals will make sure to cover all clinic expenses for all incidents or illnesses that might occur. With TrustedPals, there will be no more debates on getting your pet the help it needs, as the insurance policy from TrustedPals has it all covered.
The accidents and illness plan will cover your expenses from things like:
- All testings and diagnostics;
- Trips to the vet, including fees on exams;
- Medications;
- Prescribed treatments like cones, surgery, etc.;
- Training and behavior therapy prescribed by the vet;
Today, not many pet insurance companies cover aspects such as prescribed food therapy and training, but TrustedPals is not among them. Since the company offers these uncommon features, it makes it a one-of-a-kind pet insurance company – for a reason!
How Much Does the Insurance Cost?
TrustedPals’ prices on insurance policies are based on the chosen benefits, deductibles, and co-pay. The company offers three types of annual coverages of insurance. These are a coverage cap of the amount of money the company will pay for you during one year. Here are the company’s caps for the three coverages.
- $4,000
- $8,000
- Unlimited
These are the maximum annual limit options, and you must keep a record to know how much is left from this offer until the end of the year.
The deductible options are set before your policy coverage begins. What this means is that you must pay a set amount aimed towards the costs at the vet. These costs are known as deductibles, and TrustedPals offers four deductibles:
- $100
- $250
- $750
- $500
Like all pet insurance companies, TrustedPals applies a reimbursement level to any insurance policy. The reimbursement level is a percentage of the veterinary bill your insurer will reimburse you for. Here are the following percentages offered by TrusedPals:
- 70%
- 80%
- 90%
- 100%
5% discount
Wellness Program
100% Reimbursement Options
Covers All Veterinary Expenses
Cover Prescribed Food and Training
What Do Customers Say About TrustedPals?
This article has the purpose of giving you honest insight on TrustedPals as a pet insurance company. Our review also contains all pros and cons that you should know before getting insurance from TrustedPal.
For you to save up some time, we did our research and paid attention to the user’s experience with TrustedPals because the customer’s review is the most reliable one. Here’s what we’ve found:
Pros
Unlike some pet insurance companies on the market, TrustedPals is known to offer uncommon features if you decide to opt-in. For instance, the wellness program cannot be found on all pet insurance policies, but TrustedPals offers one for both dogs and cats.
Furthermore, the company covers all veterinary expenses in case of accident or illness entirely for free. One of the most significant advantages of using TrustedPals is the unique 5% discount on service dogs, along with $0 deductible or 100% reimbursement options. The waiting period for all accidents won’t take more than five days when it comes to the waiting period.
Not all pet insurance policies cover prescribed food and training. Considered as the biggest advantage, TrustedPals covers all prescriptions for food and supplements, and it also allows affordable plans for young cats and dogs.
Additionally, we took a peek at the rating of TrustedPals, and no matter where it was, it was rated with a maximum of five stars! This is solid proof that TrustedPals is one of the most trusted pet insurance companies out there, for sure!
The other advantage associated with TrustedPals is customer support.
Many users state that the customer service is friendly and willing to assist with anything. Some clients even said that the same person answered their calls multiple times, which is great for them. Other customers state that there’s no such thing as keeping you on hold, which is appreciated by all users.
As you can see, the list of advantages by TrustedPals is big, and no wonder this pet insurance company is beloved by many users online!
Cons
No matter how big and great a pet insurance company is, it cannot go without its flaws.
For instance, one of the biggest cons of TrustedPals is the extended 12-month waiting period for coverage on a cruciate ligament or hip dysplasia.
Compared to other pet insurance companies, the work is mostly the same as TrustedPals, considering these two aspects of the policy.
The other notable con of TrustedPals is that you must pay extra money for preventative care. Besides its rich palette of pet insurance features, TrustedPals does not offer this in its services.
Furthermore, you won’t find a 24/7 phone line, which is also known as a telehealth line. The telephone line is available only during working hours, five days a week.
One of the most notable cons that users noticed is the expensive policy on older pets. This is due to the fact that older pets might be more injury-prone, and the visits to the vet will become more frequent. The more you go to the vet, the faster you’ll spend the money offered by the company in their policy.
TrustedPals Waiting Period for Coverages
All pet insurance companies have a specific timetable for their coverages. This is the period of time before coverage can begin after its activation. The amount of time is also known as the waiting period, and all pet insurance companies have it.
TrustedPals, as one of the newest pet insurance companies today, offers few periods of coverage. Here are some of them:
- 14-day waiting period on accidents and illness;
- One year cruciate ligament waiting period;
- One year waiting period for hip dysplasia;
The 14-day waiting period is somewhat longer when compared to other competitors of TrustedPals. Since injuries are unpredictable, a shorter period of waiting time is the ideal option for the user. Still, the 14-day waiting period is known to be the average in the industry.
The other two waiting periods on the cruciate ligament and hip dysplasia are longer when compared to other competitors, but keep in mind that TrustedPals has been in the industry for just two years.
Saving Money on TrustedPals Insurance
TrustedPals is known to offer ways for pet owners to save money on buying their insurance policies. For instance, you can get a 5% discount known as ‘MultiPaw’ if you decide to get insurance for more than just one pet. This is the only way to get a 5% discount, however. There are a few other options where you can receive this discount, and they are stated in the shortlist below:
- First responders;
- Discount for all service animals;
- Vet students;
- Discount for active military members and retired veterans;
- Vet clinic workers;
It’s important to note that these discounts are not available for residents from New York and Tennessee.
Payments & Rules
If you’re paying your monthly policy installments, a fee of $1 will be charged every month, but if you decide to pay annually, there won’t be any fees charged. TrustedPals is one of those pet insurance companies that will allow you to change the payment method. For instance, if you have had enough of using your debit or credit card, all you need to do is to contact the team and inform them about the change. Note that they can only add one banking method at a time, and this won’t apply to payroll deduction arrangements.
You must also know that TrustedPals won’t allow you to change the payment date on your policy. The payment date is always linked to the pet’s plan, and the operators cannot change that. Because of this rule, make sure to set a permanent date and think twice before confirming.
You can use major credit and debit cards such as Visa, Maestro, and Mastercard when it comes to banking options.
Our Final Thoughts
If you made it this far to the end of our review, then you must’ve already painted a picture in your head about TrustedPals. This pet insurance company has been around for just two years, but in that short time, it managed to be ranked with five stars on all significant pet insurance review sites.
With their impressive and reasonable offers, TrustedPals is on its way to becoming one of the most recognized pet insurance companies in the world, not just the United States!
So, the next time you pull your hair which pet insurance to choose for your beloved pet, rest assured that TrustedPals can indeed earn your trust.
TrustedPals Pet Insurance Alternatives
To find the best TrustedPals Pet Insurance alternative for you, it’s important to compare the plans offered by different companies.
Consider your budget, your pet’s age and health needs, and the type of coverage you’re looking for. You can also read reviews of different pet insurance companies to get a better sense of their customer service and claims process.
TrustedPals Pet Insurance alternatives:
- Embrace Pet Insurance – Better coverage, with a focus on preventive care.
- Figo Pet Insurance – More customizable plans, with a wide range of coverage options to choose from.
- Healthy Paws Pet Insurance – Better rates, especially for older pets and pets with pre-existing conditions.
- MetLife Pet Insurance – Quicker coverage for unexpected accidents.
- Lemonade Pet Insurance – Better overall value, with a unique Lemonade Care policy that offers a lower premium and a higher reimbursement rate.
- Pets Best Pet Insurance – Cheaper rates, especially for young pets and pets with no pre-existing conditions.
- Pumpkin Pet Insurance – Best for accident and illness coverage, with a focus on sudden onset illnesses and injuries.
- Spot Pet Insurance – Best for preventive care, with a unique wellness package that covers the cost of routine vet visits and vaccinations.
- Trupanion Pet Insurance – Best for lifelong coverage, with no annual or lifetime limits on benefits.
- ASPCA Pet Insurance – Best for pet parents who want to support a good cause, with a portion of every premium donated to the ASPCA.
- Nationwide Pet Insurance – Best for pet parents who want a variety of coverage options to choose from, including wellness plans, multiple pet discounts, and pre-existing condition coverage.
These companies offer a variety of pet insurance plans with different coverage levels and premiums. Some companies also offer additional benefits, such as wellness coverage, multiple pet discounts, and pre-existing condition coverage.
