Rating: 8.6 / 10 (Excellent)
33 Customer Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. Learn more.
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.

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
Headquarters Address
12421 Meredith Drive, Urbandale, IA, 50398
Year Founded
2019

Top Rated
Our Partner

  • Rated Best Customizability on Money.com
  • Get up to 100% back on eligible vet bills
  • $4000, $8000, $15,000, and unlimited coverage limits available
  • Optional wellness coverage with $750 benefit limit, including preventative dental
  • Adjustable co-pays and deductibles
  • Visit any licensed vet, nationwide

Latest TrustedPals Reviews

8.58
Based on33 Reviews fromTrustedPals customers
bigfrank

8/31/2022
The worst company to try to get logged into, You have to change your password about every other month and then the password reset does not work. Call up the company and the rep can not help with logging in, very frustrating to get help to log in and get your claim in, and if you are lucky enough to log in there is no way to see the status of your claim, Save yourself some headaches and go with a company that does not force you to change your password constantly.


veratorres70

1/24/2022
Not very happy, every time I have submitted a claim it has been a hassle, either they don’t respond or you are on hold forever waiting on someone . After submitting all of my pets records, they ask every time for copies of his records. I would think they should have them on file. Good luck if you decide to go with hem.


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Doreen

9/16/2021
Horrible customer service! Cannot get into my account to see my cat’s policy. Have called them several times and it’s been over a week and still cannot get in. The customer service rep we spoke to said she has the same problem with her account!!! I’ve asked to speak to a manager and they will not have a manager call me back. I’m getting ready to cancel my policy


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Minnie

3/29/2021
This company has had a phone recording that they are closed for an emergency Friday and Monday 3/26 and 3/28. Not sure what's going on? Never heard of suspending business. Their CS is located all over the US...no weather reson for shut down. Suspended insurance license? What's the emergency?


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Peter G

12/30/2020
After my previous pet insurance company raised my rates to the level of insanity, I looked around for a new insurer. TrustedPals popped up and after a little exploration on their web site I had no hesitation about signing up. My dog is a service dog so his health and safety is very important to me and, consequently, having good insurance for him is a must. I signed up for a TrustedPals policy without a cap so I don't have to worry about vet costs. Sure, I still have to pay 10% but I can deal with that if it means keeping my dog alive and well. Thankfully I haven't had to file a claim yet but I feel confident that TrustedPals is there when I need them. They keep in touch via... Read More


evamontejano14

12/30/2020
Great experience so far! I switched over about 6 months ago, and I definitely am not dissapointed. Before switching I just about looked everywhere... I mean that. All rates where the same every where except trusted pals. I was able to get a significantly less rate for the exact same thing some where else. Because of this I was able to maintain my 90% reimbursement. Customer service is great. I dont spend forever on hold (which is appreciated) I also want to say that every time I have talked to someone on the phone it has been the same person... Which is also appreciated! Talking to the same person and not a different one ever time.


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Raquel G

12/30/2020
I wish I knew about TrustedPals sooner!! I decided to get insurance when I couldn't afford to pay the bills out-of-pocket for my senior dog. This is when I tried out TrustedPals, and glad it worked out. It's super easy to sign up. Making a claim was super easy as well and took less than 5 minutes. I also like how they gave out email confirmations stating that my claim went through and I am able to feel relaxed. Not to mention that when I had to call because I had multiple questions; they were super fast to answer and got my response which helped me to feel at ease. Not to mention, the staff always attending to my needs which I appreciate! Honestly, I am glad to have insurance that cares... Read More


jbgoldm

12/29/2020
Very affordable. Timely responses and friendly staff. Super easy to file a claim and the turn around time for review has been between 24-72 hours so far for me.


nancykimbrough.co

12/29/2020
I recently switched to TrustedPals after my previous insurance rates jumped drastically. I have been impressed by their knowledgeable responses to my questions and concerns. Not only is the premium 2/3 less than my old insurance- the coverage is much better!


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Beez

12/28/2020
After reviewing many insurance plans, we decided on TrustedPals and are glad we did. The rates are reasonable and cover many things. We included the Wellness Plan which came in very handy when our adopted dog needed to be brought up to date in all her shots and to have her spay surgery. TrustedPals quickly approved the claims and deposited the funds directly into our account in a timely manner. I would like to be able to see our claims on our account when we log into the website. Hopefully that will possible soon.


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Gav M

12/28/2020
We recently purchased pet insurance by Trusted Pals for our beloved dog, Bear.The Company is new but after careful research it seemed to be good value and well trusted among pet owners.The only downfall is the extra preventative insurance we purchased will not cover the cost for Bears dental cleaning which is why one of the reasons we purchased this in the first place. Hopefully, the Company will see the need to up the amount of coverage to cover dental cleaning.


lsternbe

12/25/2020
TrustedPals has really great customer service!! They have always been so great to work with. Whenever there's a problem, they are so easy to reach and very amenable! I love working with Trusted Pals. Thank you for providing such great care for my dog!


erinmillinoff

12/24/2020
After looking at what felt like a million pet insurance companies I finally found TrustedPals. What I loved the most was that they didn't allocate how I was able to use the money within the 'wellness plan'. Any time I've ever had a question regarding a claim, I always get a quick response and these people are the nicest around. It feels like the Chik-fil-a of pet insurance companies! I haven't had to use it for any accidents yet, but so far I'm very happy with the wellness plan.


Devra S

12/23/2020
I searched around for great comprehensive insurance without limits, and Trusted Pals fit the bill. Limits, especially when accidents happen, can add up quickly. Hopefully I won’t need to use it, but I’m glad I have it in case I ever do.


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Ben

12/22/2020
Website login lacks features but getting better. Provides good value, professional, responsive. Claims sometimes take longer than expected but when contacting them they are able to see what is keeping it.


aryellewatkins

12/22/2020
I got my pup pet insurance as soon as I got him. My friends recently had a dog get diagnosed with cancer who sadly passed away. The cost of the treatment for their pup was outrageous. I knew if I were in their situation I couldn’t afford it so I opted for pet insurance. I like how trusted offers a wellness plan along with the accidental coverage. It will help out a lot this first year with vaccines, neutering, and all the check ups my pup has to have. I have already submitted a claim and it was super easy. I got an email shortly after saying that my claim was approved and added to my deductible. I have no complaints 😊


lindsyking55

12/22/2020
I was little hesitant to get my kitten's insurance through trusted pal because I never heard of it. But after deep research, I went ahead and gpt coverage through them. So far, I have made 3 claims (vaccines, visit fees, spay with added wellness plan) Reimbursement came quick, direct deposited into my bank account within few days. I love how I choose 100% coverage with $100 yearly deductible. Plus their premium is far unbeatable. I 100% recommended.


northouses22

12/5/2020
I did a lot of research in pet insurance; price, deductibles, coverage, limits, etc. and compared each side by side. My conclusion was to use TrustedPals for coverage (illness/accident coverage and wellness coverage - routine vet visits coverage) of my newly rescue dog only after calling them and talking with a representative. He was very informative on the coverage and such. Additionally, he advised me of the claims policy; payment type, procedure in providing vet invoices and time it would take to process. I had my first claim; routine vet visit, vaccines, etc.. Paid myself at the vet, vet emailed invoice, uploaded invoice to TrustedPals' website. I received an email that they will... Read More


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Rae L

12/4/2020
I really like this company. I have had other pet insurance policies before, but this is my favorite. They are always available on the phone for my questions and have the quickest responses for claims of any company that I know of. Their injury coverage is AWESOME. It's truly great value. Their Wellness policy only covers $750 a year max, so that's a bummer. For example, a standard pet teeth cleaning is around $2500, so you might want to get a second insurance policy for any thing wellness related. But for any emergency or illness care, this company is great!


notonealone89

12/4/2020
TrustedPals is easy to navigate and affordable to help protect my fur baby. We love them!!


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.


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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.


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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!