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TrustedPals Pet Insurance

TrustedPals Pet Insurance

 4.7/5 (23 ratings)
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  • 1 stars

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About TrustedPals Pet Insurance

TrustedPals Pet Insurance provides health coverage for dogs and cats that can help significantly offset vet bills for pet owners. Insurance coverage is available for injuries or illness, and policyholders can use any licensed veterinarian of their choosing. A wellness plan is also available to stay ahead of your pet’s needs.

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    Overall Satisfaction Rating

    • 5 stars
    • 4 stars
    • 3 stars
    • 2 stars
    • 1 stars

    Pros

    • Covers prescription food
    • Covers prescription supplements
    • Affordable plans for young pets
    • Customizable quotes

    Cons

    • Preventative care extra
    • Expensive coverage for older pets

    Bottom Line

    TrustedPals Pet Insurance offers sick and injured pet coverage for dogs and cats. If you insure your pet while they’re young, coverage is affordable and protects you against surprise vet bills.

    How does TrustedPals Pet Insurance work?

    TrustedPals Pet Insurance keeps things simple by offering two plans, one for dogs and one for cats. Each plan provides the same coverage, but you can customize the annual benefit amount.

    With TrustedPals insurance, you pay a monthly or annual fee for coverage. When your pet is ill or injured, you take them to your preferred veterinarian and send the bill to TrustedPals for reimbursement. You’re responsible for a copay and deductible, and TrustedPals pays the rest.

    TrustedPals Pet Insurance Coverage

    TrustedPals' policies cover:

    • Sick/hurt pet vet visits and treatments
    • Surgery
    • Prescription medications
    • Prescription food and supplements

    TrustedPals does not cover:

    • Preexisting conditions
    • Nonprescription treatments, food and supplements
    • Boarding
    • Grooming

    Hip dysplasia and cruciate ligament injuries are not covered for the first 12 months of your policy, but these conditions are covered after your first full year of coverage.

    Preventative care, including wellness exams, nail trims and heartworm protection, is not covered unless you opt for the company’s add-on wellness plan.

    TrustedPals Pet Insurance cost

    TrustedPals' prices vary based on your chosen annual benefit, copay and deductible. There’s a simple quote tool on the company’s website that lets you adjust your plan until you’re satisfied with the quote.

    We ran through a sample quote for a 3-year-old golden retriever mix. The website’s settings for our quote defaulted to a $250 deductible and 20% copay. You can then select an annual benefit amount to get your monthly premium cost. Here were the options:

    TrustedPals’ monthly cost for a 3-year-old golden retriever mix

    Annual benefitMonthly cost
    $4,000$32
    $8,000$35
    $15,000$39
    Unlimited$46

    When we adjusted our sample dog’s age from 3 to 12, the price went up significantly. With the same $250 deductible and 20% copay, we received these quotes:

    TrustedPals’ monthly cost for a 12-year-old golden retriever mix

    Annual benefitMonthly cost
    $4,000$89
    $8,000$99
    $15,000$109
    Unlimited$129

    You can opt to pay monthly or annually, but we saw no discount for annual payments. Service dogs get a 5% discount on their premium.

    TrustedPals Pet Insurance FAQ

    Does TrustedPals offer any discounts?
    Yes, there are a few discounts you can take advantage of from TrustedPals. Any of the following qualifies you for a 5% discount on your premium.

    For pets:

    • Service animal discount
    • Multi-pet discount

    For pet owners:

    • Active military personnel and veterans
    • First responders
    • Veterinary students
    • Veterinary clinic employees
    Does TrustedPals Pet Insurance cover preexisting conditions?
    No. Like most pet insurance companies, TrustedPals does not cover preexisting conditions.
    What is TrustedPals Pet Insurance’s cancellation policy?
    You can cancel your TrustedPals insurance by calling customer service.
    Does TrustedPals provide preventative care?
    TrustedPals’ pet insurance plans do not include preventative care, but the company offers a wellness program for an additional fee. The wellness program covers services like teeth cleaning, spaying or neutering, flea and tick prevention and vaccines.

    Is TrustedPals Pet Insurance worth it?

    TrustedPals Pet Insurance has a relatively low monthly fee for younger pets, and having an insurance plan can easily pay for itself with one or two large vet bills. Prices for older pets are more expensive but similar to what we’ve seen from other pet insurance companies. We recommend getting a quote from TrustedPals and comparing it to one or two competitors to make an informed decision.

    TrustedPals Pet Insurance Reviews

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    Page 1 Reviews 0 - 10
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 16, 2021

    STAY AWAY FROM THIS INSURANCE POLICY! IT'S A SCAM! GO ELSEWHERE! Paid for coverage for my pet for close to a year w/ premiums at 138 a month. They refused to pay 3 claims that were submitted by vets with invoices and on the one they did pay, they tried screwing me out of reimbursement for the medication. You literally have to go over their work, who has time for that. Go to Pets Best or Lemonade or ASPCA who have been in the business for over 10 years. This pet insurance is only 3/4 years old and run by a 3 man show (Rachel, CSR-Jordan-CSR, Christine **-supposedly a manager). Company is a scam. Furthermore I asked the manager for the name of her supervisor and she said "The buck stops with her" then hung up on me-how unprofessional.

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    Rated with 5 stars
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    Verified Reviewer Verified Buyer
    Original review: Dec. 31, 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 website 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 newsletters so I always know they are around and they still have my dog's back. I did a lot of shopping and from what I can tell, you won't find a better pet insurance policy on the market today!

    2 people found this review helpful

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Dec. 30, 2020

      I am very happy I was forced to look for a different policy due to increased prices in my previous policy. I was able to get the same coverage for less a cost with Trustedpals. There is even some additional coverage that I didn't have with other insurances that I do with trusted pals like prescription food! My dog has digestive issues and has to take specific food that is pricey so it's great that it is covered! I love their customer service, It doesn't take forever to speak to someone. Overall the last 6 months have just been a great experience.

      3 people found this review helpful
      Rated with 5 stars
      profile pic of the author
      Verified Reviewer Verified Buyer
      Original review: Dec. 30, 2020

      Best decision I could ever make!! 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 about me and my dog's needs!

      2 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Dec. 29, 2020

      I recently switched my dog's health insurance to TrustedPals after my previous insurance premiums jumped in price drastically. I have been impressed by their knowledgeable responses to my questions and concerns. AND not only is the new premium 2/3 less than the previous insurance plan, the coverage is much better!

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Dec. 29, 2020

      I’ve filed 3 claims so far and the response time and interactions have exceeded my expectations. Filing a claim is very easy. Response times even during holidays have been within 24-72 hours. Details of benefits have been explained every step of the way.

      2 people found this review helpful
      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: Dec. 29, 2020

      After careful research we purchased pet insurance by a new company called TrustedPals. The company had great reviews however the one downside was their preventative extra insurance is not even enough to cover our pet, Bears dog dental cleaning. We hope they change this in the future to be higher limits otherwise their insurance seems above par.

      3 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Dec. 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 had 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 Chick-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.

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Dec. 23, 2020

      I hope to not have to use the insurance portion of my policy, but if I do, I’m glad that there are no limits. Very bills can add up in a hurry. Sign up process was easy, and this policy is the same as what I’ve paid elsewhere, but with no limits.

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Dec. 23, 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. It is easy to sign up for the insurance plan.

      2 people found this review helpful

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        TrustedPals Pet Insurance Company Information

        Company Name:
        TrustedPals Pet Insurance
        Company Type:
        Public
        Address:
        12421 Meredith Dr
        City:
        Urbandale
        State/Province:
        IA
        Postal Code:
        50398
        Country:
        United States
        Website:
        www.trustedpals.com