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About TrustedPals Pet Insurance
TrustedPals Pet Insurance provides health coverage for dogs and cats over 8 weeks old. Insurance coverage is available for injuries or illness, and policyholders can use any licensed veterinarian of their choosing. A wellness plan is also available. Note that TrustedPals is no longer accepting new applications, but will continue to service existing clients.
Pros & Cons
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 benefit | Monthly 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 benefit | Monthly 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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Reviewed Aug. 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.
Reviewed April 11, 2022
Claim #1: Vet procedure: 1/27 Reimbursement date: 3/1. They claimed my dog was only "partially" covered even though I clearly have the wellness plan add-on. I had to wait more time so they could also honor my add-on plan. Claim #2: Procedure date: 2/23 Reimbursement date:4/20. I submitted the same documents about 4 separate times, called about twice a week, and had to figure everything out myself since I would never receive any communication from them unless I called myself.
You're honestly better off just saving 100 dollars a month in a separate savings account for whenever your pet will need it. I submitted all documents ASAP and in multiple instances I would wait a week without hearing anything only to call them myself and be told to send the files again because they're "corrupted". I heavily implore anyone reading this to not choose TrustedPals and instead choose any other option that won't keep you in the dark, refuse to do their jobs, and more importantly, leave you in a possibly rough financial situation because it is impossible to predict when you will receive your money back that you are rightfully owed. Please spare yourself the many headaches I went through with this company.
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Reviewed 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.
Reviewed 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!
Reviewed 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.
Reviewed 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!
Reviewed 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!
Reviewed 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.
Reviewed 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.
Reviewed 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.
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
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