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| Covered Treatment | Accident and Illness | Wellness Add-On |
|---|---|---|
| Virtual vet visit | ✓ | |
| Exam fees | ✓ | |
| Hereditary conditions | ✓ | |
| Chronic conditions | ✓ | |
| Prescription medicine / food / supplements | ✓ | |
| Rehabiliation / alternative care | ✓ | |
| Death benefits | ✓ | |
| Non-routine dental | ✓ | |
| Prescribed training / therapy | ✓ | |
| Teeth cleaning | ✓ | |
| Spaying / neutering | ✓ | |
| Flea and tick prevention | ✓ | |
| Vaccinations | ✓ |
Available Riders / Add-Ons
If you want more coverage than the accident and illness plan has to offer, you can take advantage of a wellness add-on to receive routine and preventative care coverage for the issues shown above. You’ll get $ 750 per year in coverage for treatments prescribed by a licensed vet after your plan’s deductible is met.
Waiting Periods
Most pet insurance companies have waiting periods after enrollment that dictate when coverage kicks in, which are designed to prevent fraud. TrustedPal’s waiting period is 14 days for most accident and illness-related issues. For hip dysplasia and cruciate ligament problems, the waiting period is 12 months.
Cancellation Policy
You can cancel your plan at any time by calling (800) 358-3801. When you cancel, you can potentially receive a refund for any unearned premium on a prorated basis.
Plan Exclusions
With TrustedPals’ wellness add-on you can get coverage for things like spaying and neutering, which aren’t covered by the base plan. The following aren’t covered by any plans or add-ons:
- Pre-existing conditions
- Boarding, grooming, transport
- Microchipping
- Anything not prescribed by a veterinarian
Pre-Existing Conditions
TrustedPals does not cover pre-existing conditions that occur before coverage begins. However, if a pre-existing condition is fully cured for six months, you may receive coverage for it if your pet gets the condition again.
Plan Pricing
The cost of your TrustedPals plan will depend on a few different factors, such as your pet’s age and breed, where or not your pet is a male or female. You can expect your plan to pricing to rise throughout your pet’s life, as it generally costs more to care for older pets.
Luckily, there are some discounts available through TrustedPals:
- 5% discount for insuring more than one pet
- 5% discount for military members or Veterans, those that work in a veterinary clinic, vet students, first respondents, and owners of service animals
Discounts aren’t allowed in New York and Tennessee.
You have some flexibility when it comes to your reimbursement level, annual deductible, and annual benefit limit; All of those factors will impact your premium costs.
- Reimbursement level: 100%, 90%, 80%, 70%
- Annual deductible options: $ 0, $ 100, $ 250, $ 500, $ 750
- Annual benefit limit: $ 4,000, $ 8,000, $ 15,000, Unlimited
There is no lifetime benefit limit.
TrustedPals says you can receive a quote online in two minutes, and plans start at $ 0.67 a day.
Claims
You can file an insurance claim online using TrustedPal’s “Pawtal” (where you can also track your claim), or you can file by phone at (800) 358-3801. You can only file claims after the waiting periods are over.
TrustedPals aims to finalize the claim process within ten business days. If they need more information to complete your claim they will usually contact your vet directly and will inform you if the claim will take longer than expected.
You must submit your claim within 60 days of the treatment or invoice date.
Customer Service
You can contact TrustedPal’s customer service team by email or phone. Phone support is available Monday to Friday, 7 a.m. to 6 p.m. CST.
- Email: contact@trustedpals.com
- Phone: (800) 358-3801
Third-Party Ratings
TrustedPals’ pet insurance is underwritten by Zurich American Insurance Company, which received one of the highest possible AM Best scores (A + out of A ++). This high score signals that the company is financially stable, and therefore likely to pay out its insurance claims.
Zurich American Insurance Company did not receive any customer complaints from the Consumer Financial Protection Bureau, another good sign. When Investopedia spoke to TrustedPals customers, one client said they would chose to renew their policy because “They are extremely reliable and our interactions are professional. The coverage and reimbursement is excellent. ”
Alternative Choices
Before signing up for a pet insurance policy, it’s important to do your due diligence and shop around for the best policy to meet your needs. When looking at different pet insurance providers, compare the following elements of each policy.
- Deductible amounts
- Which treatments they cover and which they don’t
- How they handle pre-existing conditions
- Coverage limits
- Monthly premium
- Wellness coverage (may be a rider)
- Reimbursement percentages and limits
- Breed or age limits
Competition
| TrustedPals | Companion Protect | Prudent | |
|---|---|---|---|
| Annual Deductible Options | $ 0, $ 100, $ 250, $ 500, $ 750 | $ 100 | $ 100, $ 250, $ 500, $ 1,000 |
| Reimbursement Percentage | 70%, 80%, 90%, 100% | 90% | 70%, 80%, 90% |
| Average Claim Turnaround Time | 10 days | 4-6 days | 3-30 days |
| Illness Waiting Period | 14 days | None | 14 days |
| Injury Waiting Period | 14 days | None | 5 days |
| Exam Coverage | Yes | Yes | Add-On |
| Dental Illness Coverage | Yes | Well | Yes |
| Max Enrollment Age Limit | None | 24 years 11 months | None |
There are quite a few good pet insurance providers to choose from. We’ve narrowed down the top companies in various categories with our picks for the best pet insurance providers.
Final Verdict
You can get pretty thorough pet insurance coverage with TrustedPals thanks to its accident and illness plan and wellness add-on. Prices are not bad compared to other companies, and there’s a nice selection of discounts you may qualify for. TrustedPals’ policy around pre-existing conditions could be particularly attractive for those with pets that currently have some ailments.
Our Methodology: How We Review Pet Insurance Carriers
Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of pet insurance companies. We rated 25 providers and collected over 2,000 data points, including information about plan options, company features, and fees and limits, to ensure that our reviews help users make informed decisions for their pet insurance needs.
Our full pet insurance methodology, including our data collection process and weighted data points, is available for review.