TrustedPals Pet Insurance Review 2024

TrustedPals is currently not accepting new applications.

Current TrustedPals customers can still use the company’s accident and illness plan, which is the most common type of pet insurance policy that covers the widest range of health-related problems. It also offers an optional wellness plan. Trusted Pals does not offer an accident-only plan.

Accident and Illness Coverage

Here are the some of the expenses covered by TrustedPal’s accident and illness plan:

• Accidents such as toxic ingestion and broken bones
• Behavioral training or therapy (if prescribed by your vet)
• Diagnostics and testing
• Illnesses such as an ear infection and cancer
• Prescription food and nutritional supplements
• Prescription medications
• Supplies necessary for the medical care of your pet such as bandages
• Surgery

TrustedPals Pet Insurance Add-Ons

TrustedPals offers a wellness plan to help pay for some of the preventive care costs a pet requires. For an additional cost, you can add a wellness plan. This will reimburse you up to $750 per year for routine care expenses such as:

• Annual wellness exams
• Dental preventative cleaning
• Flea, tick and heartworm prevention
• Prescribed nutritional supplements
• Prescription pet food
• Spaying or neutering
• Vaccinations

Like other plans, TrustedPals pet insurance doesn’t cover every expense. Some expenses excluded are:

• Pre-existing conditions
• Boarding, grooming and transportation costs
• Anything not prescribed by your vet, such as dietary supplements
• Expenses not related directly to the care of your pet, such as costs for copies of medical records, taxes, licenses and waste disposal

Keep in mind, preventative care costs such as vaccinations and annual wellness are covered unless you add the wellness plan.

Pet insurance companies typically have a specific period of time before coverage begins after you buy a policy. This amount of time is referred to as a waiting period. TrustedPals has these waiting periods:

• 14 days for accidents or illness
• 12 months for cruciate ligament issues
• 12 months for hip dysplasia

TrustedPals 14-day accident waiting period is longer than some competitors who have a one-day or two-day accident waiting period, like Lemonade or Figo. Because accidents are unpredictable, a shorter accident waiting period may give you peace of mind knowing your coverage for an accident won’t take long to kick in. The 14-day illness waiting period is average across the industry.

The two extended waiting periods are relatively long compared to other insurers who may only have a six-month waiting period for a cruciate ligament condition or no extended waiting periods at all.

Maximum Annual Limit Options

A coverage cap is the total amount of annual benefits your pet insurance company will pay. TrustedPals has three annual coverage limit amounts to choose from:

• $4,000
• $8,000
• $15,000
• Unlimited

Deductible Options

Before your coverage begins to pay for expenses, you must pay a set amount toward vet costs, known as the deductible. TrustedPals offers these deductible options:

• $0
• $100
• $250
• $500
• $750

Reimbursement Options

Pet insurance companies usually apply a reimbursement level to your policy in addition to coverage limits. A reimbursement level is the percentage of the vet bill your pet insurer will reimburse you for. TrustedPals offers these options:

• 70%
• 80%
• 90%
• 100%

Pet insurance from TrustedPals can range from $25 to $70 for dogs and $10 to $40 for cats, according to TrustedPals’ website. Your cost for a pet insurance policy from TrustedPals depends on factors such as:

• Breed
• Gender of pet
• Age of pet
• Location
• The coverage levels you select

TrustedPals offers ways for pet owners to save on their insurance policies. You can get a 5% “MultiPaw” discount if you insure more than one pet.

You may be able to earn an additional 5% discount if one of the following applies to you:

• Active military members or veterans
• Veterinary clinic workers
• Veterinary students
• First responders
• If you insure a service animal

Discounts are currently not available in New York and Tennessee.

TrustedPals is no longer accepting pet insurance applications. Pet owners who currently insure their pets with TrustedPals can access their accounts through TrustedPals’ portal, by calling (800) 358-3801 or by emailing contact@trustedpals.com.

Company	Company - Logo	Forbes Advisor Rating	Forbes Advisor Rating	Reimbursement Choices	Deductible Choices	Learn More CTA text	Learn more CTA below text	View More
Pets Best		5.0		70%, 80%, 90%	$50, $100, $200, $250, $500, $1,000	Compare Plans
Embrace		4.5		70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans
Paw Protect		4.5		70%, 80%, 90%	$100, $250, $500	Compare Plans
Fetch		4.0		70%, 80%, 90%	$300, $500, $700	Compare Plans
Figo		4.0		70%, 80%, 90%, 100%	$100, $250, $500, $750, $1,000, $1,500	Compare Plans
Healthy Paws		4.0		50%, 60%, 70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans
Lemonade		4.0		70%, 80%, 90%	$100, $250, $500, $750	Compare Plans
Spot		4.0		70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans

Reimbursement and deductible choices may vary by state.

Pet insurance benefits and waiting periods vary by insurer. For example, TrustedPals has a 12-month waiting period for cruciate ligament issues and hip dysplasia, but you won’t find a waiting period for these conditions at Spot or Trupanion. On the other hand, TrustedPals offers an optional wellness plan, which you can’t get through Healthy Paws or Trupanion.

TrustedPals Pet Insurance vs. Healthy Paws Pet Insurance

Rating and coverage details	TrustedPals pet insurance	Healthy Paws pet insurance
Accident coverage waiting period	14 days	15 days
Illness coverage waiting period	14 days	15 days
Special waiting periods	12 months for cruciate ligament issues and hip dysplasia	12 months for hip dysplasia; coverage for hip dysplasia not available for pets age six or older at time of enrollment
Pays for the vet exam fee?	Yes	No
Optional wellness plan available?	Yes	No
24/7 vet helpline available?	No	Yes

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TrustedPals Pet Insurance vs. Pets Best Pet Insurance

Rating and coverage details	TrustedPals pet insurance	Pets Best pet insurance
Accident coverage waiting period	14 days	3 days
Illness coverage waiting period	14 days	14 days
Special waiting periods	12 months for cruciate ligament issues and hip dysplasia	6 months for cruciate ligaments, 14 days for hip dysplasia
Pays for the vet exam fee?	Yes	Only with Plus and Elite plans
Optional wellness plan available?	Yes	Yes
24/7 vet helpline available?	No	Yes

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TrustedPals Pet Insurance vs. Spot Pet Insurance

Rating and coverage details	TrustedPals pet insurance	Spot pet insurance
Accident coverage waiting period	14 days	14 days
Illness coverage waiting period	14 days	14 days
Special waiting periods	12 months for cruciate ligament issues and hip dysplasia	None
Pays for the vet exam fee?	Yes	Yes
Optional wellness plan available?	Yes	Yes
24/7 vet helpline available?	No	Yes

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TrustedPals Pet Insurance vs. Trupanion Pet Insurance

Rating and coverage details	TrustedPals pet insurance	Trupanion pet insurance
Accident coverage waiting period	14 days	5 days
Illness coverage waiting period	14 days	30 days
Special waiting periods	12 months for cruciate ligament issues and hip dysplasia	None
Pays for the vet exam fee?	Yes	No
Optional wellness plan available?	Yes	No
24/7 vet helpline available?	No	No

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You can cancel your TrustedPals pet insurance plan by calling (800) 358-3801.

TrustedPals is backed by Marsh USA, a global insurance broker. Zurich underwrites its pet insurance policies. The company pledges to donate 1% of profits to helping pets find homes after natural disasters strike.