Veterans life insurance

TrustedPals Pet Insurance Review 2022

Treatment covered Accident and illness Wellness Supplement
Virtual veterinary visit
Exam fees
Hereditary conditions
Chronic conditions
Prescription medications/foods/supplements
Rehabilitation/alternative care
Death benefits
Non-routine dental care
Prescribed training/therapy
Tooth brushing
Sterilization/sterilization
Prevention of fleas and ticks
Vaccination

Riders/Add-Ons Available

If you want more coverage than the accident and sickness insurance plan provides, you can take advantage of a wellness supplement to get coverage for routine care and preventative care for problems. indicated above. You will receive coverage of $750 per year for treatments prescribed by a licensed veterinarian once your plan’s deductible is reached.

Waiting periods

Most pet insurance companies have post-enrollment waiting periods 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 prorated unearned premium.


Plan exclusions

With TrustedPals’ Wellness Add-on, you can get coverage for things like neutering and neutering, which aren’t covered under the basic plan. The following items are not covered by any plan or add-on:

  • Pre-existing conditions
  • Boarding, grooming, transportation
  • microchip
  • 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 completely cured for six months, you may be eligible for coverage if your pet suffers from the condition again.


Package pricing

The cost of your TrustedPals plan will depend on a few different factors, such as your pet’s age and breed, where you live, and whether your pet is male or female. You can expect the price of your package to increase throughout the life of the animal, as it generally costs more to care for older animals.

Fortunately, some discounts are available through TrustedPals:

  • 5% discount for multiple animal insurance
  • 5% off for military or veterans, those working in a veterinary clinic, veterinary students, first responders and service animal owners

Discounts are not allowed in New York and Tennessee.

You have some flexibility regarding your level of reimbursement, your annual deductible and your annual benefit ceiling; all of these factors will impact your premium costs.

  • Reimbursement level: 100%, 90%, 80%, 70%
  • Annual deductible options: $0, $100, $250, $500, $750
  • Annual benefit ceiling: $4,000, $8,000, $15,000, unlimited

There is no lifetime benefit limit.

TrustedPals says you can receive an online quote in two minutes, and plans start at $0.67 per day.


Complaints

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 a claim after the waiting periods have expired.

TrustedPals aims to complete the claims process within ten business days. If they need more information to complete your claim, they will usually contact your veterinarian directly and let you know if the claim is taking longer than expected.

You must submit your claim within 60 days of processing or invoice date.


Customer service

You can contact the TrustedPal customer service team by email or phone. Phone support is available Monday through Friday, 7 a.m. to 6 p.m. CST.

Third-party reviews

TrustedPals pet insurance is underwritten by Zurich American Insurance Company, which has received one of the highest possible AM ​​Best scores (A+ out of A++). This high score indicates that the company is financially stable and therefore likely to pay its insurance claims.

Zurich American Insurance Company has not received any customer complaints from the Consumer Financial Protection Bureau, another good sign. When Investopedia spoke with TrustedPals customers, one customer said they chose to renew their policy because “They are extremely reliable and our interactions are professional. Coverage and reimbursement are excellent.


Alternative choices

Before purchasing a pet insurance policy, it is important to do your due diligence and research 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 are covered and which are not covered?
  • How they manage pre-existing conditions
  • Coverage limits
  • monthly premium
  • Wellness cover (can be an endorsement)
  • Reimbursement percentages and limits
  • Breed or age limits


Competition

TrustedPals Companion Protect Careful
Annual deductible options $0, $100, $250, $500, $750 $100 $100, $250, $500, $1,000
Refund percentage 70%, 80%, 90%, 100% 90% 70%, 80%, 90%
Average complaints processing time 10 days 4 to 6 days 3 to 30 days
Waiting period in case of illness 14 days None 14 days
Injury Waiting Period 14 days None 5 days
Coverage of exams Yes Yes To add
Coverage of dental diseases Yes Nope Yes
Maximum age limit for registration None 24 years 11 months None

There are several good pet insurance policies to choose from. We’ve picked out the best companies in different categories with our picks for the best pet insurance providers.

final verdict

You can get pretty comprehensive pet insurance coverage with TrustedPals through its accident and sickness plan and wellness add-on. The prices aren’t bad compared to other companies, and there’s a nice selection of discounts you might qualify for. TrustedPals’ policy regarding pre-existing conditions could be particularly appealing to those who have pets that currently suffer from certain conditions.


Our Methodology: How We Review Pet Insurance Companies

Investopedia is committed to providing consumers with comprehensive and unbiased reviews of pet insurance companies. We evaluated 25 providers and collected over 2,000 data points, including information on plan options, company features, fees and limits, to ensure our reviews help users make informed decisions. informed decisions for their pet insurance needs.

Our complete pet insurance methodology, including our data collection process and weighted data points, is available for review.