TrustedPals is one of the newest pet insurance providers in America. They are a wholly-owned subsidiary of Marsh & McLennan, which is the largest insurance broker in the U.S. The company offers several different coverage options including standard accident and illness coverage plus options wellness and routine care coverage.

TrustedPals Pet Insurance

How Much Does it Cost?

We ran a sample quote for a three year old Labrador retriever in zip code 43221 and this is the quote we selected:

Accident & Illness Coverage

Deductible: $250
Reimbursement: 90%
Annual Limit: $15,000
Total Cost: $53/month

Wellness & Preventive Care

Using the same policy parameters ($250, 90% and $15,000) the cost for wellness coverage is $24/month.

What Does TrustedPals Cover?

Like a traditional pet insurance provider, TrustedPals covers any unexpected veterinary expenses related to accidents and illnesses. Here is a more comprehensive list of procedures covered.

Accident & Illness Coverage

✓ Accidents	✓ Illnesses
✓ X-Rays, Blood Tests, etc.	✓ Surgery
✓ Hereditary Conditions	✓ Hospitalization
✓ Congenital Conditions	✓ Prescription Medications
✓ Chronic Conditions	✓ Emergency Care
✓ Cancer	✓ Specialty Care
✓ Diagnostic Treatment	✓ Alternative Treatment
x Pre-Existing Conditions	x Preventative Care

Wellness & Preventive Care

✓ Annual Exams	✓ Blood Tests
✓ Vaccinations	✓ Microchip
✓ Health Certificate	✓ Behavioral Exam
✓ Heartworm Tests	✓ Urine Tests
✓ Deworming	✓ Fecal Test
✓ Pre-Existing Conditions	✓ Preventative Care

Coverage Exclusions

Pre-existing conditions
Spaying or neutering
Training and behavioral therapy
Routine care
Hip dysplasia and cruciate ligament problems – If your pet shows signs of hip dysplasia or cruciate ligament damage within the first 12 months of cover (our ‘waiting period’), we won’t cover the cost of treating these conditions – even if it’s the first time you’ve had the problem.
- Hip dysplasia is a condition where the hip joint doesn’t form properly. It can be very painful, and in extreme cases, cause arthritis. Physical therapy and prescribed medications are often used to help treat the problem. It’s more common in larger dog breeds, but even the best pet insurance for dogs won’t cover it without a waiting period.
- Cruciate ligaments are in your pet’s knees. They’re attached to the bones in their legs, and if they get damaged it can become difficult and painful to walk. Surgery’s normally required to treat this condition.

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