MMC Benefits Handbook
How the Plan Works
Pet insurance, from TrustedPals, is made directly available to all eligible employees. Marsh & McLennan Companies' sole function with respect to its employees' participation in the program is permitting it to be publicized to employees, collecting premiums through payroll deductions and remitting them to the insurer. Generally, care is covered after you meet your deductible and co-pay and submit a claim for reimbursement of medical expenses for your pet. You can visit any licensed veterinarian or specialist nationwide, with no limitations. There are two options under the Plan: Accident & Illness Plan and Accident & Illness Plan plus Wellness.
How does the deductible work?
A deductible is your annual contribution to the cost of the claims paid by TrustedPals. TrustedPals allows you to choose a deductible of $0, $100, $250, $500 or $750. The deductible amount you choose will affect the cost of your premiums.
What's a co-pay?
A co-pay is your contribution to the cost of each claim the TrustedPals policy pays, after meeting the deductible. The TrustedPals program allows you to choose a co-pay of 0%, 10%, 20% or 30%. The percentage you choose will affect the cost of your premiums.
What is a pre-existing condition?
A pre-existing condition is any illness or injury your pet had before coverage started. The TrustedPals program does not cover pre-existing conditions.
What are my payment options?
Premium payments can be made through payroll deductions or direct bill (credit card or automatic checking account withdrawal option).
Once I enroll, how long before my policy is effective?
Once your application is approved, your policy is issued. Policies have a 14-day waiting period from the date your application is approved.
Can I cancel my policy before the term is up?
Yes. You can cancel anytime by calling +1 800 225 2265. You can also cancel by submitting a written request to:
PO Box 14404
Des Moines, IA 50306
The premiums are prorated from the effective date of the cancelation.
Are medical records required for enrollment?
No. Medical records are not required by TrustedPals.
Is there a network of veterinarians that I have to use?
No. TrustedPals' coverage allows you to see any licensed veterinarian or specialist nationwide. You are covered whenever you see any of these licensed care-givers.
Will a pet be dropped from coverage because of age?
No. As long as you keep your policy continually in force (it does not lapse or expire), your pet will not be dropped from coverage.
How does my veterinarian receive payment?
You pay your veterinarian directly and then submit a claim to TrustedPals. TrustedPals will adjudicate your claim and reimburse you according to your plan.
Are prescriptions covered under my policy?
Yes. FDA-approved prescriptions for covered medical conditions are eligible for reimbursement.
Does my pet insurance policy cover diagnostic testing?
Yes. You are reimbursed for diagnostic tests as long as the medical condition is covered by your plan.
Is there a list of veterinarians I have to use?
With TrustedPals, you're free to visit any licensed veterinarian, anywhere—even specialists and emergency providers.
Marsh & McLennan Companies does not administer this plan. TrustedPals' decisions are final and binding.