MMC Benefits Handbook
When Coverage Starts
TrustedPals has a 14-day waiting period from the date your application is approved. Once approved and your policy is in place, payroll deductions or direct bill is scheduled. Direct bill includes a credit card or automatic checking account withdrawal payment option.
If you opt for payroll deductions, coverage starts after your application has been approved by TrustedPals for pet insurance. If your pet is approved for coverage between the 1st and 15th of the month then the coverage effective date is the 1st of the next month. If your pet is approved for coverage between the 16th and the 31st of the month then the coverage effective date is the 1st of the second month following approval.
For example, if your pet is approved for coverage on February 3rd, the coverage effective date would be March 1st. If your pet is approved for coverage on February 18th, the coverage effective date would be April 1st.
A policy term is defined as one year of coverage (that is, 12 months from the date coverage becomes effective).
Do I have to re-enroll each year?
There is an annual renewal that takes place on your policy anniversary date each year. TrustedPals will send an email in advance reminding you that the policy renewal date is coming up. You can also find your renewal date in your profile in the TrustedPals' Pawtal or call +1 800 225 2265.
On your renewal date, your plan limit and annual deductible will reset. In addition, the cost of your pet insurance can change. The cost of the pet insurance depends on where you live, what breed of dog or cat you have, the age of your pets, etc.