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Zurich and Marsh collaborate to bring new pet insurance program to pet owners

November 12, 2019

Featuring coverage for vaccinations, annual wellness exams and more, the new pet health insurance program helps pet owners take care of their dogs and cats.

Zurich Insurance is collaborating with Marsh on a new offering that has dog and cat owners chomping at the bit! The TrustedPals pet insurance program announced in October helps pet owners cover veterinary care costs for their four-legged friends.

The insurance covers for accidents (lacerations, broken bones), illnesses (diabetes, cancer) and wellness (vaccinations, dental). Through an exclusive agreement with Marsh, Zurich will underwrite the TrustedPals coverage in all 50 states with 48 states and the District of Columbia already up and running. These coverages can help dogs and cats get back on their paws.


“As a leader in insurance program development in the United States, being part of TrustedPals is the right choice for Zurich,” said Greg Massey, head of Programs for Zurich North America. “Both Zurich and Marsh have a strong commitment to innovation and a proven track record of creating solutions for our customers.”

Pet insurance is a .4 billion market and growing rapidly in the U.S. and Canada. According to the North American Pet Health Insurance Association (NAPHIA) State of the Industry 2019 report, close to 2.4 million pets were insured at year-end 2018 in North America, representing an increase of 17.1% from 2017.


There are three main drivers contributing to the growth in the pet insurance market:

  • An increase in the family-like status of pets in households, especially as older generations become empty nesters and the millennial generation delays having children.
  • An increase in the cost of pet care, which has more than tripled the rate of U.S. inflation since the early 90s.
  • An increase in pet insurance as a work site offering (voluntary benefit) to employees, especially to attract younger talent.

“Our pets are family members and as owners we want the best insurance coverage available to protect their health and wellbeing,” said Kevin Tobin, President and CEO of Marsh’s Insurance Services Group. “With TrustedPals, we are making it easy to purchase comprehensive, affordable pet insurance benefits that put the needs of pets first.”

The TrustedPals program includes the following features:

  • Simple and responsive claims experience: Pet insurance is a reimbursement program where pet owners pay out of pocket and are reimbursed later. TrustedPals has an online portal to upload claims that are automatically sent to a third-party administrator for reimbursement.
  • Great cover, any budget: Pet parents can pick and choose their own limits, deductible, and copayment to get a plan that suit their unique needs.
  • Pick any veterinarian: So long as they’re licensed, it doesn’t matter whom pet parents go to for treatment.

Additional benefits to the program include pet medical records storage and a custom mobile app. More features to the pet health insurance program will be rolled out in the future, including a referral program for fellow dog and cat owners and a real-time lost pet finding service.

Disclaimer: This is intended as a general description of certain types of insurance and services available to qualified customers through the companies of Zurich in North America, provided solely for informational purposes. Nothing herein should be construed as a solicitation, offer, advice, recommendation, or any other service with regard to any type of insurance product underwritten by individual member companies of Zurich in North America, including Zurich American Insurance Company, 1299 Zurich Way, Schaumburg, IL 60196. Your policy is the contract that specifically and fully describes your coverage, terms and conditions. The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy. Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states. Some coverages may be written on a nonadmitted basis through licensed surplus lines brokers.