Companion protect

Companion protect Pet Insurance 2025: In-Depth US Review, Pros, Cons & Coverage

Our expert's opinion on Companion protect

Last update: June 19, 2025
Companion protect
Companion protect
4.5
hellosafe-logoScore
Jordan Mitchell
Jordan Mitchell
Personal finance editor

Companion Protect is a Kansas-based pet insurance provider underwritten by Liberty Insurance Underwriters, Inc., offering a single, simplified accident and illness plan for dogs and cats.
This policy features a high 90% reimbursement rate and a low $100 deductible per condition, with a lifetime payout limit of $100,000 and no annual benefit cap clearly stated.
Its straightforward plan structure, rapid reimbursement (avg. 14–30 business days), and comprehensive illness and injury coverage put it in line with mid-to-upper tier market competitors, but with a cost-effective pricing strategy and limited configuration options.
The plan best fits owners of young or middle-aged pets—especially those seeking high reimbursement rates, transparent exclusions, and predictability over customization.
Liberty ranks among the largest US insurers by premium volume, and Companion Protect's reliability is reinforced by robust claims handling and electronic communications, although no Trustpilot score or customer rating is independently available and claims are not fully paperless.
Owners benefit from direct payment options for in-network vets and flexible claims submission, with most claims adjudicated within one month—which is on par with most established US providers.

  • High 90% reimbursement rate
  • Low $100 per-condition deductible
  • Covers illness, injury, hip dysplasia, cancer, holistic care
  • Lifetime benefit up to $100,000
  • No waiting periods for claims
  • Direct vet pay for in-network clinics
  • Claims processed within 14–30 business days
  • Only one noncustomizable plan
  • No wellness/routine care coverage
  • Strict pre-authorization for large expenses
  • No transparent customer ratings or Trustpilot reviews
  • Not a fully digital claims process
  • High 90% reimbursement rate
  • Low $100 per-condition deductible
  • Covers illness, injury, hip dysplasia, cancer, holistic care
  • Lifetime benefit up to $100,000
  • No waiting periods for claims
  • Direct vet pay for in-network clinics
  • Claims processed within 14–30 business days

Our expert's opinion on Companion protect

Last update: June 19, 2025
Jordan Mitchell
Jordan Mitchell
Personal finance editor
Companion protect
Companion protect
4.5
hellosafe-logoScore

Companion Protect is a Kansas-based pet insurance provider underwritten by Liberty Insurance Underwriters, Inc., offering a single, simplified accident and illness plan for dogs and cats.
This policy features a high 90% reimbursement rate and a low $100 deductible per condition, with a lifetime payout limit of $100,000 and no annual benefit cap clearly stated.
Its straightforward plan structure, rapid reimbursement (avg. 14–30 business days), and comprehensive illness and injury coverage put it in line with mid-to-upper tier market competitors, but with a cost-effective pricing strategy and limited configuration options.
The plan best fits owners of young or middle-aged pets—especially those seeking high reimbursement rates, transparent exclusions, and predictability over customization.
Liberty ranks among the largest US insurers by premium volume, and Companion Protect's reliability is reinforced by robust claims handling and electronic communications, although no Trustpilot score or customer rating is independently available and claims are not fully paperless.
Owners benefit from direct payment options for in-network vets and flexible claims submission, with most claims adjudicated within one month—which is on par with most established US providers.

  • High 90% reimbursement rate
  • Low $100 per-condition deductible
  • Covers illness, injury, hip dysplasia, cancer, holistic care
  • Lifetime benefit up to $100,000
  • No waiting periods for claims
  • Direct vet pay for in-network clinics
  • Claims processed within 14–30 business days
  • Only one noncustomizable plan
  • No wellness/routine care coverage
  • Strict pre-authorization for large expenses
  • No transparent customer ratings or Trustpilot reviews
  • Not a fully digital claims process
  • High 90% reimbursement rate
  • Low $100 per-condition deductible
  • Covers illness, injury, hip dysplasia, cancer, holistic care
  • Lifetime benefit up to $100,000
  • No waiting periods for claims
  • Direct vet pay for in-network clinics
  • Claims processed within 14–30 business days
Table of Contents
  • Guarantees of Companion protect
  • Companion protect Exclusions
  • Companion protect prices
  • Companion protect Assistance
  • Customer reviews on Companion protect
  • Contact Companion protect
  • FAQ
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At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, over one million users in the US trust us each month to guide them in their most important financial decisions.

Guarantees of Companion protect

Companion protect offers a single, straightforward accident and illness plan with a high lifetime benefit ($100,000), a 90% reimbursement rate, and a low $100 deductible per claim, appealing to owners seeking simplicity and value.

Key advantages include coverage for chronic conditions, cancer, hip dysplasia, alternative therapies, and even dental procedures, alongside zero-day waiting periods for both accidents and illnesses, which is rare in the market.

However, the absence of wellness care (vaccines, routine exams, spaying/neutering), preventive services, and any plan customization narrows its appeal for owners who want broader routine care or flexibility.

Other limitations include coverage only within the U.S., no mobile claims app, and the exclusion of any pre-existing conditions or elective procedures.

Overall, Companion protect is best suited to pet owners looking for comprehensive illness and accident protection with minimal administrative hassle, but it lacks extras offered by more flexible competitors.

Name of coverageCompanion protect Plan
Plan positioningSingle accident & illness plan with high lifetime max
Type of coverage (accident, illness, both, etc.)Both accidents and illnesses
Animals covered (dogs, cats, other)Dogs and cats
Reimbursement rate (%)90%
Annual reimbursement limitN.C. (Lifetime: $100,000)
Deductible (annual or per claim)$100 per claim
Age limits for enrollment (for dogs and cats)2 months to 24 years, 11 months
Pre-enrollment health questionnaireN.C.
Waiting period (illness)0 days
Waiting period (accident)0 days
Lifetime coverage once subscribedUntil lifetime max reached
Vet consultations (regular + emergency)
Medications✅ Prescription drugs
Hospitalization
Surgery (including anesthesia)
Diagnostic tests (X-ray, MRI, ultrasound, lab tests)
Dental care (includes scaling and procedures)✅ Dental care for illnesses and injuries
Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping)❌ Not covered
Alternative medicine (osteopathy, acupuncture, etc.)
Travel coverage (countries included, duration)❌ Only within the U.S.
Civil liability❌ Not covered
Euthanasia✅ If medically necessary
Death & cremation coverage✅ Cremation up to $250 if related to covered condition
Theft or loss of pet + search expenses❌ Not covered
Boarding fees (if owner is hospitalized)❌ Not covered
Plan positioning
Companion protect Plan
Single accident & illness plan with high lifetime max
Type of coverage (accident, illness, both, etc.)
Companion protect Plan
Both accidents and illnesses
Animals covered (dogs, cats, other)
Companion protect Plan
Dogs and cats
Reimbursement rate (%)
Companion protect Plan
90%
Annual reimbursement limit
Companion protect Plan
N.C. (Lifetime: $100,000)
Deductible (annual or per claim)
Companion protect Plan
$100 per claim
Age limits for enrollment (for dogs and cats)
Companion protect Plan
2 months to 24 years, 11 months
Pre-enrollment health questionnaire
Companion protect Plan
N.C.
Waiting period (illness)
Companion protect Plan
0 days
Waiting period (accident)
Companion protect Plan
0 days
Lifetime coverage once subscribed
Companion protect Plan
Until lifetime max reached
Vet consultations (regular + emergency)
Companion protect Plan
Medications
Companion protect Plan
✅ Prescription drugs
Hospitalization
Companion protect Plan
Surgery (including anesthesia)
Companion protect Plan
Diagnostic tests (X-ray, MRI, ultrasound, lab tests)
Companion protect Plan
Dental care (includes scaling and procedures)
Companion protect Plan
✅ Dental care for illnesses and injuries
Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping)
Companion protect Plan
❌ Not covered
Alternative medicine (osteopathy, acupuncture, etc.)
Companion protect Plan
Travel coverage (countries included, duration)
Companion protect Plan
❌ Only within the U.S.
Civil liability
Companion protect Plan
❌ Not covered
Euthanasia
Companion protect Plan
✅ If medically necessary
Death & cremation coverage
Companion protect Plan
✅ Cremation up to $250 if related to covered condition
Theft or loss of pet + search expenses
Companion protect Plan
❌ Not covered
Boarding fees (if owner is hospitalized)
Companion protect Plan
❌ Not covered
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Claim Submission and Coverage Details

All claims must be submitted within 180 days of treatment and are usually reimbursed within 14–30 business days by direct deposit. No wellness or routine care options are available, and coverage is currently limited to existing users only (no new sign-ups as of May 2025).

Compare plans before enrolling to ensure you get the right coverage for your pet and budget.

👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!

Companion protect Exclusions

The exclusions in Companion protect’s policy are fairly typical for the market, with a strict stance on pre-existing conditions, any symptoms linked to pre-existing issues, and complications arising from them.

Also excluded are wellness and preventive care (vaccines, parasite control), elective or convenience procedures, and any care performed by non-veterinarians or resulting from negligent owner actions.

A notable exclusion compared to some competitors is the lack of coverage outside the United States, which may limit global mobility for frequent travelers.
Other exclusions include non-prescribed nutrition, behavioral services, grooming, elective euthanasia, routine dental, boarding due to owner illness, and experimental therapies.

ExclusionsDetails
Medical exclusions
  • Pre-existing conditions and related symptoms
  • Routine wellness and preventive care
  • Dental not related to accident
  • Elective euthanasia (unless medically necessary)
Procedural/Provider exclusions
  • Services by non-veterinarians
  • Non-prescribed food, supplements, or medication
  • Behavioral training, daycare
  • Grooming, bathing, nail clipping
Geographic exclusions
  • Any care received outside the U.S.
  • Costs from travel/transportation or house calls
Administrative exclusions
  • Administrative/miscellaneous fees
  • Claims over lifetime maximum
  • Unsubmitted claims after allowed period
Reason/intent exclusions
  • Injuries from abuse, neglect, or illegal activities
  • Procedures for cosmetic, convenience, or non-medical reasons
  • Cloning/cloned pets
Boarding & stay exclusions
  • Boarding due to human illness unless medically necessary
  • Non-medical or “convenience” boarding, pet sitting
Table of Exclusions and Details
Medical exclusions
Details
  • Pre-existing conditions and related symptoms
  • Routine wellness and preventive care
  • Dental not related to accident
  • Elective euthanasia (unless medically necessary)
Procedural/Provider exclusions
Details
  • Services by non-veterinarians
  • Non-prescribed food, supplements, or medication
  • Behavioral training, daycare
  • Grooming, bathing, nail clipping
Geographic exclusions
Details
  • Any care received outside the U.S.
  • Costs from travel/transportation or house calls
Administrative exclusions
Details
  • Administrative/miscellaneous fees
  • Claims over lifetime maximum
  • Unsubmitted claims after allowed period
Reason/intent exclusions
Details
  • Injuries from abuse, neglect, or illegal activities
  • Procedures for cosmetic, convenience, or non-medical reasons
  • Cloning/cloned pets
Boarding & stay exclusions
Details
  • Boarding due to human illness unless medically necessary
  • Non-medical or “convenience” boarding, pet sitting
Table of Exclusions and Details

Companion protect prices

Companion protect positions itself in the market as mid-range, offering a robust combination of generous coverage and cost control.

With a low deductible of $100, a 90% reimbursement rate, and coverage that includes high-cost conditions like hip dysplasia and cancer, the plan is more comprehensive than average but remains competitive in price for its segment.

The absence of wellness benefits or extensive customization can limit value for those seeking routine care coverage, but the single, straightforward plan and online management help keep administration costs lower than traditional insurers.
It suits pet owners prioritizing broad medical risk coverage and simple claims, without a premium price point or the lowest cost option.

Young cat (2–4 years)Senior cat (7–8 years)Small breed dogSmall breed dog (2–4 years)Large breed dog (2–4 years)Senior dog (7–8 years)
Companion protect$28/month$38/month$33/month$31/month$49/month$62/month
Companion Protect monthly costs for different pets and ages.
Companion protect
Young cat (2–4 years)
$28/month
Senior cat (7–8 years)
$38/month
Small breed dog
$33/month
Small breed dog (2–4 years)
$31/month
Large breed dog (2–4 years)
$49/month
Senior dog (7–8 years)
$62/month
Companion Protect monthly costs for different pets and ages.

Compare plans below to find the best price for your pet.

👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!

Companion protect Promo Codes

Companion protect Promo CodesDetails
HelloSafe Promo Code-5% on your quote
Companion protect Promo Codes
HelloSafe Promo Code
Details
-5% on your quote
Companion protect Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

Reimbursement with Companion protect

With Companion protect, you pay a $100 deductible per new diagnosis each year, then the plan covers 90% of covered medical expenses up to a $100,000 lifetime benefit.

✅ Example 1: Treatment for torn cranial cruciate ligament
Total vet costs: $2,500 (including consultation, surgery, anesthesia, and post-op medication)
Deductible amount to subtract: $100 (first expense for this condition)
Amount reimbursable after deductible: $2,500 – $100 = $2,400 90% of that reimbursed: $2,400 × 90% = $2,160
👉 You receive a reimbursement of $2,160.
ℹ️ The $100 deductible applies to each new injury or illness per year. You pay only 10% of the costs after that.

✅ Example 2: Outpatient ear infection visit Total vet costs: $180 (exam, diagnostic test, prescription medication)
Deductible amount to subtract: $100 (first ear infection this year)
Amount reimbursable after deductible: $180 – $100 = $80 90% of that reimbursed: $80 × 90% = $72
👉 You receive a reimbursement of $72.
ℹ️ For any new diagnosis, the deductible is subtracted before the 90% reimbursement is applied.

✅ Example 3: Annual wellness bloodwork (not covered)
Total vet costs: $120 (routine preventive care)
Deductible amount to subtract: $0 (preventive care is not covered)
Amount reimbursed: $0
👉 You receive a reimbursement of $0.
ℹ️ Preventive care (like vaccines, annual exams, routine tests) is not included in Companion protect’s plan.

Companion protect Assistance

Companion protect does not offer advance payment at the vet, meaning policyholders generally pay upfront and await reimbursement. There are no official monthly payment plan facilities reported by the provider, which limits flexibility for some owners. The absence of a dedicated mobile app is a drawback compared to peers—claims must be submitted online or via email, not on iOS/Android. Reimbursement is paperless through the customer portal, but there is no 24/7 tele-vet line or emergency service indicated. Companion protect lacks an official veterinary partner network, and coverage is restricted to veterinary services within the United States.

Assistance Companion protectAvailable?Details
Advance paymentNo advance payment solution at clinic. Owners must pay full vet bill first, then submit a claim.
Payment facilitiesNo information on monthly or deferred payment options for insurance premiums. N.C.
Mobile appNo mobile app available for iOS or Android. All management is via web portal or email.
Paperless claims processDigital claim submission via online portal. Claims can also be sent by email, fax, or mail.
Emergency vet serviceNo 24/7 emergency hotline or teleconsultation service is provided.
Vet/clinic partner networkN.C. No formal network of partner vets or hospitals.
Coverage abroadCovered services apply only within the United States. No international insurance extension.
Assistance Companion protect availability and details
Advance payment
Available?
Details
No advance payment solution at clinic. Owners must pay full vet bill first, then submit a claim.
Payment facilities
Available?
Details
No information on monthly or deferred payment options for insurance premiums. N.C.
Mobile app
Available?
Details
No mobile app available for iOS or Android. All management is via web portal or email.
Paperless claims process
Available?
Details
Digital claim submission via online portal. Claims can also be sent by email, fax, or mail.
Emergency vet service
Available?
Details
No 24/7 emergency hotline or teleconsultation service is provided.
Vet/clinic partner network
Available?
Details
N.C. No formal network of partner vets or hospitals.
Coverage abroad
Available?
Details
Covered services apply only within the United States. No international insurance extension.
Assistance Companion protect availability and details

Customer reviews on Companion protect

On the positive side, customers who subscribed to Companion protect for their pets often mention:

  • A straightforward and simple reimbursement process is appreciated.
  • A competitive premium for broad accident and illness coverage provides value for the price.
  • A fast waiting period or lack of waiting period for claims is seen as a benefit.
  • A high reimbursement rate is valued by many policyholders.
  • A US-based support team is generally considered accessible during business hours.

On the negative side:

  • A lack of wellness coverage such as vaccinations or routine preventive care is a drawback for some.
  • A restriction of coverage only within the United States is seen as a limitation for frequent travelers.
  • A lack of a mobile app for claims management frustrates tech-savvy users.
  • A limited or unclear list of partner veterinary clinics causes uncertainty about where direct pay is accepted.
  • A number of users would prefer shorter claim processing times or more regular status updates.

Contact Companion protect

Companion protect Customer ServiceDetails
To get a quote or subscribe onlineYou can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote.
To request and track a reimbursementSubmit your claim through the online customer portal, by email ([email protected]), or mail (175 Berkeley Street, Boston MA 02116, USA). Attach invoices and claim form. Payment by direct deposit. Processing takes 14–30 business days.
To obtain a certificate of insuranceRequest by phone at 1-800-304-9930 or by email ([email protected]). Provide your policy details when making the request.
To contact assistanceCall customer support at 1-800-304-9930 (Mon–Fri 8am–8pm CT, Sat 9am–6pm CT), or email [email protected] for help with your policy or claim.
To cancel my policyNotify Companion protect by phone (1-800-304-9930) or email ([email protected]). Written notice is required. Provide your policy number and preferred cancellation date.
Companion protect Customer Service Details
To get a quote or subscribe online
Details
You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote.
To request and track a reimbursement
Details
Submit your claim through the online customer portal, by email ([email protected]), or mail (175 Berkeley Street, Boston MA 02116, USA). Attach invoices and claim form. Payment by direct deposit. Processing takes 14–30 business days.
To obtain a certificate of insurance
Details
Request by phone at 1-800-304-9930 or by email ([email protected]). Provide your policy details when making the request.
To contact assistance
Details
Call customer support at 1-800-304-9930 (Mon–Fri 8am–8pm CT, Sat 9am–6pm CT), or email [email protected] for help with your policy or claim.
To cancel my policy
Details
Notify Companion protect by phone (1-800-304-9930) or email ([email protected]). Written notice is required. Provide your policy number and preferred cancellation date.
Companion protect Customer Service Details

FAQ

Do I have to pay upfront for veterinary fees with Companion protect?

Companion protect typically requires you to pay the veterinarian upfront. You then submit a claim for reimbursement through their online portal, by email, or by mail. Payment is returned directly to you via direct deposit within 14 to 30 business days after claim approval.

How do I cancel my pet insurance policy with Companion protect?

To cancel your policy, contact Companion protect customer support by phone or email. Written notice is required, along with your policy number and the requested end date. There is no mandatory notice period, so cancellation is effective as soon as your request is processed.

What is excluded from coverage under Companion protect?

Companion protect excludes pre-existing conditions, wellness care (such as routine vaccinations and parasite treatments), elective procedures, and services provided outside the United States. Be sure to review the list of exclusions in your policy documents before enrolling.

How are claims processed and how long does reimbursement take?

You must submit your claim, including invoices and the claim form, within 180 days after your pet’s treatment. Claims are processed in 14 to 30 business days. Reimbursement is made by direct deposit to your bank account.

Are there age limits for enrolling or keeping coverage?

To enroll in Companion protect, your pet must be at least 2 months old and less than 25 years old at the time of application. Once insured, coverage continues for life as long as you pay your premiums and do not reach the lifetime benefit maximum.

Do I have to pay upfront for veterinary fees with Companion protect?

Companion protect typically requires you to pay the veterinarian upfront. You then submit a claim for reimbursement through their online portal, by email, or by mail. Payment is returned directly to you via direct deposit within 14 to 30 business days after claim approval.

How do I cancel my pet insurance policy with Companion protect?

To cancel your policy, contact Companion protect customer support by phone or email. Written notice is required, along with your policy number and the requested end date. There is no mandatory notice period, so cancellation is effective as soon as your request is processed.

What is excluded from coverage under Companion protect?

Companion protect excludes pre-existing conditions, wellness care (such as routine vaccinations and parasite treatments), elective procedures, and services provided outside the United States. Be sure to review the list of exclusions in your policy documents before enrolling.

How are claims processed and how long does reimbursement take?

You must submit your claim, including invoices and the claim form, within 180 days after your pet’s treatment. Claims are processed in 14 to 30 business days. Reimbursement is made by direct deposit to your bank account.

Are there age limits for enrolling or keeping coverage?

To enroll in Companion protect, your pet must be at least 2 months old and less than 25 years old at the time of application. Once insured, coverage continues for life as long as you pay your premiums and do not reach the lifetime benefit maximum.

Jordan Mitchell
Jordan Mitchell
Personal finance editor
HelloSafe
Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.

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