Companion protect Pet Insurance Review 2025: Is It Worth It?
Our expert's opinion on Companion protect
Companion Protect offers a clear, tiered approach to pet insurance with three primary plans: Accident; Accident and Illness; and Accident, Illness and Wellness, designed to let owners choose coverage depth based on needs and budget.
The available plans cover emergency care, consultations, surgery, imaging and lab tests for injuries and illnesses, include lifetime cover for ongoing conditions, and add a wellness option on the top tier; reimbursement rates, annual limits, deductibles, and specific wellness budgets are applied per plan and vary by selected options and policy terms, and prior approval is required for many major treatments. Compared with main competitors, Companion Protect emphasizes straightforward accident-first coverage with tiered illness and wellness add-ons, competitive entry-level accident premiums, and administrative controls like prior approval to manage costs.
Best suited for owners seeking affordable accident protection with optional illness and wellness upgrades — particularly budget-conscious households and those wanting lifetime coverage for chronic issues.
Underwritten by Liberty Insurance Underwriters, Inc. and administered by Companion Protect, the program provides a dedicated claims line and an online portal for claims and prior approvals, with defined prior-approval thresholds for major procedures and hospitalization; published company-level revenue or premium volume figures are not included in the plan materials.
- ✅Three-tier plan structure for flexible coverage choices
- ✅Low-cost accident-only premiums
- ✅Lifetime cover for chronic conditions
- ✅Alternative medicine covered for injuries
- ✅Cremation benefit up to $250
- ✅Prior approval process for major treatments
- ✅Web portal and dedicated claims line
- ❌Preventive care excluded (vaccinations, parasite treatments)
- ❌No routine dental coverage except for accidents
- ❌No coverage for care occurring outside the United States
- ❌Prior approval required for many expensive procedures
- ❌Limited non-medical and administrative expense coverage
Score- ✅Three-tier plan structure for flexible coverage choices
- ✅Low-cost accident-only premiums
- ✅Lifetime cover for chronic conditions
- ✅Alternative medicine covered for injuries
- ✅Cremation benefit up to $250
- ✅Prior approval process for major treatments
- ✅Web portal and dedicated claims line
Our expert's opinion on Companion protect
- ✅Three-tier plan structure for flexible coverage choices
- ✅Low-cost accident-only premiums
- ✅Lifetime cover for chronic conditions
- ✅Alternative medicine covered for injuries
- ✅Cremation benefit up to $250
- ✅Prior approval process for major treatments
- ✅Web portal and dedicated claims line
- ❌Preventive care excluded (vaccinations, parasite treatments)
- ❌No routine dental coverage except for accidents
- ❌No coverage for care occurring outside the United States
- ❌Prior approval required for many expensive procedures
- ❌Limited non-medical and administrative expense coverage
Score- ✅Three-tier plan structure for flexible coverage choices
- ✅Low-cost accident-only premiums
- ✅Lifetime cover for chronic conditions
- ✅Alternative medicine covered for injuries
- ✅Cremation benefit up to $250
- ✅Prior approval process for major treatments
- ✅Web portal and dedicated claims line
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Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
Companion protect Guarantees
Companion protect offers three plan tiers: Accident; Accident and Illness; and Accident, Illness and Wellness. The product line is structured to cover sudden injury events at the entry level (Accident), broaden clinical protection for medical conditions with the Accident and Illness plan, and bundle preventive/wellness elements with the top tier. Core clinical benefits (emergency care for injury, consultations, surgery, imaging, lab diagnostics and specialist consultations) are present across the range, while lifetime coverage is expressly supported. Prior approval controls apply for high‑cost care: certain procedures, hospital stays and other services over a specified threshold require pre‑authorization.
Key financial mechanics such as reimbursement percentage, deductible type and annual monetary limits are not published in the plan summaries; those items are set on the policy contract/Declarations Page. Waiting periods are applied and some knee‑related conditions have extended waiting rules; telematics or travel care abroad is not included. The top tier nominally includes wellness in its name, but routine preventive elements and dental prophylaxis are excluded by default in the base design. Cremation and euthanasia benefits are available with monetary caps specified.
Strengths of the offering include lifetime coverage, surgical and diagnostic coverage including specialist consultations, and a web portal with prior‑approval support and claims handling. Limitations to consider are the absence of cover for many routine and preventive services unless otherwise specified, geographic restrictions excluding events outside the United States, and administrative exclusions (boarding, travel fees, non‑medical costs). Prior approval requirements for services over the plan threshold are an important operational constraint for policyholders facing large procedures.
| Accident Plan | Accident and Illness Plan | Accident, Illness and Wellness Plan | |
|---|---|---|---|
| Plan positioning | Entry‑level (injury focus) | Balanced (injury + illness) | Enhanced / premium (illness + wellness bundle) |
| Type of coverage | Accident | Accident & Illness | Accident, Illness & Wellness |
| Animals covered | Dogs, Cats | Dogs, Cats | Dogs, Cats |
| Reimbursement rate | N.C. | N.C. | N.C. |
| Annual reimbursement limit | N.C. | N.C. | N.C. |
| Deductible (annual or per claim) | N.C. | N.C. | N.C. |
| Age limits for enrollment | N.C. | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. |
| Waiting periods (accident) | N.C. | N.C. | N.C. |
| Waiting periods (illness) | N/A | N.C. | N.C. |
| Lifetime coverage | Yes | Yes | Yes |
| Consultations | Yes (for Injury) | Yes | Yes |
| Medications | N.C. | N.C. | N.C. |
| Hospitalization | N.C. | N.C. (prior approval required in many cases) | N.C. (prior approval required in many cases) |
| Surgery | Yes (for Injury) | Yes | Yes |
| Diagnostic tests (imaging, labs, radiotherapy) | Imaging & lab tests: Yes (for Injury) | Imaging & lab tests: Yes | Imaging & lab tests: Yes |
| Dental care | No (routine/prophylaxis not covered) | No (routine/prophylaxis not covered) | No (routine/prophylaxis not covered) |
| Preventive care | No | No | No |
| Alternative medicine | Yes (for Injury in some circumstances) | Yes | Yes |
| Travel coverage / care abroad | No | No | No |
| Civil liability | N.C. | N.C. | N.C. |
| Euthanasia | Yes (covered for Injury) | Yes | Yes |
| Death & cremation coverage | Cremation: Yes (up to $250); Death: Yes (euthanasia covered in scope) | Cremation: Yes (up to $250); Death: Yes | Cremation: Yes (up to $250); Death: Yes |
| Theft or loss + search expenses | N.C. | N.C. | N.C. |
| Boarding fees | No | No | No |
Companion protect excludes pre‑existing conditions — any injury, illness or condition identified or suspected prior to the policy start date — and excludes conditions resulting from owner neglect or failure to follow veterinary advice. Routine and preventive services (vaccinations, parasite control, routine dental prophylaxis), elective cosmetic procedures (declawing, debarking, elective spay/neuter), and breeding/pregnancy costs are not covered. The policy also excludes many non‑medical and administrative expenses (grooming, travel fees, house calls, administrative charges, medical waste disposal), as well as certain specialist exclusions such as necropsies, cloning, and trip cancellation costs. Geographic scope is restricted to events occurring within the United States.
Key operational limits include prior‑approval requirements for large or non‑routine services (for example, services over the plan threshold, surgeries, hospitalizations and certain specialist fees), fixed cremation caps (up to $250), and the absence of routine preventive cover in the base plans. The plan structure delivers robust accident and clinical illness protection with lifetime cover, but prospective policyholders should review the policy Declarations and prior‑approval rules carefully to understand deductible structure, reimbursement percentages and annual monetary limits before purchase.
Companion protect exclusions
Companion protect's exclusions emphasize standard clinical boundaries: pre‑existing conditions and any sign or suspicion present before policy inception are excluded, with spondylosis and breeding/pregnancy/whelping conditions expressly barred.
Preventive and elective services—routine vaccinations, parasite control, non‑accident dental care, and cosmetic procedures such as declawing, dew claw removal (unless medically necessary), and debarking—are not covered.
Coverage for professional activities and organized sports is strict: injuries from racing, guarding/working, hunting, sled/track events or dog fighting are excluded, a restriction that can be tighter than some competitors that offer limited working‑dog provisions.
Non‑medical and administrative costs (grooming, boarding, travel fees, administrative charges), necropsies, cloning procedures, trip cancellation, and any illness or injury occurring outside the United States are also excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions; any Injury or Illness identified or suspected before policy effective date; spondylosis; dental treatment not resulting from a covered Accident. |
| Reproductive & congenital exclusions | Breeding, pregnancy, whelping, nursing and any associated conditions or treatments. |
| Preventive & elective exclusions | Routine vaccinations; flea/tick/heartworm prevention and parasite control (treatment excluded unless no prevention exists for specific parasite); elective/cosmetic procedures (declawing, dew claw removal unless necessary, debarking, elective spay/neuter). |
| Professional & activity-related exclusions | Injuries or conditions resulting from track/sled racing, guarding/working activities, hunting, or organized/illegal activities such as dog fighting. |
| Behavioral & training exclusions | Obedience classes, behavioral training, and non‑medical behavior modification services. |
| Non-medical & administrative exclusions | Grooming, bathing, nail clipping, non‑prescribed food, non‑medically necessary boarding, house calls, travel fees, administrative fees, medical waste disposal, shipping costs, and trip cancellation. |
| Other specific exclusions | Necropsies (post‑mortem exams); cloned pets or cloning procedures; other explicitly listed non‑covered items. |
| Geographic exclusions | Illness or Injury that occurs outside of the United States. |
Companion protect prices
Companion protect’s pricing structure positions the brand across a clear tiered spectrum: an entry‑level Accident plan for basic injury protection, a mid‑range Accident and Illness option for broader clinical coverage, and a higher‑value Accident, Illness and Wellness plan that bundles preventive services. Premiums rise predictably from the Accident tier through to the Wellness tier, reflecting the additional routine care and benefits included in the top package. Lifetime coverage on all plans and a capped cremation benefit are examples of features that influence perceived value and pricing.
Reimbursement rates, deductible selections, and the choice of annual coverage limits remain core levers that determine affordability and competitiveness; higher reimbursement and lower deductibles typically translate into higher premiums, while higher limits increase the policy cost but reduce out‑of‑pocket exposure for owners. Companion protect’s operational design—prior approval for high‑cost items, a web portal for claims and administration, and bundled wellness options—supports digital efficiency and service controls that can make rates competitive versus more traditional providers that rely on legacy administration.
Key differentiators include a structured prior‑approval process for expensive procedures, an online policy portal that streamlines claims, and an offered wellness bundle that integrates preventive elements with medical cover. Compared with traditional players, Companion protect appears to blend digital administration and modular plan design to offer scalable pricing options without sacrificing core hospital and surgical protections.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Accident | Accident and Illness | Accident, Illness and Wellness |
|---|---|---|---|
| Dog Labrador 1 year | $36.42 | $86.79 | $113.49 |
| Dog Labrador 3 years | $36.42 | $95.39 | $122.09 |
| Dog Labrador 7 years | $36.42 | $118.93 | $145.63 |
| Dog Australian Shepherd 1 year | $36.42 | $84.35 | $111.05 |
| Dog Australian Shepherd 3 years | $36.42 | $92.46 | $119.16 |
| Dog Australian Shepherd 7 years | $36.42 | $114.65 | $145.35 |
| Dog French Bulldog 1 year | $36.42 | $95.88 | $122.58 |
| Dog French Bulldog 3 years | $36.42 | $106.31 | $133.01 |
| Dog French Bulldog 7 years | $36.42 | $134.83 | $161.53 |
| Cat European Shorthair 1 year | $16.70 | $43.94 | $69.47 |
| Cat European Shorthair 3 years | $16.70 | $45.96 | $71.50 |
| Cat European Shorthair 7 years | $16.70 | $58.96 | $84.49 |
| Cat Maine Coon 1 year | $16.70 | $43.94 | $69.47 |
| Cat Maine Coon 3 years | $16.70 | $45.96 | $71.50 |
| Cat Maine Coon 7 years | $16.70 | $58.96 | $84.49 |
| Cat British Shorthair 1 year | $16.70 | $43.94 | $69.47 |
| Cat British Shorthair 3 years | $16.70 | $45.96 | $71.50 |
| Cat British Shorthair 7 years | $16.70 | $58.96 | $84.49 |
Companion protect Promo Codes
| Companion protect Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed with Companion protect?
With Companion protect, reimbursements are calculated by subtracting your annual deductible from eligible veterinary charges and then applying your chosen reimbursement percentage, up to your annual coverage limit.
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $200 (consultation + medication)
Deductible amount to subtract: N.C. (varies by chosen deductible)
Amount reimbursable after deductible with the Accident, Illness and Wellness plan: $200 − N.C. = N.C.
N.C.% of that amount reimbursed: N.C. × N.C% = N.C.
👉 You receive a reimbursement of N.C.
ℹ️ If your deductible hasn’t been met yet, the deductible is applied once per policy year; subsequent eligible claims are processed after that.
✅ Example 2: Emergency abdominal surgery (including hospitalization and imaging)
Total vet costs: $4,800 (surgery, anesthesia, imaging, 2‑day hospitalization, medications)
Deductible amount to subtract: N.C. (may be $0 if already met earlier in the policy year)
Amount reimbursable after deductible with the Accident, Illness and Wellness plan: $4,800 − N.C. = N.C.
N.C.% of that amount reimbursed: N.C. × N.C% = N.C.
👉 You receive a reimbursement of N.C.
ℹ️ Large procedures may require prior approval if above specified thresholds; reimbursements count toward your annual limit.
✅ Example 3: Emergency dental extraction after severe tooth fracture
Total vet costs: $1,250 (extraction, anesthesia, x‑rays, pain meds)
Deductible amount to subtract: N.C. (depends on your selected annual deductible)
Amount reimbursable after deductible with the Accident, Illness and Wellness plan: $1,250 − N.C. = N.C.
N.C.% of that amount reimbursed: N.C. × N.C% = N.C.
👉 You receive a reimbursement of N.C.
ℹ️ Dental procedures are eligible when they result from a covered accident or illness; routine dental cleanings are not covered under the base plan.
Companion protect Assistance
Companion protect emphasizes pre‑treatment controls with a prior‑approval requirement for services over $2,500—this supports cost management for major surgeries and hospitalizations but requires timely coordination before non‑emergency treatment.
Policyholders have access to a web portal to initiate claims and update contact information, enabling digital submission and status tracking for routine interactions.
The product includes lifetime coverage and a modest cremation benefit (up to $250), which provide continuity of cover and limited end‑of‑life assistance for owners.
Coverage explicitly excludes events occurring outside the United States and routine preventive services, so owners should plan to pay out of pocket for vaccinations, parasite prevention, and other wellness needs.
| Assistance Companion protect | Available? | Details |
|---|---|---|
| Advance payment | N.C. | N.C. |
| Payment facilities | N.C. | N.C. |
| Mobile app | N.C. | N.C. |
| Paperless claims process | ✅ | Claims can be initiated via the web portal. Policyholders can update contact information and track claim progress online. |
| Emergency vet service | N.C. | N.C. |
| Vet/clinic partner network | N.C. | N.C. |
| Coverage abroad | ❌ | Coverage does not apply to illness or injury that occurs outside the United States. |
Customer reviews of Companion protect
Because there are no published customer ratings or written reviews for Companion protect’s pet insurance on the major public platforms, there is no user‑based evidence to highlight routine strengths such as claims turnaround, customer service responsiveness, or perceived value. Without firsthand customer feedback, any positive attributes remain those described by the product materials rather than validated by policyholders.
Similarly, it is not possible to identify recurring complaints or limitations reported by owners, such as claims disputes, billing issues, or coverage surprises, because there are no platform reviews to analyze and summarize. In the absence of customer commentary, prospective buyers should rely on policy terms and direct inquiries to clarify operational details before purchasing.
Contact Companion protect
| Companion protect Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. You can also visit www.companionprotect.com to start an online quote or subscribe via the policyholder portal. |
| To request and track a reimbursement | Submit your claim through the Companion Protect web portal at www.companionprotect.com or contact the claims & prior approval line at 800-304-9930 for guidance. Prior approval is required for services over $2,500 and for certain procedures; call 800-304-9930 to request prior authorization. To track a claim, use the web portal or contact service@companionprotect.com or 800-304-9930 for status updates. Required documents: N.C. Deadlines for submission: N.C. Reimbursement method (payment form): N.C. |
| To obtain a certificate of insurance | Request a certificate via the policyholder web portal, by emailing service@companionprotect.com, or by calling 800-304-9930. Channels: web portal, email, phone. Required information to process the request (policy number, insured name, pet details): N.C. |
| To contact assistance | Phone (Plan administrator, claims & prior approval): 800-304-9930. Email (customer service): service@companionprotect.com. Insurer phone (Liberty Insurance Underwriters): 1-800-677-9163. Website / Portal: www.companionprotect.com. Mailing address (insurer): 175 Berkeley Street, Boston, MA 02116. |
| To cancel my policy | Request cancellation via the policyholder web portal, by emailing service@companionprotect.com, or by calling 800-304-9930. How to cancel: submit a cancellation request through one of the channels above. Information to provide when requesting cancellation: N.C. Cancellation deadlines or notice periods: N.C. Refund conditions and any pro rata or administrative refund policy: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Companion protect?
N.C. regarding a universal third‑party or direct‑pay arrangement. Claims are initiated and submitted through the policyholder web portal, and prior approval is required for high‑cost procedures. For questions about direct vet billing or advance payment options, contact Companion Protect Claims & Prior Approval at 800-304-9930 or service@companionprotect.com.
How do I cancel my pet insurance policy with Companion protect?
N.C. on a formal online cancellation form or cooling‑off procedure. You can request cancellation via the policyholder web portal, by calling Companion Protect Claims & Prior Approval at 800-304-9930, or by emailing service@companionprotect.com. Provide your policy number, pet details, and desired cancellation date; refund and prorating conditions should be confirmed with the administrator.
What waiting periods apply before coverage starts?
Illness coverage includes a 14‑day waiting period, while certain knee injuries (e.g., cruciate ligament) are subject to a six‑month waiting period. The Accident plan treats illness waiting periods as not applicable for that product; specific accident waiting days are N.C. for some plans. Always confirm waiting periods for the chosen plan at enrollment.
What reimbursement rates and annual limits does Companion protect offer?
Reimbursement percentages and annual reimbursement limits are N.C. in the standard plan descriptions provided. Policyholders select a plan level (Accident; Accident and Illness; Accident, Illness and Wellness) which affects scope of cover, and specific financial terms should be confirmed on your quote or policy schedule. Contact Companion Protect or review your policy schedule for exact rates and limits.
Which treatments and expenses are excluded from coverage?
Pre‑existing conditions, routine and preventive care (vaccinations, parasite prevention), elective and cosmetic procedures, routine dental care, and conditions related to breeding or professional activities are excluded. Owner‑related neglect and experimental or investigational treatments are also not covered, and illnesses or injuries occurring outside the United States are excluded. Cremation is limited to a stated amount per the plan.
When is prior approval required and how does the claims process work?
Prior approval is required for services over $2,500 and for scheduled surgery, specialist fees, hip dysplasia treatment, organ transplants, and hospitalization except in emergencies. Use the web portal to initiate claims and submit documentation, and call 800-304-9930 for prior‑approval requests. Keep invoices, medical records, and the policy number ready to speed review and reimbursement.
Do I have to pay upfront for veterinary fees with Companion protect?
N.C. regarding a universal third‑party or direct‑pay arrangement. Claims are initiated and submitted through the policyholder web portal, and prior approval is required for high‑cost procedures. For questions about direct vet billing or advance payment options, contact Companion Protect Claims & Prior Approval at 800-304-9930 or service@companionprotect.com.
How do I cancel my pet insurance policy with Companion protect?
N.C. on a formal online cancellation form or cooling‑off procedure. You can request cancellation via the policyholder web portal, by calling Companion Protect Claims & Prior Approval at 800-304-9930, or by emailing service@companionprotect.com. Provide your policy number, pet details, and desired cancellation date; refund and prorating conditions should be confirmed with the administrator.
What waiting periods apply before coverage starts?
Illness coverage includes a 14‑day waiting period, while certain knee injuries (e.g., cruciate ligament) are subject to a six‑month waiting period. The Accident plan treats illness waiting periods as not applicable for that product; specific accident waiting days are N.C. for some plans. Always confirm waiting periods for the chosen plan at enrollment.
What reimbursement rates and annual limits does Companion protect offer?
Reimbursement percentages and annual reimbursement limits are N.C. in the standard plan descriptions provided. Policyholders select a plan level (Accident; Accident and Illness; Accident, Illness and Wellness) which affects scope of cover, and specific financial terms should be confirmed on your quote or policy schedule. Contact Companion Protect or review your policy schedule for exact rates and limits.
Which treatments and expenses are excluded from coverage?
Pre‑existing conditions, routine and preventive care (vaccinations, parasite prevention), elective and cosmetic procedures, routine dental care, and conditions related to breeding or professional activities are excluded. Owner‑related neglect and experimental or investigational treatments are also not covered, and illnesses or injuries occurring outside the United States are excluded. Cremation is limited to a stated amount per the plan.
When is prior approval required and how does the claims process work?
Prior approval is required for services over $2,500 and for scheduled surgery, specialist fees, hip dysplasia treatment, organ transplants, and hospitalization except in emergencies. Use the web portal to initiate claims and submit documentation, and call 800-304-9930 for prior‑approval requests. Keep invoices, medical records, and the policy number ready to speed review and reimbursement.
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