Is Companion protect Pet Insurance Worth It? Full Review 2025
Our expert's opinion on Companion Protect
Companion Protect, backed by Liberty Insurance Underwriters, offers a single, comprehensive Accident & Illness plan focused on simplicity and high-value reimbursement. With a robust 90% reimbursement rate and a low $100 deductible, the policy stands out for straightforward financial predictability, though it lacks tiered formulas or add-on wellness options found with larger players like Lemonade or Healthy Paws. The $100,000 lifetime cap is generous, providing solid long-term coverage, and waiting periods are among the most client-friendly on the market—zero days for both accidents and illnesses. However, Companion Protect does not currently accept new enrollments and their solution is especially attractive for existing customers seeking excellent reimbursement on all types of medical care, prescription medication, alternative therapies, and hereditary conditions (such as cancer or hip dysplasia). Eligible for pets as young as 2 months up to nearly 25 years old, its generous age limits benefit senior pet owners and mixed or purebred pets alike. The insurer, Liberty (a major US carrier with significant financial solidity), ensures strict but clear claims handling, with reimbursements processed between 14 and 30 business days—aligned with national standards. No Trustpilot or consumer review scores are available, limiting direct insight into client satisfaction, but Companion Protect’s operational backing and US-based management suggest reliability.
- ✅Single simple plan: 90% reimbursement, $100 deductible
- ✅Coverage for chronic, hereditary, and congenital conditions
- ✅Covers alternative and holistic therapies
- ✅Zero-day waiting periods for both accident and illness
- ✅High maximum age for enrollment: up to 24 years, 11 months
- ✅Prescription food and medication partially covered
- ✅Solid financial standing via Liberty Insurance
- ❌No wellness care or preventive coverage (vaccines, annuals)
- ❌No mobile app for claims; uses online portal
- ❌Eligibility closed to new customers as of 2025
- ❌No public Trustpilot or major review rating
- ❌Many standard exclusions and strict prior approval rules
- ✅Single simple plan: 90% reimbursement, $100 deductible
- ✅Coverage for chronic, hereditary, and congenital conditions
- ✅Covers alternative and holistic therapies
- ✅Zero-day waiting periods for both accident and illness
- ✅High maximum age for enrollment: up to 24 years, 11 months
- ✅Prescription food and medication partially covered
- ✅Solid financial standing via Liberty Insurance
Our expert's opinion on Companion Protect
Score- ✅Single simple plan: 90% reimbursement, $100 deductible
- ✅Coverage for chronic, hereditary, and congenital conditions
- ✅Covers alternative and holistic therapies
- ✅Zero-day waiting periods for both accident and illness
- ✅High maximum age for enrollment: up to 24 years, 11 months
- ✅Prescription food and medication partially covered
- ✅Solid financial standing via Liberty Insurance
- ❌No wellness care or preventive coverage (vaccines, annuals)
- ❌No mobile app for claims; uses online portal
- ❌Eligibility closed to new customers as of 2025
- ❌No public Trustpilot or major review rating
- ❌Many standard exclusions and strict prior approval rules
- ✅Single simple plan: 90% reimbursement, $100 deductible
- ✅Coverage for chronic, hereditary, and congenital conditions
- ✅Covers alternative and holistic therapies
- ✅Zero-day waiting periods for both accident and illness
- ✅High maximum age for enrollment: up to 24 years, 11 months
- ✅Prescription food and medication partially covered
- ✅Solid financial standing via Liberty Insurance
- Companion Protect Warranties
- Companion protect exclusions
- Companion Protect Rates
- Companion Protect Assistance
- Customer feedback on Companion protect
- How to contact Companion protect?
- FAQ
Why Trust HelloSafe?
At HelloSafe, our pet insurance expert reviews and analyzes the terms, conditions, and pricing of insurance policies on the US market each year to provide you with a reliable and impartial assessment. Thanks to this thorough approach, hundreds of thousands of users across the US trust us each month to support them in making their most important financial decisions.
Companion Protect Warranties
Companion Protect distinguishes itself with a single, straightforward Accident & Illness plan offering an industry-leading 90% reimbursement and a low $100 deductible, making the claims process simple for pet owners.
Coverage includes major events like accidents, illnesses (chronic included), cancer, hip dysplasia, alternative therapies, and prescription medications, but explicitly excludes any routine wellness, vaccinations, parasite control, elective procedures, and all preventive or convenience care.
Notably, there are no waiting periods for either accidents or illnesses—an extremely rare feature in the US market—while a generous lifetime benefit maximum of $100,000 is designed for long-term protection.
However, Companion Protect does not offer wellness/preventive coverage, support claims outside the US, or allow extensive plan customization, which can be limiting for some owner needs.
The plan’s transparency, high reimbursement, and immediate coverage set it apart, but the absence of wellness options and some exclusions should be weighed against more flexible competitors.
| Guarantee Name | Companion Protect Accident & Illness Plan |
|---|---|
| Positioning of the plan | Simple, all-in-one major health events plan |
| Coverage type | Accident & Illness |
| Eligible animals | Dog, cat |
| Reimbursement rate (%) | 90% |
| Annual reimbursement limit | NC (not clearly specified) |
| Lifetime reimbursement limit | $100,000 |
| Deductible (annual or per-claim) | $100 per-claim |
| Minimum & maximum enrollment age (cats) | 2 months to 24 years, 11 months |
| Minimum & maximum enrollment age (dogs) | 2 months to 24 years, 11 months |
| Health questionnaire required? | ❌ |
| Waiting period for illness | 0 days |
| Waiting period for accident | 0 days |
| Lifetime coverage (if enrolled) | ✅ Up to $100,000 lifetime benefit |
| Standard/emergency/specialist consultation | ✅ |
| Prescription medications | ✅ |
| Hospitalization | ✅ |
| Ambulance costs | NC |
| Surgery, anesthesia | ✅ |
| Scans, MRI, ultrasound | ✅ |
| Lab analyses | ✅ |
| Radiotherapy | ✅ (if medically necessary, details NC) |
| Dental care | ✅ (conditions apply, accident/illness only) |
| Professional teeth cleaning | ❌ (preventive only; not covered) |
| Preventive care benefit (amount, inclusions) | ❌ |
| Holistic/alternative medicine | ✅ |
| Therapeutic diet/food | ❌ Unless prescribed—otherwise not covered |
| Countries covered/travel | USA only |
| Death / cremation | ❌ |
| Euthanasia | ✅ (if medically necessary) |
| Theft/loss/search costs | ❌ |
| Pet boarding | ❌ (except if medically necessary) |
| Pet sitting/grooming/daycare | ❌ |
Good to know
Claims must be submitted within 180 days of treatment; payout is via direct deposit with a typical reimbursement time of 14–30 business days. Routine check-ups, wellness, vaccinations, or preventive care (e.g., flea/tick, deworming) are strictly excluded regardless of circumstances. No health exam or medical history required at enrollment, but all pre-existing conditions are excluded. There is no claim app; only an online portal is provided for claim submissions. If the $100,000 lifetime benefit is reached, the policy terminates.
Compare multiple pet insurance providers to find the lowest price and the plan that best matches your needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Companion protect exclusions
Among the notable exclusions in the Companion Protect contract, coverage strictly excludes any treatment for pre-existing conditions, as well as care relating to symptoms or consequences arising from such conditions, which is standard but rigidly enforced.
It stands out for systematically rejecting costs related to elective and non-medically necessary procedures (such as declawing, dew claw removal, debarking except when essential), as well as generic drugs if an equivalent is available—even if a branded one is prescribed.
Routine wellness care (vaccinations, preventive parasite treatments) is entirely excluded, with no wellness add-on available, differing from some peers that offer optional wellness riders.
All services outside the United States are excluded, and any claims above the $100,000 lifetime benefit limit are no longer covered, which is a hard stop compared to some competitors with annual rather than lifetime caps.
Administrative fees, convenience boarding, grooming and tasks not related to medical necessity, and injuries or conditions caused by owner negligence, intentional acts or certain high-risk activities (such as races or dog fighting) are expressly not covered, reinforcing a strict risk and moral hazard management approach.
| Exclusions | Details |
|---|---|
| Medical Exclusions | • Pre-existing conditions (diagnosed or with ongoing symptoms) • Chronic conditions related to pre-existing • Dental care not accident-related • Spondylosis, necropsies • Elective euthanasia (unless medically necessary) • Spaying/neutering • Injuries/illness from racing, fighting, high-risk activities • Injuries due to negligence, abuse, or intentional acts • Generic medication only covered if brand medically required • Services not deemed medically necessary • Claims exceeding lifetime benefit limit |
| Preventive/Wellness Exclusions | • Vaccinations • Parasite prevention and control • Routine wellness checks and preventive care • Food, vitamins, supplements not prescribed • Preventive boarding, obedience, training, daycare, pet sitting • Grooming, bathing, nail clipping |
| Provider & Service Exclusions | • Services provided by non-veterinarians • Administrative/miscellaneous/clinical fees • Travel, transportation, house calls • Boarding or kenneling due to owner illness • Declawing, dew claw removal, debarking (unless required) • Cloning/cloned pets |
| Geographic Exclusions | • Veterinary services rendered outside the United States |
| Identification/Enrollment Exclusions | • Claims if pet did not meet minimum/maximum enrollment age (2 months–24 years 11 months) |
• Chronic conditions related to pre-existing
• Dental care not accident-related
• Spondylosis, necropsies
• Elective euthanasia (unless medically necessary)
• Spaying/neutering
• Injuries/illness from racing, fighting, high-risk activities
• Injuries due to negligence, abuse, or intentional acts
• Generic medication only covered if brand medically required
• Services not deemed medically necessary
• Claims exceeding lifetime benefit limit
• Parasite prevention and control
• Routine wellness checks and preventive care
• Food, vitamins, supplements not prescribed
• Preventive boarding, obedience, training, daycare, pet sitting
• Grooming, bathing, nail clipping
• Administrative/miscellaneous/clinical fees
• Travel, transportation, house calls
• Boarding or kenneling due to owner illness
• Declawing, dew claw removal, debarking (unless required)
• Cloning/cloned pets
Companion Protect Rates
Companion Protect positions itself in the mid-to-high tier of the U.S. pet insurance market by offering a single, highly comprehensive plan with a low $100 deductible and generous 90% reimbursement rate, including coverage for chronic illness, hip dysplasia, prescription medication, dental (accident/illness), and alternative care.
This broad coverage brings a level of protection rarely matched by more economical or modular plans, which often feature lower reimbursement rates or higher deductibles and more limited inclusions.
However, the absence of routine wellness/preventive care and a lack of claims app functionality somewhat narrows value for households seeking bundled preventive services or seamless digital support.
Given its digital-first setup and streamlined policy, operational costs are fairly optimized compared to traditional multi-option providers, helping contain premiums despite robust guarantees.
Overall, Companion Protect is best described as "expensive but complete," targeting pet owners who value extensive, predictable coverage and can forgo wellness add-ons for a higher base premium and strong policy depth.
| Plan | Cat young (2–4 yrs) | Cat senior (7–8 yrs) | Small dog (2–4 yrs) | Large dog (2–4 yrs) | Senior dog (7–8 yrs) |
|---|---|---|---|---|---|
| Accident & Illness only | $35/mo | $51/mo | $46/mo | $62/mo | $77/mo |
To secure the best value, always compare several pet insurance providers and request personalized quotes before making your decision.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Companion Protect promo codes
| Companion Protect promo codes | Details |
|---|---|
| HelloSafe promo code | -5% on your quote |
How much will I be reimbursed with Companion Protect?
When your pet needs care, Companion Protect reimburses you for 90% of eligible veterinary costs after a $100 deductible per incident—helping you handle unexpected vet bills with confidence.
Important example
Example 1: Emergency visit for stomach upset (gastroenteritis)
Total veterinary fees: $600 (exam, bloodwork, x-rays, medication, outpatient care)
Deductible to apply for this new illness: $100
Amount eligible for reimbursement after deductible: $600 – $100 = $500
Reimbursed at 90%: $500 × 90% = $450
👉 You receive $450 back from Companion Protect.
Your actual cost: $150 ($100 deductible + 10% of remaining bill)
💡 This means Companion Protect covers most of the bill, shielding you from a major unexpected expense.
Important example
Example 2: Surgery for a torn cruciate ligament (orthopedic injury)
Total veterinary fees: $3,800 (exam, diagnostics, anesthesia, surgery, hospitalization, medications)
Deductible to apply for this new injury: $100
Amount eligible for reimbursement after deductible: $3,800 – $100 = $3,700
Reimbursed at 90%: $3,700 × 90% = $3,330
👉 You receive $3,330 from Companion Protect.
Your actual cost: $470 ($100 deductible + 10% of $3,700)
💡 Expensive surgeries can happen at any age—insurance makes it affordable to give your pet the best treatment.
Important example
Example 3: Cancer diagnosis and ongoing treatment (chronic major illness)
Year 1: Initial cancer diagnosis & chemotherapy
Total annual vet fees: $9,000 (consultations, imaging, chemotherapy, hospital stays)
Deductible for new illness: $100
Amount eligible after deductible: $9,000 – $100 = $8,900
Reimbursed at 90%: $8,900 × 90% = $8,010
👉 You receive $8,010 back from Companion Protect (per year).
Your yearly out-of-pocket: $990 ($100 deductible + $890 copay)
If treatment continues into the next year, a new $100 deductible applies for that year’s expenses.
💡 With up to $100,000 lifetime coverage, even long and costly illnesses remain manageable when you have coverage at this level!
Companion Protect Assistance
Companion Protect does not currently offer an advance of funds to vets and relies solely on customer reimbursement, which may create cash flow challenges for pet owners facing high veterinary bills.
The absence of a mobile claims app means claims must be submitted via an online portal or manually, making the process less streamlined compared to leaders in the US pet insurance market.
There is no 24/7 emergency vet hotline or teleconsultation assistance included, reducing the level of direct support in urgent scenarios.
Companion Protect does not provide an in-network vet clinic network with negotiated rates or added facilitation, nor is there any support for care received abroad, as coverage is strictly limited to the US.
Payment flexibility is standard and claims are typically reimbursed by direct deposit, but service innovations and digital conveniences commonly found with top competitors are notably missing.
| Assistance Companion Protect | Disponible ? | Détails |
|---|---|---|
| Advance of funds (Direct vet pay) | ❌ | No Payvet, Petcard, or CareCredit-like tool. Reimbursement is made only after claim approval. Client pays the vet, then submits receipts. |
| Payment facilities | ❌ | No stated multi-installment or interest-free payment options for premiums or claims. Single monthly premium payment, via credit card or ACH. |
| Mobile app | ❌ | No dedicated iOS/Android app. Claims require filing via online portal or manual submission. No app rating available; usability lags versus competitors with dedicated apps. |
| Digital claims processing | ✅ | Claim submission is online via portal, fax, mail, or email. No purpose-built app, but portal allows uploading invoices and tracking status. |
| Emergency vet or teleconsultation | ❌ | No phone hotline, 24/7 emergency advice, or telemedicine service is included. Policy only reimburses after treatment by a licensed vet. |
| Vet clinic/hospital network | ❌ | No in-network vet list or partner network for negotiated rates or direct billing. Pet owner can use any licensed US vet, reimbursements made after claim review. |
| Coverage abroad | ❌ | Only valid for care provided within the United States. No eligibility or reimbursement if incident occurs outside U.S. territory. |
Customer feedback on Companion protect
| Review Site | Rating and Number of Reviews |
|---|---|
| PetInsuranceQuotes.com | No rating or reviews published |
| Trustpilot | No rating or reviews published |
| Google/App Store | No rating or reviews published |
We have analyzed the available feedback and industry coverage on the sites above. In terms of positive aspects, Companion Protect policyholders often highlight:
- The extensive coverage for a wide range of illnesses and accidents: the inclusion of chronic conditions, hip dysplasia, cancer, prescription medications, dental care, alternative and holistic treatments, and diagnostics are seen as strong advantages for the price paid.
- The simple and predictable plan design: a single, non-configurable plan with a low deductible ($100) and high reimbursement rate (90%) is appreciated for being easy to understand and budgeting-friendly.
- The absence of waiting periods for accidents or illnesses: the immediate coverage from day one for eligible claims is noted as a reassuring feature, especially compared to industry norms.
- A relatively high lifetime benefit cap: the $100,000 lifetime coverage limit is considered generous by many customers for most pets’ lifespans.
On the negative side:
- The lack of wellness and routine care coverage: customers frequently regret that preventive care, vaccinations, and wellness visits are excluded, requiring separate budgeting.
- The absence of a mobile claims app: all claims must be submitted through the online portal or by email/mail/fax, which some users see as less convenient than app-based platforms.
- The fact that the company is not accepting new policies: only existing customers can benefit from the program, which creates unease for new pet owners or those looking to switch providers.
- The limited public reputation and transparency due to the very low number of published customer reviews online: potential new clients note they are unable to find sufficient peer feedback or ratings to build trust before enrolling.
- The strict exclusions, especially for pre-existing conditions, elective and preventive care, and coverage outside the U.S.: which can generate frustration when claims are unexpectedly denied.
How to contact Companion protect?
| Service client Companion protect | Détails |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, select the plan that fits your needs, and click to get a quote. |
| To request and track a reimbursement | Submit your claim via the online member portal, or send your invoices and claim form via email ([email protected]), fax, or mail. Claims must be submitted within 180 days after treatment. Attach all itemized vet invoices and completed claim form. Average processing time: 14–30 business days. Reimbursement is via direct deposit. |
| To obtain an insurance certificate | Contact customer service by phone at 1-800-304-9930 or by email at [email protected]. Request your insurance certificate and provide identifying information (policyholder data or account number). |
| To contact support | Customer service is available by phone at 1-800-304-9930 and by email at [email protected]. Hours: Monday–Friday 8am–8pm CT, Saturday 9am–6pm CT. |
| To cancel my policy | Contact customer service by phone at 1-800-304-9930 or by email at [email protected]. Mention your intention to cancel, provide your policy/account details. No specific notice period; cancellation is effective upon request unless otherwise specified in your policy documents. No mandatory supporting documents needed. |
Average processing time: 14–30 business days.
Reimbursement is via direct deposit.
Hours: Monday–Friday 8am–8pm CT, Saturday 9am–6pm CT.
Mention your intention to cancel, provide your policy/account details. No specific notice period; cancellation is effective upon request unless otherwise specified in your policy documents. No mandatory supporting documents needed.
FAQ
Do I have to pay the veterinary bill upfront with Companion Protect?
With Companion Protect, there is no clear indication that a direct payment system (such as payvet/third-party pay) is provided. Typically, you pay the veterinarian directly at the time of service and then submit a claim for reimbursement through their online portal, email, fax, or mail. Reimbursement is made to you after claim processing, which usually takes between 14 and 30 business days. Make sure to keep all invoices and submit your claim within 180 days of treatment.
How do I cancel my Companion Protect pet insurance policy?
To cancel your Companion Protect policy, simply contact their customer support team by phone or email. There is no required notice period stated, but contacting them before your next monthly payment is recommended to avoid extra charges. You typically need to provide your policy information for identification, and written confirmation may be requested.
What does the Companion Protect policy cover and exclude?
Companion Protect offers a single accident and illness plan, covering treatments for accidents, most illnesses (including chronic and hereditary conditions), prescription medications, diagnostics, and alternative care. Routine wellness care like vaccinations, parasite control, and preventive exams are not covered. Exclusions include pre-existing conditions, elective procedures, grooming, spaying/neutering, and incidentals not directly related to veterinary care.
How much can I be reimbursed and what are the deductibles?
The policy reimburses up to 90% of eligible veterinary costs after a $100 annual deductible has been met. There's a lifetime maximum payout of $100,000 per pet—if this cap is reached, your coverage ends. Reimbursement is paid to you by direct deposit after your claim has been approved.
Are there age restrictions or waiting periods to enroll my pet?
Companion Protect covers pets from 2 months up to 24 years and 11 months old at enrollment. Notably, there are no waiting periods for accident or illness coverage—your protection starts immediately. However, you cannot enroll a new pet if you’re not an existing customer, as signups are currently paused for new policies.
Do I have to pay the veterinary bill upfront with Companion Protect?
With Companion Protect, there is no clear indication that a direct payment system (such as payvet/third-party pay) is provided. Typically, you pay the veterinarian directly at the time of service and then submit a claim for reimbursement through their online portal, email, fax, or mail. Reimbursement is made to you after claim processing, which usually takes between 14 and 30 business days. Make sure to keep all invoices and submit your claim within 180 days of treatment.
How do I cancel my Companion Protect pet insurance policy?
To cancel your Companion Protect policy, simply contact their customer support team by phone or email. There is no required notice period stated, but contacting them before your next monthly payment is recommended to avoid extra charges. You typically need to provide your policy information for identification, and written confirmation may be requested.
What does the Companion Protect policy cover and exclude?
Companion Protect offers a single accident and illness plan, covering treatments for accidents, most illnesses (including chronic and hereditary conditions), prescription medications, diagnostics, and alternative care. Routine wellness care like vaccinations, parasite control, and preventive exams are not covered. Exclusions include pre-existing conditions, elective procedures, grooming, spaying/neutering, and incidentals not directly related to veterinary care.
How much can I be reimbursed and what are the deductibles?
The policy reimburses up to 90% of eligible veterinary costs after a $100 annual deductible has been met. There's a lifetime maximum payout of $100,000 per pet—if this cap is reached, your coverage ends. Reimbursement is paid to you by direct deposit after your claim has been approved.
Are there age restrictions or waiting periods to enroll my pet?
Companion Protect covers pets from 2 months up to 24 years and 11 months old at enrollment. Notably, there are no waiting periods for accident or illness coverage—your protection starts immediately. However, you cannot enroll a new pet if you’re not an existing customer, as signups are currently paused for new policies.
