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

Our expert's opinion on Companion protect

Last update: June 24, 2025

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4.5

Score

4.5

Score

A. Fruchard

Insurance expert

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.

Pros

• ✅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

Cons

• ❌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

Discover the offer

4.5

Score

4.5

Score

ProsCons

• ✅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 24, 2025

A. Fruchard

Insurance expert

Pros

• ✅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

Cons

• ❌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

Discover the offer

4.5

Score

4.5

Score

ProsCons

• ✅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

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.

Discover the offer

Why trust HelloSafe?

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.

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.

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.

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.

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

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.

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

FAQ

A. Fruchard

Insurance expert

Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.