Companion protect Pet Insurance 2025: In-Depth US Review, Pros, Cons & Coverage
Our expert's opinion on Companion protect
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
Our expert's opinion on Companion protect
- ✅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
Score- ✅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
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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 coverage | Companion protect Plan |
|---|---|
| Plan positioning | Single 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 limit | N.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 questionnaire | N.C. |
| Waiting period (illness) | 0 days |
| Waiting period (accident) | 0 days |
| Lifetime coverage once subscribed | Until 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 |
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.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Procedural/Provider exclusions |
|
| Geographic exclusions |
|
| Administrative exclusions |
|
| Reason/intent exclusions |
|
| Boarding & stay exclusions |
|
- Pre-existing conditions and related symptomsRoutine wellness and preventive careDental not related to accidentElective euthanasia (unless medically necessary)
- Services by non-veterinariansNon-prescribed food, supplements, or medicationBehavioral training, daycareGrooming, bathing, nail clipping
- Any care received outside the U.S.Costs from travel/transportation or house calls
- Administrative/miscellaneous feesClaims over lifetime maximum
- Unsubmitted claims after allowed period
- Injuries from abuse, neglect, or illegal activitiesProcedures for cosmetic, convenience, or non-medical reasons
- Cloning/cloned pets
- Boarding due to human illness unless medically necessaryNon-medical or “convenience” boarding, pet sitting
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 dog | Small 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 |
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 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.
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 protect | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment solution at clinic. Owners must pay full vet bill first, then submit a claim. |
| Payment facilities | ❌ | No information on monthly or deferred payment options for insurance premiums. N.C. |
| Mobile app | ❌ | No mobile app available for iOS or Android. All management is via web portal or email. |
| Paperless claims process | ✅ | Digital claim submission via online portal. Claims can also be sent by email, fax, or mail. |
| Emergency vet service | ❌ | No 24/7 emergency hotline or teleconsultation service is provided. |
| Vet/clinic partner network | ❌ | N.C. No formal network of partner vets or hospitals. |
| Coverage abroad | ❌ | Covered services apply only within the United States. No international insurance extension. |
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 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. |
| To request and track a reimbursement | Submit your claim through the online customer portal, by email (service@companionprotect.com), 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 | Request by phone at 1-800-304-9930 or by email (service@companionprotect.com). Provide your policy details when making the request. |
| To contact assistance | Call customer support at 1-800-304-9930 (Mon–Fri 8am–8pm CT, Sat 9am–6pm CT), or email service@companionprotect.com for help with your policy or claim. |
| To cancel my policy | Notify Companion protect by phone (1-800-304-9930) or email (service@companionprotect.com). Written notice is required. Provide your policy number and preferred cancellation date. |
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.
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