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Companion Protect offers simple pet insurance available in all 50 states nationwide. Founded in 2014 for shelters and rescue animals, the company uses just three factors to provide a quote: your zip code, your pet’s age, and the species (cat or dog). Plus, unlike almost all other insurers, Companion Protect doesn’t have a waiting period once you’ve completed your enrollment.
Read on to see what Companion Protect offers and how much you’ll pay to insure your beloved fur baby.
Types of Pet Insurance Plans from Companion Protect
Companion Protect offers only one pet insurance plan with 90% reimbursement on each qualifying claim after payment of a $100 deductible. Also, society does not exclude animals based on their age. Instead, it reviews your pet’s medical history to determine any pre-existing conditions and will communicate any exclusions before you purchase your plan.
As might be expected, if there is evidence of the condition within the year before coverage begins or conditions treated within a few months of coverage (i.e. pre-existing and in awaiting treatment), they will be excluded from coverage in the future. This is because pet insurance does not cover routine care such as vaccinations or dental care for pets.
If you do not have recent medical records from the past 12 months, you may need to take your fur baby to a vet for a checkup and submit the report prior to registration.
How much does Companion Protect pet insurance cost?
We’ve priced the blanket for Insider’s imaginary Golden Retriever, Caboodle, who is three years old with no pre-existing conditions.
Companion Protect quoted us $45/month for Caboodle, which covers the following issues and more, although some services require pre-approval for coverage:
- Cancer treatments
- Respiratory problems
- kidney disease
- Urinary tract infection
- Arthritis Care
- Hip dysplasia
- Patella and knee dislocation problems
- Emergencies and hospitalization
Coverage also includes 90% reimbursement on eligible prescription drugs and 50% reimbursement on eligible prescription foods. You will also be covered for one annual exam per year for pets under seven years old and two per year for pets over seven years old. Reimbursement is limited to $100,000 for the lifetime of your insured pet or $20,000 per year.
How to file a complaint
Companion Protect encourages customers to pick up the phone and speak to an Animal Care representative. Agents can guide you through policy enrollments, potential exclusions, or how to file a claim.
You will need to submit the following information:
- Basic information about your covered animal
- Companion Protect policy number
- General information from your veterinarian
- Veterinarian’s invoice for covered services
- Related medical documentation, if applicable
Certain types of services require prior approval to receive coverage, which can be requested via this page:
- Surgical interventions
- Veterinary specialty fees
- Night hospitalization
- Services over $2,500
- Treatment of hip dysplasia
- Tissue or organ transplants
Phone: (800) 304-9930
Monday to Friday, 8 a.m. to 8 p.m. CST
Saturday, 9 a.m. to 6 p.m. CST, closed Sunday
Fax: (919) 859-8193
Raleigh, North Carolina 27627
Companion Protect Pet Insurance FAQs
Companion Protect has a flat deductible of $100 per qualifying claim.
You can submit your claim online or call (800) 304-9930 to have a customer service representative assist you.
Yes. Companion Protect offers discounts to pet owners who enroll multiple fur babies, active and retired military veterans, and people who work with animals in need.
Eligible claims will be refunded within three to five business days if all required information is complete.
This pet insurance provider had 25 Google reviews with an average of 3.1 stars when this review was published. While customers speak positively of the company as a whole, there have been numerous complaints about the declining quality and ease of the complaints filing process over the past few months.
Companion Protect offers multiple pet, military, and animal welfare discounts (i.e. pet rescues and adoptive pet parents).
Methodology: What went down in our Companion Protect pet insurance review
Insider rates pet insurance providers for friendliness, ease of enrollment, cost of coverage, and simplicity of the claims filing process. We also review customer reviews regarding the refund process. You can read more about our insurance pricing methodology.
In short, our opinion is not based on a single factor when evaluating a product. For example, the price of a small plan may be low, but it could leave you in the lurch if you have an emergency. Likewise, a policy may be complete with a strong customer service team, but some companies may not be accessible to the average consumer. We consider all of these factors together to get the full picture.
Companion Protect Pet Insurance Competitors
Compare Companion Protect and PetPartners
Companion Protect and PetPartners Pet Insurance couldn’t be more different when it comes to the enrollment process. Where Companion Protect only offers one plan across the board, PetPartners offers 169 options for pricing customization at the end of the day.
Compared face to face, Companion Protect seems to be cheaper initially. However, PetPartners charges an annual deductible, while Companion Protect charges a $100 deductible per qualifying claim. So you’ll get a better deal with Companion Protect if your furry baby rarely goes to the vet. However, PetPartners is best if your pet requires regular veterinary care.
Compare Companion Protect and Pumpkin
Pumpkin Pet Insurance and Companion Protect reimburse a flat rate of 90% on qualifying claims. Like PetPartners, Pumpkin charges annual deductibles, while Companion Protect charges a $100 deductible per claim.
Throughout the quote process, Companion Protect provides minimal information. For example, you will not get confirmation of excess, coverage limits, etc. until you submit your complete application. On the other hand, Pumpkin offers all this information early with unlimited coverage options. Pumpkin also has higher ratings for handling complaints based on what we’ve seen.
Compare Companion Protect and Healthy Paws
Healthy Paws pet insurance offers options to customize your deductible, limits, and more. It remains one of the most popular pet insurance companies, and we find it offers comprehensive options at affordable prices for many pets. Unfortunately, neither company offers a wellness plan for routine care. However, Healthy Paws responds to it, saying pet owners can schedule vaccinations and other regular care. However, its extensive pet insurance coverage prepares pet owners for the unexpected.
We’re concerned about the number of steps you need to take to get basic information, such as excess and policy limits with Companion Protect. Based on the prices, pet owners should have this information before purchasing. Healthy Paws makes data accessible and has higher customer satisfaction as a result.