Compare Companion Protect Pet Insurance

Comparison Fact Sheet
Updated 9/04/2024

To get the most from these sheets, please read the Guide to Pet Insurance first.

***PLEASE NOTE***
At the time of this writing, Companion Protect appears to be undergoing changes.
Some customers are reporting they received letters from Companion Protect stating their policies will change to a new insurance company on renewal.
For many of these customers, the new terms will come with less coverage.

As a result, the information below may not be correct.
It is not clear if Companion Protect is transferring policies because they are going out of business, were bought by another company, or if they are just changing their name.
Therefore, at this time, it would be prudent to wait for more clarity from the company before buying a policy.



Company Info
Company Name Companion Protect
Also Known As / Affiliates / Partners  
Address 10950 El Monte St
Overland Park, KS 66211
Phone 1-800-304-9930
Website www.companionprotect.com
Plans That Provide Full Accident and Illness Coverage Companion Protect Accident and Illness Plan *
States Covered Available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Liberty Insurance Underwriters, Inc. which has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 1/30/2024.

For the most recent ratings go to: AM Best
Year Company Started 2015

 

Policy Basics
Policy Term Month to Month
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Pet be must older than 2 months but not older than 24 years and 11 months.
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period No Waiting Periods for accidents and illness.

There is a 6 month waiting period for Wellness exam coverage.

**Waiting Periods can vary by state. See actual policy or contact Companion Protect to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury No waiting period for cruciate injuries

**Waiting Periods can vary by state. See actual policy or contact Companion Protect to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? In their policy it states that Illness or Injury occurring outside of the United States is not covered.

Companion Protect has an In-Network Veterinarian / Out-Of-Network Veterinarian structure.

Some deductible and reimbursement amounts vary depending on veterinarian's network status.
Can the Price of the Policy Increase as my Pet Ages? It is unclear whether price increases due to age.

Please note that premiums can increase for other reasons too.

Contact Companion Protect for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? Not Clear.
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.

(See 'Max Payout' section below)
Can the Price of the Policy Increase if a Claim is Filed? Not Clear.
Choice of Vet? In their policy it states that Illness or Injury occurring outside of the United States are not covered.

Companion Protect has a In-Network Veterinarian / Out-Of-Network Veterinarian Structure.

Some deductible and reimbursement amounts vary depending on veterinarian's network status.

In their policy it states that "We reserve the right to select the provider of any surgical procedure."
Money Back Guarantee? Not Clear.
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No, but Pre-certification is needed before seeing a veterinary specialist in non-emergency situations.

In addition, in their policy they state: "We reserve the right to select the provider of any surgical procedure."
Pre-certification Required? Yes, Pre-certification is needed, except when seeking Emergency Treatment, for the following:
  • Any Surgical procedures.
  • Veterinary Specialist fees.
  • Hospitalization.
  • Services over $2,500.
  • Treatment for hip dysplasia.
  • Tissue or organ transplants.
In their policy they state: "We reserve the right to select the provider of any surgical procedure".
Additional Requirements **See actual policy or contact Companion Protect for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Illness -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Behavioral Therapy Coverage It is not clear if Behavioral Therapy is covered.

**See actual policy or contact Companion Protect for a complete description of what types of Behavioral Therapy are covered
Alternative Therapy Coverage [INCLUDED]

**See actual policy or contact Companion Protect for a complete description of what types of Alternative Therapy are covered
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to their sample policy on their website, a pre-existing condition is "...any Injury, Illness, or other condition which was identified or suspected prior to or at the time of enrollment or diagnosed by a Qualified Veterinarian or Qualified Staff prior to the Effective Date of this Policy."

**See actual policy or contact Companion Protect for a complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage Hip Dysplasia is covered, but it is not clear whether all Congenital and Hereditary Conditions are covered as it is not explicitly stated on website or in their sample policy at the time of this writing.
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)

Companion Protect does not cover Spondylosis.

**See actual policy or contact the company for a complete description of their Chronic Conditions Policy.
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)

Orthopedic (bone) care up has limits up to $10,000 per site for a covered Illness or Injury which means that orthopedic (bone) cancers may have this monetary limit as well.
Hip Dysplasia [INCLUDED] Hip Dysplasia is covered as long it is not pre-existing and has not occurred during the waiting period.

This condition is covered up to the Maximum Payout. (See 'Max Payout' section below)

There is an Orthopedic care limit of up to $10,000 per site for a covered Illness or Injury

Pre-certification is required for hip dysplasia treatment
Prescription Drug Coverage [INCLUDED]

However, when a generic version of the drug is available but a brand name drug is used, they reserve the right to limit the amount paid to the cost of the generic version.

**See actual policy or contact Companion Protect for their full description regarding prescription medications.
Pregnancy Coverage [NO]
Routine/Wellness Coverage [LIMITED]

Routine/Wellness exam is covered. It is subject to a waiting period of six (6) months after enrollment. Routine/Wellness exam does not include vaccinations or puppy and kitten plans of any kind. This may vary by state.

Pets seven (7) years of age or younger are eligible for one (1) such exam per year.

Pets older than seven (7) years of age are eligible for up to two (2) such exams per year.

You will be reimbursed less for wellness exams performed by an Out-of-Network Veterinarian.


**See actual policy or contact the company for a complete description of their Wellness Coverage
Vaccinations [NO]
Spay/Neuter [NO]
Dental Care (Routine) [NO]
Dental Care (Illness/Accident) [LIMITED COVERAGE]

Dental Treatments for issues that are not a result of damage from an Accident are NOT covered

**See actual policy or contact the company for a full list of inclusions and exclusions.
Bilateral Conditions Policy Not Clear.

**Contact the company for a complete list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Cancer, Prescription Medications, Alternative Therapy, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

It is unclear whether Behavioral Therapy and all Hereditary/Congenital conditions are covered.

**See actual policy or contact Companion Protect for a full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Costs from breeding or pregnancy
  • Boarding
  • Grooming
  • Spondylosis
...See policy for a complete listing

 

How The Policy Works
Reimbursement In-Network Veterinarian: 90%

Out-Of-Network Veterinarian: Not Clear
Deductible In-Network Veterinarian: The base deductible amount is not clear.

$100 Per Visit to an After Hours Emergency Clinic for In-Network Veterinarian.


Out-Of-Network Veterinarian: The base deductible amount is not clear.

$200 Per Visit to an After Hours Emergency Clinic for Out-Of-Network Veterinarian.


There is a $200 deductible for surgery received In-Network or Out-of-Network.
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Deductible is Per Claim
How is Reimbursement Determined It is not clear whether reimbursements are based on UCR or Actual Vet Bill.

It is not clear if reimbursements are calculated by taking the deductible first or the reimbursement percentage first.
Max Payout Annually In Illinois, coverage is limited to $20,000 per year.
Max Lifetime Payout There is a lifetime coverage benefit of $100,000.
Max Payout per Incident This plan does not have a maximum payout per incident
Max Payout Based on the orthopedic Body System This plan has a maximum payout based on the orthopedic body system.

Payout for orthopedic care is limited $10,000 per site.
Client Reimbursed or Vet Paid Directly In-Network Veterinarian - Veterinarian is paid directly.

Out-Of-Network Veterinarian - You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $22.00 - $90.00 depending on species, location, plan, etc

 

Additional Info
My Review Companion Protect Review
What are Customers Saying? Google Reviews

Check with your state's Department of Insurance to see if any complaints have been filed for this company
Better Business Bureau bbb.org
Additional Info This company has an In-Network/Out-Of-Network structure.

*The information in the above charts applies to Companion Protect's pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Companion Protect for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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