Frequently Asked Questions

Enrolling your furry family member in Companion Protect is easy!

1. Get a quote.

Companion Protect monthly premiums are based on three simple factors: species (dog or cat), your zip code, and your pet’s age. (And don’t worry! Unlike typical pet insurance companies, our rates never increase due to your pet aging!)

2. Submit an online application.

Provide a few details, including best way to contact you, details about your pet, and your veterinarian’s information.

3. Provide recent medical records. 

Companion Protect will request your pet’s medical records from your veterinarian (with your consent, of course!) to process your enrollment and determine if pre-existing condition exclusions apply. We value complete transparency with our customers and never want you to be surprised when it’s time to use your coverage. That’s why we notify you during the enrollment process if any pre-existing conditions will be excluded from your policy. You can rest easy knowing what is covered, up front.

If your pet hasn’t been to the vet within the past 12 months, an enrollment visit may be required to kick start coverage. Don’t worry, it will be fast and easy and will set your pet up for the best health and happiness they can handle!

Once we review your pet's medical records, the process is quick! Within just a few days, we complete your enrollment and begin coverage with no waiting periods! That means you can rest easy knowing your four-legged family member is protected from unexpected accidents, injuries, illnesses and more!

Watch for your welcome kit, including the policy and your pet’s insurance card in the mail within 3 to 5 business days of enrollment!

Companion Protect offers pet parents a comprehensive healthcare plan, with 80% coverage for unexpected accidents, injuries and illness. Including 90% coverage for prescription medications and 50% coverage for prescription food!

Ready to start protecting your pet? Get a quote and enroll now!

Companion Protect’s Vetwork is a network of preferred veterinary hospitals that provide pets enrolled in Companion Protect with big benefits. Just think of our Vetwork partners like an in-network provider for human healthcare!

By visiting a Vetwork location, you enjoy lower deductibles and direct-to-vet payment for covered services. And that means more time and money saved! 

Vetwork Partner Benefits:

• Vetwork Partners file claims on your behalf, so there’s no additional work for you!
• Your deductible drops to only $50 when you visit a Vetwork Partner.
• When visiting a Vetwork Partner for your approved claim, your out-of-pocket expenses are only the $50 deductible and 10% copay. Companion Protect pays the vet directly for the balance due! That means for a $2,000 emergency you pay only $250 out of pocket!

Additionally, Vetwork Partners provide enrolled pets with a free annual wellness exam (and two free exams per year when your pet reaches the age of seven)! 

We’re rapidly adding new Vetwork Partners across the country. Check for a location near you on our Vetwork page.

The easiest way to file a claim is by visiting a Vetwork Partner. In fact, Vetwork Partners file claims for you — and you’ll only have to pay the 10% copay and $50 deductible at the time of service!

If you choose to visit a licensed veterinarian outside the Companion Protect Vetwork, filing a claim is easy, too! Just visit our Claims page to file online, or call us at 800-304-9930 to submit your claim over the phone.

When you visit an out-of-Vetwork veterinarian, you’ll pay the bill at the time of service and submit a claim for quick reimbursement, typically within 3-5 days of claim approval. The deductible for out-of-Vetwork veterinarians is $100, with the same 20% co-pay.

Some conditions require claim pre-approval! Visit our Claims Process page for more information.

While no pet insurance company covers pre-existing conditions, Companion Protect values complete transparency with our customers.

Once we receive your enrollment application, we review your pet’s medical history to determine whether any pre-existing condition exclusions apply. And we inform you of these exclusions up front — both at the time of enrollment, and in your welcome kit and policy — so that you always know what to expect when it’s time to use your coverage.

Our Animal Care Advocates are happy to answer any questions you have regarding pre-existing conditions. Contact us at 800-304-9930!

Companion Protect is proud to offer a variety of discounts to our customers, including:

• Multi-pet: Enjoy discounts on your premiums when you enroll more than one furry friend!
• Military: In appreciation for their service, active and retired military qualify for discounts on their premium.
• Animal Welfare: Animal shelter and rescue employees, fosters, and volunteers, and veterinary hospital employees qualify for discounts as our thanks for their dedication to helping pets in need.

To learn more about discounts or apply them to your policy, contact an Animal Care Advocate at 800-304-9930.

*Discount programs not available in all areas. Contact Companion Protect for more information.

We want to make sure you always have the coverage you need for your pet, and that claims are never denied due to non-payment. That’s why Companion Protect charges your monthly premium automatically via debit or credit card.

You’ll be charged for your first month at the time your application is approved. We’ll process your second month’s charge 25 days after enrollment. Following that, chargest will be processed monthly.

This payment structure creates a credit on your account to allow time to update payment in the event we are unable to process payment on your bill cycle date.

Is there a bill cycle date that works best for you? You can select your bill date when you apply!

Need to change your bill cycle date? Contact an Animal Care Advocate at 800-304-9930!

Yes! Contact us at 800-304-9930 to adjust your billing cycle to the date that works best for you.

Contact an Animal Care Advocate at 800-304-9930. We can update your payment method or adjust your recurring bill cycle date.

Companion Protect is committed to helping enhance and extend the lives of cats and dogs, just like yours. So we hate to see you go!

For more information or to cancel, please contact an Animal Care Advocate at 800-304-9930