Got questions?

We got answers.

At Companion Protect, we’re committed to keeping pet insurance simple — and to be completely transparent with our current and future customers. No matter what questions you have, we’re here to answer them. Check out our Frequently Asked Questions below or use the chat widget to speak with a licensed Animal Care Advocate.

Check out our Frequently Asked Questions below. Can’t find the answer to your question? Click the chat widget to speak with one of our licensed Animal Care Advocates.

Frequently Asked Questions

Enrolling your furry family member in Companion Protect is easy!

1. Ensure your pet qualifies.
Companion Protect is available to pet parents who recently adopted a dog or cat from one of our participating Shelter Partners.

2. Get a quote.
Your Companion Protect monthly premium is based on three simple factors: species (dog or cat), your zip code, and your pet’s age.

3. Submit an online application.
Provide a few details, including the best way to contact you, details about your pet, and the shelter you recently adopted from.

4. 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 annual 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 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 90% coverage for unexpected accidents, injuries and illness. Including 90% coverage for prescription medications and 50% coverage for prescription food!

Common Covered Injuries and Illness

  • Cancer treatments
  • Respiratory issues
  • Kidney disease
  • Hip dysplasia
  • And more!

Common Covered Accidents

  • Hit by car
  • Bites from other animals
  • Foreign body ingestion
  • Mouth or tooth injuries
  • And more!

Holistic and Alternative Care

  • Acupuncture
  • Chiropractic
  • Herbal therapy
  • Naturopathy
  • Homeopathy

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

You can visit any licensed veterinarian and we’ll make filing a claim fast and easy! 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 the veterinarian, you’ll pay for services at that time and submit a claim for quick reimbursement, typically within 3-5 days of claim approval. Your reimbursement will be the amount of your approved claim less the $100 deductible and 10% copay.

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

Companion Protect is available to pet parents who recently adopted a dog or cat from one of our participating shelters. 

Contact us via the chat widget, call us at 800-304-9930 or reach out to your pet’s shelter to see if they have partnered with Companion Protect. 

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. When identified, we inform you of these exclusions up front — at the time of enrollment, in your welcome kit, and within your coverage policy — so 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 up to a 15% discount off monthly premiums to our eligible customers, including:

  • Multi-pet: Enjoy discounts on your premiums when you enroll more than one furry friend!
  • Military: In appreciation for your service, active and retired military personnel qualify for a discount off the monthly premium.
  • Animal Welfare: Animal shelter and rescue employees, fosters, and volunteers, and veterinary hospital employees qualify for monthly 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 past due payment issues. 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 24 days after enrollment. Following that, monthly charges will be processed every 30 days.

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.

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. We hate to see you go!

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

If you’re an insurance provider, benefits provider, affinity group, or retailer interested in a custom pet insurance program for your business, please visit us at

If you’re a shelter interested in making Companion Protect pet insurance available to your adopters, please visit us here

Have a different question? Let’s chat!

Start a chat with a licensed Animal Care Advocate at the bottom of the page.

No age or breed discrimination.

Enroll any pet. Any age. Any breed. Any time.

Click here for a quote.