Got Questions?

The cat doesn’t have our tongue.

Pet insurance is confusing. At Companion Protect, we’re committed to keeping it simple — and being completely transparent with our current and future customers. No matter what questions you have, we’re here to answer them — no ifs, ands, or Corgi butts about it.

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. 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. (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 the 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 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 up to 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!

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 $100 deductible and 10% copay. Companion Protect pays the vet directly for the balance due! That means for a $2,000 emergency you pay only $300 out of pocket!
  • Additionally, Vetwork Partners provide enrolled pets with a covered annual wellness exam (and two covered exams per year when your pet reaches the age of seven)!

We’re rapidly adding new Vetwork Partners across the country.

Check out our current partners!

(Don’t see a partner in your area? You can visit any licensed vet any time and enjoy up to 90% coverage for approved claims!)

We know that pet parents like you have preferences when it comes to the veterinary provider for your furry family member. That’s why Companion Protect coverage works at any licensed veterinary hospital in the country.

Visit your vet — regardless of whether or not he is part of the Vetwork! You’ll still enjoy up to 90% coverage for covered accidents, injuries, and illnesses.

The only real differences when you visit an out-of-Vetwork location?

  • You pay for services in their entirety at the vet hospital and file a claim directly with Companion Protect. Once you file your claim, you will receive reimbursement for the 90% coverage (less the $100 deductible), typically within 3-5 business days. This includes a covered wellness exam (deductible does not apply).

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.

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

Ready to get started? Getting a no-obligation quote is easy!

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.