The company offers up to a 15% multi-pet discount. Or you have to pay attention to traffic. They have never given me or my vet a hard time about paying my claims. The provider has a high upper age limit. Many leading providers cap their coverage at 15 years old. I would highly recommend this insurance to anyone looking for insurance for their animal. Kara O. We were quoted $45 for male, 4-year-old dogs. Heres how it stacks up: Companion Protect offers several unique features such as wellness exam coverage, a low $100 deductible and not factoring pet breed into your monthly premium. Products and discounts not available to all persons in all states. com. *Note: As of January 2023, Companion is not accepting new customers. Health insurance for pets helps you cover the vet bills when your cat or dog gets hurt or sick. The Guides Home Team has researched more than 20 pet insurance providers and compared hundreds of quotes to give pet owners a comprehensive view of the industrys. Password. Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. Companion Protects website doesnt state the exact discount amount. A deductible and copay are applied to claims. See policy documents for a complete list of exclusions. Do Not Sell or Share My Personal Information (CA residents only). Companion Protects policies are underwritten by Liberty Insurance Underwriters, Inc., which has an A rating from AM Best and an A+ rating from BBB**. Copyright 2023 MarketWatch, Inc. All rights reserved. A 14-day waiting period applies, starting from the time your application is approved and we receive payment. However, to get the most out of their benefits, youd want to go with one of their in-network vets. What are the limitations on coverage and medical costs? A lot of pet insurance companies have come and gone. Finally, the company has a lifetime payout limit of $100,000 ($20,000 in Illinois) that you can use for the duration of your pets life. The most affordable plans only cover care for accidents, so most customers choose a comprehensive plan that covers treatment for accidents and illnesses. For a copy of the Companion Protect privacy policy, visit http://companionprotect.com. Get coverage for your pet's accidents & injuries, Stay up to date with your pet's health checks. Additionally, it offers coverage for curable pre-existing conditions once healed or cured. Prices vary based on the age, breed, and location of your dog or cat. For a copy of the Companion Protect privacy policy, visit companionprotect. Get Pricing. Ready? Included in this methodology are the following six factors with their respective scoring weights: Our researchers keep all data in each companys score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost. You shouldn't have to think about the cost when your pet requires medical attention. PAA and the rest of Progressive are not responsible for insurer or coverage selections, policies issued, claims, the content or operation of this website, or how Pets Best and the insurers handle or use your information. * Companion Protect is available in all 50 states. Look elsewhere. (In Illinois, coverage is limited to $20,000 per year.) While the company doesnt have a Better Business Bureau (BBB) page or rating, there are Google Reviews. Companion Protect offers one comprehensive accident-and-illness plan covering accidents, illnesses and holistic pet care. situations covered. It loses points in our review for lack of customization, comparatively high premiums, use of vet networks, and exclusivity for shelter-adopted pets. . The best pet insurance should cover cured pre-existing conditions, and be affordable and extensive. Pets Best offers three types of pet health plans, each with different coverages: accidents only, accidents and illnesses, and routine care. Copyright 2023 This Old House Ventures, LLC. However, they handle them a bit differently than most providers. We accept all veterinarians. We scored Companion Protect. conditions as elbow and hip dysplasia, Cherry Eye, thyroid I often joke that my pets have better health insurance than I do. PAA receives compensation from Pets Best that may vary based on the policy you buy. We recommend discussing the cancellation policy with a Companion Protect representative at signup, so youll know how to cancel should the time come. Before your pet insurance policy becomes active, Companion Protect will reach out to your veterinarian (with permission) to discuss your pets medical records, and any preexisting conditions will be documented in your coverage contract. However, some treatments require pre-approval, while others, like intervertebral disc disease, can take up to 12 months before your pet is covered. Diagnostic tests, surgeries, hospital stays, or even holistic You can get a quote for your pet by using the providers online quote tool. Finally, the insurer has some exclusions, such as spay and neutering surgeries, that other companies include within pet wellness plans. Is there a waiting period after I sign up? treatment of a covered condition are some of the medical Nationwide offers annual deductible options as low as $100 on some plans. She has a breadth of knowledge spanning the home, travel, music and health industries, and she is a proud New Hampshire homeowner. Read our review of its prices, coverage, and plan options. pet insurance provider with no waiting period, Dental treatment for injuries resulting from accidents, Alternative and holistic therapies (chiropractic, acupuncture, herbal, hydrotherapy, homeopathy, etc. Companion Protect is $45 per month for dogs and $23 per month for cats, based on sample quotes we obtained for a home in Raleigh, North Carolina. Your cost for pet insurance also depends on which types of coverage you want and, for BestBenefit plans, the reimbursement level you select during enrollment. You can get this fixed-price coverage by adding it on to your BestBenefit plan. If your claim is approved, you will be reimbursed within 30 days, although the average time for reimbursement is between three and five business days. Companies with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies. Some insurance companies pay to use the names of well-known organizations. If you are referred to a specialist or visit an emergency hospital, you will still see reimbursement for a percentage of all eligible costs. Disclosure5% discount applies to BestBenefit plans; discount not available in AK, FL, HI, or TN. While the provider does have a few unique beneficial features, we deducted points in the following areas: The company claims to have best-in-show customer service. Prices vary based on how you buy. We used Companion Protects online quote tool to determine sample monthly premiums for dogs and cats. State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites referenced in this material. While Companion Protect has a unique spin on its pet insurance offering, it didnt make it into our top three picks for best pet insurance providers. This company had so much amazing potential. Connie D. We compared Companion Protect pet insurance against other top competitors in the industry. Unlike all other pet insurance providers weve reviewed, Companion Protect has no waiting periods in its policies, so you have coverage for your pet as soon as your policy is active. If you use the services of a veterinarian that is not part of the Vetwork Network, you will need to pay up-front and then submit a claim with Companion Protect. When visiting a Vetwork Partner for your approved claim, your out-of-pocket expenses are only the $50 deductible and 10% copay; the rest of the vet bill will be submitted to the insurer for reimbursement. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article. In that case, you will pay a $100 deductible and 20% co-pay to receive 80% reimbursement. Unlimited claims payouts. Explore all pet insurance advice and resources to find easy answers. These quotes are based on a Raleigh, North Carolina address. Your pet gets great coverage, with a single, high-quality and no-nonsense coverage plan3. If your dog or cat hasnt had a physical exam within 12 months prior to your application, the insurer might reject your application until you obtain such an examination. Companion Protect has no affiliation with Companion Life . Other pet insurance companies like Embrace have an annual deductible that only needs to be met once a year, regardless of how many claims are filed. However, this age bracket is quite relaxed as it is very rare for a dog or cat to reach the age of 25. Here are more details about each factor and how theyre weighted: We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. New insurance opportunities will be available soon. We value your privacy. 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! For example, pet cancer has an average cost of over $3,100 per year.**. Common Covered Injuries and Illnesses Cancer Treatments Respiratory Issues Kidney disease Hip dysplasia And more! view my claim. Companion Protect Pet Insurance offers one comprehensive but straightforward plan with Accident & Illness coverage. Doesnt factor in breed when calculating cost I would give more stars but they were bought out by Petco and changed my policy (this was within a few months of me signing up) and I havent had a claim since they switched so I havent had to work with them. Companion Protect is a licensed insurance agency; in California, it is known as "CP Pet Insurance Services, LLC" (CA license #0N14138). To access this page, you have to log in to My CP. Protect my dog. Take care of your bow-wows and meows with high-quality pet medical insurance, From Hounds and Huskies to Poodles and puppies, Trupanions got coverage for your beloved canine. The provider imposes that policyholders should pay the deductible every time they require treatment or procedure for their pet. Visit any licensed veterinarian in the United States or anywhere else in the world. Pet Insurance | Companion Protect is the Best Pet Insurance in the US Adopted by you. "Companion Protect" is a licensed insurance agency known nationwide (except in CA) as "Companion Protect Agency, LLC" (Iowa license #1002314428); in California, it is known as "CP Pet Insurance Services, LLC" (CA license #0N14138). Prices vary based on how you buy.. Disclosure Discount varies and is not available in all states or situations.. Progressive Advantage Agency, Inc. (PAA) refers consumers to Pets Best Insurance Services LLC (Pets Best), which offers and administers pet insurance coverage underwritten by American Pet Insurance Company, a New . Not sure about what you might need or how pet insurance works, reach out to an agent near you. Companion Protect is a pet health insurance company founded in 2015 and currently located in Overland Park, Kansas. conditions as elbow and hip dysplasia, Cherry Eye, thyroid Can I cancel my policy before the term is up? These quotes are based on a Raleigh, North Carolina address. We offer insurance by phone, online and through independent agents. My CP Customer Secure Login Page. what pet insurance covers and doesn't cover, Explore all pet insurance advice and resources, Do Not Sell or Share My Personal Information (CA Residents Only). Talk to your State Farm agent about Trupanion pet medical insurance today. That could take a bite out of your wallet. All of them cover the following items when deemed medically necessary: x-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, specialized exams, surgery, hospitalization, emergency care, specialty care, hydrotherapy, chronic conditions, cancer, diagnostic treatment, alternative/holistic therapy, and euthanasia. Up to 90% back on vet bills. The reimbursement rate is the percentage of each vet bill that the provider reimburses. Companion Protect Pet Insurance offers one comprehensive but straightforward plan with Accident & Illness coverage. Customers can combine discounts for a maximum of 15% off the premium price. Catch what's new from Progressive online, on TV, and on the road. Username. You'll be reimbursed a certain percentage based on your specific policy for all covered claims. Its plans are underwritten by Liberty Insurance Underwriters, Inc.,. ! Lori C. Ive been trying to get pre-approved for the claim for multiple months and on the day of the surgery they tell me they can not provide coverage. Get Your Quote Vet bills are ruff. It is located at 10950 El Monte, Ste. . Companion Protect stands out from other providers for its lack of waiting periods meaning your pets coverage begins immediately upon enrollment. Here are your options for filing a claim: After submitting a claim, inquiries should be directed to Trupanion at 855-518-1410855-518-1410 or through the online member portal. Absolutely. There is a six-month waiting period before coverage begins for the annual checkup. Items such as grooming, tax, waste disposal, boarding, or pre-existing conditions are not eligible for coverage. Companion Protect is a licensed insurance agency; in California, it is known as "CP Pet Insurance Services, LLC" (CA license #0N14138). How much each company charges for its pet insurance plans is an important part of a customers decision. Raise your hand if your dog or cat follows you into the bathroom, helps you cook and fold laundry or nibbles on houseplants. It encourages prospective customers to call one of its Animal Care Advocates (800-304-9930) for more information. A service or payment fee may also apply if premium is paid by credit/debit card. We even have a 100% money-back guarantee if you cancel within 10 days* of when your policy went into effect and we havent reimbursed you for any claims in that time. When we reached out, the company was unable to give us a timeframe for when it would start accepting new customers again. Customers can use any licensed veterinarian in the US, regardless of whether it is an in-network or out-of-network vet, although using Vetwork Partners comes with some great benefits. In fact, it's one of the few pet insurance providers to offer an accident-only plan, which can be a useful option for those wanting a true emergency-only option at a lower price. The monthly cost for male, 4-year-old cats was $23. We scored each provider on a 100-point scale based on those elements. They may need hospitalization, testing and surgery. 2023 Pawlicy Advisor Inc, All Rights Reserved. Terms and conditions apply. situations covered. Get coverage for your pup's health bills. Companion Protect pet insurance is designed specifically for shelter and rescue animals, and offers a pet insurance plan that's different from other providers. Companion Protect is $45 per month for dogs and $23 per month for cats, based on sample quotes we obtained for a home in Raleigh, North Carolina. A service or payment fee may also apply if premium is paid by credit/debit card. No matter which pet insurer you choose, carefully read the coverage details and exclusions before enrolling. Your Progressive Pet Insurance plan gives you access to Pets Best's 24/7 Pet Helpline, connecting you with veterinary experts who can answer all your pet parenting questions, like, "Should I worry if Spike ate an entire roll of paper towels?". (All Times Central). Price, coverage, and coverage terms and conditions may vary between insurers. There is a lifetime coverage benefit of $100,000. Your coverage will not be reduced if you take your pet in for emergency care or see a specialist. Only accepts claims for in-network vets. With an in-network setup and some requirements you don't see from other providers, does Companion Protect stand above or fall short compared to such stiff competition in the pet insurance industry? The veterinary exam fee is your responsibility, so if you are charged a specialist fee or emergency fee, this is regarded as the same. Our content is for educational purposes only. Here are some frequently asked questions about insuring cats and dogs: Pet insurance is an insurance policy that can reimburse you for a portion of your pet's eligible vet bills. , waste disposal, boarding, or TN grooming, tax, disposal... $ 23 or my vet a hard time about paying my claims treatment accidents! In to my CP Companion Protects website doesnt state the exact discount amount advice and resources find. Overland Park, Kansas when your cat or dog gets hurt or sick at 10950 Monte. Google Reviews should pay the deductible every time they require treatment or procedure their. 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And illnesses Protect representative at signup, so youll know how to cancel should time! Fixed-Price coverage by adding it on to your BestBenefit plan plan options companion protect pet insurance relaxed as it is rare. The coverage details and exclusions before enrolling for a maximum of 15 % off the price! Time about paying my claims waste disposal, boarding, or TN this page, you have to about..., there are Google Reviews with one of their benefits, youd want go! Some plans which pet insurer you choose, carefully read the coverage details and exclusions enrolling! Some plans insurance plans is an important part of a covered condition are some of medical... For dogs and cats vet a hard time about paying my claims will not be reduced you... Determine sample monthly premiums for dogs and cats 2023, Companion is not accepting new customers have Better insurance! A six-month waiting period before coverage begins for the annual checkup to go with one of its prices, is! 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