Companion Defend Pet Insurance coverage Evaluation 2022


Lined RemedySickness/Damage Plan 
Digital vet go to
Examination charges ✓ 
Wellness examination charges ✓ 
Bilateral circumstances ✓ (in some circumstances)
Genetic circumstances ✓ 
Diagnostics ✓ 
Heartworm/parasite assessments ✓ 
Surgical procedure ✓ 
Rehabilitation/various care ✓ 
Prescription medicine ✓ 
Prescription diets/dietary supplements ✓ (in some circumstances)
Behavioral issues ✓ 
Non-routine dental ✓ 

Out there Riders/Add-Ons

Companion Defend takes an easy method to pet insurance coverage, with just one plan and no extra choices like wellness protection.

Wellness and preventive protection generally is a main expense. The Companion Defend plan won’t cowl most of those prices.

Ready Durations

This plan is exclusive for the pet medical health insurance trade in that there are not any ready intervals for protection of most companies, with the small exception of wellness exams, which have a six-month ready interval. Protection is lively upon enrollment for all accidents and diseases.

Cancellation Coverage 

To cancel your protection, you possibly can contact the corporate at (800) 304-9930 or present written discover. When you cancel, any paid premiums will probably be refunded on a pro-rata foundation.

Plan Exclusions

There are conditions the Companion Defend plan won’t cowl, together with:

  • Therapies deemed not medically essential
  • Pre-existing circumstances
  • Dental sickness and care not regarding accidents
  • Wellness care
  • Flea, tick, and heartworm medicine
  • Spondylosis
  • Any points associated to breeding, coaching, or proprietor neglect
  • Sport or work accidents

Pre-Present Situations

Companion Defend, like all pet medical health insurance corporations, doesn’t cowl pre-existing circumstances. Upon enrollment, the corporate will evaluate your pet’s medical historical past to find out whether or not any pre-existing situation exclusions apply.

A situation could also be thought of “cured” and now not pre-existing if there are not any signs for a complete of 12 months; contact the corporate for particulars on how pre-existing circumstances could also be handled.

Plan Pricing

Companion Defend pays in-network vets straight, however protection with different vets makes use of the usual reimbursement mannequin: you pay the vet, and Companion Defend pays you again later.

The corporate’s accident and sickness plan is pretty complete, with 90% reimbursement for accepted medical remedies (with 50% protection for prescription meals if essential to deal with an authorized sickness). 

The Companion Defend plan features a $100 deductible per incident that should be paid by the pet’s proprietor. There isn’t a annual restrict to the protection, however there may be a $100,000 lifetime restrict for every pet.

Companion Defend provides quite a lot of reductions, together with:

  • Multi-pet
  • Army (lively and retired)
  • Animal welfare (animal shelter and rescue staff, fosters, and volunteers, and veterinary hospital staff)

Premiums might be obtained from the corporate with the Get a Quote software on the web site. Take into account that premium prices can differ vastly as a result of the species, breed, and age of your pet, together with the place you reside.

Companion Defend pays in-network vets straight and the deductible is on a per-incident foundation—these might be good options since you’ll know essentially the most you’ll need to pay upfront for a visit to an in-network vet is $100. Evaluate that to the reimbursement mannequin, the place you will have to pay a prohibitively great amount on the vet to even obtain companies.


When you use an in-network veterinarian, Companion Defend pays the vet straight, minus 10% and the $100 deductible. When you use an out-of-network supplier, you have to to file a declare for reimbursement and pay upfront.

To file a declare, you possibly can submit the required info:

  • On-line on the corporate’s claims web page
  • By calling (800) 304-9930

Buyer Service

If in want of customer support, shoppers can use the dwell chat function on the web site or name Companion Defend at (800) 304-9930: 

  • Monday via Friday: 8 a.m. to eight p.m. CT
  • Saturdays: 9 a.m. to six p.m. CT

The corporate could also be reached by way of e mail at

Third-Social gathering Rankings

Companion Defend pet insurance coverage is underwritten by Liberty Insurance coverage Underwriters, Inc., which has sturdy rankings from AM Greatest, an unbiased insurance coverage score firm. AM Greatest gave Liberty Insurance coverage an A (Glorious) score in 2021, with a “secure” credit score outlook. 

In our survey of 408 pet homeowners, most responses relating to Companion Watch had been optimistic, however one buyer wished there was an choice to pay all vets straight. One other buyer mentioned the protection gave them “peace of thoughts” understanding their pet was protected.

Various Decisions

Pet medical health insurance presents you with many decisions, and the state of affairs might be complicated. We advocate first evaluating your pet’s and your loved ones’s wants. There may be numerous variation between plans and the remedies and circumstances they cowl, and there are sometimes many exclusions to the protection.

If contemplating Companion Defend, you can even wish to inquire together with your present veterinarian to see in the event that they are in-network with the corporate. Many customers love the benefit of direct fee and never being required to pay upfront.

A few of crucial issues to know earlier than shopping for pet insurance coverage are:

  • Which circumstances are coated and which aren’t
  • Deductible and reimbursement quantities
  • Annual and lifelong protection limits


 Companion Defend24PetWatch Prudent 
Annual Deductible Choices$100$100, $250, $500, $1,000$100, $250, $500, $1,000
Reimbursement Proportion 90% 80% 70%, 80%, 90% 
Common Declare Turnaround Time 4–6 days 16–18 days 3–30 days 
Sickness Ready Interval No ready interval 14–30 days 14 days 
Damage Ready Interval No ready interval 0 days 5 days 
Examination Protection Sure Sure Add-On 
Dental Sickness Protection No No Sure 
Max Enrollment Age Restrict 24 years 11 months 10 years None 

Closing Verdict

All in all, Companion Defend is probably the greatest decisions for pet insurance coverage masking solely accidents and diseases—however solely in case you adopted a pet from an eligible shelter. It has a plan that’s simple to know with a excessive reimbursement degree. In case your veterinarian is in the corporate’s community, not having to pay medical payments upfront is a large plus.

Nonetheless, in case you’re in search of protection to assist pay for preventative and wellness care, you’ll must look elsewhere or buy a further coverage from one other supplier.

Our Methodology: How We Evaluation Pet Insurance coverage Carriers

Investopedia is devoted to offering customers with unbiased, complete evaluations of pet insurance firms. We rated 25 suppliers and picked up over 2,000 knowledge factors, together with details about plan choices, firm options, and costs and limits, to be certain that our evaluations assist customers make knowledgeable selections for his or her pet insurance coverage wants.

Our full pet insurance coverage methodology, together with our knowledge assortment course of and weighted knowledge factors, is out there for evaluate.

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