Underwritten by Aspen American Insurance Company, Companion Protect Pet Insurance Company is a well-liked pet insurance coverage firm that provides reasonably priced pet insurance coverage with in depth protection. They supply a flat charge for pet insurance coverage that stays in pressure for the entire canine’s life and, in contrast to some pet insurance coverage firms, doesn’t enhance because the canine will get older.
There are many the reason why pet house owners select Companion Protect Pet Insurance, together with its thorough protection, low deductibles, low co-pays and glorious dealing with of pre-existing circumstances.
Coverage
When pet house owners try to buy pet insurance coverage, it may be complicated at instances. They need one thing easy that doesn’t require days of evaluating and researching. Companion Protect gives a easy course of as a result of it doesn’t supply varied completely different insurance policies with every another difficult than the one earlier than. Companion Protect gives one complete plan that gives protection for the most typical companies, together with accidents, diseases, prescription medicines, different therapies and comparable vet companies.
Here are a couple of of the issues Companion Protect covers underneath diseases.
Here are some examples of issues lined underneath the accident portion.
- Stitches
- Being hit by automotive
- Tooth and mouth accidents
- Insect stings and bites
- Eye scratches
- Bites from different animals
- Swallowing international objects
A Companion Protect coverage additionally gives protection for different care, resembling natural remedy, homeopathy, acupuncture, naturopathy and chiropractic. The premiums for many pet insurance coverage insurance policies are based mostly on a number of components, together with the kind of animal, breed of animal, intercourse, age and placement. Companion Protect doesn’t discriminate towards sure breeds or sure age. A coverage for a three-year-old canine requires a month-to-month premium of about $44.99. A coverage for a three-year-old cat requires a premium of about $22.99. Get a quote based mostly in your space and breed to find out what your month-to-month charge will probably be.
Limits
Regardless of how complete a pet insurance coverage firm could also be, there are nonetheless some vet companies that aren’t lined underneath the pet insurance coverage coverage. Companion Protect is not any exception to this rule. Here are some limitations of what Companion Protect might not cowl.
- Flea, heartworm, tick and comparable parasite management medicines
- Vaccinations
- Spaying or neutering
- Dental care not attributable to an accident
- Declawing or dew claw elimination
- House calls
- Boarding
- Elective euthanasia not beneficial by vet
- Obedience coaching
- Bathing or grooming
- Cloned pets
- Repeat accidents or diseases coming from the identical trigger
- Eating issues
- Vitamins or dietary dietary supplements
Deductibles
Many pet insurance coverage firms supply varied deductible quantities. Deductibles are the quantity the proprietor should pay earlier than the insurance coverage can pay on the declare. They additionally supply varied reimbursement quantities. Once once more, Companion Protect makes issues easy. They pay 90 p.c of all lined companies and require pet house owners to pay a $50 deductible for every incidence.
For occasion, you deliver your canine into the vet for a lined sickness. If the entire invoice is $2,000, your portion of the invoice is $195. This relies on $2,000 – $50 deductible equals $1,950. With a 90 p.c reimbursement charge, you’d be required to pay 10 p.c of $1,950, which equals $195.
Claims
Filing a declare with Companion Protect could be very easy and straightforward. You pay the invoice and submit it to the insurance coverage firm. The declare is often paid inside a day or two. The course of goes in a short time when you’re going by the Vetwork Network, which is a community of veterinary service suppliers. There are varied Vetwork companions all through the United States. You’ll typically get discounted companies while you select a veterinarian within the community.
Another advantage of being a part of the Vetwork Network is that Companion Protect pet house owners are assured they will present their pets with veterinary care when it’s wanted. This is as a result of they provide Vet Direct Pay. Vet direct pay is an settlement between the vet and Companion Protect that states that the vet can pay on the declare and pay almost instantly.
When you deliver your pet in for veterinary companies, the vet presents you with the invoice upon companies. You pay your $50 deductible and the co-pay, and the rest of the invoice is submitted to the insurance coverage firm for immediate fee. If you’ve visited a vet that’s not a part of the Vetwork Network, you may nonetheless file your declare over the cellphone, however you’ll should pay a $100 deductible and a co-pay of $100 per declare.
Pre-approval could also be required for sure vet companies. These may embody:
- Surgical procedures
- Tissue or organ transplants
- Vet specialist charges
- Hip dysplasia therapy
- Covered companies costing greater than $2,500
Vetwork Partners additionally present pets with one free wellness examination per 12 months in the event that they there underneath seven years old and two free wellness exams per 12 months if they’re seven years older or older. They additionally file the declare on behalf of the pet proprietor, so the pet proprietor doesn’t should cope with the effort.