Compare Ringo / Companion Protect Pet Insurance

Comparison Fact Sheet
Updated 02/01/2026

To get the most from these sheets, please read the Guide to Pet Insurance first.

***PLEASE NOTE***
Companion Protect has re-branded into two areas:

Ringo Pet Insurance:
Closed to direct enrollment; Primarily used for
1) Transitioning old Companion Protect policyholders and
2) As policies offered through an employer's HR benefit.

Partner Brands:
Progressive, Liberty Mutual, CSAA and Safeco.
They administer policies for these brands.

Information on Companion Protect's policy coverage for their branding is light.
Make sure you acquire, read and fully understand their policy's terms and conditions before purchasing.



Company Info
Company Name Companion Protect - See note above for re-branding details
Also Known As / Affiliates / Partners Ringo, Progressive, Liberty Mutual, CSAA and Safeco
Address ?
Phone ?
Website ?
Plans That Provide Full Accident and Illness Coverage ?
States Covered ?
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Old Republic Insurance Company which has an AM Best Financial Strength Rating of "A+" and an Outlook of "Stable" as of 2/1/2026.

For the most recent ratings go to: AM Best
Year Company Started 2015

 

Policy Basics
Policy Term ?
Effective Date ?
Enrollment Age ?
Cancellation Policy ?
Waiting Period ?
Waiting Period for Cruciate Injury ?
Coverage When Travel Out of State or Country? ?
Can the Price of the Policy Increase as my Pet Ages? ?
Does Coverage Stop Due to Age? ?
What Happens when the Policy Renews? ?
Can the Price of the Policy Increase if a Claim is Filed? ?
Choice of Vet? ?
Money Back Guarantee? ?
Surcharge for Visiting a Specialist or Emergency Clinic? ?
Referral needed to Visit a Specialist? ?
Pre-certification Required? ?
Additional Requirements ?
Pet Insurance Policy Available for Pre-Purchase Review? ?

 

What's Covered
Species Covered ?
Accident/Injury -
Baseline Coverage		 ?
Illness -
Baseline Coverage		 ?
Behavioral Therapy Coverage ?
Alternative Therapy Coverage ?
Pre-existing Conditions Policy ?
Hereditary & Congenital Conditions Coverage ?
Continual Coverage for Chronic Conditions ?
Chronic Conditions Policy ?
Cancer Coverage ?
Cancer Coverage Limits ?
Hip Dysplasia ?
Prescription Drug Coverage ?
Pregnancy Coverage ?
Routine/Wellness Coverage ?
Vaccinations ?
Spay/Neuter ?
Dental Care (Routine) ?
Dental Care (Illness/Accident) ?
Bilateral Conditions Policy ?
Coverage - Overview
(please read policy for full coverage details)		 ?
What's not Covered - Overview
(partial listing, please read policy for full details)		 ?

 

How The Policy Works
Reimbursement ?
Deductible ?
Flat Deductible vs % Deductible ?
Deductible Per Incident vs Annual Deductible ?
How is Reimbursement Determined ?
Max Payout Annually ?
Max Lifetime Payout ?
Max Payout per Incident ?
Max Payout Based on the orthopedic Body System ?
Client Reimbursed or Vet Paid Directly ?

 

Pricing
Approximate Monthly Costs ?

 

Additional Info
My Review  
What are Customers Saying? Check with your state's Department of Insurance to see if any complaints have been filed for this company
Better Business Bureau  
Additional Info  

*The information in the above charts applies to Companion Protect's pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Companion Protect for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

**Copyright: You are more than welcome to link to this website, in fact, it is greatly appreciated. However, a lot of time, energy and effort went into the production of this material so please do not copy and paste the contents of this chart/website into your website or written material.

If you use data from this website as a research point for your own website or written material, you must cite Pet-Insurance-University.com as the source.

All names, logos and trademarks in this site are the property of their respective owner(s).

↑ Top