Progressive Pet Insurance Review

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Progressive Pet Insurance

 Progressive Pet Insurance

overall rating
3.9

Progressive offers every type of mainstream pet insurance for lower prices than most competitors. This is one of the better values you’ll find for veterinary coverage.

Learn More: See who made our list for the best pet insurance plans.

  • Pros & Cons
  • Key Takeaways
  • Key Facts
Pros & Cons
Pros
  • Plans start at just $6 per month

  • Flexible policy options

  • Offers direct vet payments

  • Multiple ways to save

  • Flat-rate pricing on some plans

Cons
  • Sparse website

  • Fewer choices for annual limits

  • Doesn’t cover cremation or burial

Key Takeaways
  • Progressive works with pet insurer Pets Best to offer coverage for veterinary care.
  • Accident-only, accident and illness, and wellness plans are all available.
  • Policy premiums are generally cheaper than most competitors.
  • Many plans are priced at a flat rate for pets of all ages.
Key Facts
  • Year Founded 1937
  • Waiting Period Three to 14 days
  • Deductible $50 to $1,000
  • Customer Service Forms Phone, chat
  • Customer Service Telephone (877) 298-0639
  • Company Website www.progressive.com/pet-insurance

Progressive pet policies are made available through Pets Best, a highly rated pet insurance company and a pioneer in providing coverage for household cats and dogs since 2005. A diverse range of plans can be purchased at surprisingly low prices, with the majority starting below $10 per month for younger animals. The additional services offered by Pets Best only serve to increase value for enrolled pet parents.

Company Overview

Progressive was started in 1937 by two lawyers from Ohio who saw a need for more affordable auto insurance. Over the course of several decades, the company introduced other types of insurance, offering policies for homes, boats, businesses, and more. In the 1990s, Progressive became a digital pioneer as the first insurance company to create a website and, a few years later, the first to offer instant online quotes. The insurer added pet coverage to all of its auto insurance policies in 2007, providing up to $500 in benefits for family pets who were injured or died in an accident. Progressive now offers standalone pet insurance policies through a partnership with Pets Best.

Pros Explained

  • Plans start at just $6 per month: Progressive offers affordable premiums with accident-only policies starting at $6 for cats and $9 for dogs.
  • Flexible policy options: Choose from accident-only, accident and illness, and wellness coverage with a variety of deductibles and reimbursement levels.
  • Offers direct vet payments: Progressive’s pet insurance provider reimburses veterinarians directly, so you’ll only need to pay your coinsurance out of pocket.
  • Multiple ways to save: Discounts are available for online enrollment, multi-pet families, annual payments, and military personnel.
  • Flat-rate pricing on some plans: Accident-only coverage and wellness riders won’t increase in price as your pet ages.

Cons Explained

  • Sparse website: Progressive’s website provides relatively little information about its pet insurance policies. More details are available on the Pets Best website, but this isn’t made clear.
  • Fewer choices for annual limits: There are only two annual limit options with accident and illness plans and no choice at all for accident-only coverage.
  • Doesn’t cover cremation or burial: End-of-life expenses are excluded from every type of Progressive pet insurance plan.

Available Plans

Progressive offers a total of four pet insurance plans and two optional riders. The first, an accident-only plan, is available with preset terms: 90% reimbursement on up to $10,000 in injury-related treatments per year after a $250 deductible.

There are also three accident and illness plans to choose from. These offer a bit more customization and tiered levels of coverage. The Essential plan is the least expensive of the three and covers fewer types of treatment. Plus and Elite include additional costs like exam fees and holistic care at the expense of higher monthly premiums.

Two wellness riders can be added to accident and illness plans to cover preventive care, including annual checkups and vaccines. Each pays for specific treatments on a schedule, meaning each individual service carries its own annual limit.

Covered Treatment Accident Only Essential Plus Elite EssentialWellness BestWellness
Exam fees      
Procedures    
Lab tests    
Medication    
Continued treatment    
Genetic conditions      
Preventive care        
Microchipping        
Spay/neuter surgery          
Vaccinations        
Dental treatment          
Behavioral treatment            
Specialists    
Alternative/holistic care          
Medical boarding      
Cremation/burial            

Plan Pricing

Many of Progressive’s pet insurance policies carry flat monthly rates that won’t get more expensive as your pet ages. The only plans that do consider age as a factor in determining premiums are the provider’s three accident and illness policies. Pet insurance tends to get considerably more expensive with each year of age, so depending on which type of coverage you opt for, the savings could certainly add up over your pet’s lifetime.

Our Expert Lisa Says

Many of Progressive’s pet insurance policies carry flat monthly rates that won’t get more expensive as your pet ages.

  Accident Only Essential Plus Elite EssentialWellness BestWellness
Dog: 1 year $9 $8.79 to $39.32 $10.26 to $45.87 $10.73 to $48.00 $16 $26
Dog: 3 year $9 $8.79 to $39.32 $10.26 to $45.87 $10.73 to $48.00 $16 $26
Dog: 6 year $9 $14.27 to $63.82 $16.65 to $74.45 $17.42 to $77.91 $16 $26
Dog: 12 year $9 $37.81 to $169.10 $44.11 to $197.28 $46.16 to $206.44 $16 $26
Cat: 1 year $6 $5.20 to $23.28 $6.07 to $27.15 $6.35 to $28.42 $16 $26
Cat: 3 year $6 $5.20 to $23.28 $6.07 to $27.15 $6.35 to $28.42 $16 $26
Cat: 6 year $6 $6.86 to $30.68 $8.00 to $35.79 $8.07 to $37.45 $16 $26
Cat: 12 year $6 $17.78 to $79.51 $20.74 to $92.77 $21.71 to $97.07 $16 $26

Waiting Periods

Waiting periods on Progressive policies are fairly good for pet insurance. Benefits begin three days after enrollment for injuries with a longer 14-day waiting period for illnesses. Coverage for certain conditions affecting ligaments doesn’t go into effect for six months, but this isn’t anything out of the norm. Optional wellness benefits can be used immediately with no waiting period required, which is also typical among pet insurance policies.

Pre-Existing Conditions

No pet insurer covers pre-existing conditions, including Progressive. An illness or injury is considered pre-existing if it showed symptoms or required treatment before the policy began. This also applies to conditions that happen to appear during the applicable waiting period. For example, if a ligament injury occurs within the first six months of coverage, it will be considered pre-existing for the rest of your pet’s lifetime.

Coverage Limits

One area where Progressive falls slightly short is in annual limits. There are only two limits available for accident and illness policies: $5,000 or unlimited. These options are squarely on opposite ends of the spectrum, so it would be more convenient if some sort of middle ground was offered. Accident-only policies are sold exclusively with annual limits of $10,000, eliminating choice entirely.

Even if you aren’t sure you’ll need an unlimited plan, get a quote for both options. In some cases, pricing is only a dollar or two more expensive per month over a policy with a $5,000 limit.

Plan Exclusions

Almost any type of veterinary coverage you’d want for your pet can be purchased through Progressive with a combination of policies and riders. The only notable exception is that end-of-life costs are never covered. The majority of pet policies pay for cremation or burial expenses in the event that your pet passes away, but these costs are named as exclusions in every Progressive policy.

Claims

Even if you sign up for pet insurance with Progressive, all claims are filed directly with Pets Best, the insurer that services these policies. The company offers a fast and convenient digital filing process that only takes minutes through the Pets Best mobile app or online.

Another great feature is Vet Direct Pay, an optional service that reimburses your veterinarian directly in five days or less following treatment. Traditionally, insurance companies require you to pay your entire vet bill upfront and submit a claim for reimbursement later. Enrolling in Vet Direct Pay means that money never has to leave your bank account in the first place.

Not everyone loves technology. For those who don’t want to download an app, Pets Best still makes printable PDF claim forms available on its website. These can be submitted by mail, fax, or email.

Customer Service

Once again, pet insurance customers that sign up through Progressive should contact Pets Best directly for customer service. Policy support is available via phone and chat Monday through Saturday during daytime hours. For questions related to your pet’s health, a hotline staffed with veterinary experts is available 24/7.

Third-Party Ratings

Since Progressive has little direct involvement in pet insurance plans, we looked at ratings for Pets Best, the company that services all policies. Pets Best has an A+ rating with the Better Business Bureau, although we did notice a trend of customer complaints related to lengthy claim processing times. Many policyholders have complained that claims take significantly longer than five days to be resolved, which is the processing time that Pets Best advertises on its website.

Our Expert Lisa Says

Many policyholders have complained that claims take significantly longer than five days to be resolved, which is the processing time that Pets Best advertises on its website.

American Pet Insurance Company is the underwriter for Progressive Pet Insurance by Pets Best policies. This insurer has yet to be rated by AM Best, but was given an A (Exceptional) by Demotech, a similar agency that evaluates property and casualty insurers.

Competition: Progressive vs. Geico

Progressive and Geico have long been competitors in the auto insurance industry, but they also go toe-to-toe in pet insurance. Like Progressive’s model, Geico has teamed up with third-party pet insurer Embrace to offer policies. The two are similar in many ways, but there’s one key difference: While Progressive sells plans with no annual limit, Geico only goes as high as a $30,000 annual limit. While this is as good as unlimited benefits for most pets, Geico charged over $4 more per month for this policy in the quotes we received. It’s not hard to see that Progressive offers the better value here.

  Progressive Geico
Animals Covered Dogs and cats Dogs and cats
Example Cost $35.61 to insure a two-year-old dog with 80% coverage, no annual limit, and a $200 deductible $39.70 to insure a two-year-old dog with 80% coverage, a $30,000 annual limit, and a $200 deductible
Coverage Type Accident and illness Accident and illness
Waiting Period

Injuries: Two days;

Illnesses: 14 days

Injuries: Three days;

Illnesses: 14 days

Network Size Unlimited Unlimited
Final Verdict

With policies serviced by a dedicated and experienced pet insurance company, Progressive’s pet plans offer great value at a price we can’t argue with. Finding the right level of coverage is easy, even if policy customization falls slightly short of competitors. You’ll also have peace of mind knowing that your premiums should stay affordable as your pet grows older, with accident-only and wellness coverage prices remaining steady for animals of all ages.

How We Review Pet Insurance Carriers

Pet insurers come in many shapes and sizes, so we use a standardized evaluation system to help you make the best choice for your pet. We take a deep dive into policy documents, looking at the coverage offered by each provider and weighing it against quoted prices. We also make note of any exclusions that could affect how you get reimbursed for claims. Overall, we use a combination of information we collect and third-party data to evaluate the quality of service.

Learn more: Read our Pet Insurance Review Methodology here.