Progressive is a household name in the insurance industry, primarily known for its auto insurance since 1937. Since partnering with Pets Best in 2009, Progressive has also extended its offerings to pet insurance, providing flexible plans for pet owners. Whether you need coverage for accidents, illnesses, or preventive care, Progressive Pet Insurance Review allows customization to fit various budgets and healthcare needs.
Why Choose Progressive Pet Insurance?
Best For: Customizable Coverage Options
Rating: 4.4/5 Stars
Annual Deductible Options: $50–$1,000
Reimbursement Percentage: Up to 90% of eligible expenses
Claim Turnaround Time: 2–7 days
Enrollment Age: 7 weeks and above, with no upper age limit
Direct Vet Pay: Yes
Coverage Options
Progressive, through Pets Best, offers various plans:
- Accident-Only Plan: Covers unexpected injuries like broken bones, ingestion of foreign objects, and car accident-related injuries.
- BestBenefit Plan: A more comprehensive plan that includes coverage for illnesses like cancer, allergies, arthritis, and hereditary conditions such as hip dysplasia and epilepsy.
- Wellness Add-ons: Includes routine care like vaccinations, microchipping, and dental cleanings.
What’s Covered?
✔ Accidents (broken bones, ingestion, lacerations)
✔ Illnesses (cancer, diabetes, epilepsy, skin infections)
✔ Hereditary & congenital conditions (hip dysplasia, glaucoma, cherry eye)
✔ Emergency care, hospitalization, and surgeries
✔ Prescription medications for a variety of conditions
✔ Prosthetic devices and wheelchairs
✔ Coverage while traveling (U.S., Canada, and Puerto Rico)
✔ Physical rehabilitation, acupuncture, and chiropractic care (optional)
What’s Not Covered?
✘ Elective & preventive procedures (except with wellness add-ons)
✘ Herbal, holistic, and experimental treatments
✘ Non-veterinary expenses, special diets, vitamins, and supplements
✘ Pre-existing conditions (some may be covered if symptom-free for a specific period)
Progressive Pet Insurance Review Plan Customization & Pricing
Progressive offers plans that can be tailored according to your budget:
- Accident-Only Plan: Starts at $6/month
- BestBenefit Plan: Pricing varies by breed, age, and location
- EssentialWellness Plan: $19.08/month (routine care)
- BestWellness Plan: $28.58/month (comprehensive routine care)
Sample Monthly Rates for Dogs & Cats
| Breed | 2 Yrs | 5 Yrs | 8 Yrs | 10 Yrs |
|---|---|---|---|---|
| French Bulldog | $168 | $231 | $436 | $687 |
| Labrador Retriever | $103 | $141 | $267 | $421 |
| Golden Retriever | $104 | $143 | $271 | $427 |
| Ragdoll Cat | $47 | $65 | $123 | $194 |
| Maine Coon | $53 | $69 | $120 | $193 |
(Note: Rates vary based on location, age, and health conditions.)
Pros & Cons of Progressive Pet Insurance Review
Pros:
✅ Highly customizable plans
✅ No upper age limit for pets
✅ Fast claim processing (2-7 days)
✅ Multi-pet discounts available
✅ 24/7 pet helpline for urgent queries
Cons:
❌ Wellness add-ons don’t cover behavioral or alternative therapies
❌ Limited coverage for non-curable pre-existing conditions
How to File a Claim of Progressive Pet Insurance
Filing a claim with Progressive is simple:
- Upload a paid invoice via the online portal or mobile app.
- Provide details about the veterinary visit.
- Claims are typically processed within 2–7 days.
- Direct vet payment is available for convenience.
Waiting Periods & Restrictions
- Accidental coverage: 3 days
- Illness & wellness coverage: 14 days
- Cruciate ligament conditions: 6 months
- Available in all 50 states (terms may vary by location)
Customer Reviews & Satisfaction
Progressive Pet Insurance receives generally positive reviews from customers, particularly for its flexible plans, quick claims processing, and affordability. However, some customers have reported issues with claim denials for pre-existing conditions and limited wellness coverage.
Many pet owners appreciate the ability to customize their plans based on their pet’s needs, and the 24/7 pet helpline is a valuable resource for urgent health concerns. While no pet insurance is perfect, Progressive’s partnership with Pets Best makes it a strong contender in the market.
Final Verdict: Is Progressive Pet Insurance Right for You?
Progressive Pet Insurance is ideal for pet owners looking for flexible and comprehensive coverage. With no upper age limits, quick claims processing, and optional wellness plans, it stands out among competitors. However, if you seek coverage for alternative treatments or have a pet with chronic pre-existing conditions, you might want to explore other options.
For the best rates, compare Progressive’s plans with other providers and ensure you choose the coverage that aligns with your pet’s health needs and your financial situation.
Want to know more about other insurances, Read our latest articles.
