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Progressive Pet Insurance Review

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Headquartered in Ohio and founded in 1937, the Progressive Corporation has grown into one of the largest insurance carriers in the United States. In addition to auto, motorcycle, and RV insurance, the company partners with Pets Best to offer pet insurance policies as well. Progressive offers policies that cover injuries only, as well as more comprehensive packages for those who want help paying for routine and preventative care, like vaccinations and annual checkups.
 
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How is Progressive rated?

Breakdown

4.3/5
Coverage
4.5/5
Cost
4.3/5
Extras

Overall Rating: 4.4 / 5 (Excellent)

Together with its partner Pets Best, Progressive offers flexible, comprehensive pet insurance plans with rare coverage options like dental illness and behavioral coverage. It's also one of the few pet insurers to cover working pets. There's no major area where Progressive pet insurance falls behind its competitors, so there's no reason not to get a quote to see what it can offer you.

Progressive Coverage

Coverage - 4.3 / 5

Progressive pet insurance offers policies for all dogs and cats seven weeks and older. It's one of few pet insurance companies to offer coverage to working pets and to cover dental illness, as long as it's not a pre-existing condition. Choose between accident-only plans or BestBenefit plans, which cover accidents and illnesses. Those interested in the most comprehensive coverage can add routine care coverage for an additional fee.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness
  • Behavioral
  • Oral Disease and Injuries

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids
  • Holistic Care

Benefit Limits

Benefit Limits - 4.7 / 5

When you sign up for a Progressive pet insurance policy, you can choose between a $5,000 annual limit or an unlimited plan. There are no restrictions on how much the company will pay per incident or over the lifetime of your pet.
Benefit Limit Types
Annual
Unlimited

Reimbursement & Deductibles

Reimbursement - 4 / 5

Progressive pet insurance gives you a choice of 70%, 80% or 90% reimbursement for the actual costs of your pet's covered medical expenses. This is common among pet insurers and gives pet owners the flexibility to choose how much they want to pay out of pocket, though if you go with a higher reimbursement rate, your premiums will go up.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 4.5 / 5

Progressive pet insurance gives you a choice of an annual deductible ranging from $50 to $1,000. There are no per-condition annual or lifetime deductibles to worry about. This is on par with many other pet insurers.
Deductible Type
Annual
Minimum Deductible Offered
$50
Maximum Deductible Offered
$1,000

Pricing: How much does Progressive cost?

Cost - 4.5 / 5

There are few opportunities to earn discounts on Progressive pet insurance, but it's still a favorite for those on a budget because its rates are pretty affordable, especially for cats. With several tiers of coverage, it isn't difficult to find something that fits your budget.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$16.52
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$7.59
Rate Details: Annual Deductible: $1,000, Benefits Cap: $5,000, Reimbursement Model: 70% of Actual Cost
Available Discounts: You'll get a 5% discount on a BestBenefit policy when you get a quote through Progressive. If you purchase a BestBenefit policy for more than one pet, you'll receive a 5% discount (not applicable to residents of AK, HI or TN). Military members and their families are eligible for a 5% discount.

Enrollment & Waiting Periods

Enrollment - 4.5 / 5

Progressive pet insurance accepts all pets seven weeks and older, with no caps on a pet's maximum age. Its 14-day waiting period on illnesses is typical for the industry, but the 3-day waiting period on accidents is less common. Some other pet insurers also impose a 14-day waiting period on these claims.
Min Enrollment Age
7 weeks
Accident Waiting Period
3 days
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Extras - 4.3 / 5

Progressive partners with Pets Best to offer pet insurance, so all claims are handled by Pets Best. It offers multiple ways to file a claim, including email and an online portal, and in most cases, claims are processed in a week or less. This is faster than some other pet insurance providers.
Advertised Response Time
5 business days days
Claim Form
Mail
Email
Fax
Online Portal

Contact & Additional Information

Homepage URL
https://www.progressive.com/experience/htb/
Headquarters Address
6300 Wilson Mills Rd., Mayfield Village, OH, 44143
Year Founded
1937

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Customer Comments & Reviews

Loading Reviews ...
L
LaDonna

11/11/2020
I am interested in getting a quote on pet insurance for my 3 dogs. 1- mini schnauzer mix, 13 lbs 1- toy poodle, 7 lbs 1-golden doodle, 50 lbs I also have my auto insurance thru progressive.

Top Rated
Our Partner
  • No enrollment or administrative fees
  • Accidents, illnesses & emergency care
  • Most claims are processed within 2 days
  • Flexible premium & deductible options

 

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