Progressive Pet Insurance Review 2022

Last modified: August 11, 2021
  • Claims 9.5
  • Buying 9
  • Transparency 9
  • Coverage Variety 10
  • Value For Money 9.5
  • Financial Strength A
  • BBB Rating A+
  • Coverages 5/5
  • Flexibility Customizable policies
  • Discounts 5/5
  • Support Mobile app, online chat, social media, email, phone
  • Pricing Affordable
  • Availability All 50 states

Progressive is one of the leading insurance companies in the United States, offering pet insurance plans and an extensive range of 30 other coverage, like auto and home insurance plans. The company started in 1937 with auto insurance. In 2007, it formed a partnership with Pets Best to begin its own pet insurance for cats and dogs, underwritten by American Pet insurance Company.

This guide highlights Progressive Pet Insurance reviews, coverage, pricing, pros and cons, competitors, financial stability, and customer support to help you make the right decision.

How We Reviewed

We used a standardized evaluation system to determine if Progressive Pet Insurance is the best choice for your four-legged pet. In this review, we will take a deep dive into:

  • Types of coverage and customizability options offered by Progressive Pet Insurance
  • Coverage exclusions
  • Progressive deductibles and reimbursement percentages
  • Progressive pricing plans
  • Progressive Insurance rating
  • Progressive customer reviews
  • Financial stability
  • How Progressive stands against competitors
  • Progressive customer support and more

Where Is It Available

Progressive is available in all 50 states. The progressive corporate address is: 

The Progressive Corporation, 6300 Wilson Mills Rd. Mayfield Village, Ohio 44143

Pet Insurance Review

Types of Progressive Pet Insurance Plans

Progressive Pet Insurance offers coverage to pets that are seven weeks old and above. It is one of the very few pet insurance companies that do not have an upper age limit for pets, which is beneficial for pet parents with pets aged 15 years old or even more. But keep in mind that premiums for older pets cost significantly more than premiums for younger pets.

There are several different types of pet insurance policies that Progressive offers:

Best Benefit Accident and Illness Plan

This is the most comprehensive pet insurance policy covering accidental injuries and illnesses, ranging from minor to severe. It includes:

  • Accidents 
  • Illnesses like pet hereditary conditions 
  • Pet chronic conditions
  • Pet cancer care
  • Pet emergency care
  • Specialty care
  • Vet exam fee with qualifying plans
  • Pet prescription drug coverage
  • Pet medicine injection
  • Lab testing
  • Acupuncture and chiropractic
  • Diagnostic testing including x-rays, MRI, and CT scans
  • Outpatient care
  • Surgery (other than cosmetic surgery) and hospitalization
  • Pet physical therapy and pet rehabilitation
  • Pet prosthetics and mobility aid

It also offers three plans:

Essential Plan: The Essential Plan is a basic plan that includes coverage for all injuries and accidents up to $5,000 every year. 

Plus Plan: The Plus plan offers more coverage and caps reimbursement at $10,000 and covers vet exams and alternative therapies.

Elite Plan: The Elite plan is the most expensive and covers everything from the Essential and Plus plans and also offers chiropractic and acupuncture, rehabilitate visits, vet visits, and pet prescription medication coverage.

Accident Only Plan

With this pet accident insurance for cats and dogs, pet parents can only reimburse the costs of accidents. This plan is designed for people with a limited budget and includes coverage for:

  • Broken bones
  • Bite wounds
  • Accidental ingestion of harmful or toxic substances
  • Lacerations
  • Claw wounds from other animals

This pet accident insurance plan does not cover any illnesses. It also comes with a flat monthly premium of $9 for dogs and $6 for cats, a $250 annual deductible, a $10,000 payout cap, and 90% deductibles.

Wellness Routine Care Plan

Progressive Wellness Routine Care plan can be purchased individually or in conjunction with other primary insurance packages. It covers extra costs, like:

  • Wellness examination and checkups
  • Pet bloodwork lab testing
  • Dental cleaning
  • Vaccination
  • Pet parasite treatment for heartworm, ticks, and fleas.
  • Pet alternative medicine and therapies

Progressive Pet Wellness Insurance offers only two levels of routine care:

Essential Wellness: The Essential Wellness plan costs about $16 per month and covers wellness exams, heartworm testing, neutering and spaying, and other preventive and routine health care procedures. The annual limit for this add-on is $305.

Best Wellness: The Best Wellness Plan costs about $26 per month and offers the same coverage options as the Essential plan but adds an allowance for up to $150 for dental cleaning. All in all, the total reimbursement allowed per year under this plan is $535.

Coverage Limits

You can choose a deductible for Progressive Pet Insurance accidental and illness plans, ranging from $50 to $1000. The annual reimbursement limits are also flexible and offer 70%, 80%, and 90% reimbursement percentages. Pet parents can choose an annual limit of $5,000 or unlimited.

What’s Not Covered by Progressive Pet Insurance

Like all pet insurance companies, certain conditions are not covered under Progressive Pet Insurance, including:

  • Pre-existing conditions
  • Preventive, elective, and cosmetic procedures like ear cropping, tail docking, declawing
  • Boarding and transportation
  • Grooming
  • Prescription food
  • Anal gland expression
  • Bilateral conditions
  • Pet behavioral therapy and treatment
  • Pet pregnancy, breeding, whelping, queening
  • Cremation and burials
  • Intentional injuries and racing injuries
  • Intervertebral disc conditions
  • Exotic pet insurance

Progressive Pet Insurance Pricing

Progressive Corporation Pet Insurance cost depends on factors like your cat or dog’s species or breed, age, gender, location, deductible, reimbursement, benefit limits, and more. Depending on how much coverage you need, Progressive Pet Insurance can cost you as little as $1 per day.

The average Progressive Pet Insurance quote for cats is $28 to $34, while the average Progressive dog insurance is between $35 and $40. 

Prices are also determined by whether you have chosen the Essential, Plus, or Elite plan. For example, a 6-year-old dog can cost between $14.27 to 63.82 with Essential Plan; $16.65 to $74.75 with Plus Plan; and $17.42 to $77.91 with Elite Plan. Similarly, a 6-year-old cat can cost between $6.86 to $30.86 with Essential Plan; $8.00 to $35.79 with Plus Plan; and $08.07 to $37.45 with Elite Plan.

The Accident only plan costs a flat rate of $9 for dogs and $6 for cats. The Essential Wellness rider package costs $16 for pets, and the Best Wellness plan costs $26 for pets.


Progressive Pet Insurance Discounts

At Progressive Pet Insurance, you can save a nice amount of money with these discounts:

Multi-policy discount: Offers you bundle pet insurance with other policies from Progressive, like a car or home insurance.

Multipet discount: Save 5% when you insure multiple pets with Progressive Pet Insurance.

Military discount: Retired and active military personnel can save 5% on pet insurance.


Progressive Insurance Claim

Progressive Pet Insurance offers an excellent digital platform for claims filing. Since pet insurance is provided by Pets Best, claims can be filed directly through this insurer.

You can file your claim through the online portal, or download the Progressive Pet Insurance claim form, fill it and send it through email, fax, or standard mail.

The claim process takes about five days. Depending on your reimbursement percentage, Progressive will pay you back 70%, 80%, or 90% of your expenses.

If you haven’t yet settled the bill with your vet, Progressive Pet Insurance will pay your vet directly following the treatment via a feature called Vet Direct Pay.

Progressive Pet Insurance Waiting Period

Progressive’s waiting periods are given below:

Illness coverage: 14 days

Accident coverage: 3 days

Cruciate ligament conditions: 6 months


Progressive Customer Satisfaction And Financial Strength Review


Since Progressive offers insurance by Pets Bests, its ratings are reflective of Pets Bests. Progressive BBB (Better Business Bureau) ratings are A+. However,  several customers have complained about claims that take much longer to process. On the other hand, customers have praised the company’s affordably priced coverages and routine wellness rider packages.

Progressive AM Best Rating: The American Pet Insurance Company underwrites Progressive Pet Insurance by Pets Best. AM Best has not been rated, but Demotech gave it an A (Exceptional) rating meaning its financial stability is pretty high.

Progressive Customer Service

You can contact Progressive Pet Insurance through various mediums:

Progressive Mobile App: You can communicate with consultants through this.

Progressive Online Chat service is also available.

Progressive Customer Service Phone Number: Policy support is available from Monday to Saturday during day time hours. Additionally, a hotline relating to pet’s health offers 24/7 Progressive customer service hours at 855-347-3939. 

Progressive Email: Send an email by logging into your account.

Progressive Social Media Platforms: Contact Progressive by visiting Facebook, Instagram, Twitter, YouTube, and Lifelanes.

Comparison With Competitors

Progressive Pet Insurance vs Embrace

Like Progressive, Embrace pet insurance also offers cover accidents and illnesses. However, it does not have a wellness plan, like Progressive. Rather, it has a type of savings account known as the Embrace Wellness Rewards program which allows pet parents to spread their pet’s preventive and wellness care expenses over the year.

However, if you are looking for discounted plans, Embrace offers the most choices, particularly for pet parents in New York. Embrace also offers a Diminishing Deductible for healthy pets, and if you don’t file a claim in a year, you will be given $50 off in the next year.

Progressive Pet Insurance vs. Healthy Paws

Unlike Progressive, Healthy Paws pet insurance does not cover preventive or wellness care. But the company is known as one of the very best pet insurance providers in the industry. It also offers lifetime pet insurance policies and excellent coverage without any payout limits.

Healthy Paws also covers hip dysplasia for pets under six years of age. Pets can also be enrolled up to 14 years of age, but Progressive takes the cake in this department as it gives no upper age limits for the enrollment of cats and dogs. However, unlike Progressive, Healthy Paws does not cover the examination fee of the vet.

Plus, it also has a 15-day accident waiting period as opposed to Progressive’s three days.

Pros & Cons

The Pros

  • You have to pay only an annual deductible per year rather than a deductible per year.
  • Provide a lot of flexible policy options.
  • Claim processing is very fast.
  • There is no upper limit for pet insurance coverage for cats and dogs which is something that only very few insurance providers offer.
  • You also have the option to add exam fee coverage.
  • Offer wellness routine care as well.
  • Multiple options for saving.

The Cons

  • Waiting periods are common, but other pet insurance companies offer shorter waiting times.
  • The website does not offer many details about its insurance coverage. You can find more information on the Pets Best website, but this is not mentioned.
  • It also does not cover burial or cremation costs.

Final Verdict

Progressive Pet Insurance reviews from real customers say the insurance company is worth it because of its affordable coverage and no upper age limit for pets and backed by an industry giant.


Does it cover neutering?

Neutering and spaying are both covered in the Essential Wellness plan or Best Wellness plan.

Does insurance cover allergies?

Progressive’s Best Benefit Accident and Illness plan cover all sorts of animal allergies.

Can I cancel insurance?

Progressive Pet Insurance advises pet parents wishing to cancel the policy to call 1-866-416-2003, which can be tiresome. Some customers say there should be an option to cancel the policy through the app or website.

Does insurance cover medications?

Progressive Pet Insurance offers pet prescription drug coverage for cats and dogs.