Progressive Pet Insurance Review (2022)

Progressive Pet Insurance Review

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Pet health insurance can give pet owners peace of mind that they’ll be able to afford unexpected vet bills. In this article, we will discuss Progressive pet insurance, which Pets Best pet insurance administers. Progressive is a huge insurance company in the United States that offers many financial services, including homeowners, renters, and auto insurance. 

In this guide on Progressive pet insurance through Pets Best, we’ll also shed light on the following: 

  • Pros and Cons of Progressive Pet Insurance
  • Progressive Pet Insurance Plans, Coverage, and Cost
  • Deductibles
  • Preventative Care Limits
  • Coverage Exclusions
  • Plan Customizations
  • Discounts
  • Real Customer Reviews
  • Progressive vs. Competitors
  • Company History
  • Frequently Asked Questions

Our Review for Progressive Pet Insurance

Every pet insurance provider has pros and cons, which is why it’s so important to read through information about the provider you’re looking at before choosing to enroll your pet in its plan. Progressive pet insurance through Pets Best pet insurance has many pros, including no age limits for enrollment, affordable pricing, and much more.

Pros and Cons of Progressive Pet Insurance


  • Offers unlimited pet insurance plans 
  • Accident-only plans available
  • 24/7 pet help hotline
  • Routine care add-ons available
  • More affordable pricing than some


Progressive Pet Insurance Plans and Coverage

Progressive pet insurance offers many types of pet insurance through Pets Best. It offers an accident-only plan, accident and illness plan, and multiple preventative care plans. No matter what you’re looking for, there is a plan for you. Keep reading to learn more about each of these plans, the pet insurance costs, and coverage.

Progressive Plans and Costs

Progressive offers an accident-only plan, which covers accidental injuries such as broken bones, bite wounds, burns, animal bites, and more. This plan is an excellent choice for pet parents looking for catastrophic coverage for their pets. It’s also offered at a fixed price, which is a substantial benefit for pet parents looking for a deal. 

In addition to this, Progressive offers a BestBenefit plan which is Pets Best’s most comprehensive insurance coverage for both accidents and illnesses. This is the most popular option among pet parents because it covers both accidents and illnesses, no matter how serious or mild. This means that it includes emergency care, specialist visits, diagnostic testing, chronic conditions, hospitalizations, hereditary conditions, X-rays, chiropractic treatment, prescription medications, and more. 

Progressive offers multiple payment plan options, including the ability to pay your premium monthly, quarterly, or annually. On average, its BestBenefit plan costs around $36 for dog insurance and $21 for cat insurance each month, which are competitive rates on the pet insurance market

Samples of Prices for Four Species/Breeds

The following sample prices are based on average pricing presented by Progressive through Pets Best. These prices will vary based on the type of plan you choose, customization options, where you live, your pet’s age, and much more. The preventative care plan pricing is based on the EssentialWellness plan, which is $16 per month. 

Species/Breed Sample Price for Medium Mixed Breed Dog Sample Price for Golden Retriever (Dog) Sample Price for Domestic Shorthair Cat Sample Price for Domestic Mediumhair Cat
Accident and Illness Plan $36 $46 $21 $21
Accident and Illness Plan With Preventative Care $52 $62 $37 $37


Pets Best offers multiple customizable deductibles ranging from $50 to $1,000, which gives you a lot of control over your monthly premium. Remember that the higher your deductible is, the lower your monthly premium likely will be. Once you’ve hit your deductible for the year, you won’t need to worry about hitting the deductible again until next year. 

Preventative Care Limits 

Progressive pet insurance through Pets Best offers two wellness plan options, which help with the costs of routine veterinary care, such as checkups, vaccinations, microchipping, and more. 

The two wellness care plans offered include: 

  • EssentialWellness plan: The EssentialWellness plan is $16 per month on top of your accident-only or accident and illness plan. This plan gives you an annual limit of $210 and offers coverage for things like rabies vaccines, heartworm preventatives, FELV screenings, routine blood work, and microchipping. 
  • BestWellness plan: The BestWellness plan is $26 per month. It provides coverage for everything the EssentialWellness plan does, with a higher annual limit of $260. It also includes spaying, neutering, and dental cleanings. 
Covered Item EssentialWellness Plan Annual Limit BestWellness Annual Limit
Wellness Exam $50 $50
Heartworm Test $25 $30
Internal Parasite or Fecal Test $50 $70
Bloodwork $50 $70
Three Vaccines $30 $40
Total  $210 $260

Coverage Exclusions

Progressive’s pet insurance does not cover: 

  • Pre-existing conditions
  • Prescription pet foods 
  • Grooming
  • Boarding
  • Cremation or burial costs

Plan Customizations

Progressive pet insurance through Pets Best offers many customization options, including the following: 

  • Plan types: accident-only, accident and illness, and two wellness plan options
  • Annual coverage limits: $10,000 for accident-only (fixed), $5,000 to unlimited options for accident and illness plans
  • Annual deductibles: $50 to $1,000
  • Reimbursement levels: 70, 80, or 90%


Progressive pet insurance through Pets Best offers a 5% multi-pet discount, which can result in significant savings over time for pet parents with several pets. 

Progressive State Availability 

Progressive pet insurance through Pets Best is available in all states and with all licensed veterinarians in the United States. 

Progressive Pet Insurance Reviews

No matter how great a pet insurance provider is, it will always have good and bad reviews. To give you a nuanced look at Progressive through Pets Best pet insurance, we are including both positive and negative reviews for you to get an honest look at the company. Please note that since Progressive pet insurance is administered through Pets Best, these reviews are pulled from Pets Best customer review pages. 

“Easy to work with! Claims have generally been quick, preventative items are faster than illness/injury claims, but that’s to be expected. They issued a payment within 30 days on our dog’s overnight emergency care which costs us ~$1500, to see the claim approved just 4 weeks later we were surprised.” —Brian Pratt, Trustpilot

“Worst company ever to deal with. This insurance is a scam. They do everything in their power not to reimburse you. They expect you to do their job for them and then turn around and say a 24/7 vet didn’t answer the phone or call us back and you get a hold of the vet withing 2 minutes. It’s a scam. Don’t waste your money on this place.” —T Zay, Trustpilot

“I have had a positive experience with Pets Best. I purchased policies for both of my kittens last summer. Yes, the one con is the processing time. Right now it’s 25-39 days; however, it is an improvement from last year when it was up to 45 days. My recent claims were processed within three weeks. Aside from processing time, the rates are competitive and everything has been covered, including an emergency surgery that was over $8,000. I think many of the negative reviews are coming from people who do not thoroughly read through the policy before purchasing and/or do not understand pre-existing conditions and wait periods. This is standard for any insurance. Thanks Pets Best for providing financial relief in times of stress!” —Nina K.,

“My dog had a foreign body ingestion. She had emergency surgery. Submitted a claim and was reimbursed in 1 month. Easy and fast process. Really happy with Pets Best Insurance.” —Amber, Trustpilot

Final Thoughts 

Knowing as much as you can about a pet insurance company before enrolling your pet in its plans can save you a lot of grief later on. We hope this Progressive pet insurance review gives you a good overview of how Progressive operates, its average price point, and its pros and cons. We hope you get peace of mind knowing that your pet is covered should it have an accident or develop an illness, no matter which provider you choose. 

Progressive vs. Competitors

Now that you know a bit about Progressive pet insurance, it’s important to see how it stacks up against its competitors. Use the following table to compare and contrast Progressive pet insurance’s prices, discounts, and many other features to other pet insurance providers. 

Factors Progressive Spot Lemonade Embrace Healthy Paws ASPCA
Quote Visit Site Visit Site Visit Site Visit Site Visit Site Visit Site
Our Score 4.1 4.9/5 4.8/5 4.7/5 4.6/5 4.5/5
Average Monthly Cost for Dogs $36 $30-$50 $37 $30-$40 $39 $49
Average Monthly Cost for Cats $21 $18-$25 $15 $15-$20 $12 $29
Waiting Period 3 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events 14 days for accident and illness, 14 days for knee or ligament events 2 days for accidents, 14 days for illness, 6 months for cruciate ligament events 2 days for accidents, 14 days for illness, 6 months for orthopedic conditions 15 days for accident and illness, 12 months for hip dysplasia events 15 days for all accident and illness coverage
Multi-pet Discount  5% 10% off 5% off 10% off No 10% off
Mobile App  Yes Yes Yes Yes Yes Yes
Wellness Add-on  Yes Yes Yes Yes No Yes
Online Chat  Yes No Yes Yes No Yes
BBB Rating A+* A F A+ A- N/A

*Progressive is not rated by the Better Business Bureau, but Pets Best, which its pet insurance is administered by, has an A+ rating with the Better Business Bureau.

About Progressive

Progressive Insurance is an insurance giant in the United States that offers many types of insurance, ranging from auto to homeowners and renters insurance. In 2007, it began offering pet coverage through its auto insurance policy. 

Later on, it partnered with Pets Best to provide full-fledged pet insurance to pet parents looking for protection from expensive accident and illness bills. Pets Best has a fantastic A+ rating with the Better Business Bureau and is underwritten by the top-rated American Pet Insurance Company. Pets Best was founded in 2005, giving it over 16 years of experience providing pet insurance. 

Frequently Asked Questions

What are the advantages of Progressive‘s pet insurance?

Progressive pet insurance has competitive pricing, multiple wellness plans, an accident-only plan option, and many other customization factors that make it an excellent choice for many pet parents. We also like that it offers an unlimited plan with no annual limit. 

How do I file a claim with Progressive?

You can file a claim through Pets Best since Pets Best administers Progressive pet insurance. This can be done through Pets Best’s user-friendly mobile app, where you can submit and track the claims process, or through its online portal. Once the claim is approved, you’ll receive a payout based on your deductible and reimbursement percentage.

Does Progressive offer exotic pet insurance?

No, at this time, Progressive pet insurance is only available for dogs and cats. 

What discounts are available through Progressive?

Progressive offers a 5% multi-pet discount and a 5% discount on a BestBenefit pet insurance policy. 

Does Progressive cover pre-existing conditions?

No. Like all pet insurance providers, Progressive pet insurance will not cover conditions your pet had before it was on an active pet insurance plan with Progressive. For example, if your dog or cat already has diabetes, all diabetes-related expenses, such as insulin, will not be covered because this is considered a pre-existing condition

Does Progressive pet insurance cover dental?

Progressive pet insurance by Pets Best does cover routine dental cleaning work through its preventative care plan options. 

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.