Our Take: Is Progressive Pet Insurance Worth It?
Enrolling your pet in Progressive Pet Insurance by Pets Best can give you peace of mind that your pet is covered should it have an accident or develop an illness. The company offers two base plans and two add-on plans, plus a wide range of deductibles to customize your policy and premiums.
Progressive Pet Insurance by Pets Best has mixed reviews from customers, with some praising its coverage options and others criticizing its claims process.
Based on quotes we’ve gathered from different insurers, Progressive Pet Insurance by Pets Best is a relatively affordable option for dogs, but it’s a little pricier for cats. We recommend requesting quotes from at least three insurers before deciding on your pet’s coverage.
Progressive vs. Competitors
According to our research, Lemonade and Spot land are amongst the best pet insurance companies on the market. Use the table below to compare Progressive to our top-recommended providers.
Pros and Cons of Progressive Pet Insurance
Progressive Pet Insurance Plans and Coverage
Progressive offers a few types of pet insurance policies through Pets Best. These include:
- Accident-only plan: This covers accidental injuries such as broken bones, bite wounds, burns, and more. It may be a good choice for pet parents looking for catastrophic coverage for their pets. It’s also offered at a fixed price, which can be a benefit for pet parents on a budget.
- Accident and illness plan: Progressive customers can enroll in the BestBenefit plan, which is Pets Best’s most comprehensive insurance coverage. It includes emergency care, specialist visits, diagnostic testing, chronic conditions, hospitalizations, hereditary conditions, X-rays, chiropractic treatment, prescription medications and more.
- Routine and preventative care plans: If you’re looking for coverage for routine care such as wellness checkups, vaccinations and teeth cleaning, you can opt into Pets Best’s BestWellness or EssentialWellness plans as an add-on to the BestBenefit plan.
Preventative Care Limits
The two wellness plan options from Progressive Pet Insurance by Pets Best help with the costs of routine veterinary care, such as checkups, vaccinations, microchipping and more. Here are the details of each plan:
- EssentialWellness: 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 covers items like rabies vaccines, heartworm preventatives, FELV screenings, routine blood work and microchipping.
- BestWellness: The BestWellness plan is an additional $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:
- Preexisting conditions
- Prescription pet foods
- Grooming
- Boarding
- Cremation or burial costs
Plan Customizations
You can customize your Progressive pet insurance coverage by adjusting the following:
- Plan types: Accident-only, accident and illness, and two wellness plan options
- Annual coverage limits: $10,000 for accident-only (fixed), limits ranging from $5,000 to unlimited for accident and illness plans
- Annual deductibles: $50 to $1,000
- Reimbursement levels: 70%, 80% or 90%
Progressive Pet Insurance Cost
With Progressive’s pet insurance, you can pay your premium monthly, quarterly or annually. Based on quotes we collected, the BestBenefit plan costs around $36 for dog insurance and $21 for cat insurance each month, which are competitive rates.
The following sample prices are based on average pricing presented by Progressive through Pets Best. Your own prices will vary based on the type of plan you choose, customization options, where you live, your pet’s age and more. The preventative care plan pricing is based on the EssentialWellness plan, which is $16 per month.
| Breed | Accident and Illness Plan Cost | Accident and Illness Plan With Preventative Care Cost |
|---|---|---|
| Medium Mixed-Breed Dog | $36 | $52 |
| Golden Retriever (Dog) | $46 | $62 |
| Domestic Shorthair Cat | $21 | $37 |
| Domestic Mediumhair Cat | $21 | $37 |
Deductibles
Pets Best offers deductibles ranging from $50 to $1,000 in $50 increments, 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.
Discounts
You can get a 5% multi-pet discount when enrolling multiple pets in Progressive Pet Insurance by Pets Best.
Progressive State Availability
Progressive Pet Insurance by Pets Best is available in all states. Curious about the best pet insurance company near you? Find your state below:
Progressive Pet Insurance Reviews
To give you a look at how customers feel about Progressive Pet Insurance by Pets Best, we combed through dozens of reviews and have selected a few reviews that offer a well-rounded look at Pets Best’s customer service.
“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 four weeks later, we were surprised.” —Brian Pratt, Trustpilot
“My dog had a foreign body ingestion. She had emergency surgery. Submitted a claim and was reimbursed in one month. Easy and fast process. Really happy with Pets Best Insurance.” —Amber, 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 within 2 minutes. It’s a scam. Don’t waste your money on this place.” —T Zay, Trustpilot
“…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.” —Nina K., Yelp.com
Compare Coverage Details of Progressive vs. Other Insurers
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 |
|---|---|---|---|---|---|---|
| Our Rating | 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 administers Progressive’s pet insurance policies, has an A+ rating from the BBB.
Frequently Asked Questions
You can file a claim through Pets Best since it 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.
No. At this time, Progressive pet insurance is only available for dogs and cats.
No. Like most pet insurance providers, Progressive pet insurance will not cover conditions your pet had before it was on an active pet insurance plan. For example, if your dog or cat already has diabetes when you enroll them in a plan, no diabetes-related expenses will be covered.
Progressive pet insurance by Pets Best covers routine dental cleaning in its preventative care add-on plans.
