Progressive Pet Insurance Review

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Progressive is among the most popular insurance providers out there, especially when it comes to home and car insurance.

Progressive can also protect your pet and keep you from being overwhelmed by veterinary bills if your pet is sick or gets in an accident.

Whether you’re looking for a basic accident and injury plan or you want more comprehensive protection, Progressive has you covered.

With low rates, discounts, and flexible policy options, Progressive is a big-name provider you can count on to insure your dog or cat.

What Is Progressive Pet Insurance?

Progressive is a household name, thanks to years of memorable marketing.

But there’s more to Progressive’s success than Flo, as Progressive has been offering top-notch financial products for nearly a century.

Founded in 1937, the Progressive Mutual Insurance Company got its start as a car insurance provider.

Over the years, it has proceeded to expand its services to include over 30 types of insurance.

In 2007, it added pet insurance to the mix, partnering with Pets Best and selling their affordable pet plans.

Like Progressive, Pets Best is highly rated,  with an “A+” from the Better Business Bureau. Pets Best policies are underwritten by American Pet Insurance Company.

Based on Progressive pet insurance reviews from customers, their long-standing history, and Pets Best’s reputation, you’re in good hands if you choose to insure your dog or cat with them.

Progressive Pet Insurance Plans

Pet plans can look a little different from one provider to the next, but Progressive’s basic pet plan is pretty standard.

Here’s a quick glance at what it does and doesn’t include.

BestBenefit Plan Coverages

  • Accidents
  • Acupuncture/ chiropractic treatment
  • Cancer care
  • CAT scans, MRI, and X-rays
  • Emergency care
  • Exam fees for higher levels of coverage
  • Illnesses (congenital + hereditary included)
  • Laboratory work
  • Medicinal injections
  • Outpatient treatment
  • Physical rehab
  • Prescription medications
  • Specialist treatment
  • Operation/hospitalization

BestBenefit Plan Exclusions

Unlike the conditions and treatments above, here’s what’s excluded from the BestBenefit Plan:

  • Anal gland expression
  • Alternative and holistic/experimental treatments
  • Behavioral therapy
  • Bilateral conditions
  • Boarding/transportation
  • Breeding and pregnancy costs
  • Chronic conditions
  • Cosmetic procedures
  • Cremation & burial services
  • Elective procedures
  • Intentional injuries by members of the pet’s household
  • IVDD
  • Parasite prevention and treatment
  • Prescriptions for conditions that aren’t covered
  • Racing injuries
  • Spay/neuter
  • Vaccines
  • Wellness checkups

Progressive Pet Insurance Add-ons

Wellness Coverage

If you want to take your pet plan’s coverage a step further, Progressive has two wellness plans:

  1. EssentialWellness: $16/month
  2. BestWellness: $26/month

Both of these plans extend your coverage to include preventive care. The BestWellness plan simply offers more coverage.

Accident Coverage

If your budget is tight, but you still want to purchase some level of protection for your pet, an accident-only plan could be the solution.

While the coverage is less robust, it can protect your cat or dog in the case of an accidental injury.

Progressive’s accident plan costs $9 a month, and it comes with the following levels of coverage:

  • $250 deductible
  • Up to 90% reimbursement
  • $10k annual cap on benefits

Progressive Pet Insurance Waiting Periods

All pet insurance plans come with some form of a waiting period, which is the time it takes for your coverage to kick in once you’ve purchased the policy.

Progressive’s waiting periods vary depending on the condition, as you can see:

  • Accident: 3 days
  • Illnesses: 14 days
  • Cruciate ligament conditions: 6 months

Progressive Pet Insurance Quotes

How much you’ll end up paying for a pet plan from Progressive depends on a range of factors.

What Affects Pet Insurance Rates

Your rates will be based on:

  • Type of pet: Cats tend to have lower healthcare expenses, so they’re cheaper to insure. Similarly, some breeds are more susceptible to health conditions than others, making them costlier to insure.
  • Pet’s gender: Male pets are generally more expensive to insure than female pets.
  • Pet’s age: One of the biggest factors is age. The older your dog or cat gets, the more expensive they are to insure.
  • Your location: Where you live can also affect your pet insurance costs because veterinary expenses vary from place to place.
  • Deductible level: How much you pay out of pocket before your coverage takes effect can increase or decrease your premiums.
  • Reimbursement amount: Similarly, the level you choose to be reimbursed at impacts rates, with most providers letting you choose from 70 to 90%.
  • Maximum benefits: The total amount of coverage you choose can also have a big effect on the cost of your pet policy.

Progressive Quotes

With Progressive, you get to choose from three levels of coverage:

  • Essential
  • Plus
  • Elite

Here are sample rates for a mixed breed, 30 lb., two-year-old dog in South Carolina.

If you opted for 80% reimbursement with a $250 deductible and no annual cap on benefits, here’s what the pup above could get:

Essential: $25.21 per month

  • Accident and illness coverage
  • Cancer
  • Emergency care
  • Hereditary conditions
  • Prescriptions

Plus: $29.41 per month

  • Essential plan coverages above
  • Accident & illness exams

Elite: $30.78 per month

  • Plus plan coverage
  • Acupuncture
  • Chiropractics
  • Physical rehab

These treatments and services are covered as long as they are prescribed by a vet for illnesses or conditions covered by the policy.

Progressive Pet Insurance Discounts

As you might expect from a carrier like Progressive, you can save money on your pet plan with the discounts below:

  • Multi-policy discount: You can save when you bundle your pet insurance with more policies from Progressive, like home or auto.
  • Multi-pet discount: If you have more than one four-legged friend, insuring them all could save you 5% on premiums.
  • Military discount: Vets and active-duty military personnel can get another 5% off their policy.

Signing Up

Progressive makes purchasing a pet policy easy. You can start by contacting one of Progressive’s reps or by getting a free quote online.

All you’ll have to do is enter some basic information about yourself and your pet to determine the structure of your policy and the cost of coverage.

From there, you can buy the policy online, securing coverage for your pet in a few minutes’ time.

Customer Support

Progressive is one of the best in the business when it comes to customer support.

You can reach a Progressive representative any time, with several options for contacting them if you have a question about your pet’s policy.

To get in touch with Progressive’s customer support team, you can:

  • Chat online
  • Submit an email
  • Call 24/7

Pros and Cons

Before you buy a pet plan from Progressive, take a minute to consider the advantages and disadvantages of Progressive’s Pets Best policies.


  • Claims process: Progressive is hailed for a quick and painless claims filing process in its mobile app, with high claims satisfaction on its pet plans
  • Routine coverage: Wellness plans aren’t offered by all providers. With Progressive, you can choose from two levels of routine coverage.
  • Cost: Progressive has plans to suit several budgets, offering everything from bare-bones accident plans to comprehensive coverage with wellness care.
  • Discounts: If you’re one of Progressive’s millions of customers, you could save by bundling policies, or with one of Progressive’s other rewarding discounts.


  • Waiting periods: Every pet insurance provider has waiting periods, but they could be shorter for some conditions with other carriers.
  • Limited coverage: You may have to pay more for basic coverages like exam fees, which aren’t included in Progressive’s most basic accident and illness plan.
  • Different underwriter: Progressive markets and sells pet insurance plans, but they aren’t technically underwritten by the company.

Alternatives to Progressive

Progressive has a lot to offer pet owners, but it’s far from your only choice.

There are several more awesome pet insurance companies to consider.

As you start comparison shopping for the right policy, you may want to keep these providers in mind, too:

  • Healthy Paws
  • Embrace
  • Figo
  • Nationwide
  • Trupanion


How good is Progressive pet insurance?

Progressive is my top pick for pet insurance. Through its partnership with Pets Best, Progressive offers affordable and flexible policy options, with high claims satisfaction.

Does Progressive have dog insurance?

Progressive has dog insurance and cat insurance plans, like most of its competitors. If you need to insure an exotic pet, Nationwide is your go-to.

Does Progressive have dog breed restrictions?

Progressive does not have breed restrictions, though you may pay more for a policy if your dog or cat’s breed is more genetically predisposed to costly medical conditions.

Is Progressive Pet Insurance Right for You?

While you might not be as familiar with Pets Best, its partnership with Progressive speaks highly to the quality of the coverage you’ll get when you insure your dog or cat with the carrier.

Along with brand recognition, you can get a level of coverage that’s hard to beat, at reasonable prices.

Whatever your budget is, you should be able to find a policy to protect your pet. And you can save even more money with Progressive’s discounts.

You don’t have to look far for an affordable pet insurance plan for your dog or cat.

If you haven’t already, take a minute to get a free pet insurance quote from Progressive today.

Progressive Pet Insurance

Overall Rating


Bottom Line

In 2007, Progressive added pet insurance to the mix, partnering with Pets Best and selling their affordable pet plans. Based on Progressive pet insurance reviews from customers, their long-standing history, and Pets Best’s reputation, you’re in good hands if you choose to insure your dog or cat with them.


  • Wellness Plan Options
  • Easy Claims Process
  • Lower Rates


  • Waiting Periods for Coverage
  • Limited Coverage



Policy Options




User Interface


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