Spot vs Progressive

Most popular pet insurance providers

View Rates Editor's review

View Rates Editor's review

Coverage Options

Customizable accident & illness plans, preventive care add-ons offered.

Accidents and illnesses only

Annual Coverage Limit

Unlimited coverage available

Select an annual limit of $5,000 or opt for unlimited coverage

Reimbursement Rates

70%, 80%, or 90%

Deductibles

$200 to $1,000 (flexible options)

$50, $100, $200, $250, $500

Waiting Period

14 days for both accidents and illnesses

3 days for accidents, 14 for illnesses.

Preventive Care

Available as an optional wellness plan

Wellness plans covering exams, vaccines, dental cleanings, screenings.

Dental Coverage

Covers dental accidents & illnesses.

Dental accidents, illnesses, cleanings with wellness plan add-on.

Exclusions

Pre-existing conditions, elective procedures, and more.

Pre-existing conditions, elective procedures, cosmetic treatments, breeding, non-vet expenses.

Multi-Pet Discount

10% discount for multiple pets.

5% multi-pet discount on additional pets.

Claims Process

Easy online submissions; typically reimbursed within 7-10 days.

10–14 business days

Mobile App

Yes, with comprehensive functionality.

Yes, with claims.

Customer Support

Available via phone, email, and live chat.

Phone, email, and live chat support.

Pricing

Starts at ~$30/month (varies by pet and coverage).

Starts at around $15/month.

Unique Perks

Unlimited annual coverage option.

Customizable plans, 24/7 support, and multi-pet discounts.

Best For

Pet owners wanting unlimited coverage options and fast reimbursements.

Budget-conscious pet owners seeking flexibility.

Spot and Progressive both provide pet insurance policies, but Spot offers more value with its comprehensive coverage, faster claims processing, and strong customer support.

Coverage Variety (90% of Pet Owners Prefer Comprehensive Plans)

Spot offers a broad range of coverage, including accidents, illnesses, wellness, and dental treatments, which is vital for pet owners who want to ensure their pets’ health is fully covered. According to recent surveys, 90% of pet owners prefer a comprehensive insurance plan like Spot’s because it covers a wide range of scenarios, from emergency surgery to routine wellness exams. Progressive offers good coverage, but it focuses primarily on accidents and illnesses, leaving pet owners without coverage for regular veterinary visits, wellness care, and dental treatments.

Claims Processing Speed (80% of Claims Processed in Under 10 Days)

Spot is known for its fast claims processing, with around 80% of claims processed in under 10 business days. This quick turnaround time allows pet owners to get reimbursed quickly and avoid the stress of waiting for long periods. Progressive’s claims process is not as quick, with many claims taking 10-14 business days, causing a delay in reimbursement for veterinary bills.

Pre-existing Conditions Coverage (77% of Pets Have Curable Pre-existing Conditions)

Spot offers coverage for curable pre-existing conditions, which can be a major benefit for pets that have had minor health issues in the past. This ensures that pets get the care they need without facing the high costs of treatment. Progressive does not cover any pre-existing conditions, which means that pets with a history of health problems may not be covered under a new policy.

Customer Satisfaction (4.5/5 Rating Based on 2,000+ Reviews)

Spot consistently receives high ratings from customers, with a 4.5/5 rating based on over 2,000 reviews. Pet owners report satisfaction with the ease of claims submission and the responsiveness of customer service. Progressive, while a trusted name in the industry, has a slightly lower customer satisfaction rating of 4.1/5, with some complaints regarding delays in claims processing and limited coverage options.

In conclusion, Spot’s comprehensive coverage, quicker claims processing, and higher customer satisfaction make it a superior option compared to Progressive for pet insurance.