Progressive Pets Insurance Review (2025)

Progressive is already a trusted leader in the insurance industry, known for offering auto, home, and even boat insurance. Adding pet insurance to their portfolio, Progressive has partnered with Pets Best, a dedicated pet insurance provider with a strong reputation. This collaboration combines Progressive’s extensive insurance expertise with Pets Best’s specialized coverage for pets, creating a reliable option for pet owners who want the security of comprehensive health coverage for their pets.

What Makes Progressive Pet Insurance Stand Out?

Progressive’s pet insurance offerings are tailored to simplify coverage for pet owners while ensuring comprehensive protection. Here are some of the key standout features:

• Customizable Plans to fit varying budgets and needs.
• Nationwide Coverage so you can visit any licensed veterinarian in the U.S.
• Extensive Emergency and Hereditary Condition Coverage, ensuring that even breed-specific health issues are addressed.
• Quick and Easy Claims Process to reduce the hassle during stressful times.

Now, let’s break down the details of what Progressive Pet Insurance provides, including the types of coverage and the various plans available.

Coverage for Pets

Progressive Pet Insurance, powered by Pets Best, has robust coverage options to meet various pet care needs. Here’s a closer look at the types of coverage they offer:

Accident and Illness Coverage

Accidents and illnesses are some of the most common reasons pets need veterinary care. Progressive’s accident and illness plan is designed to cover these situations, which can range from a pet getting hit by a car to developing a serious illness like cancer. The coverage typically includes:

• Injuries like fractures or sprains from accidents
• Illnesses such as infections, allergies, and even some chronic conditions like diabetes or arthritis
• Diagnostics including X-rays, blood tests, MRIs, and ultrasounds
• Hospitalizations and surgeries that may be needed after accidents or illnesses

This level of coverage is essential for protecting your pet’s health and your finances in the event of a medical emergency.

Routine Care Coverage

While emergency care is crucial, routine care is just as important to maintain your pet’s overall health. Progressive offers additional coverage add-ons for preventive and routine care, which can help with:

• Annual check-ups to ensure your pet is healthy and receiving regular wellness checks
• Vaccinations to protect against common diseases and infections
• Dental cleanings to keep your pet’s teeth and gums healthy, avoiding costly dental problems down the road
• Flea, tick, and heartworm prevention to prevent costly treatments for infestations and disease

Routine care is a great way to proactively protect your pet’s health and avoid expensive treatments later.

Hereditary and Congenital Conditions

Certain breeds are more predisposed to specific health issues. For example, hip dysplasia in retrievers or respiratory issues in flat-faced breeds like Bulldogs. Progressive Pet Insurance plans offer support for hereditary and congenital conditions, which many other insurance providers may exclude. This added benefit can provide peace of mind for pet owners of breeds that are prone to certain health conditions.

Emergency Care

Whether it’s a sudden illness or an accident, Progressive’s pet insurance ensures coverage in emergencies. This includes coverage for:

• Emergency room visits when your pet is rushed to the vet for urgent care
• After-hours care, which is important for pets needing attention outside regular business hours
• Specialist consultations when your primary veterinarian refers your pet to a specialist for more complex issues

Having this coverage means you won’t have to hesitate when your pet needs immediate medical attention.

Plans and Pricing

Progressive breaks down its insurance offerings into three tiers, allowing pet owners to select the level of coverage that best suits their needs and budget.

1. Essential Plan

The Essential Plan is the most affordable option for those who need basic coverage. It includes coverage for:

• Accidents
• Illnesses
• Diagnostics (like X-rays)
• Prescription medications

This plan is ideal for pet owners on a budget who want peace of mind knowing their pet is covered for unforeseen emergencies.

2. Plus Plan

The Plus Plan builds on the Essential Plan by offering additional coverage for routine care and some hereditary conditions. It includes:

• Everything in the Essential Plan
• Routine care coverage (vaccinations, check-ups, flea/tick prevention)
• Hereditary conditions, such as hip dysplasia in certain breeds

This plan is perfect for pet owners who want a more well-rounded policy that covers both emergencies and preventive care.

3. Elite Plan

The Elite Plan offers the most comprehensive coverage, with higher reimbursement rates and additional benefits. It includes:

• All the coverage of the Plus Plan
• Higher reimbursement rates (up to 90%)
• Advanced hereditary and congenital condition coverage
• Additional wellness and preventive care services

The Elite Plan is perfect for pet owners whose pets have specific health needs or who want maximum coverage for peace of mind.

Pricing Factors

The cost of your plan will depend on several factors, including:

• Pet age: Older pets may have higher premiums due to their increased risk of health issues.
• Breed: Certain breeds may be more expensive to insure, especially those with genetic predispositions to health conditions.
• Location: The cost of pet insurance can vary by state due to differences in veterinary care costs and the prevalence of certain conditions.
• Health history: If your pet has pre-existing conditions, it may affect the overall cost of the insurance or whether coverage for specific conditions is available.

On average, pet insurance plans with Progressive start at around $20 to $50 per month for dogs and $15 to $35 per month for cats, depending on the coverage options and the factors mentioned above.

Preventive Care Add-ons

Progressive offers two levels of preventive care coverage as optional add-ons. These plans help cover routine maintenance for your pet and keep minor issues from escalating into costly health problems.

Preventive Care Essentials

• Annual exams to monitor your pet’s health
• Vaccinations to protect against preventable diseases
• Microchipping for permanent identification
• Flea and tick prevention to avoid costly treatments for infestations

Preventive Care Plus

This plan offers all the benefits of the Essential add-on plus:

• Spay/neuter surgery to ensure your pet is fixed, reducing the risk of certain health problems
• Routine bloodwork to monitor internal health and identify issues early

These add-ons are especially helpful for keeping your pet healthy throughout the year.

Claims Process and Reimbursements

Progressive Pet Insurance aims to make the claims process as simple and quick as possible:

• Online Claim Submission: You can file claims through the Pets Best website or app by uploading the veterinary bill and filling out a short form. This process is designed to save time and reduce the stress of dealing with paperwork during a medical emergency.
• Reimbursement Methods: Once your claim is processed, you can choose how you’d like to be reimbursed. Progressive offers direct deposit or check by mail, depending on your preference.
• Payouts: Progressive offers flexible reimbursement rates, ranging from 70% to 90% depending on the plan you select. For example, if your pet’s medical bills total $1,000, you could be reimbursed up to $900 if you have the Elite plan.
• Average Processing Time: Most claims are processed within 5 to 7 days, which is faster than many other pet insurance providers. This can be particularly beneficial during stressful times when you need quick financial relief.

Customer Support

Progressive provides multiple customer support channels to assist you with any questions or issues regarding your policy:

• Phone Support: You can speak directly with a representative for assistance.
• Live Chat: For quick answers to simple questions, live chat is available on the website.
• Email Support: For non-urgent inquiries, you can email Progressive and expect a response within 24–48 hours.
• Knowledge Base: The website offers helpful articles, FAQs, and resources to guide pet owners through the insurance process.

Customer feedback shows that Progressive’s customer service team is responsive, professional, and knowledgeable, making the process smooth for pet owners.

Is Progressive Pet Insurance Right for You?

Progressive Pet Insurance offers tailored coverage, flexible plans, and a transparent claims process—making it a fantastic option for pet owners who want peace of mind. Whether you’re a first-time pet owner or have pets with specific health needs, Progressive’s plans suit a variety of situations.

Here’s our recommendation based on your needs:

• For Budget-Conscious Pet Owners: The Essential Plan provides solid coverage for accidents and illnesses at an affordable rate.
• For Pets Needing Routine Care: The Plus Plan helps cover preventive measures like check-ups and vaccinations.
• For Maximum Coverage: The Elite Plan is ideal for pets with more extensive healthcare needs or those prone to genetic conditions.

Progressive Pet Insurance, fueled by the industry expertise of Pets Best, strikes the right balance between affordability and comprehensive coverage. By choosing Progressive, you can protect your beloved pet while enjoying financial peace of mind.