Here’s a breakdown of how we reviewed and rated the best pet insurance companies
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
- Progressive offers pet insurance through its partners Pets Best and Companion, providing four plans (one accident-only and three accident-and-illness) plus optional wellness add-ons.
- Average monthly premiums are $35 for dogs and $17 for cats, which is below the national average of $40, making it one of the more affordable options.
- Plans are highly customizable, with multiple deductible, reimbursement and coverage limit choices to balance cost and coverage.
Progressive pet insurance is offered through partners Pets Best and Companion. In this review, we’ll highlight its plans and coverage through Pets Best, since it provides the widest range of plans and competitive pricing with costs well below the national average.
Our Thoughts on Progressive Pet Insurance
We gave Progressive 4.7 of 5 stars in our latest pet insurance provider rating. Progressive partners with one of the best pet insurance companies, Pets Best, to offer four excellent pet insurance plans, including an accident-only plan and three accident and illness plans which can be customized with multiple deductible options and coverage limits to increase your coverage or decrease your premium as needed. It also has two preventive care add-ons that can be added on to any of the four plans for a fixed $19 or $29 per month.
The insurer offers a standard waiting period of three days for accidents and 14 days for illnesses after you sign up for a policy. But there is a long six-month waiting period before it covers knee joint injuries, also known as cranial cruciate ligament injuries.
There is no age cutoff, so you can purchase a plan for your pet at any time. Keep in mind, though, that like most pet insurers, Progressive increases rates as your pet ages.
Progressive offers insurance in all 50 states and Washington, D.C. or internationally through Pets Best.
Discounts:
- Progressive discount (5% — accident and illness plans only)
- Annual payment (up to $24 per year)
Progressive by Pets Best is a great option for pet owners who want affordable, customizable policies for their pets. In addition to a 5% discount for any of Progressive’s three accident and illness plans, pet owners have two wellness plan add-ons. When compared to the national average of $40 per month, Progressive also comes in under average at $26 per month.
Pros and Cons
Pricing well below the national average for both cats and dogs
Provides vet-direct pay, not offered by most competitors
Unlimited annual coverage option
Offers one accident-only and three accident-and-illness options plus two wellness add-on plans
Charges $2 transaction fee added for all monthly, quarterly or semi-annual payments
Advertises multi-pet discount but discount did not appear on any quote we applied for
Enforces a six-month waiting period for cranial cruciate ligament (knee joint) injuries
How Progressive Scored in Our Methodology
Progressive earned 4.7 of 5 stars overall in our pet insurance provider review. It earned top scores of 5 out of 5 stars in the coverage, availability and customer experience categories. It leverages its partnership with Pets Best to offer customizable accident and illness coverage and fast, reliable claims processing, while offering a number of ways to get in touch with customer service if you have any concerns.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
Flip Card
Progressive Pet Insurance Rating
Compare Progressive Pet Insurance to Other Pet Insurance Companies
Use the table below to directly compare Progressive with our other top pet insurance picks.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
| Company | Monthly Cost | Star Rating | Accident Waiting Period | BBB Rating | |
|---|---|---|---|---|---|
|
$33 to $41
|
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3 days
|
A+
|
|
|
|
$36 to $126
|
|
14 days
|
A+
|
||
|
$27 to $83
|
|
14 days
|
A+
|
||
|
$24 to $76
|
|
48 hours
|
A+
|
||
|
$22 to $57
|
|
15 days
|
A+
|
||
|
$28 to $60
|
|
15 days
|
A+
|
||
|
$35 to $50
|
|
14 days
|
A+
|
|
|
|
$22 to $57
|
|
3 days
|
D-
|
| Company | BBB Rating | Monthly Cost | Star Rating | Accident Waiting Period | |
|---|---|---|---|---|---|
|
A+
|
$33 to $41
|
|
3 days
|
|
|
|
A+
|
$36 to $126
|
|
14 days
|
||
|
A+
|
$27 to $83
|
|
14 days
|
||
|
A+
|
$24 to $76
|
|
48 hours
|
||
|
A+
|
$22 to $57
|
|
15 days
|
||
|
A+
|
$28 to $60
|
|
15 days
|
||
|
A+
|
$35 to $50
|
|
14 days
|
|
|
|
D-
|
$22 to $57
|
|
3 days
|
What Does Progressive Pet Insurance Cover?
Progressive offers more plan and customization options than many competitors. Unlike competitors such as Lemonade, who don’t offer accident-only plans, Progressive offers a low-cost accident only plan with the possibility of a wellness add-on.
When you’re getting an online quote, you can see how your premium changes for your accident and illness plans as you change the one of five deductible options, coverage limits or reimbursement amounts. And if you need pet insurance for multiple pets, you can customize those options for each pet.
Progressive’s Plan Offerings
Progressive offers one accident-only plan and three accident-and-illness plans. There are preventive care add-ons (such as coverage for vaccinations, spay/neuter and bloodwork) for either type of plan covered in the next section.
- Accident-only: This low-cost plan (just $9 per month for dogs and $6 for cats) covers your pet in the event of an accident such as trauma, bites, car injuries, bone fractures or torn nails.
- Accident and Illness Essential: The bottom-tier accident and illness plan covers accidents, illnesses, cancer, hereditary conditions, emergency care, surgery and prescription meds.
- Accident and Illness Plus: The most popular middle-tier plan covers everything in the Essential plan as well as accident and illness exam fees.
- Accident and Illness Elite: The highest-tier plan covers everything in the Essential and Plus plans and adds rehabilitative, acupuncture and chiropractic coverage.
| Condition or Treatment | Accident Only | Accident and Illness Essential | Accident and Illness Plus | Accident and Illness Elite |
|---|---|---|---|---|
| Accidents | ✓ | ✓ | ✓ | ✓ |
| Cancer treatment | ✓ | ✓ | ✓ | |
| Emergency Care | ✓ | ✓ | ✓ | |
| Hereditary conditions | ✓ | ✓ | ✓ | |
| Illnesses | ✓ | ✓ | ✓ | |
| Prescription medicine | ✓ | ✓ | ✓ | |
| Rehabilitation, acupuncture and chiropractic care | ✓ | |||
| Surgery | ✓ | ✓ | ✓ | |
| Veterinary exam fees | ✓ | ✓ |
Customizable Coverage Levels
Progressive by Pets Best allows you to customize your coverage levels. You can adjust your deductible, reimbursement rate or annual limit to find a premium that meets your budget.
The quote process is transparent, so you’ll be able to see exactly how much you’re paying before buying coverage. You also have the option to pay monthly, quarterly, semi-annually or annually (which will save you $24 per year in transaction fees).
Progressive offers a generous six deductible options: $50, $100, $200, $250, $500 or $1,000. Note that the $50 deductible level is only available for accident-only plans. The higher the deductible, the lower the monthly premium cost.
Progressive offers standard 70%, 80% or 90% reimbursement rates. A higher reimbursement rate will increase your monthly premium.
Progressive by Pets Best offers three annual limit options — $5,000, $10,000 or unlimited. Unlimited coverage typically comes with a higher premium price.
Wellness Plans
Progressive by Pets Best policyholders have two optional preventive care add-ons with no waiting periods or deductibles required. Each wellness plan comes with an annual benefit you can use toward covered services:
- EssentialWellness: Up to $50 per year for wellness exams, up to $20 for a microchip, up to $45 for vaccinations, up to $90 for diagnostic panels and up to $100 for preventive medicines (up to $305 in annual reimbursement).
- BestWellness: Includes all of the benefits of the EssentialWellness plan plus additional microchip coverage, up to $150 for spay/neuter and teeth cleaning and higher limits for diagnostic panels and preventive medicines (up to $535 in annual reimbursement).
| Service Covered | EssentialWellness | BestWellness |
|---|---|---|
| Monthly cost | $19 | $29 |
| Annual reimbursement amount | $305 | $535 |
| Diagnostic panel | $90 | $125 |
| Microchip | $20 | $40 |
| Preventive medicine | $100 | $115 |
| Spay/neuter surgery and teeth cleaning | $0 | $150 |
| Wellness exam | $50 | $50 |
| Vaccination or titer | $45 | $55 |
What’s not covered by Progressive
Here are the items not covered by any Progressive pet insurance policy:
- Pre-existing conditions
- Preventive care
If you sign up for an accident-only plan, know that these items are additionally not covered:
- Cruciate ligament injuries
- Any illnesses or diseases, including bacterial or viral diseases, parasitic infections, metabolic disorders or cancer
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
How Much Does Progressive Pet Insurance Cost?
Based on our research, the average cost of a Progressive by Pets Best insurance policy is $35 per month for dogs and $17 for cats — but keep in mind that pet insurance premiums are based on several factors, such as your pet’s age, breed and where you live.
Prices will also vary depending on the level of coverage you select. For example, our team found that the minimum cost of an accident-only plan from Progressive was $9 for dogs and $6 for cats, while maximum premium prices were $93 for dogs and $56 for cats, with the most expensive wellness package added on.
The following table outlines the costs our team gathered for each of the plan options offered by Progressive by Pets Best, including accident-only, three levels of accident and illness coverage, and wellness plans.
| Plan | Accident Only | Accident and Illness Essential | Accident and Illness Plus | Accident and Illness Elite |
|---|---|---|---|---|
| Average Cost | $7.50 | $30 | $33 | $33 |
| Summary | Provides coverage for veterinary treatment needed due to accidents, such as trauma, poisoning, fractures or wounds, but excludes illnesses and routine care. | Offers core accident and illness coverage including surgeries, prescriptions, cancer care, hereditary conditions and emergency treatments. | Expands on the Essential plan by adding coverage for accident and illness exam fees. | Provides the most comprehensive coverage, including all treatments in the Essential and Plus plans along with rehabilitative services, acupuncture and chiropractic care. |
Our team based the above quotes on four representative pets:
- A 5-year-old male, mixed-breed dog
- A 2-year-old female golden retriever
- A 5-year-old male, mixed-breed cat
- A 2-year-old female Siamese cat
Progressive Insurance by Pets Best averages $26 per month — that’s around 35% cheaper than the national average of $40 per month. While we don’t have price comparisons for every state, we recommend getting an online quote to check your price against competitors, as Progressive by Pets Best has affordable prices. However, if you’re quoted prices by Progressive’s other underwriter, Companion, they tend to offer only two plans instead of four, and prices tend to run much higher, in our experience.
Progressive vs. Lemonade
Lemonade only offers one accident and illness plan — it does not have varying tiers of coverage or an accident-only plan. However, the company does offer wellness care add-ons similar to Progressive by Pets Best. Progressive by Pets Best offers cheaper average prices than Lemonade, which charges an average of $46 per month for dogs and $21 for cats, but Lemonade offers discounts for bundling, which Progressive by Pets Best does not.
The two companies also enforce similar waiting periods. However, unlike Progressive, Lemonade has an upper age limit of 13 years for enrolling new pets and does not sell policies in every state.
| Progressive | Lemonade | |
|---|---|---|
| Reimbursements | 70%, 80% or 90% | 70%, 80% or 90% |
| Deductibles | $50, $100, $200, $250, $500 or $1,000 | $100, $250, $500 or $750 |
| Annual Limits | $5,000, $10,000 or unlimited | $5,000, $10,000, $20,000, $50,000 or $100,000 |
| Average Cost for Dogs | $35 | $46 |
| Average Cost for Cats | $17 | $21 |
You can learn more by reading our Lemonade Pet Insurance Review.
Progressive vs. Spot
Spot has extensive, customizable coverage, but its premiums are higher than Progressive by Pets Best. Like Progressive, Spot offers an accident-only plan, an accident-and-illness plan and an add-on option for wellness care.
Both Spot and Progressive have no upper age limit for enrolling pets, which is handy if your pet is older. Although neither Progressive nor Spot covers pre-existing conditions, Spot will cover curable pre-existing conditions if a pet remains treatment- and symptom-free for at least six months. And unlike Progressive, Spot has no extended waiting period for cruciate ligament injuries.
| Progressive | Spot | |
|---|---|---|
| Reimbursements | 70%, 80% or 90% | 70%, 80% or 90% |
| Deductibles | $50, $100, $200, $250, $500 or $1,000 | $100, $250, $500, $750 or $1,000 |
| Annual Limits | $5,000, $10,000 or unlimited | $2,500, $3,000, $5,000, $7,000, $10,000 or unlimited |
| Average Cost for Dogs | $35 | $37 |
| Average Cost for Cats | $17 | $24 |
You can learn more by reading our Spot Pet Insurance Review.
Sign-up, Claims Filing and Payout Processes
Progressive makes it easy to get a pet insurance quote. On the website, enter your ZIP code and “Pet” under Product. For most customers, you’ll be taken to Progressive by Pets Best.
Pets Best is our preferred underwriter for Progressive, since as one of our top-ranked insurers, it offers cheap pet insurance premiums and four coverage options, unlike Companion, Progressive’s alternative underwriter, which has higher rates and only two plans. Look for a “Progressive by Pets Best” logo at the top left-hand corner of the page when entering your name and address for a quote. If you don’t see that logo, you can call Progressive for more information.
First, you’ll enter your pet’s information, including their breed, age and gender. You will also need to provide your name, ZIP code, email address and optionally, your phone number. Then click the “Get quote” button at the bottom of the page to see your options. You can see details, including costs, limits and deductibles, for the accident-only plan and accident and illness plans by clicking on their respective tabs at the top of the page.
Filing a claim with Progressive by Pets Best involves taking a picture of your paid invoice in the mobile app and answering a few questions about the veterinary visit. Other options include uploading the claim to the customer portal or submitting it by email, fax or mail.
Once Progressive by Pets Best receives your claim, it enters it into a claims adjudication system for processing. A claims staff member, which includes veterinarians and veterinary technicians, reviews the details and your pet’s coverage to determine if it is eligible for reimbursement. If the claim is approved, the policyholder is reimbursed based on their chosen reimbursement level, minus the deductible amount and any ineligible services. The company reimburses policyholders by direct deposit or by a check it sends through the mail.
Pets Best also offers vet-direct pay, which allows you to claim reimbursement for covered treatments upfront at the time of service, rather than filing a claim afterward.
Progressive’s Waiting Periods and Age Restrictions
After your pet is enrolled, you’ll have to wait a certain period of time before being eligible for coverage. This is a common practice among pet insurers and is designed to prevent fraud, so that pet owners cannot buy insurance after a pet is injured or ill.
Waiting periods for Progressive by Pets Best vary by condition, including:
- Accidents: Three days
- Illnesses: 14 days
- Cruciate ligament conditions: Six months
Progressive will only enroll pets that are seven weeks or older. The company has no upper age limit for enrolling older pets, but plans for senior pets are more expensive than for younger pets, based on quotes we gathered. A midrange accident and illness policy for a 5-year-old mixed-breed dog averages $38 — and the same policy for a 10-year-old mixed-breed dog averages $105 per month.
Frequently Asked Questions about Progressive
Yes, we rated Progressive by Pets Best pet insurance highly for its competitive monthly premiums, multiple policy options including accident-only, accident and illness and add-on wellness plans and for its wide range of covered treatments.
Yes, Progressive pet insurance has an option where your vet can be paid directly. This way, you don’t have to pay out of pocket and then wait for reimbursement.
Progressive pet insurance is offered through Pets Best, a highly-rated pet insurer that offers a wide range of customizable coverage in all 50 states and Washington, D.C.
Yes, Progressive pet insurance covers dogs and cats. You can choose from one of four plans to cover accidents, illnesses and/or wellness plans (such as routine vet visits and vaccinations).
