• PETS: Dogs/Cats
  • AGE LIMIT: No Upper Age
  • DEDUCTIBLES: $50-$1,000

2022’s Progressive Pet Insurance Reviews, Coverage, Claims

  • PETS: Dogs/Cats
  • AGE LIMIT: No Upper Age
  • DEDUCTIBLES: $50-$1,000

Best For

Those Looking for Customizable Plans


  • Deductibles between $50-$1,000
  • Customizable coverage plans
  • Medical coverage dogs and cats of all breeds
  • Free coverage for pet injuries incurred from vehicle accidents


  • No coverage of non-medical procedures
  • No coverage of pre-existing conditions
  • No coverage options for exotic pets

Progressive Insurance is one of the largest insurance companies in the US and has been in the industry since 1937. It has been on Fortune’s list of 100 Best companies to work for, for 3 consecutive years. It offers a wide range of products – from personal life insurance to phone and electronic device insurance.

But does Progressive have pet insurance? Yes! In 2007, Progressive joined forces with Pets Best to create a Progressive Pet Insurance unit. You can read more about Pets Best insurance on our best pet insurance companies’ list. Progressive pet health insurance offers trustworthy medical insurance for dogs and cats at least 7 weeks old.

Progressive Pet Insurance reviews are found all over the place. Our team of expert reviewers will shine a light on the services provided by the company and what pros and cons are involved. Here we go!

Key Progressive Pet Insurance Details

The standout feature of Progressive Pet Insurance is that they offer three insurance options for cats and dogs of any breed.

Policyholders can choose between:

  • accident-only care
  • illness care
  • wellness care

Their affordable and customizable plans and coverage make the company one of the best pet insurance providers in the market.

Let’s see what they offer:

  • Policyholders can choose a payment plan that fits their needs (monthly, quarterly, or annual)
  • Reimbursement on claims takes only 2-5 days on average
  • Deductibles are taken only once per year, not per claim
  • There’s no maximum age limit for pets
  • All dog and cat breeds are covered
  • A seamless online experience
  • Coverage includes emergency care, accidents, vaccinations, dental cleanings, chronic diseases, and much more

Progressive Pet Insurance Coverage and Plans

Offering 3 pet insurance policies, Progressive aims to provide customizable plans that fit your circumstances. As an added bonus, Progressive provides affordable pet insurance with a 5% discount for clients who insure more than 1 pet.

The three Progressive Pet Insurance coverage plans are as follows:

BestBenefit Accident and Illness Plan

According to Progressive Pet Insurance reviews, this is the most popular plan because of its comprehensive coverage. With this plan, your pet is covered for all illnesses and accidents. This includes minor to severe illnesses, ranging from skin infections and allergies to heart disease and diabetes.

Valuable treatments included in this comprehensive plan are:

  • Emergency care
  • Visiting a specialist
  • Hospitalization
  • Prescription medicines
  • Surgery (not cosmetic)
  • Behavioral therapy
  • Diagnostic testings such as X-rays, CT scans, MRIs
  • After-hours emergency care
  • Prosthetics and mobility aids

Accident Only Plan

This plan is designed for members with a limited budget. The Accident Only plan can cost as little as $6 per month and covers the following:

  • Broken legs or bones
  • Bite wounds from other animals
  • Claw wounds from other animals
  • Lacerations
  • Accidental swallowing of sharp objects

Please note that the Accident Only plan doesn’t cover any illnesses, only accidental injuries.

Wellness Routine Care Plan

Progressive’s Wellness Routine Care Plan can either be purchased individually or as an add-on to any of the other two pet insurance plans & coverages. It covers extra medical procedures like:

  • Dental cleaning
  • Wellness examinations and check-ups
  • Blood work laboratory testings
  • Vaccinations
  • Preventative treatments for heartworms, ticks, and fleas

All pet insurance plans & coverages by Progressive only apply for pet owners within the United States.

Exclusions & Limitations

Pre-existing conditions, as well as illnesses and injuries related to pre-existing conditions, aren’t covered.

New policyholders should wait the recommended 14 days before taking their pet to the vet. In many cases, claims are denied because the new policyholder didn’t observe the full 2-week waiting period before incurring medical costs at the vet.

Annual limits for reimbursements are set to either $5,000 or an unlimited amount. Your monthly premium will depend on this factor.

Progressive Pet Insurance Claims & Repayment

Progressive’s excellent digital platform makes the claim process seamless. Уsing Progressive’s digital platform, you can:

  • pay bills
  • update policies
  • request quotes
  • submit claims
  • view the current status of your policy

The claims process takes no longer than 3 days, with reimbursements being finalized no later than 5 days after the claim. Depending on your reimbursement level (indicated as a percentage), Progressive will indemnify expenses that you are eligible for.

When your pet gets treated for an illness or injury, you’ll have to pay the vet directly. After you’ve made a payment, you can file a claim to Progressive Pet Insurance for reimbursement.

If your plan covers 70%, you’ll be reimbursed 70% of the total amount of costs incurred minus your deductible. The higher your reimbursement level the better.

Pricing & Deductibles

You can purchase insurance for your cat or dog once they are 7 weeks old. Depending on how much coverage you want, your Progressive Pet Insurance cost can be as little as $1 per day. Typically, you’ll have to pay a monthly pet insurance fee with policies being set to an automated renewal annually.

Accident and illness plans are completely customizable and you can choose your annual deductible that ranges between $50-$1,000. Reimbursement percentages range from 70%-90%. And annual limits can either be unlimited or set to $5,000.

Progressive Pet Insurance customer reviews state that requesting a quote is an easy process. You can either phone a consultant on 1-877-298-0639 or request a quote using their online service. There is another option of downloading the Progressive Insurance app onto your smart device to track claims and receive further information.

Prices depend on your:

  • deductible
  • reimbursement level
  • location
  • pet’s breed and age

Luckily, your cat or dog can be enrolled at any age and then keep the same level of coverage as they get older.

On average, a minimum monthly premium for Progressive Pet dog insurance coverage is $35-$40 and $28-$34 for cats.

Policyholders should be aware of their yearly cap ($5,000 or unlimited). Once the cap has run out, you have to wait until the next year before you can claim again.

Customer Service

So, how good is Progressive Pet Insurance?

There are countless great reviews of their customer service all over the internet. Their customer service agents can be contacted via phone, email, social media platforms, and online chat services.

Customers can use Progressive’s well-designed mobile app to communicate with consultants.

All answers to frequently asked questions can be found on Progressive Insurance’s website.

Moreover, they even provide a 24/7 Pet Helpline that answers all your pet-related questions.

Pros Cons
Offers medical coverage for both dogs and cats of all breeds Some non-medical procedures aren’t covered, for example, grooming, cosmetic, and elective procedures
Have customizable coverage plans with deductibles ranging between $50-$1,000 Doesn’t cover any pre-existing conditions
You can save 5% on a BestBenefit policy No coverage options for exotic pets
When you insure more than one pet you get a 5% discount
Policyholders can use any licensed veterinarian
Free coverage for pet injuries incurred from vehicle accidents
No upper age limit coverage
Recommended as one of the best pet insurance providers by many satisfied members

Progressive Pet Insurance Reputation

Progressive does have a BBB rating of A+. Keeping in mind that the company has many other insurance policies available for household and auto goods, the pet insurance section created by Pets Best has received just as much praise as the umbrella company itself.

On the internet, the average Progressive cat and dog health insurance review is usually positive. 365 Pet Insurance gives Pets Best pet insurance a rating of 4.8/5. Another excellent overall rating of 4.4/5 is given by ConsumersAdvocate.org and 4/5 by ExpertInsuranceReviews.com.

With over 500,000 likes on Facebook and almost 1,000 positive reviews, it’s fair to say that Progressive has a great reputation, both as a corporation and as an insurance provider.

Why Progressive Pet Insurance?

To ensure your four-legged friend’s health and well-being, investing in Progressive Pet Insurance is absolutely worth it. Progressive Pet Insurance reviews on the internet, including our own, proves that this is one of the top pet insurance companies on the market.

It is clear that Progressive, with its 83 years of experience, is in a position to provide the best insurance services for its clients. It joins hands with Pets Best to offer their customers a great pet insurance option.

If you opt for Progressive Pet Insurance, you’ll be in safe hands with a company that not only provides customizable coverage plans to fit your budget and your pet’s needs but also has the relevant experience as an accredited insurance provider.

Last but not least, if you are passionate about the animal industry we have prepared a pet statistics article with amazing facts, including topics about the online pet industry, pet ownership stats, and much more.


Does Progressive Pet Insurance offers any discounts?

Yes! When you insure more than one pet you get a 5% discount. Furthermore, you can save 5% on a BestBenefit policy.

Which breeds are covered?

Progressive Pet Insurance offers medical coverage for both dogs and cats of all breeds. There are no coverage options available for exotic pets.

Is there a list of veterinarians Progressive Pet Insurance works with?

Policyholders can use any licensed veterinarian or a clinic.