Progressive Pet Insurance Reviews

Progressive doesn’t directly offer pet insurance. Instead, it refers pet owners to Pets Best for coverage. Since 2005, Pets Best has offered customizable pet insurance for cats and dogs, covering accidents, illnesses, cancer and hereditary conditions. Coverage is available in all 50 states.

Progressive customers who sign up for Pets Best through the company’s website don’t appear to get any additional benefits or discounts compared to general users who sign up directly with Pets Best.

Progressive Pet Insurance has no breed restrictions, and pets can be enrolled as young as seven weeks old, provided they are in good health. Like most pet insurance companies, Progressive doesn’t cover preexisting conditions, and there’s a waiting period before your coverage takes effect.

The following waiting periods apply:

• Accidents: Three days
• Illnesses: 14 days
• Cruciate ligament conditions: Six months

Pets Best offers three core plans: Essential, Plus and Elite. Each plan covers accidents, illnesses, cancer, hereditary conditions, emergency care, surgeries and prescription medications. The Plus plan delivers additional coverage for exam fees related to accidents and illnesses. The Elite plan covers everything in the first two plans while adding coverage for rehabilitative services, acupuncture and chiropractic care.

Coverage can be customized by selecting a reimbursement percentage, an annual limit and a deductible. These options allow customers the flexibility to adjust their plans to meet both their budget and their pet’s needs.

Once enrolled in the program, pets can go to any licensed veterinarian in the U.S. or Canada for care. Claims may be submitted and tracked through the Pets Best mobile app or online portal. You can make changes or cancel your policies through Pets Best, subject to certain terms and conditions.

Pets Best offers three main plans, each with optional wellness add-ons for routine care like vaccinations and flea and tick prevention.

• Essential covers accidents, illnesses, cancer, hereditary conditions, emergency care and prescription medications.
• Plus adds coverage for exam fees related to accidents and illnesses.
• Elite includes coverage for rehabilitative care, acupuncture and chiropractic services.

Plans exclude preexisting conditions, routine care (e.g., vaccinations or deworming) and holistic therapies.

Progressive Pet Insurance offers a range of customizable options that affect the pricing for each plan. The following quotes apply to a two-year-old male Golden Retriever in New York (10004 zip code). Pricing is accurate as of publication.

The company offers a 5% multipet discount for insuring more than one pet.

Add-on wellness plan pricing

Wellness plans cover common routine items such as vaccinations, flea and tick prevention, and wellness exams for an additional monthly fee.

• Essential Wellness costs $16 per month and covers up to $305 per year with no deductible.
• Best Wellness costs $26 per month and covers up to $535 per year with no deductible.

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Progressive pet insurance may be worth it for pet owners with hard-to-insure breeds or senior pets since it has no breed restrictions or upper age limits. It also offers flexible reimbursement options, allowing customization based on budget and needs.

However, signing up through Progressive doesn’t provide any additional benefits or discounts. Given reports of claims denials and rate increases in customer reviews, most shoppers should compare other pet insurance providers before choosing Progressive.