Progressive offers affordable accident and illness and accident-only insurance plus preventative care coverage through its partnership with Pets Best. The company boasts some of the lowest premiums in the industry along with an extremely simplified and affordable accident-only policy.
- PROS & CONS
- KEY TAKEAWAYS
Accident-only policy available
Thirty-day money-back guarantee
No age limits for pet coverage
24/7 pet help hotline
Flexible billing options
Policy not administered by Progressive
No option to bundle with other insurance policies
Limited annual coverage limits
Exam fees not included with some policies
- Progressive offers affordable pet insurance with add-on wellness coverage.
- An optional wellness rider covers prescriptions and rehabilitative treatments.
- Accident claims can be filed three days from enrollment.
- You can connect to a licensed vet via phone, chat, or email 24/7.
- Year Founded 1937
- Deductible $50 to $1,000
- Types of Services Available Accident-only insurance, accident and illness insurance
- Additional Features Wellness rider
- Official Website www.progressive.com/pet-insurance
Leading insurance company Progressive began offering affordable pet insurance through Pets Best in 2009. As a result of this partnership, Progressive gives its customers 5% off of Pets Best’s already low premiums and the service and support of one of the oldest pet insurers in the U.S.
We reviewed Progressive’s coverage details and exclusions, add-on services, discounts, rates, customer service, ratings, and more to help you decide if its plans are right for you.
Company Overview: Affordable Pet Insurance for Any Budget
An innovator in the auto insurance industry, Progressive introduced the first drive-in claims location in 1937. Since then it has grown to become one of the largest insurance companies, offering a wide variety of vehicle, property, commercial, and personal insurance.
In 2009, Progressive partnered with Pets Best to provide its customers with affordable and comprehensive pet insurance. An innovator in its own right, Pets Best became the first pet insurance company in the U.S. in 1981 when veterinarian Dr. Jack Stephens set out to help pet owners who were forced to euthanize their injured and sick pets because they couldn’t afford the vet services that could save them.
Progressive offers policies with deductibles as low as $50 with no age limits for pets and waiting periods as short as three days. The company also lets you choose either $5,000 or unlimited annual coverage limits and 70%, 80%, or 90% reimbursement on vet bills for covered services.
Pets Best’s consumer ratings are mixed. Trustpilot gives the company an Excellent rating while Yelp rates it below average. Some bad Yelp reviews claim that the company can take months to review and settle a claim. The top Trustpilot reviews, on the other hand, laud Pets Best for its easy claims submission process and fast reimbursement.
Pets Best’s policies are underwritten by American Pet Insurance Company. Although the underwriter is not yet rated by AM Best, it received an A rating by Demotech, a similar agency that evaluates property and casualty insurers.
Policies Available: Accident and Illness
Progressive offers customizable accident and illness insurance and fixed accident-only coverage for dogs and cats. You can build a custom accident and illness policy using Pets Best’s online quote builder.
Progressive requires you to wait only three days after enrollment before you can file an accident claim and 14 days for illness claims. There is an additional six-month waiting period for cruciate ligament events and related conditions.
Accident and Illness
Progressive’s accident and illness policies are a little more complicated to customize than those of other providers. Once you enter your pet’s basic info and your ZIP code in the Pets Best quote builder, you’ll receive a breakdown of coverage based on three plans, the Essential Plan, the Plus Plan, and the Elite Plan.
You can customize your deductible, annual coverage limit, and reimbursement rate for each plan, and each has its own list of covered services.
Progressive’s base accident and illness plan doesn’t cover vet exams, so be mindful of which plan you choose when building your policy.
Progressive offers an accident-only insurance policy with a three-day waiting period. This plan is non-customizable and offers $10,000 in annual coverage, a $250 deductible, and 90% reimbursement. Coverage includes exams, X-rays, surgeries, hospitalizations, medications, and other treatments from accidents that result in the following:
- Bite (animal, insect, snake)
- Hit by car or moving vehicle
- Foreign body ingestion
- Bone fracture
- Laceration, cut, abrasion
- Torn nail
- Medical problems directly attributable to accidental injury
Progressive’s accident-only policy offers the same low price for your pet regardless of age or breed.
Other Add-Ons: Wellness Coverage
In addition to accident and illness insurance, Progressive offers two optional wellness care plans that will reimburse you for preventive and routine pet care. You can choose between the EssentialWellness plan for $16 per month with an annual limit of $305 or the BestWellness plan for $26 per month with an annual limit of $535.
The prices below indicate how much Progressive will pay for each service (up to your annual limit) depending on which plan you choose.
|Service||EssentialWellness Plan||BestWellness Plan|
|Heartworm test/FELV screen||$25||$30|
|Blood, fecal, parasite exam||$50||$70|
|Urinalysis or ERD||$15||$25|
Unique Features: Prescription Coverage
Progressive covers the cost of prescription medications used to treat covered conditions in its accident and illness and accident-only policies. However, coverage is limited to those items listed in the company’s formulary at www.PetsBest.com.
Unique Features: Rehabilitation, Acupuncture, and Chiropractic Care
Progressive offers coverage for alternative physical therapy or rehabilitative treatments to promote mobility and functional ability for physical impairments and disabilities. Coverage is part of your accident and illness policy, reimbursing you for the following treatments up to your reimbursement and annual limits:
- E-stim therapy
- Treadmill therapy
- Laser therapy
- Therapeutic exercises
- Range of motion exercises
- Joint mobilization
- Gait training
- Therapeutic ultrasound therapy
- Heat therapy
Plan Exclusions: Pre-Existing Conditions
As with most pet insurance plans, Progressive excludes coverage for pre-existing conditions. The following are also excluded from its accident and illness and accident-only policies:
- Injuries due to any intentional act, including organized dogfighting
- Breeding and conditions related to pregnancy
- Boarding and transport expenses, including ambulance transportation
- Anal gland expression
- Pet supplies and pet food
- Any condition resulting from activities related to training for or participating in racing
- Alternative and holistic treatments
- Experimental therapies and medications
- Conditions arising from a repetitive and specific activity
- Training and treatment of behavioral conditions
- Cremation and burial
Cost: Low Premiums With Flexible Coverage Options
Progressive’s premiums are some of the lowest we’ve come across, especially for policies with unlimited annual coverage. You’ll also be hard-pressed to find accident-only insurance for only $6 per month for cats and $9 per month for dogs regardless of age or breed.
To get a feel for how much the accident and illness insurance costs, we used the company’s online quote estimator to create the following two policies.
Accident and illness insurance for a mixed-breed, medium-sized (20–55 lbs.), three-year-old, female dog with unlimited annual coverage, a $500 deductible, and 80% reimbursement is priced as follows:
- Essential: $20.24 per month
- Plus: $23.61 per month
- Elite: $24.70 per month
EssentialWellness coverage added an extra $16 per month to each plan for $305 of annual coverage, and BestWellness added $26 per month for $535 of annual coverage.
Accident and illness insurance for a domestic longhair, one-year-old, male cat with unlimited coverage, a $500 deductible, and 80% reimbursement is priced as follows:
- Essential: $11.98 per month
- Plus: $13.98 per month
- Elite: $14.63 per month
Progressive offers a 5% discount for insuring two or more pets. You can also pay your premium monthly, quarterly, or annually to fit your budget. Finally, Progressive lets you cancel your policy for any reason within 30 days of your policy start date and will refund 100% of any premium paid as long as you haven’t been reimbursed for any claims.
Customer Service: Phone, Chat, Email, and 24/7 Help Line
Progressive makes it easy to file claims or make changes to your coverage by logging in to the Pets Best website or mobile app. You can also download and print a PDF claim form and submit it by email, fax, or mail. Note that Progressive may require you to submit your pet’s complete medical history and records to process your first claim.
Progressive doesn’t give an estimate on how long it takes to process claims on its website. However, the company claims to have reimbursements directly deposited to your bank in as little as two days or in five to seven days by mailed check once your claim is processed.
Progressive offers phone, email, and live chat support through Pets Best Monday through Friday from 6:00 a.m. to 7:00 p.m. and Saturday from 6:00 a.m. to 2:00 p.m. MST.
Finally, as a Progressive customer, you also get access to Pets Best’s 24/7 vet helpline where you can consult with licensed veterinary professionals via phone, live chat, and email at any time.
Competition: Progressive vs. GEICO
We compared Progressive’s pet insurance against one offered by another large-scale insurance company, GEICO.
Looking at the chart below, you can see that Progressive’s policy is far cheaper and offers more coverage for the money, including a lower deductible, a wider network, and unlimited annual coverage. Both insurers also cover prescription medications in their wellness plans.
There are a few significant differences, however. For one, GEICO’s flexible spending account (FSA) wellness plan covers the entire cost of covered treatments up to $650 rather than a set amount per service plus up to $1,000 for dental accidents and illnesses.
GEICO also has a more flexible set of exclusions than Progressive. However, its accident and illness policies are not available to pets 14 years or older. In the end, GEICO gives you more for the money, but only if you think you’ll use the additional coverage it offers.
|Animals Covered||Dogs and Cats||Dogs and Cats|
|Example Cost||$53.93 to insure a 3-year-old, medium-sized dog with 90% reimbursement, unlimited annual coverage, a $250 deductible, and $305 in wellness coverage||$73.76 to insure a 3-year-old, medium-sized dog with 90% reimbursement, $30,000 annual coverage, a $300 deductible, and $250 in wellness coverage|
|Coverage Type||Accident-only, accident and illness, wellness||Accident-only, accident and illness, wellness|
|Waiting Period||Accidents: Three days
Illnesses: 14 days
|Accidents: Two days
Illnesses: 14 days
|Network Size||Any licensed vet in the U.S. and Canada||Any licensed vet in the U.S.|
Overall, we were pleased by what Progressive offers through its partnership with Pets Best. We found some of the lowest premiums so far plus a fairly well-rounded wellness rider and an accident-only policy that couldn’t be simpler or cheaper based on our methodology.
We liked that Progressive offers deductibles as low as $50, which is fairly rare in the industry. We did find it odd, however, that it only offered a choice of $5,000 or unlimited annual limits rather than a broader range. Its option of three base accident and illness policies could be confusing as well since the base plan does not cover exam visits for covered conditions.
We also would have liked to see dental coverage included in Progressive’s wellness plans as well as reimbursement for prescription food, both of which are becoming increasingly more common among pet insurers.
In short, Progressive’s low premiums, simple and cheap accident-only plan, and decent wellness coverage make it a great choice if you’re on a budget but still want coverage for your pet.