Progressive Pet Insurance Review 2025
Progressive offers pet insurance policies through partnerships with Pets Best and Companion Protect. This review will examine the plans, coverage options, costs, and other details to help you determine if Progressive pet insurance is right for you.
Overview
Progressive provides pet insurance plans in collaboration with Pets Best and Companion Protect. Both offer customizable accident and illness plans, with options for adding preventive care coverage.
Pros:
- Offers many options for customizing accident and illness plans.
- Covers hereditary and breed-specific conditions.
- Vet direct pay option available.
Cons:
- No option to customize accident-only plan.
- Doesn’t cover vitamins or supplements.
Choose Progressive pet insurance if…
You’re an existing Progressive policyholder looking for a customizable plan.
About Progressive Pet Insurance
Progressive partners with Pets Best and Companion Protect to offer pet insurance. When you seek a quote online from the Progressive website, you’ll be directed to either Companion Protect or Pets Best. To compare both providers’ plans, you must call Progressive.
Both companies provide customizable accident and illness plans. These plans often include options to add coverage for preventive care expenses like vaccinations and checkups. Pets Best additionally presents an accident-only plan. However, supplements and vitamins are not commonly covered, and certain alternative coverages may involve additional costs.
Progressive Pet Insurance Plans and Coverage
The plans available depend on the third-party insurer.
Accident and Illness Coverage
The accident and illness plans often cover:
- Treatment for accidental injuries and illnesses, including cancer.
- Emergency care.
- Hospitalization.
- Surgery.
- Diagnostic testing.
- Behavioral conditions.
- Prosthetic devices and wheelchairs.
- Euthanasia.
Prescription medication coverage is usually included, but opting out may be possible by contacting Pets Best. Upgrades to these plans may include exam fees, acupuncture, and chiropractic care, alongside physical and hydrotherapy. Companion Protect’s accident and illness plan includes these features:
- Treatment for accidental injuries and illnesses, including cancer.
- Emergency care.
- Hospitalization.
- Surgery.
- Diagnostic testing.
- Medication.
- Euthanasia and cremation or burial.
- Prescription food for up to 60 days.
- Holistic and alternative treatments.
- Hydrotherapy.
Accident-Only Coverage
Progressive’s accident-only plan is available through Pets Best. It covers issues like broken bones, bite wounds, or injuries from swallowing foreign objects. This plan is offered at a fixed price based on whether your pet is a dog or a cat. However, it doesn’t cover illnesses.
Wellness Plans
Progressive offers wellness coverage through Pets Best and Companion Protect.
Pets Best presents two wellness coverage tiers to add to an accident and illness policy. The EssentialWellness plan helps pay for:
- Wellness exams.
- Microchipping.
- Vaccinations.
- Routine diagnostic tests and bloodwork.
- Heartworm, flea, and tick preventives.
- Deworming.
The BestWellness plan includes everything in the EssentialWellness plan with higher reimbursement amounts for some services and covers:
- Spaying and neutering.
- Teeth cleaning.
Companion Protect’s wellness plan, which can be added to an accident and illness policy or bought alone, covers:
- Wellness exams.
- Vaccinations.
- Flea, tick, and heartworm preventives.
- Vitamin supplements.
- Routine tests and bloodwork.
- Deworming.
- Dental cleaning.
Note: Coverage options and availability might vary by location, pet age, and breed.
What’s Not Covered
Progressive pet insurance plans (from Pets Best) typically do not cover:
- Pre-existing conditions (unless healed and requiring no further treatment).
- Elective and preventive procedures.
- Parasitic testing, treatment, and prevention.
- Food, vitamins, and supplements.
- Herbal, holistic, and alternative medications and treatments.
Progressive plans from Companion Protect don’t cover:
- Pre-existing conditions.
- Dental care outside of accident-related treatment.
- Vitamins or nutritional supplements.
- Declawing, dew claw removal, or debarking.
- Physical therapy or alternative treatments.
- Breeding, whelping, or queening.
- Spondylosis.
- Conditions from neglect or failure to use preventives.
Wellness plans from either company may only cover the services explicitly stated in the policy.
Progressive Plan Options
Options may differ depending on your pet, location, and the underwriting company.
Deductibles
A deductible is the amount you pay before your plan reimburses vet expenses. The accident-only plans generally have a $250 deductible. Accident and illness plan deductibles from Pets Best range from $50 to $1,000. Companion Protect accident and illness plans have $250, $500, or $1,000 deductible options. These deductibles usually apply annually.
Reimbursement Amounts
The accident-only plan typically reimburses 90% of vet bills after the deductible. Both Pets Best and Companion Protect offer reimbursement amounts of 70%, 80%, or 90% for their accident and illness plans.
Pets Best and Companion Protect calculate reimbursements differently. Pets Best applies the reimbursement percentage before the deductible. Companion Protect’s method applies the deductible first.
Example: For a $2,500 surgery with an 80% reimbursement and a $500 deductible:
- Pets Best: ($2,500 * 0.80) – $500 = $1,500 reimbursement.
- CompanionProtect: ($2,500 – $500) * 0.80 = $1,600 reimbursement.
Coverage Limits
The accident-only plan typically has a $10,000 annual limit. Pets Best accident and illness plans have annual limits of $5,000, $10,000, or unlimited. Companion Protect offers $5,000, $10,000, or $20,000 of coverage per year.
Restrictions and Waiting Periods
Age Restrictions:
- Pets Best: Minimum age is 7 weeks, no upper age limit.
- Companion Protect: Minimum age is 8 weeks for dogs and cats; dogs up to 10 years old and cats up to 12. No age restrictions for wellness plans.
Waiting Periods:
- Pets Best: Typically 3 days for accidental injuries, 14 days for illnesses, and 6 months for cruciate ligament conditions.
- Companion Protect: Usually no waiting period for accident coverage; 15 days for illness and 30 days for orthopedic issues. No waiting period for routine care.
Progressive Pet Insurance Sample Rates
The cost depends on the third-party provider, your location, pet’s age, and breed. Sample monthly rates are shown below for select breeds. These rates were for pets in Katy, Texas, with a $250 deductible, 80% reimbursement, and $5,000 annual coverage. All sample rates are from Companion Protect.
Dog Breeds:
Cat Breeds:
Progressive Pet Insurance Discounts
Pets Best offers:
- 10% discount for veterinary staff.
- 5% multipet discount.
- 5% discount for military members and their families.
Companion Protect offers discounts for insuring multiple pets or purchasing both wellness and accident/illness policies. Discounts may not be available in all states.
State Availability
Progressive, through Pets Best and Companion Protect, offers plans in all 50 states and the District of Columbia. Availability may change, and coverage might not be available for all pets in a given state.
Digital Experience
Progressive’s website provides basic information, but for quotes or policy purchases, it directs you to either Pets Best or Companion Protect. The Pets Best mobile app (Apple App Store & Google Play Store) allows for claim submissions and benefit access. Claims can also be filed and policy changes made via the Pets Best website.
For Companion Protect policies, the online portal manages the policy, as there is no mobile app.
How to File a Claim
For Pets Best, claims are submitted via the mobile app, website, email, fax, or mail. Paid invoices are required with submissions. The app allows photo uploads. Pets Best offers direct vet payments. Companion Protect claims are filed via an online portal, with reimbursement via check.
How to Contact Customer Service
- Pets Best: 877-738-7237 (Monday-Saturday), live chat available, 24/7 emergency vet helpline through the app or online account.
- Companion Protect: [email protected] or 866-442-7764 (Monday-Saturday), live chat available through customer portal.
