Progressive Pet Insurance Review - Logo

Cost (dogs):


Min. $9/month

Cost (cats):


Min. 6/month

Mobile App:


Android & iOS (Pets Best App)



Any licensed vet in US and Canada

Editorial Rating

Progressive Pet Insurance Review

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Cost (dogs):


Min. $9/month

Cost (cats):


Min. 6/month

Mobile App:


Android & iOS (Pets Best App)



Any licensed vet in US and Canada

Waiting periods:


3 days for accidents, 14 days for illnesses, 6 months for cruciate ligament injuries

Customer service:


Phone, mail, email, and fax

Progressive Pet Insurance Review - Logo

Editorial Rating

Besides being one of the largest car insurance providers, Progressive has a hidden gem: pet insurance for cats and dogs.

In our review, we will cover everything you need to know about this policy – including a summary of Progressive Pet Insurance consumer reviews – to help you make an informed decision when choosing an insurance policy for your beloved pet.

What Is Progressive Pet Insurance Best for?

The Progressive Pet Insurance policy is best for people who want to save money on their premium as the Progressive comprehensive coverage policy has a 5% discount. Furthermore, you can get an additional discount of 5% if you insure more than one pet.

Is Progressive Pet Insurance Legit?

Progressive was founded in 1937, and at first, only offered vehicle insurance. In 2017, the company was the 3rd largest auto insurer.

Progressive has partnered with Pets Best and now offers affordable pet health insurance.

Their policy is underwritten by American Pet Insurance Company (APIC) or Independence American Insurance Company (IAIC).

Progressive Pet Insurance Coverage

Progressive offers a few pet insurance plans to choose from, and each offers a different degree of coverage.

BestBenefit Accident and Illness Plan

  • Accidents
  • Illnesses
  • Cancer treatments
  • Hereditary and congenital conditions
  • Emergency care, hospitalization, and surgery
  • Prescription medications
  • Ongoing and chronic conditions
  • Diagnostics
  • Behavioral conditions
  • Prostate problems, uterine and ovarian conditions
  • Periodontal disease
  • Prosthetic devices and wheelchairs
  • Exam fees
  • Acupuncture and chiropractic treatments
  • Physical rehabilitation

Accident Only Plan

  • Broken legs
  • Snake bites
  • Accidental swallowing and other accidents

Wellness Routine Care Plan (added to any plan)

  • Covers up to a certain cost and has an annual limit

There are two types of Wellness Routine Care plans offered: EssentialWellness and BestWellness. These additional plans will only cover the cost up to a certain amount (e.g., up to $20 for deworming).

  • Spaying/neutering (EssentialWellness plan only)
  • Teeth cleaning
  • Rabies
  • Fleas/tick prevention
  • Heartworm prevention
  • Vaccination/titer
  • Wellness Exam
  • Heartworm test or FELV screen
  • Blood, fecal, parasite exam
  • Microchip
  • Urinalysis or ERD
  • Deworming

Progressive Pet Insurance Limitations

The dog and cat insurance offered by Progressive does not cover the following:

  • Pre-existing conditions
  • Elective and preventive procedures (e.g., tail docking, feline declawing, etc.)
  • Testing, treatment, and prevention of parasites (limited coverage is available with the BestWellness™ plan)
  • Non-veterinary expenses, special diets (e.g., taxes, grooming)
  • Herbal, holistic, and experimental therapies and medications

How Much Does Progressive Pet Insurance Cost?

BestBenefit Accident and Illness Plans

The Progressive monthly cost for the comprehensive coverage plan is:

  • Average between $35 and $58 per month for dogs
  • Average between $22 and $46 per month for cats

Accidents Only Plan

The Accidents Only Progressive insurance cost is:

  • $6 per month for cats ($7 per month in Washington)
  • $9 per month for dogs ($10 per month in Washington)

Wellness Routine Care Plan (added to any plan)

The Wellness Routine Care Plan can be added for an additional premium:

  • EssentialWellness – $16 per month ($14 per month in Washington)
  • Estimated annual benefits: $305
  • BestWellness™ – $26 per month ($30 per month in Washington)
  • Estimated annual benefits: $535

Progressive also offers the following discounts:

  • 5% discount applies to BestBenefit plans if you enroll through Progressive instead of PetsBest (discount not available in AK, FL, HI, TN)
  • 5% multiple-pet discount

The Progressive Pet Insurance deductible ranges between $50 and $1,000.

Progressive Pet Insurance Customer Service

As Progressive offers the Pets Best policy, claims are submitted through the Pets Best customer account and app.

Clients also have access to a 24/7 Pet Helpline.

Support can be reached between 5 AM and 7 PM Monday – Friday, or 6 am – 2 pm Saturdays, MST.

Progressive Pet Insurance User Reviews

It is hard to find Progressive Pet Insurance reviews from clients online, as their main insurance policy is vehicle insurance. In the Progressive Insurance reviews left by clients on popular consumer review sites, policyholders ususally talk about their auto insurance policies.

Furthermore, Progressive offers a pet health insurance policy through Pets Best – which means that Pets Best processes Progressive claims.

As most Progressive insurance reviews come from clients using their other policies, we focused on Pets Best pet insurance reviews.

The Positives

Clients are mostly satisfied with the affordable cat and dog insurance prices, when compared to competitor policies. In addition, the Progressive claims process (or Pets Best) is simple.

The Negatives

The downside of this affordable pet insurance is the claims processing time. Clients were eager to get reimbursed for their bills only to find out that it takes around 20 days for their claim to be processed.

Is Progressive the Best Pet Insurance?

The best thing about Progressive insurance is the competitive pricing. Even though Progressive offers a pet insurance policy by Pets Best, all the other types of insurance they offer (auto, home) are fairly affordable.

We looked into what customers are saying about the company by looking up both Progressive Pet Insurance reviews and general Progressive insurance reviews. Unfortunately, we couldn’t find any Progressive pet insurance reviews on Reddit. However, a few users made posts regarding their prices. They all noticed that Progressive consistently offers the lowest insurance quotes.

Progressive (by Pets Best) vs Healthy Paws

Healthy Paws has a better reputation as a pet insurance company – additionally, the company only focuses on pet insurance, whereas Progressive is mainly known as one of the most affordable auto insurance providers.

Unlike Healthy Paws, Progressive has a more customizable pet insurance policy: a deductible ranging from $50 to $1,000 and an annual limit of either $5,000 or unlimited.

You can use an app to submit your claim with both insurance providers. However, there are multiple Progressive Pet Insurance reviews from 2020 by clients claiming that they have been waiting for weeks to get reimbursed. Healthy Paws, on the other hand, claims to process most of their claims in just a few business days.

To find out if Healthy Paws has the best dog insurance (or cat insurance!) policy for you, check out our detailed review.

Progressive (by Pets Best) vs Trupanion

Both Progressive and Healthy Paws have an annual deductible. In contrast, Trupanion has a lifetime per condition deductible.

If you have an older pet with a lot of pre-existing conditions that won’t be covered by Trupanion or Healthy Paws, then you have the option to enroll in the Accidents Only Plan offered by Progressive.

For more information about Trupanion, have a look at our review.

Wrap Up

Progressive is a well-established insurance company, offering different types of policies at affordable prices.

Their pet insurance policy is best for pet owners that want to save a few bucks when insuring their four-legged friends.


  • Vet Direct Pay
  • 24/7 Pet Helpline
  • Multiple pet discount
  • Multiple policy options
  • Optional routine care coverage
  • Accidents only plan for $6 to $9 per month
  • Monthly, quarterly, and annual payment plans
  • No maximum pet age restriction for enrollment


  • $2 transaction fee
  • 14 days waiting period for illnesses
  • 6 months waiting period for cruciate ligament injuries
Progressive Pet Insurance Review - Logo

Editorial Rating


Does Progressive offer pet insurance?

Progressive offers cat and dog insurance by Pets Best.

How much does Progressive cost a month?

The Accidents Only Plan will only set you back $6 per month for cats and $9 per month for dogs. The Progressive pet health insurance, which covers both accidents and injuries, costs between $22/month and $58/month on average.

What is the pet insurance discount through Progressive?

Progressive offers a 5% discount on a BestBenefit policy, plus an additional 5% multiple-pet discount.

Is Progressive insurance month to month?

You have the option to pay your premium monthly, quarterly, or annually.

What is the best pet insurance company?

When looking for the best cat insurance or the best dog insurance policy, there are a few things to consider. To start off, no pet insurance company covers pre-existing conditions. This is why it is better to get pet insurance as soon as possible if you are planning on getting it. If your pet is older with a lot of pre-existing conditions that won’t be covered by most policies, you can enroll in the Accidents Only Plan by Progressive.

Make sure to always shop around and compare quotes for a more detailed pet insurance comparison.
And lastly, look into genuine reviews from consumers. Reddit is a good place where you can research pet insurance, as the companies cannot claim their profiles or control what people are saying. You can google a post about the best pet insurance on Reddit and find out what the best pet insurance companies are, according to pet owners.

Pet insurance isn’t one size fits all – a policy that is affordable for one pet owner may have limited and expensive coverage for another pet owner.

Is Progressive a good insurance company?

Progressive is considered to be one of the best insurance companies. Since pet insurance is provided by Pets Best, you can check what customers think about them and basically consider their opinions Progressive Pet Insurance reviews. Pets Best is known for its competitive prices, and the main complaints are about the time it takes for claims to be reimbursed.