Progressive Review

ByJacob ParkerDec. 31, 2020
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In a Nutshell

Progressive is an insurer with a track record that goes back over 80 years. It first began operating as an insurer way back in 1937, and the company has offered pet insurance since 2005. As you’ll find out over the course of this Progressive pet insurance review, the Progressive service is worth considering thanks to its combination of low premiums and comprehensive coverage.


  • No pet age limits
  • Simple accident-only policy
  • Affordable coverage options


  • Exam fees not included in all policies
  • No coverage for pre-existing conditions

Progressive Progressive Visit Site

Progressive Pet Insurance at a Glance:

Pets covered Dogs and cats
Waiting period New policyholders must wait at least 14 days before taking their pet to a vet
Deductible $50 to $1,000
Reimbursement model 70% to 90%
Suitable For Pet owners who want flexible coverage from a trustworthy insurer

What’s Covered? 

Coverage varies according to the specific Progressive insurance plan you choose. A basic accident-only plan is available, but coverage for extra add-ons such as wellness treatments are also available. The following costs can all be claimed for through Progressive:

  • Illnesses and conditions like arthritis, diabetes, cancer, epilepsy, and glaucoma
  • Allergies
  • Skin and ear infections
  • Injuries such as broken bones, bite and claw wounds and lacerations
  • Ingestions
  • Hip and elbow dysplasia
  • Cherry eye
  • Emergency care
  • Diagnostic testing
  • Blood testing
  • Specialist visits
  • Hospitalization
  • Surgery
  • Prescription medication
  • Behavioral therapy
  • Prosthetics and mobility aids
  • Wellness exams and check-ups
  • Dental cleanings
  • Vaccinations

Insurance Plans & Pricing

Progressive offers 3 affordable coverage options to choose from. The cheapest of these is the Accident Only plan which covers the cost of treatments when pets are injured. For $6 to $10 per month, this package pays out for broken bones, bite and claw wounds, lacerations, and other common injuries.

The middle coverage option is the BestBenefit Accident and Illness Plan, which is advertised as Progressive’s most popular package. For $28 to $40 per month, depending on which optional benefits you go for, this covers all illnesses and injuries. If you take out a BestBenefit subscription, Progressive will payout for emergency care, diagnostic testing,  hospitalization, and many other costs. Although the BestBenefit packages cost more than the Accident Only plan, the price is worth the peace of mind for many pet owners.

Finally, there’s the Wellness Routine Care Plan, which can be purchased individually or as an add-on to Progressive’s other coverage options for $26 a month. A $16 per month version with a reduced level of annual benefits is also available. This add-on covers wellness fees like exams and check-ups, teeth cleaning, vaccinations, and more.

What’s Not Covered

Pre-existing conditions, including illnesses and injuries related to them, aren’t covered by Progressive’s pet insurance policies. Neither are preventive, elective, or cosmetic procedures.

Waiting Periods

All new policyholders must wait at least 14 days before taking their pet to a vet after starting a Progressive policy. Also, you can only purchase a Progressive pet insurance policy for your dog or cat once they are at least seven weeks old.

When filing a claim for a vet visit, pet owners can expect to wait around 2 days for an injury claim reimbursement and around 14 days for an illness claim reimbursement. 

Coverage Limits

Annual limits for reimbursements are set at either $5,000 or an unlimited amount based on the monthly premium you choose.

Reimbursement and Deductibles

Depending on the reimbursement level, which ranges from 70% to 90%, Progressive will cover your expenses after your deductible is met. For example, if your plan covers 80%, you’ll be reimbursed for 80% of the costs minus your annual deductible.

Claims and Service

When your Progressive-covered pet gets treated, you’ll need to pay your vet directly. Then, after you’ve made the payment, you’ll need to file a claim to begin the reimbursement process. To submit a claim, you’ll need to include invoices and/or payment receipts for all relevant expenses. You may also be asked for more detailed descriptions, circumstances, and other pertinent information.

In total, claims processing typically takes no longer than 3 days and reimbursements are usually finalized no less than 5 days after a claim is processed. If you run into a problem with a claim, you can contact a customer representative directly via phone, email or live chat. Alternatively, you can go through Progressive’s well-designed mobile app where agents are available 24/7.

What You Might Like

Accident and illness plans from Progressive are completely customizable. The average monthly payment is between $16 to $40 depending on the coverage you choose and your pet’s characteristics. What’s more, Progressive’s has a user-friendly approach to customer service and handling claims.

What Progressive Could Do Better

While it’s standard in the industry for companies to only offer coverage for dogs and cats, it would be a welcomed addition for Progressive to offer coverage for other types of common pets like birds, reptiles, rodents, and fish.

Contact Details and Address

The Progressive Corporation

6300 Wilson Mills Rd

Mayfield Village, OH 44143


How Progressive Compares

ProgressivePets Best
Waiting period 14 days 3 to 14 days
Reimbursement rate 70% to 90% 70% to 90%
Annual deductible $50 to $1,000 $50 to $1,000
Coverage limit $5,000 or unlimited $5,000 or unlimited


Progressive is suitable for pet owners shopping for affordable health insurance for their furry friends. Progressive has a Better Business Bureau rating of A+ and over 1,000 positive online reviews from happy customers. Check out their website to see if Progressive is the right choice for your pet.

Progressive Progressive Visit Site

Progressive customer testimonials

PoorReviews 68
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  • author
    3 days ago
    Lowest price I can find from the big…

    Lowest price I can find from the big companies that will actually cover your claims. I have been with them for years and when I switched to Geico for about 6 months, it didn't save me 15% as advertised, it actually cost me more. So I am back to Progressive & that is where I will probably stay.


  • author
    Cari Ayer
    Dec 23, 2020
    Agree with others, they are thieves

    My car was totaled when a tree fell on it. My deductible was higher than the car was worth, it was 12 years old. I called to change my insurance to cover me as a driver, but not a car. Was told this wasn't possible. So I cancelled my insurance. A few months later I was still being charged, so I called again, was told they would"look into it, and get back to me" they didn't. Called again, was told I can insure myself as a driver and had my insurance changed, was told I could get money refunded from the past few months. Never happened. I cancelled again and removed my credit card from auto pay since I didn't trust them. Now they have sent me to collections for a policy I cancelled thst they kept charging for a car I didn't own. Tried to file a complaint with the better business bureau, but they say its resolved as Progressive told them they "can't give credit retroactively" seriously?


  • author
    Dec 22, 2020
    Why the heck do I have a negative due…

    Why the heck do I have a negative due balance PLUS an extra $75 owed after they cancelled my policy? Scum of the Earth, these people are.


  • author
    Dec 14, 2020
    Worst customer service I have dealt…

    Worst customer service I have dealt with in a year. They don’t even want to talk to you when you’re broken down on the side of the road. They sent me to an automated system to try and get a tow truck, shocker it didn’t work. Then I got a completely incompetent lady that also barely spoke English, that helped the frustration. Then to cap it all off, I was told it would be an hour to get a tow truck only to have the text ETA at an hour and forty five minutes. I’ve been on hold for 30 minutes waiting for a supervisor, shocking that it’s no luck. Im transferring my policy tonight.


  • author
    Asem Awad
    Dec 08, 2020
    extra charges

    after being in my new address for more than 15 months, they charged an extra almost 60$ because they are claiming that they just received my new address from the post office, but I already changed the address on their website since I moved here, that's a rib-off