Progressive summary
Pros
- No pet age limits
- Simple accident-only policy
- Affordable coverage options
Cons
- Exam fees not included in all policies
- No coverage for pre-existing conditions
Editorial score
Online experience
Excellent site with mobile optimization, learning resources and live chat
Customizable rates and services
Customizable plans and rates, upper age limitCustomizable plans and rates, upper age limit
Claims payout waiting period
Days
Customer support
24/7 communication and a pet hotline available
Bundles
Multi-pet and multi-policy bundles available
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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
888-671-4405
How Progressive Compares
| Progressive | Pets 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 |
Summary
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.
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Jacob Parker is a financial and technology writer. With a background in climate science, he's deeply interested in the intersection of fintech and sustainability and has a passion for impact investing and ESG research. He writes for BestMoney and enjoys helping readers make sense of the options on the market.
