Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 10, 2021

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What’s New In 2021 For Progressive Pet Insurance

Progressive Pet Insurance has ramped up its commitment to both its customers and employees in 2021.

How Has Covid-19 Affected Progressive Pet Insurance?

The onset of Covid-19 has been positive for Progressive Pet Insurance customers. They have several new changes in place, including suspending cancellations, waiving late fees, and pausing collections.

Employees are being given the ability to work from home and receive coverage for telemedicine co-pays and Covid-19 medical treatments, as well as advances on annual bonus programs.

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New Products Or Changes

While Progressive Pet Insurance has not added any new products this year, its pet coverage gives you the peace of mind you need when seeking out the best insurance options for your pets.

Progressive Pet Insurance In The News

Through its partnership with PetsBest, Progressive has been able to offer pet insurance since 2009 but is now able to enter the voluntary benefits market, making Progressive Pet Insurance available to new employer clients.

2021 Latest Progressive Pet Insurance Reviews

Many customers are very satisfied with the affordable rates that Progressive Pet Insurance provides and appreciate the simple claims process. They like that the policies are transparent in what they cover and the customer service is professional and responsive. While there aren’t reviews found directly through Progressive, they can be found through their partner Pet’s Best.


Although the claim process isn’t always the fastest, people love the value and care that they are receiving for their pets. Their online platform is also very user-friendly. If you are looking into pet insurance for your pet, you’ll definitely want to give Progressive a try.

Progressive Insurance is renowned for having both auto and homeowners insurance.  Like many other insurance providers, they now offer pet insurance.

Progressive Insurance does not offer pet insurance directly, but through their partner, Pets Best.  If you are already a Progressive member, you can receive a 5% discount on pet insurance. 

Military members in certain states are also eligible for a 5% discount, which could make the cost of pet insurance more worth it than with competitors who don’t offer this discount.

Progressive pet insurance review

Progressive Insurance does offer pet injury protection, which is included in their auto insurance policy’s collision coverage.  This protection pays some portion of the medical care if your cat or dog gets injured in a car accident, but this is not pet insurance.

Progressive Pet Insurance, through Pets Best, has their different policies underwritten by American Pet Insurance Company. With several ways to customize pet insurance policies, Pets Best is a viable option for different budgets to provide coverage for just accidents, or a combined policy for accidents and illnesses.

Pets Best has an A+ rating from the BBB. This is the highest rating available, which shows the company is quick to address complaints and provide a reasonable solution.

Here’s how it works:

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Progressive’s Coverage Options

Progressive Pet Insurance by Pets Best offers three different accident and illness coverage options for your pets, one accident policy, and a few options of preventative care (wellness) plans.

The BestBenefit Accident and Illness plans are broken down into 3 different policies with different limits of coverage:

girl walking white lab puppy

All three plans typically include the following coverage:

  • Exam Fees (depending on the plan)
  • Surgery
  • Hospitalization
  • Emergency care
  • Diagnostic Testing
  • Prescription medications
  • Specialist care
  • Lab work
  • Lab tests
  • Cancer (more expensive plans)
  • Hereditary and congenital conditions (more expensive plans)
  • Alternative therapies (more expensive plans)

Related: 10 Things You Must Know Before You Buy Pet Insurance

The Three BestBenefit Accident & Illness Plans are the following:

Essential Plan

The Essential Plan includes all accidents and illnesses with coverage up to $5,000 each policy year.

This is the most basic of the plans, and while it is less expensive, it is really isn’t enough coverage if your dog or cat has one serious illness or injury.

Plus Plan

The Plus plan is more comprehensive, with a benefit limit cap at $10,000.

This plan includes the same coverage as the Essential Plan but also includes alternative therapies and the cost of the exams for your vet visits.

Elite Plan

The Elite plan is the most expensive and most inclusive plan.

The benefit limits are unlimited, which is preferable so you never have to worry about reaching a cap each policy year.

With the Elite plan, you get all the coverage of the other two plans but also includes prescription medication, vet visits, chiropractic work, acupuncture, and rehabilitative care.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Progressive’s Accident-Only Plan

With this accident plan, you get the most basic coverage as it covers only accidents and not illnesses.

Some examples of coverage are injured legs, swallowing foreign objects, and snake bites.

While the plan is inexpensive, illness is not covered.

Progressive’s Wellness Plans

Progressive offers 2 wellness plans that cover routine procedures.

Wellness plans are an additional cost and not a stand-alone policy and need to be added to one of the comprehensive plans.

Essential Wellness Plan

The Essential Wellness plan covers wellness exams, spaying/neutering, testing for heartworm, and other routine procedures.  The cap is $305 annually.

Best Wellness Plan

The Best Wellness plan has the same treatments as the Essential plan but adds an allowance for dental cleaning (up to $150).

The total allowance of reimbursement under this plan is $535 annually.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

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Congenital and Hereditary Conditions

Progressive pet insurance covers congenital and hereditary conditions such as:

Benefit Limits

The benefit limits that are offered depends on which plan you enroll in.

The limits range from $5,000 to unlimited.

Unlimited benefit is always our favorite choice because you know that whatever happens to your pet; you will not have a limit of coverage.

Healthy Paws offers unlimited coverage in all their plans for just that reason.

If you want the lowest premium possible, then you would choose a lower benefit level.

Reimbursement Method

Progressive offers reimbursement level choices of the following:

  • 70%
  • 80%
  • 90%

Reimbursements are paid on the veterinarian’s bill.

If you prefer a lower monthly premium, choose the lower reimbursement level.

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Deductible Types

With Progressive, you have many deductible choices that start from as low as $50 to the highest choice of $1,000.

The deductible is paid once each year and is known as an annual deductible.

The higher the deductible, the lower your monthly premium.

You do not have to pay a deductible on the wellness plans.

The Cost of Progressive Pet Insurance

Progressive’s plans are competitive at the lower levels:

  • Dog insurance plans start at $28 a month.
  • Cat insurance plans start at $17 a month.

Their highest level plan, the Elite plan, even with the unlimited benefit option and many treatment options, is on the more expensive side:

  • Dog insurance plans start at $59 per month.
  • Cat insurance plans start at $49 per month.

The Accident only plans, while cheaper, cover only accidents.

  • Dog accident insurance plans are $9 per month.
  • Cat accident insurance plans are $6 a month.

An Accident only policy is a good supplemental policy to have for older pets who might otherwise not receive insurance.

The Essential Wellness Plan is $16 for dogs and cats each month.

The Best Wellness Plan is $29 for dogs and cats each month.

Existing Progressive pet insurance policyholders receive a 5% discount.

If you enroll more than one pet or have a military service pet, you can also get a 5% discount.

How to File a Claim

Claims are easy to fill out and are usually paid within five days.

When enrolling online, policyholders will go to Pets Best online portal and upload the claim directly.

You can have your claims paid via direct deposit.

Through Pets Best, they offer a 24/7 customer support line to answer any questions or concerns you might have about your cat or dog.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

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Waiting Periods and Enrollment

With progressive, your dog or cat must be at least 7 weeks old, but there is no upper age limit restriction.

The waiting periods are as follows:

  • Accidents – 3 days
  • Illness – 14 days
  • Ligament Issues – 6 months

Similar to other pet insurance companies, Progressive gives you a thirty day free look period for them to determine if your pet has a pre-existing condition.

You can decide during that time if you want to enroll in their pet insurance.

Commonly Asked Questions About Progressive

Why would anyone enroll in Progressive when it’s just as easy to enroll in Pets Best?

It is very advantageous for existing Progressive members to have all their insurance with one provider and policyholders get an extra 5% discount.

If your pet develops an illness like Cancer, will it be covered?

If your dog or cat has cancer before enrolling in a new policy, then your pet will not be covered.  This is common in all pet insurance because the disease is what is called pre-existing.

Can you take your dog or cat to your current vet, or do you have to go through their network?

Yes.  You should have any choice of vet you want.

Is there anything that Progressive doesn’t cover?

Pre-existing conditions, elective procedures, and any injury due to negligence or abuse will not be covered.

Do their plans cover teeth cleaning?

Dental cleanings are only covered in the Best Wellness plan, their more expensive wellness option, as well as periodontal disease.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Does Progressive use benefit schedules?

No, they don’t.  The vet bills are based on the vet bills and the percentage of reimbursement that you have chosen.

Does your policy automatically renew?

Yes.  Your policy will automatically renew unless you decide otherwise.

Final Thoughts on Progressive Pet Insurance

Progressive pet insurance is a great option if you are already a policyholder and want to get the extra discount and have all your insurance under one roof.

You can go to Progressive directly or call them at 1-855-347-3939.

Otherwise, you can merely go to Pets Best directly and enroll on their site.

If you want to check out some other pet insurance providers, our top 10 pet insurance providers will give you some more choices.

Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

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You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance