Progressive Pet Insurance 2025: Comprehensive Review, Plans, and Real User Insights

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At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, over one million users in the US trust us each month to guide them in their most important financial decisions.

Progressive Guarantees

Progressive provides customizable pet insurance options, primarily underwritten by Pets Best, enabling owners to set reimbursement rates (from 50% to 90%), annual benefit limits (including unlimited), and deductibles (as low as $50).

Plans cover dogs and cats for accidents and illnesses, with optional wellness add-ons for preventive care and alternative therapies, and may include exam fees and prescription medication at extra cost.

Key strengths include flexibility, a single annual deductible, and a wide variety of optional coverages suitable for many household budgets.

However, all plans exclude pre-existing conditions, breeding, cosmetic procedures, and non-veterinary costs, and routine care is only available as a paid supplement.

Comprehensive coverage is available, but careful attention is needed regarding waiting periods, customization choices, and notable exclusions.

Compare pet insurance plans side by side to find the most appropriate coverage and rate for your animal.

Coverage Limitations and Restrictions

Optional coverage for exam fees, wellness, and alternative therapies must be selected at enrollment and cannot be added later; reimbursement for cruciate ligament conditions and certain dental events may have special waiting periods or restrictions.

Progressive Exclusions

The exclusions in the Progressive pet insurance policy (administered primarily by Pets Best and Companion Protect) focus on standard industry limitations, including pre-existing conditions, elective and cosmetic procedures, and routine or preventive care unless a wellness option is specifically added.

Key exclusions also include breeding and pregnancy, experimental or non-standard treatments, and medical incident claims during waiting periods—which can differ by coverage type (e.g., 6 months for cruciate ligament injuries under Pets Best).

Geographic limitations restrict routine claims to care provided in the U.S. (and sometimes Canada), and coverage extends only to cats and dogs, excluding other species.

Progressive’s partnerships do not cover negligence or intentional acts by the owner, and administrative or non-veterinary expenses (like cremation, boarding, transportation, or grooming) are systematically excluded.

Notably, upgrades in coverage may trigger new waiting periods and exclusions for conditions that occurred under previous limits, making policy changes a critical point for consumers to review.

Progressive Prices

Progressive positions itself as a mid-range pet insurance option in the US market, offering customizable plans through third-party providers like Pets Best and Companion Protect.

Its flexibility in annual limits, deductibles, and reimbursement rates allows policyholders to balance price and coverage according to their budget and needs.

Although not the most affordable, Progressive features efficient digital claim management and the option to include wellness coverage, which can offer better value than some traditional insurers.

Deductibles and premiums are in line with competitors for similar levels of coverage, and plan structure is typical for the US.

Customers seeking comprehensive coverage for high-cost treatments may find Progressive's higher-tier plans more expensive, but the general offering remains competitive for most pet owners.

Progressive Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

The Progressive Reimbursement Amount

With Progressive’s highest-tier pet insurance plan, you benefit from flexible annual coverage limits, a single annual deductible, and up to 90% reimbursement on eligible veterinary expenses, making out-of-pocket costs simple and predictable.

✅ Example 1: Emergency surgery after a swallowed toy
Total vet costs: $2,000 (consultation, imaging, surgery, medications, hospitalization)
Deductible amount to subtract: $250 (annual deductible, first claim this year)
Amount reimbursable after deductible: $2,000 – $250 = $1,750 90% reimbursement with the Premium plan: $1,750 × 90% = $1,575
👉 You receive a reimbursement of $1,575.
ℹ️ The $250 deductible only applies once per policy year, so future claims are not reduced by it until next renewal.

✅ Example 2: Chemotherapy for feline lymphoma
Total vet costs: $3,500 Deductible already met earlier this year
Amount reimbursed at 90%: $3,500 × 90% = $3,150
👉 You receive $3,150.
ℹ️ With the unlimited annual coverage option, there is no cap on total reimbursed amounts for serious illness.

✅ Example 3: Annual wellness visit and vaccinations
Total vet costs: $280 (exam, vaccines, routine lab work)
No deductible applies to preventive care under the Wellness add-on
Amount reimbursed: $280 (full amount covered under annual Wellness maximum)
👉 You receive $280.
ℹ️ Preventive care like wellness exams and vaccines is fully covered up to the annual Wellness benefit limit, with no deductible subtracted.

Progressive Assistance

Customer reviews on Progressive

We analyzed reviews from the sites listed above.

On the positive side, customers who subscribed to Progressive for their pets often mention:

• An ability to purchase bundled insurance products in one place, combining pet insurance with auto or home policies.
• A rare positive interaction with a specific customer service representative, reported by a handful of users.
• A functional online portal for policy management that, for some, provided basic self-service capabilities.

On the negative side:

• A very high level of dissatisfaction with billing practices, including reports of unjustified charges after cancellation and difficulty receiving refunds.
• A frequent experience of claims denials and slow claim settlements, with little helpful communication from adjusters.
• A repeated frustration with inflexible policy changes, including unsolicited additions to policies and significant premium increases without clear explanation.
• A lack of clarity, responsiveness, and empathy from customer support, with many users finding it difficult to obtain assistance or resolution.
• A perception that policies are difficult to modify or cancel, sometimes due to administrative errors or confusion around state insurance regulations.

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Jordan Mitchell

Personal finance editor

Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.