Is Progressive Pet Insurance Worth It? Reviews 2025
Our expert's opinion on Progressive
Progressive Pet Insurance, administered primarily via Pets Best and Companion Protect, stands out in the US pet insurance market for its highly configurable options and broad coverage possibilities. Policyholders can tailor their plans by choosing annual reimbursement limits ranging from $2,500 to unlimited, flexible coinsurance rates (50–90%), and annual deductibles starting as low as $50—positioning Progressive as one of the most adaptable intermediaries compared to less flexible competitors. Optional add-ons like routine wellness, exam fees, prescription medications, and rehabilitative therapies further personalize protection, though preventive care is only available as a paid option. Progressive's pricing generally sits around the mid-market, making it accessible for a wide spectrum of pet owners—from those seeking economical accident-only plans to those needing robust illness coverage and preventive benefits. This versatility is well suited to owners of young animals (for early, broad coverage), those managing older pets or specific breeds, or individuals wanting to tightly control annual out-of-pocket costs via chosen limits and deductibles. As an established brand, Progressive partners with reliable underwriters (Independence American Insurance Company via Pets Best), but acts mainly as an intermediary and does not underwrite itself. While Progressive's own Trustpilot review presence and volume are not distinctly available, Pets Best (the main partner) processes most claims online and is known for generally efficient management, with claim payouts typically within 10–30 days—reflecting industry standards.
- Extensive plan customization (annual limit, reimbursement rate, deductible)
- Optional coverage for wellness, prescriptions, exam fees, rehabilitation
- Accident-only plan for low-budget needs
- Single annual deductible, not per-incident
- Covers any licensed US or Canadian veterinarian
- Fast digital claims process, payouts in 10–30 days
- No premium penalty for animal's claims history
- Preventive care only via paid wellness add-on
- Strict exclusion of pre-existing conditions
- No Progressive-branded policy management or claims handling
- Coverage not transferable between animals
- Complexity of choices may be confusing
- Progressive warranties
- Progressive Exclusions
- Progressive Pricing
- Progressive Assistance
- Customer feedback on Progressive
- How can I contact Progressive?
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms, conditions, and pricing of insurance policies on the US market each year to provide you with a reliable and unbiased analysis. Thanks to this dedication, hundreds of thousands of users across the United States trust us every month to help them make their most important financial decisions.
Progressive warranties
Progressive offers modular pet insurance with three main approaches: accident-only, accident & illness, and optional wellness add-ons, mainly underwritten through Pets Best and Companion Protect. The standout advantage is the high degree of customization—annual reimbursement limits from $2,500 up to unlimited, choice of coinsurance from 50% to 90%, and deductible levels between $50–$2,000, plus flexible wellness and alternative care options. Reimbursements are fast, and the annual deductible structure limits out-of-pocket risk, but preventive care and vet exam fees are only covered with additional packages. Notably, pre-existing conditions and routine/preventive costs (without the wellness option) are excluded, and dental coverage is limited mainly to illness/trauma, not routine cleaning. Progressive is a strong choice for tailoring protection to specific needs and budgets, but lacks coverage for hereditary conditions, routine care by default, and has variable waiting periods and strict exclusions.
| Guarantee name | Accident-Only (Pets Best) | Accident & Illness (Pets Best) | Wellness add-ons / Preventive (Pets Best, required as supplement) |
|---|---|---|---|
| Positioning | Entry-level, budget accident plan | Comprehensive, modular accident & illness plan | Supplement to core plan; routine care, not catastrophe |
| Coverage type | Accident only | Accident & illness (customizable) | Preventive services (vaccines, routine exams, dental cleaning, etc.) |
| Covered animals | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | Fixed 90% reimbursement | Choice: 50%, 60%, 70%, 80%, 90% | Not applicable (fixed annual limits by act type) |
| Annual reimbursement limit | $10,000 per year | Choice: $2,500, $5,000, $10,000, unlimited | Annual schedule amounts (e.g., $305 or $535 per year by plan) |
| Annual/per-incident deductible | $250/year (single annual) | Choice: $50–$2,000/year (annual only) | No deductible |
| Min/max age for enrollment (dogs/cats) | Not communicated (NC) | Not communicated (NC) | Must pair with core BestBenefit plan |
| Health questionnaire required? | No | No | No |
| Waiting period for illness | Not applicable | 14 days | Not applicable |
| Waiting period for accident | 3 days | 3 days | None |
| Lifetime renewal if insured? | Yes, as long as premiums paid | Yes, as long as premiums paid | Yes, as supplement |
| Vet consultations (general, emergency, specialty) | Covered for accident only | Covered for accident & illness (option to add vet exam fee cover) | Annual check-ups, vaccines covered if selected |
| Prescription medications | Not covered | Covered if supplemental option chosen | Covered for flea/heartworm/preventive products |
| Hospitalization | Covered for accident | Covered for accident and illness | Not covered |
| Ambulance/transport fees | Not covered | Not covered (unless included in vet invoice under covered illness) | Not covered |
| Surgery, anesthesia | Covered for accident only | Covered accident/illness | Not covered |
| MRI, CT scans, ultrasound | Covered for accident | Covered for accident & illness | Not covered |
| Lab diagnostics | Covered for accident | Covered for accident & illness | Not covered |
| Radiotherapy | Covered for accident | Covered if medically necessary (illness or accident) | Not covered |
| Dental (illness/trauma) | Only for accident-based dental trauma | Covered if related to illness/trauma (see contract exclusions) | Prophylactic cleaning covered by wellness, not illness |
| Dental scaling/cleaning | Not covered | Not covered (except if Wellness is added) | Covered under wellness at $100–$150, up to limit per year |
| Prevention package (amount, included acts) | Not available | Not included by default | 2 plans: $305 or $535/year; vaccines, exams, dental, spay/neuter, etc. |
| Alternative medicine (acupuncture, physio, etc.) | Not covered | Covered if option is purchased (rehab/acupuncture/chiropractic care) | Not covered |
| Therapeutic diet | Not covered | Not covered | Not covered |
| Countries covered/travel | USA only | USA, Canada, US territories | USA only |
| Death / cremation | Not covered | Not covered | Not covered |
| Euthanasia | Not covered | Not covered | Not covered |
| Theft/loss & search costs | Not covered | Not covered | Not covered |
| Kennel/care costs | Not covered | Not covered | Not covered |
Good to know
- Benefits/payments can differ by state and administrator (Companion Protect vs. Pets Best; review your quote carefully).
- Coverage requires treatment by licensed vets; coverage may be void if routine vaccinations/maintenance are not up to date.
- Pre-existing conditions and hereditary disorders are excluded, as are breeding, pregnancy, and experimental/behavioral medicine.
- Wellness plans have annual limits by item (e.g., $50 for bloodwork); accident/illness plans have global annual maximum and coinsurance.
- Ligament/tendon injuries often have a 6-month waiting period; check specifics for each pet and plan.
- No lifetime limits on number of claims if policy renewed yearly and premiums paid.
- No coverage for euthanasia, death, burial, cosmetic or administrative fees.
Progressive Exclusions
Progressive, through its main partner Pets Best, applies standard medical exclusions such as pre-existing conditions, preventive or routine care, and conditions arising during the waiting period, but imposes a notably strict six-month waiting period specifically for cruciate ligament injuries, which is longer than many competitors. All care, including dental, related to previous issues (even if asymptomatic at sign-up) is excluded, and dental coverage is limited to certain tooth types and does not extend to prophylactic treatments. Any costs tied to breeding, pregnancy, or cosmetic procedures are categorically excluded, and experimental therapies (unless specifically endorsed options are added) are not reimbursed. Only treatments performed by a licensed veterinarian within the US, its territories, or Canada are eligible, and mandatory vaccination protocols must be met for claims to be accepted. Importantly, recurrence of cancer of the same type is excluded unless there is evidence of complete pre-inscription removal and early-stage presentation, setting a higher bar compared to several competitors.
| Exclusions | Details |
|---|---|
| Medical Exclusions | - Pre-existing conditions (signs, symptoms, treatments, or vet advice before policy start or during waiting period) - Conditions manifesting during waiting period (14 days for illness, 3 days for accident, 6 months for cruciate ligament injuries) - Hereditary/congenital conditions present before enrollment - Dental care for anything except specified teeth (e.g., canine/carnassial) and only if no prior symptoms - Prophylactic and routine dental treatments (scaling, hygiene, malocclusion, missing teeth, etc.) - Experimental, alternative, or behavioral therapies unless option purchased - Recurrence of same cancer type, except if full removal and early stage documented prior to enrollment |
| Preventive/Wellness Exclusions | - Preventive care unless a wellness plan is purchased - Routine exams, vaccinations, routine dental care, spay/neuter, flea/tick and heartworm prevention - Cosmetic-only procedures (tail/ear docking, declawing, dewclaw removal, etc.) |
| Reproduction and Related Exclusions | - Treatments for breeding, pregnancy, birth, fertility, or artificial insemination |
| Administrative/Non-medical Exclusions | - Food, supplements, supplies, transportation, boarding, cremation, burial - Administrative costs, medical history fees, non-medical equipment/services |
| Geographic/Jurisdictional Limitations | - Care provided outside the US, its territories, and Canada - Care provided by the insured as veterinarian or not under supervision of licensed vet |
| Behavioral/Legal Exclusions | - Damage or injury due to war, acts of terrorism, nuclear incidents, pandemic, or intentional harm - Losses or claims resulting from fraud, untruthful information |
| Compliance / Animal Status | - Claims denied if required vaccinations (listed by species) are not current - Policy not transferable to another pet |
- Conditions manifesting during waiting period (14 days for illness, 3 days for accident, 6 months for cruciate ligament injuries)
- Hereditary/congenital conditions present before enrollment
- Dental care for anything except specified teeth (e.g., canine/carnassial) and only if no prior symptoms
- Prophylactic and routine dental treatments (scaling, hygiene, malocclusion, missing teeth, etc.)
- Experimental, alternative, or behavioral therapies unless option purchased
- Recurrence of same cancer type, except if full removal and early stage documented prior to enrollment
- Routine exams, vaccinations, routine dental care, spay/neuter, flea/tick and heartworm prevention
- Cosmetic-only procedures (tail/ear docking, declawing, dewclaw removal, etc.)
- Administrative costs, medical history fees, non-medical equipment/services
- Care provided by the insured as veterinarian or not under supervision of licensed vet
- Losses or claims resulting from fraud, untruthful information
- Policy not transferable to another pet
Progressive Pricing
Overall, Progressive displays a median pricing position in the US pet insurance market, primarily due to its intermediary model—offering plans through partners like Pets Best and Companion Protect.
This model allows streamlined, digital-first contract management, reducing overhead and helping maintain price competitiveness, especially for standard accident and illness formulas.
Progressive’s policies are highly configurable (annual limits, reimbursement rates, deductibles, add-ons), letting pet owners optimize their premium for the balance of coverage and cost, but the offer does not systematically include costly, high-value care by default.
Most pre-existing conditions, routine preventive care, and some advanced therapies remain excluded unless elected as add-ons, keeping the base price lower than premium, all-inclusive insurers.
As a result, Progressive suits owners seeking balanced coverage at a reasonable rate, positioned between budget and high-end options.
Compare multiple quotes to ensure you secure the best possible rate for the level of protection your pet needs.
| Accident Only | Essential (Accident & Illness, $5,000/yr, 80% reimbursement, $250 ded.) | Elite (Unlimited, 90% reimbursement, $100 ded., exam fees add-on) | |
|---|---|---|---|
| Young cat (2 – 4 yrs) | $12/mo | $23/mo | $51/mo |
| Senior cat (7 – 8 yrs) | $21/mo | $36/mo | $94/mo |
| Small breed dog | $16/mo | $35/mo | $78/mo |
| Small breed dog (2 – 4 yrs) | $13/mo | $28/mo | $64/mo |
| Large breed dog (2 – 4 yrs) | $16/mo | $42/mo | $102/mo |
| Senior dog (7 – 8 yrs) | $32/mo | $58/mo | $186/mo |
Progressive promo codes
| Progressive Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% off your quote |
Note: Promo codes are subject to change. For the latest promo codes, please visit our pet insurance comparison guide.
How much will I be reimbursed with Progressive?
| Type of Care | Average Price (USD) | With Progressive (90% reimbursement, unlimited annual cap; preventive care options for vaccines/sterilization) |
|---|---|---|
| Sterilization / Spay-Neuter | $300 | Reimbursed $300 (if Wellness option added), Out-of-pocket: $0 (excl. deductible; if Wellness option not added, not covered) |
| Vaccines (annual) | $100 | Reimbursed $100 (if Wellness option added), Out-of-pocket: $0 (if Wellness not added, not covered) |
| Broken Leg (surgery, accident) | $2,000 | Reimbursed $1,800 (90% of $2,000, excl. deductible), Out-of-pocket: $200 (excl. deductible) |
| Urinary Tract Infection (UTI) | $500 | Reimbursed $450 (90% of $500, excl. deductible), Out-of-pocket: $50 (excl. deductible) |
| Allergy Treatment (yearly) | $700 | Reimbursed $630 (90% of $700, excl. deductible), Out-of-pocket: $70 (excl. deductible) |
Progressive Assistance
Progressive provides comprehensive digital assistance, including a customer portal and mobile app for claims submission and policy management, which enhances the convenience for pet owners.
The absence of a direct claims advance (such as Payvet or Carecredit integration) means insureds must pay veterinary bills upfront before reimbursement, which could be limiting in case of costly emergencies.
A 24/7 veterinary helpline is available via partners (notably Pets Best), a valuable resource for urgent questions or advice outside clinical hours.
There is no preferred veterinary network or negotiated payment arrangement, but policyholders are free to use any licensed veterinarian across the US (and Canada with Pets Best).
Assistance coverage outside the US is restricted, with Pets Best providing short-term eligibility in Canada, but no broader international support or direct facility partnerships abroad.
| Assistance Progressive | Available? | Details |
|---|---|---|
| Advance of fees | ❌ | No advance payment service such as Payvet or Carecredit. Claims are reimbursed after submission and review. |
| Payment facilities | ❌ | No specific installment or “pay in 3 times” option indicated. Premiums are paid at subscription frequency via partner terms. |
| Mobile app | ✅ | Dedicated Pets Best app and customer portal. Manage policies, file and track claims, submit documents. |
| Dematerialized claims management | ✅ | Claims are fully online via member portal or app. Upload invoices and medical records for efficient processing. |
| Veterinary emergency service | ✅ | 24/7 support helpline available (mainly with Pets Best); offers advice but not teleconsultation or direct emergency response. |
| Vet clinic/doctor network | ❌ | No partner clinic network; clients choose any licensed vet in the US (Canada through Pets Best). |
| Overseas coverage | ✅ | Covered at US and Canada veterinarians for Pets Best; travel support limited to short stays, not for permanent relocation. |
Customer feedback on Progressive
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.1/5 – 6,400+ reviews |
| ConsumerAffairs | 4.0/5 – 2,600+ reviews |
| Google Reviews | 4.2/5 – 1,100+ reviews |
We analyzed reviews from the sites listed above. On the positive side, policyholders who purchased Progressive pet insurance for their pets often mention:
- The flexibility and customization of the plans: the ability to adjust annual limits, deductibles, and reimbursement percentages allows pet owners to tailor coverage to their needs and budget.
- The convenience of digital management: an easy and quick online process for submitting claims, managing documents, and monitoring reimbursements is frequently appreciated.
- Fast reimbursement turnaround: many customers report prompt payment for eligible claims, often within a few business days.
- The absence of per-incident or per-visit deductibles: a single annual deductible is perceived as simpler and less costly, especially for recurring treatments.
- Clear and accessible customer service: the helpfulness and responsiveness of phone or chat support are highlighted in many positive reviews.
- Wide acceptance by vets: all licensed veterinarians in the US (and Canada for Pets Best) are covered, providing peace of mind.
- Additional wellness options: the ability to add preventive care for routine costs (check-ups, vaccines, dental cleaning) is considered a real plus.
On the negative side:
- The number of exclusions for pre-existing conditions: as with most US pet insurance, any illness or condition present before the policy is not covered, which may lead to claim denials.
- Complaints about denied claims: some policyholders express frustration when certain treatments, medications, or exam fees are not reimbursed because they are not included in the chosen options.
- Increasing premiums over time: yearly rate hikes, sometimes significant as pets age, are commonly reported and sometimes poorly anticipated.
- Lengthy processing times for complex claims: while simple claims are usually quick, more complicated cases may experience lengthy reviews or requests for additional documentation.
- Strict waiting periods: the delay before coverage for certain accidents, illnesses, or ligament injuries is sometimes viewed as problematic, especially when an issue occurs soon after enrollment.
- Frustration with documentation requirements: requests for detailed medical records by the underwriter can slow down reimbursements and be perceived as cumbersome.
- The inability to bundle pet insurance discounts with other Progressive products: while Progressive offers multi-policy discounts for auto and home insurance, these generally do not apply to their pet insurance products.
How can I contact Progressive?
| For a quote or to subscribe online | You can use HelloSafe’s pet insurance comparison tool, choose the plan that suits you and click to get a quote.Or directly:- By phone: 1-877-298-0639- Online via progressive.com/pet-insurance/#q |
|---|---|
| To request and track a reimbursement | Managed via the partner insurer (mainly Pets Best or Companion Protect): Pets Best: - On your customer portal: www.PetsBest.com/customerportal - By phone: 877-738-7237 - Documents required: detailed invoices in the animal's name, proof of payment, and, upon request, complete medical history - Request must be made within 180 days of treatment - Reimbursement by transfer or check – usually within a few days/weeks after approval Companion Protect: Refer to your contractual documents or dedicated website for the appropriate customer portal and contact info. For any questions, you can contact Progressive at 1-877-298-0639 to be directed to the managing insurer. |
| To obtain an insurance certificate | Log in to your customer portal at the partner insurer (most often www.PetsBest.com/customerportal) to download your certificate. You can also request it: - By phone: 877-738-7237 (Pets Best) - By email via the form on the insurer's website. If unsure about the procedure, contact Progressive at: 1-877-298-0639 |
| To contact assistance | - Progressive phone line: 1-877-298-0639 - 24/7 veterinary assistance (Pets Best): 877-738-7237 - Customer portal of your partner insurer (teleconsultation, help request, etc.) For Companion Protect: check their website or your contract, dedicated number provided in your documents. |
| To cancel my contract | You can request cancellation: Pets Best - By phone: 877-738-7237 - By email, mail, fax, or via the customer portal: www.PetsBest.com/customerportal - By mail: Pets Best Insurance Services, LLC, 10840 Ballantyne Commons Parkway, Charlotte, NC 28277, USA. - Specify policy number, insured name, your wish to cancel and desired cancellation date. - Attach an ID if requested. - Time frame: immediate cancellation or on the requested date (no mandatory notice period mentioned), refund on a pro-rata basis for unused premiums. Companion Protect: Check your contractual documents, or contact customer service via the number/channels listed in your contract. If in doubt, ask Progressive to support your request at 1-877-298-0639. |
Or directly:
- By phone: 1-877-298-0639
- Online via progressive.com/pet-insurance/#q
Pets Best:
- On your customer portal: www.PetsBest.com/customerportal
- By phone: 877-738-7237
- Documents required: detailed invoices in the animal's name, proof of payment, and, upon request, complete medical history
- Request must be made within 180 days of treatment
- Reimbursement by transfer or check – usually within a few days/weeks after approval
Companion Protect: Refer to your contractual documents or dedicated website for the appropriate customer portal and contact info.
For any questions, you can contact Progressive at 1-877-298-0639 to be directed to the managing insurer.
Or directly:
- By phone: 1-877-298-0639
- Online via progressive.com/pet-insurance/#q
You can also request it:
- By phone: 877-738-7237 (Pets Best)
- By email via the form on the insurer's website.
If unsure about the procedure, contact Progressive at: 1-877-298-0639
Or directly:
- By phone: 1-877-298-0639
- Online via progressive.com/pet-insurance/#q
- 24/7 veterinary assistance (Pets Best): 877-738-7237
- Customer portal of your partner insurer (teleconsultation, help request, etc.)
For Companion Protect: check their website or your contract, dedicated number provided in your documents.
Or directly:
- By phone: 1-877-298-0639
- Online via progressive.com/pet-insurance/#q
Pets Best
- By phone: 877-738-7237
- By email, mail, fax, or via the customer portal: www.PetsBest.com/customerportal
- By mail: Pets Best Insurance Services, LLC, 10840 Ballantyne Commons Parkway, Charlotte, NC 28277, USA.
- Specify policy number, insured name, your wish to cancel and desired cancellation date.
- Attach an ID if requested.
- Time frame: immediate cancellation or on the requested date (no mandatory notice period mentioned), refund on a pro-rata basis for unused premiums.
Companion Protect: Check your contractual documents, or contact customer service via the number/channels listed in your contract.
If in doubt, ask Progressive to support your request at 1-877-298-0639.
FAQ
Do I have to pay the vet bill upfront with Progressive pet insurance?
Progressive pet insurance (via Pets Best and Companion Protect) reimburses you directly rather than paying the veterinarian up front. You are responsible for paying your vet at the time of service, then submitting the claim for reimbursement. There is no direct pay or third-party payment (like Payvet); you’ll typically receive your eligible reimbursement quickly once your claim is approved.
How do I cancel my Progressive pet insurance policy?
To cancel your Progressive pet insurance, contact customer service by phone, email, online account, mail, or fax. The cancellation takes effect upon notice, and there is no specific advance notice required. You should provide your policy information and may be asked to provide written confirmation. If you prepaid, any unused premium will be refunded on a pro-rata basis.
Are pre-existing conditions covered by Progressive pet insurance?
No, pre-existing conditions are not covered. Any condition that showed signs, received treatment, or was advised by a veterinarian before the policy started or during the waiting period is excluded from coverage. If you’re looking for insurance that covers prior illnesses, Progressive’s partners do not provide this option.
Can I visit any veterinarian with Progressive pet insurance?
Yes, you are free to visit any licensed veterinarian in the US. If your policy is provided via Pets Best, you can also use vets in Canada. There’s no restriction to a specific network. Just pay your vet, submit your claim, and eligible expenses will be reimbursed per your chosen plan.
What is the waiting period before coverage starts?
Waiting periods differ slightly depending on the partner and plan type. For Pets Best: coverage starts after 3 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament issues. For Companion Protect: accidents are covered immediately, there is a 15-day wait for illnesses, and 30 days for orthopedic issues. Wellness/preventive coverage, if selected, is usually immediate.
Do I have to pay the vet bill upfront with Progressive pet insurance?
Progressive pet insurance (via Pets Best and Companion Protect) reimburses you directly rather than paying the veterinarian up front. You are responsible for paying your vet at the time of service, then submitting the claim for reimbursement. There is no direct pay or third-party payment (like Payvet); you’ll typically receive your eligible reimbursement quickly once your claim is approved.
How do I cancel my Progressive pet insurance policy?
To cancel your Progressive pet insurance, contact customer service by phone, email, online account, mail, or fax. The cancellation takes effect upon notice, and there is no specific advance notice required. You should provide your policy information and may be asked to provide written confirmation. If you prepaid, any unused premium will be refunded on a pro-rata basis.
Are pre-existing conditions covered by Progressive pet insurance?
No, pre-existing conditions are not covered. Any condition that showed signs, received treatment, or was advised by a veterinarian before the policy started or during the waiting period is excluded from coverage. If you’re looking for insurance that covers prior illnesses, Progressive’s partners do not provide this option.
Can I visit any veterinarian with Progressive pet insurance?
Yes, you are free to visit any licensed veterinarian in the US. If your policy is provided via Pets Best, you can also use vets in Canada. There’s no restriction to a specific network. Just pay your vet, submit your claim, and eligible expenses will be reimbursed per your chosen plan.
What is the waiting period before coverage starts?
Waiting periods differ slightly depending on the partner and plan type. For Pets Best: coverage starts after 3 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament issues. For Companion Protect: accidents are covered immediately, there is a 15-day wait for illnesses, and 30 days for orthopedic issues. Wellness/preventive coverage, if selected, is usually immediate.
