Progressive Pet Insurance Review 2025: Pros, Cons & Coverage
Our expert's opinion on Progressive
Progressive's pet insurance offering in the U.S. is administered by Pets Best Insurance Services, LLC and underwritten by Independence American Insurance Company, focused on a customizable Accident & Illness core plan with optional wellness and specialty riders.
The core plan offers adjustable reimbursement rates (50%, 60%, 70%, 80%, 90%) and annual limits ranging from $2,500 and $5,000 to $10,000 or no annual limit, with customizable deductible arrangements and two wellness tiers (Essential and Best) available as add-ons; compared with major competitors, Progressive/Pets Best emphasizes flexible reimbursement tiers, modular wellness add-ons, and tiered pricing that can be cost-competitive for common breeds rather than targeting top-end reimbursement levels.
Best suited for owners seeking modular coverage and flexible pricing—those with young to middle-aged pets or budget-conscious buyers who want optional wellness add-ons rather than built-in preventive care.
Administered by Pets Best with underwriting by Independence American, contactable via Pets Best customer service, the offering has a low Trustpilot score of 1.2/5 from 1,401 reviews and provider average ratings around 3.1; reviews frequently cite customer service frustrations, unexpected premium changes, claim disputes and delays in claim handling.
- ✅Multiple reimbursement tiers (50%–90%)
- ✅Annual limit options up to no annual limit
- ✅Customizable core plan with optional riders
- ✅Two wellness add-on tiers (Essential, Best)
- ✅Coverage for surgery, imaging, lab tests
- ✅24/7 vet helpline access
- ✅Competitive pricing for many common breeds
- ❌Wellness care excluded from core plan
- ❌Notable negative customer service and claims reviews
- ❌Six-month waiting period for cruciate ligament events
- ❌Potential premium increases reported by customers
- ❌Higher premiums for older and brachycephalic breeds
Score- ✅Multiple reimbursement tiers (50%–90%)
- ✅Annual limit options up to no annual limit
- ✅Customizable core plan with optional riders
- ✅Two wellness add-on tiers (Essential, Best)
- ✅Coverage for surgery, imaging, lab tests
- ✅24/7 vet helpline access
- ✅Competitive pricing for many common breeds
Our expert's opinion on Progressive
- ✅Multiple reimbursement tiers (50%–90%)
- ✅Annual limit options up to no annual limit
- ✅Customizable core plan with optional riders
- ✅Two wellness add-on tiers (Essential, Best)
- ✅Coverage for surgery, imaging, lab tests
- ✅24/7 vet helpline access
- ✅Competitive pricing for many common breeds
- ❌Wellness care excluded from core plan
- ❌Notable negative customer service and claims reviews
- ❌Six-month waiting period for cruciate ligament events
- ❌Potential premium increases reported by customers
- ❌Higher premiums for older and brachycephalic breeds
Score- ✅Multiple reimbursement tiers (50%–90%)
- ✅Annual limit options up to no annual limit
- ✅Customizable core plan with optional riders
- ✅Two wellness add-on tiers (Essential, Best)
- ✅Coverage for surgery, imaging, lab tests
- ✅24/7 vet helpline access
- ✅Competitive pricing for many common breeds
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Progressive Guarantees
Progressive offers a core, customizable Accident & Illness plan administered by Pets Best Insurance Services, LLC and underwritten by Independence American Insurance Company, with optional wellness and care riders that let owners tailor protection from basic to more comprehensive levels. Policyholders choose among multiple reimbursement percentages and annual limits, creating options that range from entry/balanced cover to enhanced or premium protection depending on the selected coinsurance and limit. Core medical cover includes emergency care, surgery, imaging, lab diagnostics and optional alternative therapy riders, while routine and preventive services are available only through the wellness add‑ons. Waiting periods are short for accidents (3 days) but include standard illness waits (14 days) and an extended 6‑month waiting period for cruciate ligament events; cremation is explicitly not covered and some benefits (lifetime cover, age caps) are N.C.
| Accident & Illness plan | Accident & Illness + Essential Wellness | Accident & Illness + Best Wellness | |
|---|---|---|---|
| Plan positioning | Balanced core plan, customizable | Enhanced (core + basic wellness) | Premium (core + expanded wellness) |
| Type of coverage | Accident & Illness | Accident & Illness + Preventive services | Accident & Illness + Broader preventive services |
| Animals covered | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate | 50% / 60% / 70% / 80% / 90% | 50% / 60% / 70% / 80% / 90% | 50% / 60% / 70% / 80% / 90% |
| Annual reimbursement limit | $2,500 / $5,000 / $10,000 / No annual limit | $2,500 / $5,000 / $10,000 / No annual limit | $2,500 / $5,000 / $10,000 / No annual limit |
| Deductible (annual or per claim) | N.C. | N.C. | N.C. |
| Age limits for enrollment | N.C. | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. |
| Waiting period (accident / illness) | 3 days / 14 days (6 months for cruciate) | 3 days / 14 days (6 months for cruciate) | 3 days / 14 days (6 months for cruciate) |
| Lifetime coverage | N.C. | N.C. | N.C. |
| Consultations | Optional add-on for some items; core accepts consults for covered events | Routine physical exam coverage up to a set amount | Routine physical exam and broader wellness coverage up to higher caps |
| Medications | Covered for eligible conditions | Covered; wellness does not generally include therapeutic meds | Covered; wellness does not generally include therapeutic meds |
| Hospitalization | Yes | Yes | Yes |
| Surgery | Yes | Yes | Yes |
| Diagnostic tests (imaging, lab) | Yes | Yes | Yes |
| Dental care | No (excluded unless covered by wellness rider for specific items) | Preventive dental elements covered per wellness limits | Preventive dental elements covered per wellness limits |
| Preventive care | No (unless wellness add-on purchased) | Vaccinations/parasite controls up to plan caps | Broader preventive coverage up to higher caps |
| Alternative medicine | Available via optional add-on | Availability depends on selected riders | Availability depends on selected riders |
| Travel coverage | N.C. | N.C. | N.C. |
| Civil liability | N.C. | N.C. | N.C. |
| Euthanasia | N.C. | N.C. | N.C. |
| Death & cremation coverage | Death: N.C. Cremation: No | Death: N.C. Cremation: No | Death: N.C. Cremation: No |
| Theft or loss + search expenses | N.C. | N.C. | N.C. |
| Boarding fees | No | No | No |
The core exclusions follow standard pet insurance practice: pre‑existing conditions (including signs, symptoms, treatment before the effective date or during waiting periods) are not covered, routine preventive care and elective or cosmetic procedures are excluded from the base plan, and experimental or investigational treatments are excluded unless a specific rider permits them. Dental prophylaxis and elective dental procedures are excluded unless addressed by a wellness add‑on or specific endorsement, and reproductive/breeding costs and elective surgeries remain outside core coverage. Conditions tied to repetitive incidents, owner neglect or intentional acts, and losses from catastrophic events (declared epidemics, war, nuclear incidents) are also excluded.
Key limitations to note are the requirement to select reimbursement percentage and annual limit at purchase (these are fixed options rather than dynamically adjustable mid‑term), the extended 6‑month waiting period for cruciate ligament events, and the reliance on riders to obtain preventive, dental, or alternative therapy benefits. Some administrative or after‑life services such as cremation are explicitly not covered and several operational details (deductible mechanics, age enrollment limits, lifetime cover specifics, and care abroad terms) are N.C., so prospective policyholders should verify those contract specifics when configuring coverage.
Progressive Exclusions
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre-existing conditions: any condition with signs, diagnosis, or treatment before the policy effective date or during a waiting period. Specific chronic or severe conditions explicitly excluded or subject to extended waiting periods (e.g., certain cruciate ligament events; intervertebral disc disease exclusions where neighboring discs were previously affected). Cancer treatment exclusions noted among specific condition limits. |
| Elective & cosmetic procedures | Cosmetic or elective surgeries such as tail docking, ear cropping, declawing, dew claw removal and other non‑medically necessary procedures. |
| Reproductive & breeding | Breeding, pregnancy, whelping, and routine reproductive care; spaying/neutering excluded unless medically necessary for a covered condition. |
| Experimental, complementary and non‑standard therapies | Experimental or investigational treatments and therapies. Holistic/homeopathic modalities and other alternative therapies when not covered by an optional rider. |
| Repetitive‑incident and behavioral exclusions | Conditions arising from repetitive activities (e.g., repeated foreign body ingestion) where a similar incident occurred twice within a defined prior period. Behavioral disorders excluded if signs preexist the policy or waiting period. |
| Owner‑related exclusions | Injuries or illnesses resulting from intentional acts, organized fighting, persistent neglect, or failure to follow veterinarian advice or required preventive care. |
| Non‑medical & administrative costs | Administrative fees, transport/ambulance costs, shipping, biohazardous waste fees, grooming, bank fees, and other non‑clinical charges. |
| End‑of‑life and post‑life services | Cremation, burial, and other after‑life procedures are excluded. |
| Age, activity and species limits | Minimum age limits (pets under specified age excluded) and exclusions for injuries arising from racing, commercial guarding, or organized fighting. |
| Catastrophic & external events | Losses due to declared epidemics/pandemics, war, nuclear events, or similar large‑scale incidents are excluded. |
Progressive prices
Progressive’s pet insurance sits in the mid‑range segment by offering a highly configurable Accident & Illness core plan with optional wellness and care riders, enabling a broad set of price points for different budgets. Reimbursement tiers (50%–90%), selectable annual limits ($2,500 / $5,000 / $10,000 / No annual limit) and customizable policy choices are the primary drivers of premium variation: higher reimbursement percentages and broader limits raise premiums, while lower reimbursements and tighter limits reduce them.
Administration through Pets Best with underwriting by Independence American Insurance Company supports a digital distribution model and flexible plan design, which can keep operating costs competitive and allow features like optional telehealth or wellness add‑ons to be bundled. Compared to more traditional players, Progressive combines configurable cost-control levers with add‑on services (wellness riders, alternative medicine options) to sit between entry-level budget offerings and niche premium insurers that include extensive lifetime or specialty coverages.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Accident & Illness Plan | Accident & Illness Plan +Essential Wellness | Accident & Illness Plan +Best Wellness |
|---|---|---|---|
| Dog Labrador 1 year | $64.05 | $80.05 | $90.05 |
| Dog Labrador 3 years | $64.05 | $80.05 | $90.05 |
| Dog Labrador 7 years | $125.61 | $141.61 | $151.61 |
| Dog Australian Shepherd 1 year | $45.16 | $61.16 | $71.16 |
| Dog Australian Shepherd 3 years | $45.16 | $61.16 | $71.16 |
| Dog Australian Shepherd 7 years | $69.56 | $85.56 | $95.56 |
| Dog French Bulldog 1 year | $104.81 | $120.81 | $130.81 |
| Dog French Bulldog 3 years | $104.81 | $120.81 | $130.81 |
| Dog French Bulldog 7 years | $205.53 | $221.53 | $231.53 |
| Cat European Shorthair 1 year | $24.70 | $40.70 | $50.70 |
| Cat European Shorthair 3 years | $24.70 | $40.70 | $50.70 |
| Cat European Shorthair 7 years | $38.04 | $54.04 | $64.04 |
| Cat Maine Coon 1 year | $31.34 | $47.34 | $57.34 |
| Cat Maine Coon 3 years | $31.34 | $47.34 | $57.34 |
| Cat Maine Coon 7 years | $56.11 | $72.11 | $82.11 |
| Cat British Shorthair 1 year | $28.04 | $44.04 | $54.04 |
| Cat British Shorthair 3 years | $28.04 | $44.04 | $54.04 |
| Cat British Shorthair 7 years | $38.27 | $54.27 | $64.27 |
Progressive Promo Codes
| Progressive Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will be reimbursed with Progressive?
✅ Example 1: Consultation and medication for allergic dermatitis
Total vet costs: $250 (consultation $125 + medication $125)
Deductible amount to subtract: $100 (annual deductible selected)
Amount reimbursable after deductible with the Accident & Illness + Best Wellness plan at 90%: $250 – $100 = $150
90% of that amount reimbursed: $150 × 90% = $135
Remaining out-of-pocket cost: $250 – $135 = $115
👉 You receive a reimbursement of $135.
ℹ️ _The deductible applies once per policy year; future eligible claims in the same year won’t be reduced by the deductible again unless it resets._
✅ Example 2: Cruciate ligament surgery (TPLO)
Total vet costs: $6,500 (surgery $5,800 + anesthesia $400 + post‑op meds and rehab $300)
Deductible amount to subtract: $0 (deductible already met earlier in the policy year)
Amount reimbursable after deductible with the Accident & Illness + Best Wellness plan at 90%: $6,500 – $0 = $6,500
90% of that amount reimbursed: $6,500 × 90% = $5,850
Remaining out-of-pocket cost: $6,500 – $5,850 = $650
👉 You receive a reimbursement of $5,850.
ℹ️ _Large claims count against your annual coverage limit; if you chose a finite annual limit, confirm the remaining limit after a major procedure._
✅ Example 3: Annual wellness package (vaccinations, fecal/heartworm tests, dental cleaning)
Total vet costs: $220 (vaccines $80 + lab tests $60 + dental cleaning contribution $80)
Deductible amount to subtract: $0 (wellness add‑on items are not subject to the medical deductible)
Amount reimbursable after deductible with the Accident & Illness + Best Wellness plan at 90%: $220 – $0 = $220
90% of that amount reimbursed: $220 × 90% = $198
Remaining out-of-pocket cost: $220 – $198 = $22
👉 You receive a reimbursement of $198.
ℹ️ _Wellness benefits are often subject to per‑service or annual caps defined by the wellness add‑on; check your plan’s wellness limits before assuming full coverage._
Progressive Assistance
Progressive policyholders benefit from an always‑available clinical support line—Pets Best’s 24/7 Pet Helpline and Companion Protect’s CARE team—which provides immediate triage and pet‑care guidance for urgent situations.
Wellness services (vaccinations, routine dental, parasite control, exam fees) are not part of the core plan and must be added as optional riders, so owners should choose wellness add‑ons if they want integrated preventive care.
Core cover explicitly excludes ambulance transport and boarding fees, which means owners should budget for emergency transport and temporary care separately.
Administration by Pets Best gives members access to Pets Best customer channels and online services for account management and claims submission.
Owners needing guaranteed in‑clinic direct billing or an advance‑payment solution should verify those options before purchase, as Progressive’s standard assistance centers on virtual triage and digital administration rather than guaranteed direct vet billing.
| Assistance Progressive | Available? | Details |
|---|---|---|
| Advance payment | N.C. | N.C. |
| Payment facilities | N.C. | N.C. |
| Mobile app | N.C. | N.C. |
| Paperless claims process | N.C. | N.C. |
| Emergency vet service | ✅ | 24/7 Pet Helpline via Pets Best and Companion Protect CARE team. Provides virtual triage and pet‑care guidance at no extra cost. |
| Vet/clinic partner network | N.C. | N.C. |
| Coverage abroad | N.C. | N.C. |
Provides virtual triage and pet‑care guidance at no extra cost.
Progressive customer reviews
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 1.2/5 (1,401 reviews) |
Some policyholders praise Progressive’s pet plans for competitive pricing on certain options and a straightforward enrollment process that made coverage easy to obtain, while a subset reports stable, multi‑year relationships without major incidents.
However, the dominant themes among critical reviews are difficulties with customer service responsiveness, unexpected premium increases compared with initial quotes, and frequent disputes or delays during claims processing; many owners describe frustrating experiences with billing, cancellations, and reaching support.
No pet‑insurance‑specific customer reviews for Progressive are available on major public review platforms, so illustrative examples cannot be provided.
Contact Progressive
| Progressive Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. You can also visit Progressive’s pet insurance page or the administrator’s website at www.PetsBest.com to obtain a quote or begin the subscription process, or call customer service at 877-738-7237 for assistance. |
| To request and track a reimbursement | Initiate a claim by contacting the administrator, Pets Best Insurance Services, LLC, by phone at 877-738-7237 or via www.PetsBest.com. Submit required documentation through the administrator’s claims channels as instructed when you open the claim. Required documents (e.g., itemized veterinary invoice, medical records): N.C. Deadlines for claim submission: N.C. How to track a claim: via your online account on the administrator’s site or by contacting customer service. Reimbursement method(s) (direct deposit, check): N.C. |
| To obtain a certificate of insurance | Request a certificate by logging into your policyholder account on www.PetsBest.com or by calling 877-738-7237. Be prepared to provide your policy number, policyholder name, and pet details (name/breed). Delivery channels for the certificate (email, postal mail) and processing times: N.C. |
| To contact assistance | Phone: 877-738-7237. Website/online account: www.PetsBest.com. Postal mail: 10840 Ballantyne Commons Parkway, Charlotte, NC 28277. 24/7 vet support: access to Pets Best’s 24/7 pet helpline as indicated by Progressive. Email contact address for general inquiries: N.C. Online claims/forms portal: N.C. |
| To cancel my policy | To cancel, contact Pets Best at 877-738-7237 or use your online policyholder account to submit a cancellation request; provide your policy number and policyholder name. Specific cancellation notice periods, effective date rules, and refund/prorated refund conditions: N.C. Confirmation of cancellation method (written/email/portal): N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Progressive?
N.C. on whether a direct third‑party payment or advance payment system is universally available through Progressive’s Pets Best administration. To confirm if a specific clinic can bill the insurer directly, contact Pets Best at 877-738-7237 or check your policy materials for a direct‑pay option. If direct billing is not available for your clinic, typical practice is to pay the provider and submit a claim for reimbursement. Ask Pets Best whether prior approval or direct‑pay arrangements can be arranged before treatment to reduce out‑of‑pocket costs.
How do I cancel my pet insurance policy with Progressive?
Contact Pets Best (administrator) by phone at 877-738-7237 or use your online account to request cancellation and provide your policy number and the desired effective cancellation date. Ask for confirmation of any prorated refund or outstanding premium and request written confirmation of the cancellation. Keep the cancellation reference or email for your records in case of future billing questions. Cancellation terms and any short‑term fees are handled according to your policy schedule, so verify specifics when you call.
What are the waiting periods for accident and illness coverage with Progressive?
Accident coverage typically has a 3‑day waiting period before claims are eligible, while illness coverage generally begins after 14 days. Cruciate ligament events carry a longer 6‑month waiting period before coverage applies for that specific condition. Check plan documents for any condition‑specific or rider‑specific waiting periods before seeking treatment.
How do reimbursement rates and annual limits work on Progressive plans?
Progressive (via Pets Best) offers reimbursement options of 50%, 60%, 70%, 80%, or 90% that determine the portion of eligible costs you are paid back. Annual limits can be $2,500, $5,000, $10,000, or unlimited, and your choice affects the premium you pay. Higher reimbursement percentages and higher or unlimited annual limits reduce out‑of‑pocket exposure but raise the monthly cost. Verify your selected reimbursement percentage and annual limit on your policy schedule so you know how much the insurer will cover per claim and per policy year.
What common exclusions should I be aware of under Progressive’s pet insurance?
Core exclusions include pre‑existing conditions, routine preventative care (vaccinations, parasite prevention, wellness exams), elective or cosmetic procedures, and breeding or pregnancy‑related costs. Dental prophylaxis and many routine dental procedures are excluded unless covered by a wellness add‑on, and experimental or holistic treatments are not covered unless a specific rider applies. Owner‑related exclusions and catastrophic event exclusions (pandemic, war, nuclear events) also apply, so review the exclusion list before filing a claim.
What assistance services are available with Progressive pet insurance?
Progressive provides access to Pets Best’s 24/7 pet helpline for veterinary advice and basic guidance at any hour. Optional wellness and other riders can add coverage for routine care or alternative therapies, depending on the add‑on purchased. For prior approvals, claims help, or to learn how to use the helpline, contact Pets Best at 877-738-7237 or log in to your policyholder account. Keep contact details and your policy number handy when requesting support.
Do I have to pay upfront for veterinary fees with Progressive?
N.C. on whether a direct third‑party payment or advance payment system is universally available through Progressive’s Pets Best administration. To confirm if a specific clinic can bill the insurer directly, contact Pets Best at 877-738-7237 or check your policy materials for a direct‑pay option. If direct billing is not available for your clinic, typical practice is to pay the provider and submit a claim for reimbursement. Ask Pets Best whether prior approval or direct‑pay arrangements can be arranged before treatment to reduce out‑of‑pocket costs.
How do I cancel my pet insurance policy with Progressive?
Contact Pets Best (administrator) by phone at 877-738-7237 or use your online account to request cancellation and provide your policy number and the desired effective cancellation date. Ask for confirmation of any prorated refund or outstanding premium and request written confirmation of the cancellation. Keep the cancellation reference or email for your records in case of future billing questions. Cancellation terms and any short‑term fees are handled according to your policy schedule, so verify specifics when you call.
What are the waiting periods for accident and illness coverage with Progressive?
Accident coverage typically has a 3‑day waiting period before claims are eligible, while illness coverage generally begins after 14 days. Cruciate ligament events carry a longer 6‑month waiting period before coverage applies for that specific condition. Check plan documents for any condition‑specific or rider‑specific waiting periods before seeking treatment.
How do reimbursement rates and annual limits work on Progressive plans?
Progressive (via Pets Best) offers reimbursement options of 50%, 60%, 70%, 80%, or 90% that determine the portion of eligible costs you are paid back. Annual limits can be $2,500, $5,000, $10,000, or unlimited, and your choice affects the premium you pay. Higher reimbursement percentages and higher or unlimited annual limits reduce out‑of‑pocket exposure but raise the monthly cost. Verify your selected reimbursement percentage and annual limit on your policy schedule so you know how much the insurer will cover per claim and per policy year.
What common exclusions should I be aware of under Progressive’s pet insurance?
Core exclusions include pre‑existing conditions, routine preventative care (vaccinations, parasite prevention, wellness exams), elective or cosmetic procedures, and breeding or pregnancy‑related costs. Dental prophylaxis and many routine dental procedures are excluded unless covered by a wellness add‑on, and experimental or holistic treatments are not covered unless a specific rider applies. Owner‑related exclusions and catastrophic event exclusions (pandemic, war, nuclear events) also apply, so review the exclusion list before filing a claim.
What assistance services are available with Progressive pet insurance?
Progressive provides access to Pets Best’s 24/7 pet helpline for veterinary advice and basic guidance at any hour. Optional wellness and other riders can add coverage for routine care or alternative therapies, depending on the add‑on purchased. For prior approvals, claims help, or to learn how to use the helpline, contact Pets Best at 877-738-7237 or log in to your policyholder account. Keep contact details and your policy number handy when requesting support.
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