Progressive has been providing competitively priced insurance plans since 1937. This well-known carrier teamed up with Pets Best in 2007 to administer its Progressive Pet Insurance policies. Progressive insures cats and dogs that are at least seven weeks old (a little older than the industry standard of six).
The company offers three customizable plans, compared to many providers that only offer one plan for medical and one for wellness.
Progressive’s pet insurance policies are a unique offering in the industry and provide budget-friendly protection for active pets unlikely to suffer severe illness.
Progressive also offers a five percent discount to policyholders who insure multiple pets, making them an excellent choice for families with numerous four-legged family members.
Finding the best pet insurance requires careful consideration of the coverage options, policy costs based on your unique situation, benefit limits, easy claims processing, and satisfactory customer service.
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Progressive Pet Insurance Coverage Options
Unlike many pet insurance providers that only offer two insurance plans that generally cover medical or wellness, Progressive provides three options.
Policyholders can choose Progressive pet insurance coverage for accident and illness care, accident-only care, or wellness care for dogs or cats of any breed.
Accident and Illness Care
Progressive’s BestBenefit Accident and Illness Plan is its most popular offering and provides comprehensive coverage for all types of accidents and illnesses. Coverage includes small and large illnesses from allergies and skin infections to chronic conditions or diseases such as cancer or diabetes.
These policies also cover heredity and congenital conditions, which are excluded by some insurance providers, and can include common ailments such as heart disease, glaucoma, kidney disease, epilepsy, and hip dysplasia.
Treatment for accidental injuries, including broken bones, lacerations, and unplanned ingestions, are another area of protection under these plans and provide policyholders with well-rounded coverage for pets.
Other valuable treatments and services covered under this plan include:
- After-hours emergency care
- Alternative care
- Behavioral therapy
- Diagnostic testing, including MRI, CT scans, and X-rays
- Prescription medications (excluding prescription food)
- Prosthetics and mobility aids
- Specialty care
- Surgery (excluding cosmetic)
Designed for pet owners on a tight budget, Progressive’s accident-only plans offer the lowest cost option to cover emergency care for your pet following an unexpected accident.
While these plans don’t include any illness, you’ll receive a flat monthly rate on cost-effective coverage for all kinds of accidental injuries, including bite or claw wounds, and broken bones or lacerations caused by being hit by a car or similarly traumatic event.
Progressive’s wellness or routine care plans are available as stand-alone policies or as an add-on to its other two pet insurance products. These plans cover routine and preventative care, including:
- Annual wellness check-ups
- Blood work
- Dental cleanings
- Preventive treatment for fleas, ticks, and heartworms
Waiting periods for covered treatments and procedures do apply. Often called a medical exclusion period, a waiting period is the amount of time you must wait before your new insurance policy becomes active and begins paying for pet care.
Many insurance providers require a five-day wait before accident coverage kicks in, but Progressive’s is only three days. Progressive’s waiting period for illness coverage is 14 days, which is relatively standard industry-wide, though some companies make you wait as long as 30 days.
Like most pet insurance providers, Progressive pet insurance plans won’t cover preexisting conditions or preventive, elective, or cosmetic procedures. As is common for most pet insurers, Progressive allows unrestricted access to the pet care providers of your choice, including veterinarians, clinics, and specialists.
To open a new policy, some insurance providers require that pets be at least eight weeks old, but others insure pets as young as six weeks. Progressive falls in the middle with policies available for pets seven weeks old and up.
Progressive Pet Insurance Costs & Benefit Limits
Pet insurance is very similar to its human equivalent, with some of the same variables affecting the overall cost of your policy. When purchasing insurance for your pet, apart from the type of policy you’re buying, six factors significantly affect the price.
- Location: Like other types of insurance, where you live can impact the cost of insuring your pet. Typically, insurance costs are higher in large cities as compared to rural communities.
- Pet species: Policies for cats are typically much lower in price than those for dogs.
- Pet breed: Some cat and dog breeds are predisposed to certain medical conditions based on size for dogs, and genetics for either species. Hereditary disorders are especially common in purebred animals, so breeds with a higher potential for future health issues typically affect insurance policy prices.
- Pet age: As pets age, illness becomes more likely, and senior dogs are more apt to suffer an injury. Most pet insurance policy prices increase as your pet ages, even when renewing an existing policy, and some insurance companies won’t insure pets over a certain age.
- Deductible level: Pet policies come with either an annual or a lifetime-per-incident deductible, which is the amount you must spend out-of-pocket before the insurance company pays out on claims. Insurance providers offer a variety of deductible levels: the higher your deductible, the lower your policy cost.
- Reimbursement level: Once you meet your deductible, your pet insurance company will reimburse you for eligible expenses up to the amount of your reimbursement level, which is always expressed as a percentage. Some providers offer a single level, while others provide a range. The higher your reimbursement rate, the higher the cost of your policy.
While you can’t alter the first four factors, you do have some control over the final two. Progressive’s customizable plans allow consumers to build policies that best fit their budgets. You choose from a wide range of annual deductibles between $50 and $1,000 and reimbursement rates from 70 to 90 percent.
Is Progressive Pet Insurance Affordable?
Under certain circumstances, a BestBenefit Accident and Illness Plan from Progressive can cost as little as $1 a day, even with a 90 percent reimbursement option. While this is Progressive’s most comprehensive policy, consumers on a tight budget may choose accident-only coverage, an even more cost-effective option.
The minimum monthly premium for a Progressive pet insurance policy is $30.06 for dogs and $16.52 for cats, quite a bit lower than the 2017 national averages. According to the North American Pet Health Insurance Association, the latter were $44.66 for dogs and $27.93 for cats per month for accident and illness coverage and $15.84 for dogs and $12.72 for cats per month for accident only coverage.
When looking at Progressive pet insurance, you should also pay attention to benefit limits or coverage caps, which limit the dollar amount you can claim on your policy. It’s common for a pet insurance policy to have an annual coverage cap, but some providers include a lifetime benefit limit.
When you reach your annual cap, you must wait until the next year before making more claims. Reaching a lifetime cap means you’re not allowed any more reimbursements and your policy is effectively terminated. Progressive offers adjustable plan limits with coverage caps on Essential and Plus plans at a generous $5,000 per calendar year, and unlimited benefits available on Elite plans.
Progressive Pet Insurance Claims Process & Customer Service
Pets Best, which is the administer of Progressive pet insurance, has an A+ rating with the BBB.
They have 54 complaints on file, however, a majority of these complaints arose from non-payment of claims that, after further investigation, were legitimately denied due to standard coverage stipulations. The reasons for denials on these claims were either preexisting conditions or that the policyholder didn’t wait the full 14 days before seeking veterinary care.
Pet insurance policies clearly state that preexisting conditions, as well as injuries or illnesses directly related to it, aren’t covered. To access treatment under coverage, new policyholders must wait the full 14-day waiting period before visiting the veterinarian.
All complaints received a very detailed response, explaining why the claim was legitimately denied, often encouraging the issuer to contact the company directly for further assistance.
While Progressive doesn’t offer 24/7 customer service, policyholders have several options that provide a seamless digital experience. Progressive provides a convenient mobile app for paying your bill, viewing or updating your policy, and starting the quote process. It also has an online portal for requesting a quote, buying a new policy, or submitting claims.
By embracing the digital age, Progressive makes it easier for policyholders to view their policy, track their claims, and fulfill many other needs. As part of your Progressive pet insurance policy, you also get free 24-hour access to veterinary experts for answers to all your pet health-related questions.
Progressive Phone Number & Contact Information
Progressive is a member of the National American Pet Health Insurance Association. Visit Progressive’s website to learn more about the customizable plans available that provide affordable pet insurance coverage.
- Homepage URL: https://www.progressive.com/pet-insurance/
- Company Phone: 855-347-3939
- Headquarters Address: 6300 Wilson Mills Road, Mayfield Village, OH 44143
- Year Founded: 1937