Progressive Pet Insurance Review & Complaints: Pet Insurance

Progressive Pet Insurance is actually an affiliation between the Progressive insurance company and Pets Best pet insurance providers. There are no pet insurance discounts available from Progressive, and if you're interested in a pet insurance bundle you will have to visit the Pets Best website.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

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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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 9, 2022

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Progressive Pet Insurance

Financial Strength

Progressive offers pet insurance as an option on their website as a Progressive-branded offering through Pets Best Pet Insurance company, a pet insurance provider.

Progressive pet insurance policies are not actually underwritten or administered by Progressive but instead are handled entirely by Pets Best. This type of affiliation, commonly used by larger companies like Progressive to provide more of a one-stop shopping experience with a wide variety of coverage. However, the offering acts more as a partner referral and generally appeals to current Progressive customers who are seeking a pet insurance plan from a name they already trust.

What Is Pets Best?

Pets Best is a nationwide pet health insurance company based out of Boise, Idaho. They offer a range of major health insurance plans for dogs and cats that offer comprehensive coverage of vet bills for accidents and illnesses. Additionally, they have an accident-only pet insurance policy as well as the option to add on routine care services coverage.

A full review of Pets Best products, services, premiums, and ratings can be found in our pet insurance review.

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Are Progressive and Pets Best the same company?

Progressive and Pets Best are not connected in any solid way; the relationship is more of an affiliation. There is no financial benefit to purchasing your pet insurance policy through Progressive, nor is there any indication that an added discount is provided for a pet owner who is referred by Progressive.

Pets Best coverage is not connected with the Pet Injury protection that is offered as part of some Progressive auto insurance policies.

All quoting and issuing of the “Progressive pet insurance policies” actually occurs through the Pets Best website directly, and they handle all claims processing as well. The Progressive website directs interested customers over to the Pets Best site to obtain more information about the offers available from the insurer and complete the process.

What does Pets Best insurance cover?

There is more than one level of coverage offered by Pets Best, and additional coverage you can add to protect your pet. Coverage includes:

  • Veterinary bills
  • Chronic illness
  • Behavioral issues (limited coverage)
  • Dental illness (limited coverage)
  • Preventable conditions (limited coverage)
  • Diagnostics, including radiology and lab tests
  • Surgery, emergency services, hospitalization
  • Specialized care
  • Prescription meds (limited coverage)
  • End of life services (limited coverage)

Add-on coverages include:

  • Sick visit exam fees
  • Rehab therapies
  • Prescription supplements to treat covered conditions

What does Pets Best insurance not cover?

  • pre-existing condition or illness won’t be covered
  •  preventative care
  • spaying and neutering
  • nail trimming
  • de-worming
  • and grooming

A significant difference between pet insurance coverage and your own health insurance is that preventive pet care is sold separately.

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What discounts do Pets Best insurance offer?

Pets Best offers three discounts for your policy:

  • Optional preventive care benefits:
    • Essential wellness:
      • Reimburses a set amount per service per year (between $15-$50) from a list of 10 different services
    • Best wellness:
      • Reimburses a set amount per service per year (between $20-$150) from a list of 11 different services
  • Multiple pets: 5% off for each additional pet added to your plan
  • Money-back guarantee: Good for 30 days, as long as you have not received approval or payment for a claim (not valid in New York)

Call to check with your local insurance company to check on details such as your annual limit or annual deductible.

Is pet insurance worth the cost?

Pet parents know that the cost of pet ownership is not cheap, and it’s impossible to say whether pet insurance will ever pay for itself simply because no one can predict the future. Ultimately, having pet insurance is worth it for some people, but not for others.

Ideally, your pet will never suffer a major illness or injury that requires extensive veterinary care. But as with all insurance, the idea is that by paying a nominal fee for coverage, you’ll eliminate the risk of having to pay thousands in the unlikely event that your pet does face a critical emergency. Many pet owners feel that this cost is worth knowing they’ll never face a time that they can’t afford a life-saving procedure for their beloved 4-legged family members.

Do you need pet insurance?

If you’re unsure how you could afford expensive veterinary bills, pet insurance can prove to be critically important. Treatment for serious illnesses can be a financial burden without a pet insurance plan in place. For example, pet cancer has an average cost of over $3,100 per year.**

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The Bottom Line

Before making any final decisions about your insurance company, it is critical to learn as much as you can about your local insurance providers, and the coverage they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” What form of coverage do you recommend?” and “What is the average rate of insurance quotes you guys offer?” Coverage options may vary based on the state you live in.

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, Just plug in your zip code, and we’ll do the rest!

Are you looking for free insurance quotes?

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