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Progressive Pet Insurance Review: Best Value for Money

Overall Rating : 3 / 5

  • Name of Insurance Provider PetFirst Pet Insurance
  • Year of Establishment 1937
  • Key Features Budget-friendly
  • Coverage Limits $5000
  • Waiting Period 14 days
  • Website
  • Phone Number 855-347-3939


All You Need to Know

Important : Progressive Pet Insurance has been growing its network by providing transparent, fast, and comprehensive insurance services to cat and dog parents all across the States.


  • Budget friendly insurance policies
  • Single annual deductible, irrespective of the plan
  • Flexible payment plans
  • Super fast claim processing
  • No upper age limit for pets


  • No coverage for behavioral issue
  • Only two annual limits, both expensive

Due to their budget-friendly and customizable plans, Progressive Pet Insurance is a great choice for any pet owner who wants to explore pet insurance without spending a bomb.
However, none of their policies on offer cover behavioral issues.

Progressive Pet Insurance was founded in 1937 with the commitment to provide impeccable service to pet owners in the USA and Canada.

Tricia Griffith, President & Chief Executive Officer says, “Progressive people and our culture are collectively our most powerful source of competitive advantage.” True to her words, Progressive Pet Insurance believes in providing ethical, efficient, and compassionate service to its customers. That, along with its pocket-friendly and customizable plans, makes it a good pet insurance to consider.


What Does Progressive Pet Insurance Cover?

Progressive Pet Insurance covers costs incurred by common accidents, illnesses, emergency care, diagnostic testing, specialist visits, preventive care, vaccinations, and spaying/neutering surgeries.

One of the best things about Progressive Pet Insurance is that you can customize the plan according to your budget and your pet’s needs. Most of the costs that arise with your routine vet visits will also be covered by one of the four Progressive Pet Insurance policy plans.

Besides, you can always add two optional plans offered by Progressive Pet Insurance — Essential Wellness Plan and Best Wellness Plan.


overview of Progressive Pet Insurance review

Available Plans

Progressive Pet Insurance offers 4 main plans along with 2 optional plans. There’s an Accident Only for accidental injuries, a BestBenefit Plan for both accidents and illnesses, a BestWellness, and an EssentialWellness plan.

All plans, except for an Accident Only plan, can be customized according to your preference.


  • PlansPricing (Per Month)
  • Accident Only plan$9
  • BestBenefit plan$36
  • EssentialWellness plan $16
  • BestWellness plan$26


Plan Pricing

The Accident Only Plan is priced at $6/month for cats and $9/month for dogs. The BestBenefit comprehensive plans start at $21/month and $36/month for cats and dogs respectively.

Apart from these two plans, you can choose their EssentialWellness Plan for $16/month and BestWellness Plan for $26/month.

All these prices can vary according to the customizations you choose. The monthly rates of the policies offered by Progressive Pet Insurance do not change with your pet’s age.


  • TreatmentIncluded in Plan?
  • Diagnostic TestsYes
  • Dental CareYes
  • Cremation and burial costsNo
  • Spaying/neutering costs Yes
  • VaccinationsYes
  • Behavioral treatmentNo
  • BoardingNo
  • Exam FeesYes
  • Preventive careYes
  • GroomingNo
  • IllnessesYes
  • AccidentsYes
  • Flea/tick preventionYes
  • MicrochipYes
  • DewormingYes


What’s Included?

The two optional plans offered by them include:

  • Illnesses
  • Accidents
  • Preventive care
  • Vaccinations
  • Examination costs
  • Dental health checkups
  • Spaying/neutering costs
  • Diagnostic tests

Also Read: Common Dog Health Problems and Solutions



What’s Not Included?

Does Progressive pet insurance cover prescription dog food? It does not.

Progressive Pet insurance, like most pet insurance companies, does not cover the costs of pre-existing conditions.

Holistic therapies, food and dietary supplements, grooming, boarding, and other non-medical costs are also excluded.


Pre Existing Conditions

Pre-existing conditions are not covered by Progressive Pet. This is per standard regulations.


Coverage Limits

Very limited coverage options are available for policyholders to choose from. Only two annual limits are provided by the policy, a limit of $5000, or unlimited.



Pets Best services all the policies offered by Progressive Pet Insurance. You have to file the claims directly with them.

You can also file them through the Vet Direct Pay service. Your vet will be reimbursed directly within 5 days via this service.


waiting period of Progressive Pet Insurance

Waiting Period

A waiting period of 3 days is applicable after enrolling for the accidental injuries plan. For illnesses, a waiting period of a maximum of 14 days is applicable.

If you have opted for a wellness plan, you can reap its benefits the day after you enroll. They don’t have any waiting periods.

However, conditions that affect ligaments can only be claimed after 6 months of enrolment.

Also Read: Why is My Dog Bleeding from Ear? Causes and Treatment



The added expense of veterinary bills and pet medical expenses can leave the best of us in a state of distress.

Progressive Pet Insurance Plans, with its budget-friendly policies, helps those who want the very best care for their pets. Progressive Pet Insurance understands the dilemma of pet owners. It supports these issues via its customizable, easy-to-understand, and inexpensive plans.

Progressive Pet only insures cats or dogs. As a result, this Progressive Pet Insurance review isn’t helpful to pet parents who have birds, turtles, or any other pets.

Frequently Asked Questions

What Is The Cancellation Policy Of Progressive Pet Insurance?

You can either mail a letter to Progressive at 6300 Wilson Mills Rd, Mayfield Village, OH 44143 a week before you want to cancel the policy. Or, you can call Progressive Pet insurance on 888-416-2003 and put your concerns in front of them.

What Does Progressive Pet Insurance Not Cover?

Does Progressive pet insurance cover neutering? Only the BestWellness plan does. Progressive Pet Insurance also does not cover the following:

  • Non-veterinary costs
  • Boarding
  • Grooming
  • Cremation and burial costs
  • Behavioral treatment

Is There a Waiting Period After Enrollment?

Yes, the waiting period after enrollment varies from policy to policy. For illnesses, a waiting period of 14 days is applicable but injuries are covered after 3 days from the enrollment date.


Meet Paul, a devoted dog dad to the delightful French Bulldog, Cofi. With a flair for humor and a deep understanding of Frenchie quirks, Paul brings a lighthearted touch to his writings. His relatable stories and practical insights are a blend of laughter and valuable advice and resonate with fellow dog owners.

Through his words, Paul aims to celebrate the joys and challenges of being a dedicated pet parent, reminding you that life is simply better with a four-legged, snorting sidekick by your side.