If you're a pet parent, you know how expensive veterinary care can be. Progressive Pet Insurance, underwritten by Pets Best, is a well-known name in the market offering customizable pet insurance plans. But is it the right choice for you and your furry friend? Let’s take a deep dive into what it offers, its pros and cons, real customer feedback, and whether it’s worth the investment.
Overview
Progressive Pet Insurance is designed to cover accidents, illnesses, and routine care, with plans that cater to a variety of budgets and pet health needs. Partnering with Pets Best, the company provides flexible insurance options for dogs and cats with no upper age limits. Whether you're looking for basic accident-only coverage or a more comprehensive plan, Progressive aims to offer peace of mind for pet owners.
Features and Benefits
- Customizable Plans:
- Choose deductibles between $50 and $1,000.
- Reimbursement rates of 70%, 80%, or 90%.
- Annual limits ranging from $5,000 to unlimited.
- Accident and Illness Coverage:
- Covers diagnostics, treatments, surgeries, and prescriptions for covered conditions.
- Includes chronic conditions like diabetes or arthritis (as long as they aren't pre-existing).
- Accident-Only Option:
- Ideal for owners looking to protect against sudden mishaps like broken bones or ingestion of foreign objects.
- Routine Care Add-Ons:
- Wellness plans to help with regular expenses like vaccinations, dental cleanings, and spaying or neutering.
- No Upper Age Limit:
- Whether you have a rambunctious puppy or a senior pet, you can enroll without restrictions.
- 24/7 Helpline:
- Get advice anytime from veterinary professionals.
- Multi-Pet Discounts:
- Save 5% when you insure more than one pet.
- Fast Claim Processing:
- Claims are processed within 5-7 business days, with reimbursements via direct deposit.
The Pros
- Affordable Options for Every Budget: Progressive allows you to design a plan that fits your financial needs, which is great for pet parents with varying budgets.
- Wide Coverage Options: From basic accidents to comprehensive illness and wellness care, there’s a plan for everyone.
- Senior Pets Welcome: Many insurance providers shy away from older pets, but Progressive embraces them.
- 24/7 Access to Help: The 24/7 helpline is invaluable for quick questions about your pet’s health.
- Transparent Pricing: Get an instant quote online with no hidden fees.
The Cons
- Exclusions for Pre-Existing Conditions: Like most pet insurance policies, Progressive does not cover pre-existing conditions. It’s crucial to enroll before your pet shows signs of illness.
- Waiting Periods:
- 14-day waiting period for illnesses.
- 6-month waiting period for cruciate ligament injuries in most states.
- Routine Care Not Standard: Routine care is only available as an add-on, so you'll pay extra for coverage like vaccinations and flea prevention.
- Limited Coverage for Exotic Pets: Progressive only covers dogs and cats, leaving exotic pet owners out of luck.
Testimonials from Real Pet Owners
"Progressive has been a lifesaver for my Golden Retriever. After he tore his ACL, the claim process was seamless, and I was reimbursed quickly. The customizable plans made it affordable for me." – Linda, Oregon
"I like that Progressive offers wellness add-ons, but the waiting period for ligament issues was frustrating. My Labrador needed surgery right after I enrolled, and it wasn’t covered." – James, Florida
"The 24/7 helpline is fantastic. I called at midnight when my cat was acting strange, and they guided me on what to do until I could get to the vet." – Sophie, California
Who Is Progressive Pet Insurance Best For?
This insurance is ideal for:
- Pet Owners on a Budget: Flexible deductibles and reimbursement rates make it accessible.
- Senior Pet Parents: No age limits ensure coverage even for older pets.
- Multi-Pet Households: The 5% discount can add up if you have multiple pets.
- Owners Who Want Flexibility: From accident-only to comprehensive plans, there’s something for everyone.
How Much Does It Cost?
Progressive’s pet insurance costs vary based on factors like your pet’s age, breed, location, and chosen coverage. For example:
- Accident-Only Plan: As low as $6 per month.
- Comprehensive Plan: Ranges from $20 to $50+ per month, depending on coverage levels.
Adding a routine care plan starts at $16 per month.
Our Verdict
Progressive Pet Insurance stands out for its flexibility, affordable pricing, and no upper age limit for pets. The variety of plan options ensures that most pet owners can find coverage that fits their needs. While waiting periods and exclusions for pre-existing conditions are drawbacks, these are common across the industry. If you're looking for reliable, customizable pet insurance with helpful features like a 24/7 helpline, Progressive is a solid choice.
Final Rating: 4.5/5 Stars
Progressive Pet Insurance strikes a balance between affordability and coverage. It’s a great option for pet parents who want flexibility and quick claims processing. If you’re proactive about your pet’s health and sign up early, it can be a lifesaver in protecting against unexpected veterinary costs.
