Progressive Pet Insurance Review

Progressive pet insurance plans and cost

Your choices include a plan for accidents and illness, an accident-only policy, or adding a routine wellness option. One published example for progressive dog insurance, taken from MarketWatch sample quotes, puts the monthly average premium for dogs at $35. That figure reflects sample quotes for a dog, not a typical price for every pet.

When you set up your policy, you can choose an unlimited annual limit. This is the most a plan pays for claims in a year. An 80% payback tier falls between the lowest and highest options, and you can choose it as well. Published policy summaries leave out the specific out-of-pocket minimums and discount options.

Coverage and exclusions from Progressive

With standard progressive animal insurance policies, you get help paying for unexpected injuries and sicknesses in dogs and cats. Covered veterinary care differs by plan, so the plan you select decides which of these it covers:

• Hereditary and congenital conditions a pet inherits from its parents
• Treatments offered through alternative therapy
• Routine care, available with the optional wellness add-on
• Fees for veterinary exams, though the Essential plan doesn't cover them

Each policy also comes with clear exclusions. Generally, the company won't cover a pre-existing condition, meaning any injury or illness for which your pet showed signs before coverage began. Dietary expenses plus non-veterinary services are excluded too (grooming and boarding, for example).

Waiting periods and age limits at Progressive

You can enroll puppies and kittens from 7 weeks of age. Older pets can sign up as well, since no upper age limit applies for enrollment.

Once you sign up, coverage starts only once the required waiting periods have passed:

• Accidents: 3 days
• Illnesses: 14 days
• Orthopedic conditions: 30 days
• Cruciate ligament claims: 6 months

Progressive's claims and reimbursement

After your veterinary visit, you can file a claim online through the Progressive website. After approval, the plan returns the percentage of the covered bill that you chose.

You may also select direct vet pay, so the insurer can send the money straight to the veterinarian. Direct payment means you don't need to cover the whole covered bill upfront when checking out. The published policy details don't give a processing time for claims in days.

Who Progressive works for

We find this coverage a fit for owners of older dogs or cats, especially senior pets that other plans with strict age caps may reject. It also fits families looking for unlimited yearly payouts, hereditary condition coverage, and direct vet payment as an option.

Your pet may need fast coverage for knee ligament issues, in which case you may want to look at other insurers. The base Essential policy leaves out veterinary exam fees, and health problems your pet already has are generally excluded.

Questions people often ask

Is Progressive pet insurance worth the money you pay?

Whether a policy suits you depends on the age of your pet and possible health risks later on. This coverage works well for senior pets and for families who want coverage for hereditary conditions plus an unlimited yearly cap. You should still weigh the Essential tier's exclusions and the longer waiting period for knee ligament care.

Are pre-existing conditions covered by Progressive pet insurance?

In general, these policies don't cover conditions that began before enrollment. Check the policy terms before buying to learn how the insurer treats symptoms that show up before waiting periods end.

How can I request a Progressive pet insurance quote?

Online quotes are available on the Progressive website. Not every pricing factor appears in the published details. Your exact monthly cost can only be seen by checking a quote for your own pet.

Are cats covered by Progressive pet insurance?

Yes, coverage is available for cats and dogs. For cats, you can select an accident and illness policy, an accident-only plan, or the added wellness coverage. No monthly price example for cats appears in the published sample quotes.