Progressive's pet insurance (offered through Pets Best) scores 3.8 out of 5 for cats and 4.05 for dogs in MoneyGeek's analysis. It offers good coverage, ranking second nationally. Its premiums are more expensive for cat owners where it ranks sixth among competitors. Progressive requires a 14-day waiting period for accident coverage.
Progressive Pet Insurance Review
Updated: December 3, 2025
Advertising & Editorial Disclosure
Progressive Pet Insurance Review: Key Takeaways
Progressive ranks sixth in affordability for cats and fourth for dogs, with monthly premiums starting at $28 and $53, respectively.
Ranking fifth nationally for customer experience, Progressive has positive ratings with an A+ BBB rating and 4.3 out of 5 stars on Trustpilot.
Progressive ranks second nationwide for coverage, offering accident-only and accident and illness plans with optional wellness coverage add-ons.
Progressive Pet Insurance Ratings
Data filtered by:
Dog
| Affordability | 4.15 | 4 |
| Coverage | 4.04 | 2 |
| Customer Experience | 3.96 | 5 |
| Overall Score | 4.05 | 3 |
WHO IS PROGRESSIVE PET INSURANCE BEST FOR?
Progressive ranks among the best pet insurance companies for owners who want low deductibles and unlimited payouts. It also covers hereditary conditions and behavioral issues without additional costs.
Learn more about the best pet insurance options for your pet:
Progressive Pet Insurance Ratings by State
Progressive offers policies nationwide. For dogs, it achieves second place overall in one state and third place in 25 states. Cat coverage performs more moderately, with third place overall in one state. It is affordable for dogs, ranking second in five states and third in 20 states. Although Progressive doesn't offer the best pet insurance overall, it consistently ranks second for coverage nationwide.
Data filtered by:
Affordability
Dog
| Alabama | 4.30 | 3 |
| Alaska | 4.16 | 2 |
| Arizona | 4.13 | 4 |
| Arkansas | 4.33 | 3 |
| California | 4.12 | 5 |
| Colorado | 4.13 | 3 |
| Connecticut | 4.13 | 3 |
| Delaware | 4.13 | 3 |
| Florida | 4.13 | 4 |
| Georgia | 4.13 | 5 |
| Hawaii | 4.14 | 3 |
| Idaho | 4.16 | 4 |
| Illinois | 4.13 | 4 |
| Indiana | 4.18 | 4 |
| Iowa | 4.25 | 4 |
| Kansas | 4.21 | 4 |
| Kentucky | 4.36 | 3 |
| Louisiana | 4.22 | 3 |
| Maine | 4.13 | 2 |
| Maryland | 4.24 | 2 |
| Massachusetts | 4.13 | 4 |
| Michigan | 4.13 | 3 |
| Minnesota | 4.13 | 4 |
| Mississippi | 4.24 | 3 |
| Missouri | 4.29 | 3 |
| Montana | 4.22 | 2 |
| Nebraska | 4.22 | 4 |
| Nevada | 4.13 | 3 |
| New Hampshire | 4.13 | 4 |
| New Jersey | 4.13 | 5 |
| New Mexico | 4.27 | 4 |
| New York | 4.13 | 4 |
| North Carolina | 4.24 | 3 |
| North Dakota | 4.24 | 4 |
| Ohio | 4.13 | 3 |
| Oklahoma | 4.25 | 5 |
| Oregon | 4.13 | 4 |
| Pennsylvania | 4.13 | 3 |
| Rhode Island | 4.23 | 4 |
| South Carolina | 3.90 | 8 |
| South Dakota | 4.22 | 4 |
| Tennessee | 4.19 | 3 |
| Texas | 4.13 | 4 |
| Utah | 4.13 | 3 |
| Vermont | 4.18 | 2 |
| Virginia | 4.13 | 3 |
| Washington | 4.42 | 4 |
| West Virginia | 4.20 | 3 |
| Wisconsin | 4.13 | 3 |
| Wyoming | 4.25 | 4 |
Progressive Pet Insurance Comparison
See how Progressive pet insurance fares against national competitors below.
Progressive vs. AKC | • Dogs: 4.05 vs. 4.30 • Cats: 3.80 vs. 3.85 | AKC offers stronger coverage and higher overall scores, while Progressive is more affordable for dogs. |
Progressive vs. ASPCA | • Dogs: 4.05 vs. 3.85 • Cats: 3.80 vs. 3.35 | ASPCA has cheaper dog plans, but Progressive offers better coverage and balanced scores for both pets. |
Progressive vs. Embrace | • Dogs: 4.05 vs. 2.55 • Cats: 3.80 vs. 2.30 | Progressive is stronger across all categories, offering better affordability, coverage and overall value than Embrace. |
Progressive vs. Fetch | • Dogs: 4.05 vs. 2.70 • Cats: 3.80 vs. 2.95 | Fetch has decent coverage, but Progressive wins on affordability and customer service |
Progressive vs. Figo | • Dogs: 4.05 vs. 3.60 • Cats: 3.80 vs. 3.80 | Figo is cheaper for cats, but Progressive provides more consistent coverage |
Progressive vs. Hartville | • Dogs: 4.05 vs. 3.50 • Cats: 3.80 vs. 3.90 | Hartville has affordable cat coverage, but Progressive is stronger for dogs |
Progressive vs. Lemonade | • Dogs: 4.05 vs. 4.50 • Cats: 3.80 vs. 4.25 | Lemonade is cheaper and scores higher overall, but Progressive offers more comprehensive coverage |
Progressive vs. Liberty Mutual | • Dogs: 4.05 vs. 2.65 • Cats: 3.80 vs. 2.30 | Progressive outperforms Liberty Mutual in all areas, with stronger affordability, coverage and customer service. |
Progressive vs. MetLife | • Dogs: 4.05 vs. 3.05 • Cats: 3.80 vs. 2.40 | Progressive is the clear winner, delivering higher scores and better service than MetLife across the board. |
Progressive vs. Nationwide | • Dogs: 4.05 vs. 2.50 • Cats: 3.80 vs. 2.65 | Nationwide lags in affordability, while Progressive offers stronger coverage and a more balanced plan. |
Progressive vs. Pumpkin | • Dogs: 4.05 vs. 3.70 • Cats: 3.80 vs. 4.15 | Pumpkin is more affordable for cats, but Progressive excels in coverage for dogs. |
Progressive vs. Rainwalk | • Dogs: 4.05 vs. 4.05 • Cats: 3.80 vs. 3.95 | Rainwalk excels in customer service, while Progressive provides stronger coverage and affordability. |
Progressive vs. Spot | • Dogs: 4.05 vs. 3.75 • Cats: 3.80 vs. 4.15 | Spot is more affordable for cats, but Progressive maintains better overall coverage. |
How Much Does Progressive Pet Insurance Cost?
Progressive’s pet insurance averages about $53 per month ($643 per year) for dogs and $28 per month ($329 per year) for cats. Your actual rate varies based on factors like your location, your pet’s breed, and the level of coverage you choose.
| Dog | $53 | $60 | $643 | $723 | 11% |
| Cat | $28 | $32 | $329 | $379 | 13% |
Progressive Pet Insurance Rates by State
Pet insurance pricing varies by state because veterinary costs and claim trends differ across regions. Progressive offers the cheapest pet insurance for cats in Arkansas at $19 per month, while the highest cat rate is $36 in Massachusetts.
For dogs, prices start at $36 per month in Arkansas and go up to $69 in Massachusetts.
Data filtered by:
Dog
| Alabama | $39 | $473 |
| Alaska | $52 | $627 |
| Arizona | $65 | $783 |
| Arkansas | $36 | $431 |
| California | $67 | $814 |
| Colorado | $67 | $810 |
| Connecticut | $61 | $735 |
| Delaware | $54 | $647 |
| Florida | $60 | $729 |
| Georgia | $48 | $580 |
| Hawaii | $54 | $650 |
| Idaho | $53 | $644 |
| Illinois | $66 | $797 |
| Indiana | $48 | $582 |
| Iowa | $45 | $541 |
| Kansas | $48 | $583 |
| Kentucky | $42 | $509 |
| Louisiana | $43 | $518 |
| Maine | $65 | $781 |
| Maryland | $52 | $630 |
| Massachusetts | $69 | $829 |
| Michigan | $53 | $645 |
| Minnesota | $55 | $667 |
| Mississippi | $45 | $547 |
| Missouri | $42 | $507 |
| Montana | $45 | $539 |
| Nebraska | $48 | $581 |
| Nevada | $55 | $667 |
| New Hampshire | $62 | $747 |
| New Jersey | $60 | $727 |
| New Mexico | $47 | $568 |
| New York | $58 | $700 |
| North Carolina | $47 | $573 |
| North Dakota | $41 | $494 |
| Ohio | $49 | $590 |
| Oklahoma | $45 | $537 |
| Oregon | $66 | $800 |
| Pennsylvania | $56 | $670 |
| Rhode Island | $46 | $559 |
| South Carolina | $56 | $672 |
| South Dakota | $47 | $569 |
| Tennessee | $49 | $594 |
| Texas | $56 | $681 |
| Utah | $51 | $614 |
| Vermont | $50 | $599 |
| Virginia | $57 | $687 |
| Washington | $61 | $740 |
| West Virginia | $46 | $556 |
| Wisconsin | $57 | $690 |
| Wyoming | $49 | $596 |
Progressive Pet Insurance Rates by Breed
Progressive premiums vary based on your pet's breed. Cat owners pay around $15 monthly for Russian Blues but $33 for Abyssinians. Dog premiums range from $18 for Chihuahuas to $117 for Bernese Mountain Dogs.
Data filtered by:
Select
Select
| Abyssinian | $33 | $390 |
| Affenpinscher | $28 | $335 |
| Afghan Hound | $40 | $478 |
| Airedale Terrier | $49 | $581 |
| Akita | $54 | $659 |
| Alaskan Husky | $38 | $455 |
| Alaskan Malamute | $50 | $601 |
| Alsatian | $61 | $742 |
| Alsation | $59 | $708 |
| American Bulldog | $62 | $749 |
| American Bully | $71 | $855 |
| American Eskimo | $29 | $343 |
| American Foxhound | $41 | $493 |
| American Hairless Terrier | $40 | $480 |
| American Staffordshire Terrier | $52 | $617 |
| Australian Cattle Dog | $32 | $389 |
| Australian Kelpie | $42 | $499 |
| Australian Mist | $30 | $356 |
| Australian Shepherd | $24 | $282 |
| Australian Silky Terrier | $24 | $284 |
| Australian Terrier | $23 | $270 |
| Balinese | $20 | $242 |
| Basenji | $29 | $347 |
| Basset Fauve de Bretagne | $52 | $626 |
| Basset Hound | $56 | $674 |
| Beagle | $33 | $396 |
| Bearded Collie | $32 | $392 |
| Belgian Shepherd Malinois | $36 | $432 |
| Bengal | $23 | $272 |
| Bernese Mountain Dog | $117 | $1,397 |
| Bichon Frise | $28 | $335 |
| Birman | $23 | $275 |
| Bloodhound | $72 | $857 |
| Bombay | $17 | $197 |
| Border Collie | $30 | $357 |
| Border Terrier | $27 | $320 |
| Borzoi | $52 | $619 |
| Boston Terrier | $34 | $419 |
| Boxer | $70 | $842 |
| Bracco Italiano | $40 | $487 |
| Briard | $42 | $499 |
| British Bulldog | $78 | $937 |
| British Longhair | $24 | $283 |
| British Shorthair | $20 | $247 |
| Brussels Griffon | $32 | $375 |
| Bullmastiff | $115 | $1,376 |
| Bull Mastiff | $115 | $1,376 |
| Bull Terrier | $46 | $548 |
| Burmese | $16 | $192 |
| Cairn Terrier | $27 | $323 |
| Cane Corso | $83 | $996 |
| Caucasian Shepherd Dog | $80 | $964 |
| Cavachon | $36 | $430 |
| Cavalier King Charles Spaniel | $40 | $484 |
| Cavapoo | $33 | $403 |
| Central Asian Shepherd Dog | $57 | $693 |
| Chihuahua | $18 | $217 |
| Chinchilla | $18 | $207 |
| Chow Chow | $39 | $464 |
| Clumber Spaniel | $65 | $783 |
| Cockapoo | $24 | $291 |
| Cocker spaniel | $37 | $443 |
| Collie | $48 | $578 |
| Corgi | $55 | $660 |
| Cornish Rex | $24 | $288 |
| Coton De Tulear | $28 | $328 |
| Dachshund | $27 | $321 |
| Dalmatian | $45 | $536 |
| Devon Rex | $31 | $365 |
| Dingo | $31 | $371 |
| Doberman Pincher | $69 | $824 |
| Doberman Pinscher | $101 | $1,220 |
| Dogue de Bordeaux | $112 | $1,344 |
| Domestic Shorthair | $16 | $192 |
| English Bulldog | $108 | $1,301 |
| English Foxhound | $36 | $441 |
| English Mastiff | $84 | $1,014 |
| English Pointer | $38 | $454 |
| English Setter | $38 | $456 |
| English Springer Spaniel | $37 | $443 |
| English Toy Terrier | $41 | $491 |
| Estrela Mountain Dog | $46 | $551 |
| Exotic Shorthair | $26 | $310 |
| Field Spaniel | $44 | $528 |
| Finnish Lapphund | $37 | $451 |
| Foxhound | $41 | $493 |
| Fox Terrier | $32 | $384 |
| French Bulldog | $77 | $926 |
| German Pinscher | $35 | $421 |
| German Shepherd | $42 | $507 |
| German Shorthaired Pointer | $35 | $420 |
| German Spitz | $30 | $357 |
| Giant Mix (100 pounds+) | $51 | $609 |
| Giant Mix (110 pounds+) | $48 | $574 |
| Giant Mix (111 pounds+) | $43 | $525 |
| Giant Mix (90 pounds+) | $64 | $770 |
| Goldendoodle | $31 | $366 |
| Golden Retriever | $48 | $576 |
| Gordon Setter | $49 | $579 |
| Great Dane | $100 | $1,200 |
| Great Pyrenees | $50 | $601 |
| Greyhound | $55 | $665 |
| Groodle | $37 | $451 |
| Harrier | $37 | $445 |
| Havanese | $26 | $313 |
| Himalayan | $19 | $222 |
| Hungarian Vizsla | $47 | $566 |
| Husky | $42 | $510 |
| Icelandic Sheepdog | $36 | $442 |
| Irish Setter | $38 | $464 |
| Irish Terrier | $33 | $399 |
| Italian Greyhound | $37 | $449 |
| Italian Spinone | $39 | $475 |
| Jack Russell Terrier | $22 | $263 |
| Japanese Chin | $34 | $411 |
| Japanese Spitz | $40 | $478 |
| Kangal Shepherd Dog | $86 | $1,038 |
| Keeshond | $32 | $388 |
| Komondor | $52 | $617 |
| Labradoodle | $32 | $381 |
| Labrador Retriever | $53 | $643 |
| Large Mix (51-100 pounds) | $44 | $528 |
| Large Mix (51-110 pounds) | $40 | $483 |
| Large Mix (55-90 pounds) | $44 | $539 |
| Large Mix (60-109 pounds) | $48 | $574 |
| Large Mix (61+ pounds) | $44 | $528 |
| Large Mix (71+ pounds) | $80 | $962 |
| Large Mix (Over 70 pounds) | $43 | $525 |
| Lhasa Apso | $26 | $308 |
| Lurcher | $64 | $771 |
| Maine Coon | $26 | $312 |
| Maltese | $28 | $334 |
| Maltipoo | $23 | $275 |
| Medium Mix (20-55 pounds) | $35 | $421 |
| Medium Mix (20-70 pounds) | $37 | $442 |
| Medium Mix (21-70 pounds) | $83 | $997 |
| Medium Mix (23-70 pounds) | $44 | $529 |
| Medium Mix (26-50 pounds) | $37 | $441 |
| Medium Mix (26-59 pounds) | $48 | $574 |
| Medium Mix (31-50 pounds) | $37 | $443 |
| Medium Mix (31-59 pounds) | $36 | $435 |
| Miniature Bull Terrier | $48 | $577 |
| Miniature Dachshund | $31 | $369 |
| Miniature Fox Terrier | $27 | $320 |
| Miniature Pinscher | $27 | $316 |
| Miniature Poodle | $25 | $299 |
| Miniature Schnauzer | $27 | $318 |
| Mixed Breed | $47 | $568 |
| Mixed Breed Giant (>90 lbs) | $67 | $805 |
| Mixed Breed Large (51-90 lbs) | $44 | $528 |
| Mixed Breed Medium (31-50 lbs) | $33 | $393 |
| Mixed Breed Small (>10 lbs) | $27 | $327 |
| Mixed Breed Small (11-30 lbs) | $28 | $343 |
| Mixed breed Small (up to 20lbs when full grown) | $26 | $317 |
| Mixed Dog (21-50 pounds) | $39 | $468 |
| Mixed Dog (51-90 pounds) | $47 | $562 |
| Mixed Dog (91 pounds+) | $49 | $592 |
| Morkie | $33 | $403 |
| Munchkin | $21 | $259 |
| Newfoundland | $97 | $1,165 |
| Norfolk Terrier | $28 | $332 |
| Norwegian Elkhound | $44 | $527 |
| Norwegian Forest cat | $25 | $296 |
| Norwich Terrier | $27 | $324 |
| Olde English Bulldogge | $98 | $1,189 |
| Old English Buldogge | $69 | $831 |
| Old English Sheepdog | $42 | $501 |
| Papillon | $24 | $291 |
| Pekingese | $24 | $284 |
| Pembroke Welsh Corgi | $40 | $479 |
| Persian | $19 | $220 |
| Peruvian Hairless Dog | $37 | $444 |
| Petit Basset Griffon Vendeen | $60 | $721 |
| Petit Basset Griffon Vendeens | $38 | $464 |
| Pitbull | $43 | $515 |
| Pointer | $37 | $452 |
| Pomeranian | $31 | $370 |
| Portuguese Water Dog | $46 | $554 |
| Pug | $36 | $438 |
| Puggle | $27 | $325 |
| Puli | $35 | $424 |
| Ragdoll | $24 | $290 |
| Rhodesian Ridgeback | $57 | $685 |
| Rottweiler | $96 | $1,153 |
| Rough Collie | $52 | $629 |
| Russian Blue | $15 | $179 |
| Saint Bernard | $113 | $1,350 |
| Saluki | $44 | $527 |
| Samoyed | $40 | $483 |
| Savannah | $30 | $357 |
| Schnoodle | $30 | $357 |
| Scottish Deerhound | $53 | $626 |
| Scottish Fold | $20 | $242 |
| Scottish Terrier | $38 | $454 |
| Serengeti | $28 | $327 |
| Shar Pei | $85 | $1,026 |
| Shetland Sheepdog | $32 | $378 |
| Shiba Inu | $27 | $319 |
| Shih Tzu | $22 | $268 |
| Siamese | $15 | $183 |
Is Progressive Pet Insurance Expensive?
Progressive ranks sixth for cat insurance affordability and fourth for dog insurance affordability.
Data filtered by:
Dog
Middle Aged
$1,000
$10,000
70%
| $34 | $402 | 18% |
Progressive Pet Insurance Discounts
Progressive provides four pet insurance discounts that reduce premium costs. The company offers savings for military members, veterinary staff, employer group benefits and multiple pets.
Multiple pets | 5% | Must insure more than one pet with Progressive |
Military | 5% | Must be an active or former service member, military spouse or military kid |
Employer group plan | 5% | Must enroll with a participating employer's group plan |
Veterinary staff | 5% | Must work at a veterinary clinic |
Progressive Pet Insurance Customer Service Reviews and Ratings
Progressive ranks fifth nationally for customer service with cats and dogs. The company receives poor marks from the Better Business Bureau and moderate ratings on Trustpilot. Reddit users show mixed experiences with the insurer.
Progressive Trustpilot Reviews
Progressive earns a 3.9 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Progressive's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Progressive Better Business Bureau Rating
Progressive holds an F rating from the Better Business Bureau and is not BBB accredited. The F grade is BBB's lowest rating, indicating significant concerns about the company's complaint handling or business practices that potential customers should consider.
Progressive Pet Insurance Reddit Sentiment
Reddit users show generally positive sentiment toward Progressive. Our review of 10 comments found that 70% were favorable, with seven positive responses and three negative ones.
Satisfied customers mentioned helpful customer service and clear policy terms, while critics called out claim denials and coverage gaps. These varied experiences show how differently customers navigate Progressive’s claims process.
Progressive Pet Insurance Coverage
Progressive provides pet insurance for dogs and cats, and owners can tailor their plan with various coverage levels and optional add-ons. This flexibility helps you choose protection that matches your budget and your pet’s specific health needs.
$100 to $1,000 | |
$5,000, $10,000, Unlimited | |
70%, 80%, 90% | |
Coverage for accident-only plan | Injuries like broken bones, swallowed objects, poisoning, medications, surgery and emergency care |
Coverage for accident and illness plan | Accident coverage plus hereditary and chronic conditions, cancer, infections, allergies, diagnostic testing, hospitalizations and surgery |
Included if prescribed for an eligible accident or illness | |
Chronic conditions | Continued coverage if the condition wasn't pre-existing and the policy is renewed |
Three days for accidents, 14 days for illnesses, six months for cruciate ligament events and related conditions | |
Enrollment restrictions | No upper age limits |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Progressive Pet Insurance Coverage Add-Ons
Progressive offers optional wellness add-ons that cover preventive care services. These plans reimburse pet owners for vaccinations, dental cleanings, wellness exams and other routine treatments. There are no deductibles or waiting periods and coverage begins immediately after enrollment.
EssentialWellness | Covers routine exams, core vaccinations, deworming, microchipping and preventive blood work |
BestWellness | Includes all Essential benefits plus spay/neuter, dental cleanings, advanced blood panels and additional vaccines |
Physical Therapy | Reimburses rehabilitation, acupuncture and chiropractic care expenses associated with a covered condition |
Exam Fees | Provides coverage for exam fees to diagnose a new accident or illness |
Is Progressive Pet Insurance Good: Bottom Line
Progressive charges an average of $53 monthly for dog insurance and $28 for cat coverage. The company ranks fifth nationally for customer experience and maintains moderate ratings from Trustpilot and the Better Business Bureau. Pet owners can select accident-only coverage or comprehensive accident and illness plans, with optional wellness add-ons available for routine care needs.
Browse through our review guides for the top pet insurance companies for your pet:
Progressive Pet Insurance Review: FAQ
Is Progressive pet insurance worth it in 2025?
Yes, Progressive pet insurance can be worth it in 2025, especially for dog owners. It ranks well for coverage and offers a solid customer experience. With average rates of $53 per month for dogs and $28 for cats, it gives most pet owners a good balance of coverage and cost.
What do Reddit users really think about Progressive pet insurance?
Reddit users generally have a positive view of Progressive’s pet insurance. About 70% of the comments we reviewed were favorable. Many people appreciate the helpful customer service and smooth claims process. Some users, however, mention coverage limits and occasional denials tied to pre-existing conditions.
Does Progressive cover pre-existing conditions for pets?
Progressive excludes pre-existing conditions from coverage. The company makes an exception for curable conditions that remain symptom-free and treatment-free for 180 days. After this waiting period, coverage applies if the condition returns. Chronic conditions and knee or ligament problems are permanently excluded.
Can I get a discount for insuring multiple pets with Progressive?
Progressive provides a multiple pet discount when you insure two or more pets on the same policy. The company also offers additional savings through AAA membership, employee benefit programs and other qualifying partnerships for extra affordability.
Is Progressive pet insurance available in my state?
Yes, Progressive pet insurance is offered in all 50 states. Monthly rates differ by location, with cat premiums starting at $19 in Arkansas and going up to $36 in Massachusetts. Dog coverage ranges from $36 per month in Arkansas to $69 in Massachusetts, so where you live plays a big role in your overall cost.
How We Rated Progressive Pet Insurance
Pet insurance helps cover vet bills when your dog needs emergency care or your cat develops a long-term condition. To help you understand how Progressive performs, we reviewed the company based on the factors that matter most to pet owners.
We looked at three main categories:
- Affordability (50%): Premium data for different breeds, ages and coverage levels, including discounts, reflects real costs pet owners pay.
- Customer Experience (30%): Customer feedback on sites like Trustpilot and Reddit reveals how people feel about claims handling and overall service.
- Coverage Options (20%): Policy features, add-ons and protection levels determine how comprehensive each plan is.
Affordability carries the most weight because monthly costs stay with you throughout your pet’s life. Customer experience also matters—good prices don’t help if claims are delayed or denied. Coverage options round out the evaluation since pet owners need plans that address common issues like orthopedic problems, cancer treatment, and diagnostic tests.
All pricing comparisons were based on quotes for a six-year-old Labrador Retriever and a seven-year-old Ragdoll, using a $500 deductible, a $5,000 annual limit and 80% reimbursement. These settings offer a balance between cost and meaningful protection.
Overall, this methodology focuses on real-world value by showing how Progressive’s pricing, service, and coverage match what pet owners actually need when their dog or cat needs veterinary care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Better Business Bureau. "Pets Best Insurance Services LLC." Accessed December 7, 2025.
- Trustpilot. "Pets Best Pet Health Insurance ." Accessed December 7, 2025.