Progressive Pet Insurance Review


Progressive Pet Insurance Review: Key Takeaways
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Progressive charges $28 monthly for cat coverage and $53 for dog coverage, ranking sixth for cat affordability and fourth for dog affordability nationally.

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Customer experience ranks fifth nationally. Progressive holds an F BBB rating but earns 3.8 out of 5 stars on Trustpilot.

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Coverage ranks second nationwide. Progressive offers accident-only plans and accident-illness plans with optional wellness add-ons.

Progressive Pet Insurance Ratings

Progressive's pet insurance (through Pets Best) scores 3.8 out of 5 for cats and 4.05 for dogs in MoneyGeek's analysis. Cat premiums run higher than competitors, ranking sixth nationally. Dog owners get stronger value with fourth-place affordability. All accident coverage requires a 14-day waiting period.

Data filtered by:
Dog
Affordability4.144
Coverage4.042
Customer Experience3.955
Overall Score4.053
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WHO IS PROGRESSIVE PET INSURANCE BEST FOR?

Progressive works best for owners who want low deductibles and unlimited payouts. Hereditary conditions and behavioral issues come covered at no extra cost.

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Progressive Pet Insurance Ratings by State

Progressive sells policies nationwide. Dog coverage ranks second in one state and third in 25 states. Cat coverage takes third place in one state. Dog affordability ranks second in five states and third in 20 states. Coverage consistently ranks second nationwide despite not leading overall.

Data filtered by:
Affordability
Dog
Alabama4.293
Alaska4.152
Arizona4.134
Arkansas4.333
California4.115
Colorado4.133
Connecticut4.133
Delaware4.133
Florida4.134
Georgia4.135
Hawaii4.133
Idaho4.164
Illinois4.134
Indiana4.174
Iowa4.254
Kansas4.214
Kentucky4.353
Louisiana4.223
Maine4.132
Maryland4.232
Massachusetts4.134
Michigan4.133
Minnesota4.134
Mississippi4.233
Missouri4.293
Montana4.222
Nebraska4.214
Nevada4.133
New Hampshire4.134
New Jersey4.135
New Mexico4.264
New York4.134
North Carolina4.233
North Dakota4.244
Ohio4.133
Oklahoma4.245
Oregon4.134
Pennsylvania4.133
Rhode Island4.234
South Carolina3.898
South Dakota4.214
Tennessee4.183
Texas4.134
Utah4.133
Vermont4.172
Virginia4.133
Washington4.414
West Virginia4.23
Wisconsin4.133
Wyoming4.254

Progressive Pet Insurance Comparison

Progressive compared with national competitors:

AKC

• Dogs: 4.05 vs. 4.30
• Cats: 3.80 vs. 3.85

AKC provides stronger coverage and higher scores. Progressive costs less for dog owners.

ASPCA

• Dogs: 4.05 vs. 3.85
• Cats: 3.80 vs. 3.35

ASPCA charges less for dog plans. Progressive delivers better coverage and more balanced scores for both pets.

Embrace

• Dogs: 4.05 vs. 2.55
• Cats: 3.80 vs. 2.30

Progressive wins across affordability, coverage and value.

Fetch

• Dogs: 4.05 vs. 2.70
• Cats: 3.80 vs. 2.95

Fetch offers decent coverage. Progressive beats it on affordability and customer service.

Figo

• Dogs: 4.05 vs. 3.60
• Cats: 3.80 vs. 3.80

Figo costs less for cats. Progressive provides more consistent coverage.

Hartville

• Dogs: 4.05 vs. 3.50
• Cats: 3.80 vs. 3.90

Hartville charges less for cat coverage. Progressive performs better for dogs.

Lemonade

• Dogs: 4.05 vs. 4.50
• Cats: 3.80 vs. 4.25

Lemonade costs less and scores higher overall. Progressive covers more comprehensively.

Liberty

• Dogs: 4.05 vs. 2.65
• Cats: 3.80 vs. 2.30

Progressive beats Liberty across affordability, coverage and customer service.

MetLife

• Dogs: 4.05 vs. 3.05
• Cats: 3.80 vs. 2.40

Progressive scores higher with better service than MetLife.

Nationwide

• Dogs: 4.05 vs. 2.50
• Cats: 3.80 vs. 2.65

Nationwide lags in affordability. Progressive delivers stronger coverage and better plan balance.

Pumpkin

• Dogs: 4.05 vs. 3.70
• Cats: 3.80 vs. 4.15

Pumpkin costs less for cats. Progressive excels in dog coverage.

Rainwalk

• Dogs: 4.05 vs. 4.05
• Cats: 3.80 vs. 3.95

Rainwalk leads in customer service. Progressive provides stronger coverage and affordability.

Spot

• Dogs: 4.05 vs. 3.75
• Cats: 3.80 vs. 4.15

Spot costs less for cats. Progressive has better coverage.

How Much Does Progressive Pet Insurance Cost?

Progressive charges $53 monthly ($643 annually) for dogs and $28 monthly ($329 annually) for cats on average. Your pet insurance rate depends on your location, your pet's breed and your coverage level.

Dog$53$60$643$72311%
Cat$28$32$329$37913%

Progressive Pet Insurance Rates by State

Pet insurance pricing varies by state based on veterinary costs and claim patterns. Cat coverage costs as little as $19 monthly in Arkansas and as much as $36 in Massachusetts.

Dog coverage ranges from $36 monthly in Arkansas 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

Premiums vary by breed. Cat owners pay $15 monthly for Russian Blues and $33 for Abyssinians. Dog premiums range from $18 for Chihuahuas to $117 for Bernese Mountain Dogs.

Data filtered by:
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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?

Cat insurance ranks sixth for affordability. Dog insurance ranks fourth.

Data filtered by:
Dog
Middle Aged
$1,000
$10,000
70%
$34$40218%

Progressive Pet Insurance Discounts

Progressive offers four pet insurance discounts. Savings apply to military members, veterinary staff, employer group plans and multiple-pet policies.

Multiple pets

5%

Insure more than one pet with Progressive

Military

5%

Active or former service member, military spouse or military dependent

Employer group plan

5%

Enroll through a participating employer's group plan

Veterinary staff

5%

Work at a veterinary clinic

Progressive Pet Insurance Customer Service Reviews and Ratings

Customer service ranks fifth nationally for both cats and dogs. Progressive receives poor marks from the Better Business Bureau and moderate ratings on Trustpilot. Reddit users report mixed experiences.

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    Progressive Trustpilot Reviews

    Progressive earns a 3.8 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.

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    Progressive Better Business Bureau Rating

    Progressive holds an F rating from the Better Business Bureau and isn't BBB accredited. The F grade, BBB's lowest, signals serious concerns about complaint handling or business practices.

Progressive Pet Insurance Reddit Sentiment

Reddit users express mostly positive sentiment toward Progressive. Our review of 10 comments found 70% favorable: seven positive and three negative.

Satisfied customers praised helpful customer service and clear policy terms. Critics cited claim denials and coverage gaps. Customer experiences with Progressive's claims process vary widely.

Progressive Pet Insurance Coverage

Progressive covers dogs and cats. Pet owners can customize plans with different coverage levels and optional add-ons to match their budget and their pet's 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. Review your policy and consult your provider to understand 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 averages $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?

What do Reddit users really think about Progressive pet insurance?

Does Progressive cover pre-existing conditions for pets?

Can I get a discount for insuring multiple pets with Progressive?

Is Progressive pet insurance available in my state?

How We Rated Progressive Pet Insurance

Progressive partners with Pets Best to offer pet insurance, but how does this arrangement affect pricing, claims service and coverage compared to buying directly from other insurers? We evaluated Progressive across the factors that determine whether you'll get good value when your pet needs veterinary care.

Our analysis weighted three factors:

Affordability (50%): We gathered premium quotes for different breeds, ages and coverage combinations. Monthly costs matter most because they compound over your pet's lifetime; a $10 monthly difference becomes $1,200 over 10 years.

Customer experience (30%): We reviewed Trustpilot ratings, Better Business Bureau complaints and Reddit discussions about Progressive's claims handling. Fast claim approval means less financial stress when your dog tears a ligament or your cat needs cancer treatment.

Coverage options (20%): We examined policy features, optional add-ons and protection for common pet health issues like orthopedic problems, diagnostic testing and chronic conditions. More coverage flexibility helps you customize protection for your pet's specific needs.

Sample profiles: All pricing comparisons use quotes for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll with a $500 deductible, $5,000 annual limit and 80% reimbursement. These settings represent moderate coverage, enough to handle most veterinary emergencies without maxing out your annual benefit.

This approach shows how Progressive's partnership structure affects what you'll actually pay and experience when filing claims.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.


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