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. The company excels in coverage, ranking second nationally in this category. Its premiums are more expensive, particularly for cat owners where it ranks sixth among competitors. Progressive requires a 14-day waiting period for accident coverage, which is standard across the industry.
Progressive Pet Insurance Review
Updated: October 13, 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 maintains 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
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Pet Type: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 prioritize low deductibles and unlimited payout limits. The provider covers hereditary conditions, behavioral issues and exam fees without additional costs. It also allows enrollment at any age and offers direct vet payments. Its three-day accident waiting period may not suit owners seeking immediate coverage.
Progressive Pet Insurance Ratings by State
Progressive offers pet insurance 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. The company excels in affordability for dogs, ranking second in five states and third in 20 states. Progressive consistently ranks second for coverage nationwide.
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Category:Affordability
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Pet Type: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 slightly 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, with higher overall scores. |
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 and stronger dog scores overall. |
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 with higher overall and coverage scores. |
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 for both pets. |
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 and overall value, especially 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 with strong service, but Progressive maintains better overall coverage. |
How Much Does Progressive Pet Insurance Cost?
Progressive's pet insurance costs an average of $53 monthly ($643 annually) for dogs and $28 monthly ($329 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $53 | $60 | $643 | $723 | 11% |
| Cat | $28 | $32 | $329 | $379 | 13% |
Progressive Pet Insurance Rates by State
Pet insurance rates vary by state based on veterinary costs and local claim patterns. Progressive offers the cheapest pet insurance for cats in Arkansas at $19 monthly, and the most expensive coverage in Massachusetts at $36. For dogs, Progressive provides the lowest monthly rate in Arkansas at $36 and the highest in Massachusetts at $69.
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Pet Type: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. These price differences reflect each breed's health risks and veterinary care needs.
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Pet Type:Dog
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Breed:Affenpinscher
| Affenpinscher | $28 | $335 |
Is Progressive Pet Insurance Expensive?
Progressive ranks sixth for cat insurance affordability and fourth for dog insurance affordability, making it a moderate choice rather than the cheapest option. Check the filterable table below to see costs for your pet's age and your preferred deductible, annual limit and reimbursement rate.
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Pet Type:Dog
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Pet Age Group:Middle Aged
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Deductible:$1,000
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Annual Limit:$10,000
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Reimbursement %:70%
| $34 | $402 | 18% |
Progressive Pet Insurance Discounts
Progressive provides four pet insurance discounts that can help reduce premium costs. The company offers savings for military members, veterinary staff, employer group benefits and multiple pets. These discount programs make pet insurance more accessible and budget-friendly for qualifying policyholders.
BestBenefit plan discount | 5% | Applies to accident and illness plans in most states |
Multiple pets | 5% | Must insure more than one pet with Progressive |
Vet exam enrollment benefit | 10% | Must enroll within 10 days of a veterinary exam through a participating clinic |
Union or association discount | Up to 12% | Must be a member of a qualifying union or association |
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. Many customers praise the helpfulness of service representatives and quick response times. Some users report frustrations with claim processing delays and coverage denials that required multiple follow-ups to resolve.
Progressive Trustpilot Reviews
Progressive earns a 4 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 analysis of 10 comments found 70% were favorable, with seven positive responses compared to three negative ones. Satisfied customers praised responsive customer service and clear policy language. Critics pointed to claim denials and coverage gaps as main concerns. These mixed experiences highlight how different customers navigate Progressive's claims process.
Progressive Pet Insurance Coverage
Progressive offers pet insurance coverage for dogs and cats. Pet owners can tailor their policies through several coverage levels and optional add-ons, allowing them to build a plan that fits their budget and their pet’s medical needs.
Deductibles | $0, $50, $100, $200, $500, $1,000 |
Annual limits | Unlimited annual and lifetime benefit options available |
Reimbursement rates | 70%, 80%, 90% |
Coverage for accident-only plan | Treatment for injuries such as broken bones, swallowed objects, poisoning, medications, surgery and emergency care |
Coverage for accident and illness plan | Includes accident coverage plus hereditary and chronic conditions, cancer, infections, allergies, diagnostic testing, hospitalizations and surgery |
Prescription medications | Covered if prescribed for an eligible accident or illness |
Chronic conditions | Continued coverage if the condition was not pre-existing and the policy is renewed |
Waiting periods | Standard waiting periods apply; length may vary by state |
Enrollment restrictions | No maximum age limits; any licensed U.S. or Canadian veterinarian can be used |
*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 |
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.
Progressive Pet Insurance Review: FAQ
Find answers to common questions about Progressive pet insurance coverage and policies.
Is Progressive pet insurance worth it in 2025?
Yes, Progressive is worth it in 2025, particularly for dog owners. The company ranks second nationally for coverage and delivers solid customer experience. With average premiums of $53 monthly for dogs and $28 for cats, Progressive offers comprehensive protection at reasonable rates for most pet owners.
What do Reddit users really think about Progressive pet insurance?
Reddit users show moderately positive sentiment toward Progressive pet insurance. Data reveals 70% positive comments, with seven favorable versus three negative reviews. Users frequently praise the company's customer service responsiveness and straightforward claims process. Some Reddit discussions highlight concerns about coverage limitations and occasional claim denials for 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 may apply 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 available nationwide in all 50 states. Monthly premiums vary by location. Cat coverage starts at $19 in Arkansas but reaches $36 in Massachusetts. Dog insurance ranges from $36 monthly in Arkansas to $69 in Massachusetts, making location a key factor in your premium costs.
How We Rated Progressive Pet Insurance
Pet insurance shopping can seem overwhelming, which is why we analyzed Progressive across three key categories:
Affordability (50% of score): We gathered premium data for various pet breeds, ages and coverage levels, incorporating available discounts to reflect actual costs pet owners pay.
Customer Experience (30% of score): This assessment draws from customer reviews and ratings on platforms like Trustpilot and Reddit to gauge real user satisfaction.
Coverage Options (20% of score): We examined policy benefits, available add-ons and the breadth of protection to assess overall coverage value.
All pricing comparisons used standardized quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Pets Best Insurance Services LLC." Accessed October 15, 2025.
- Trustpilot. "Pets Best Pet Health Insurance ." Accessed October 15, 2025.