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: November 14, 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 payout limits. It covers hereditary conditions, behavioral issues and exam fees 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 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 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.
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.
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.
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.
$0, $50, $100, $200, $500, $1,000 | |
Unlimited annual and lifetime benefit options available | |
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 |
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 |
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.
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 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 shows 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 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 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 helps you afford necessary veterinary care when your dog needs emergency surgery or your cat develops a chronic condition, but choosing the right provider requires understanding both cost and coverage quality. We designed this evaluation to show you how Progressive performs across the factors that matter most when you're protecting your pet's health.
We evaluated the company across three weighted categories that reflect what matters most when you're choosing pet insurance:
- Affordability (50%): Premium data across various pet breeds, ages, and coverage levels, incorporating available discounts to reflect actual costs
- Customer Experience (30%): Customer reviews and ratings from platforms like Trustpilot and Reddit to gauge real user satisfaction with claims handling
- Coverage Options (20%): Policy benefits, available add-ons, and breadth of protection to assess overall coverage value
Your monthly premium is what you'll pay throughout your pet's life, making affordability the dominant factor for pet owners managing household budgets. Customer experience carries substantial weight because affordable coverage means nothing if the company denies legitimate claims or takes months to reimburse you after expensive treatments. Coverage options matter because you need policies that actually cover the conditions your pet is likely to develop, from orthopedic issues to cancer treatment.
All pricing comparisons used standardized quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with a $500 deductible, $5,000 annual limit, and 80% reimbursement rate. These mid-range coverage settings balance affordability with meaningful financial protection when your pet needs diagnostic testing, surgery, or ongoing treatment.
This methodology prioritizes real-world value, showing you how Progressive's pricing, customer service, and coverage stack up against what pet owners actually need when their dog or cat requires 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 November 15, 2025.
- Trustpilot. "Pets Best Pet Health Insurance ." Accessed November 15, 2025.