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
Customer Experience3.955
Coverage4.042
Overall Score4.053
Affordability4.144
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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.

Find the best pet insurance for your situation:

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

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.

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

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
Arkansas$36$431
Alabama$39$473
North Dakota$41$494
Missouri$42$507
Kentucky$42$509
Louisiana$43$518
Montana$45$539
Oklahoma$45$537
Iowa$45$541
Mississippi$45$547
West Virginia$46$556
Rhode Island$46$559
New Mexico$47$568
South Dakota$47$569
North Carolina$47$573
Georgia$48$580
Nebraska$48$581
Indiana$48$582
Kansas$48$583
Ohio$49$590
Tennessee$49$594
Wyoming$49$596
Vermont$50$599
Utah$51$614
Alaska$52$627
Maryland$52$630
Idaho$53$644
Michigan$53$645
Delaware$54$647
Hawaii$54$650
Nevada$55$667
Minnesota$55$667
Pennsylvania$56$670
South Carolina$56$672
Texas$56$681
Virginia$57$687
Wisconsin$57$690
New York$58$700
New Jersey$60$727
Florida$60$729
Connecticut$61$735
Washington$61$740
New Hampshire$62$747
Maine$65$781
Arizona$65$783
Illinois$66$797
Oregon$66$800
Colorado$67$810
California$67$814
Massachusetts$69$829

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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Russian Blue$15$179
Siamese$15$183
Burmese$16$192
Domestic Shorthair$16$192
Bombay$17$197
Chinchilla$18$207
Chihuahua$18$217
Himalayan$19$222
Persian$19$220
Balinese$20$242
British Shorthair$20$247
Scottish Fold$20$242
Munchkin$21$259
Jack Russell Terrier$22$263
Shih Tzu$22$268
Small Mix (Under 20 pounds)$22$266
Australian Terrier$23$270
Maltipoo$23$275
Bengal$23$272
Birman$23$275
Tonkinese$23$272
Cornish Rex$24$288
Sphynx$24$281
British Longhair$24$283
Australian Shepherd$24$282
Australian Silky Terrier$24$284
Cockapoo$24$291
Papillon$24$291
Pekingese$24$284
Ragdoll$24$290
Norwegian Forest cat$25$296
Miniature Poodle$25$299
Small Mix (11-25)$25$305
Exotic Shorthair$26$310
Small Mix (10 and less pounds)$26$311
Havanese$26$313
Lhasa Apso$26$308
Yorkshire terrier$26$307
Small Mix (0-20)$26$312
Small Mix (1-10 pounds)$26$319
Mixed breed Small (up to 20lbs when full grown)$26$317
Maine Coon$26$312
Snowshoe$26$314
Border Terrier$27$320
Cairn Terrier$27$323
Dachshund$27$321
Miniature Fox Terrier$27$320
Miniature Pinscher$27$316
Miniature Schnauzer$27$318
Norwich Terrier$27$324
Puggle$27$325
Shiba Inu$27$319
Mixed Breed Small (>10 lbs)$27$327
Serengeti$28$327
Affenpinscher$28$335
Bichon Frise$28$335
Coton De Tulear$28$328
Maltese$28$334
Norfolk Terrier$28$332
Mixed Breed Small (11-30 lbs)$28$343
American Eskimo$29$343
Basenji$29$347
Toy Poodle$29$347
Border Collie$30$357
German Spitz$30$357
Schnoodle$30$357
Small Mix (11-30)$30$361
Siberian$30$355
Australian Mist$30$356
Savannah$30$357
Dingo$31$371
Goldendoodle$31$366
Miniature Dachshund$31$369
Pomeranian$31$370
West Highland White Terrier$31$368
Small Mix (25 and less pounds)$31$365
Devon Rex$31$365
Brussels Griffon$32$375
Fox Terrier$32$384
Labradoodle$32$381
Shetland Sheepdog$32$378
Siberian Husky$32$377
Small Mix (22 pounds or less)$32$382
Australian Cattle Dog$32$389
Bearded Collie$32$392
Keeshond$32$388
Whippet$32$386
Toy Mix (10 and less pounds)$33$394
Abyssinian$33$390
Mixed Breed Medium (31-50 lbs)$33$393
Beagle$33$396
Cavapoo$33$403
Irish Terrier$33$399
Morkie$33$403
Welsh Corgi Cardigan$33$398
Boston Terrier$34$419
Japanese Chin$34$411
Standard Schnauzer$34$414
Welsh Springer Spaniel$34$410
Medium Mix (20-55 pounds)$35$421
German Pinscher$35$421
German Shorthaired Pointer$35$420
Puli$35$424
Wire Fox Terrier$35$430
Cavachon$36$430
Medium Mix (31-59 pounds)$36$435
Belgian Shepherd Malinois$36$432
English Foxhound$36$441
Icelandic Sheepdog$36$442
Pug$36$438
Soft Coated Wheaten Terrier$36$434
Tibetan Terrier$36$437
Medium Mix (26-50 pounds)$37$441
Medium Mix (20-70 pounds)$37$442
Medium Mix (31-50 pounds)$37$443
Cocker spaniel$37$443
English Springer Spaniel$37$443
Finnish Lapphund$37$451
Harrier$37$445
Italian Greyhound$37$449
Peruvian Hairless Dog$37$444
Pointer$37$452
Groodle$37$451
Alaskan Husky$38$455
English Pointer$38$454
English Setter$38$456
Irish Setter$38$464
Petit Basset Griffon Vendeens$38$464
Scottish Terrier$38$454
Mixed Dog (21-50 pounds)$39$468
Chow Chow$39$464
Italian Spinone$39$475
Staffordshire Bull Terrier$39$474
Japanese Spitz$40$478
American Hairless Terrier$40$480
Large Mix (51-110 pounds)$40$483
Afghan Hound$40$478
Bracco Italiano$40$487
Cavalier King Charles Spaniel$40$484
Pembroke Welsh Corgi$40$479
Samoyed$40$483
Standard Poodle$40$484
Welsh Corgi Pembroke$40$479
English Toy Terrier$41$491
American Foxhound$41$493
Foxhound$41$493
Australian Kelpie$42$499
Briard$42$499
German Shepherd$42$507
Old English Sheepdog$42$501
Husky$42$510
Pitbull$43$515
Large Mix (Over 70 pounds)$43$525
Giant Mix (111 pounds+)$43$525
Large Mix (51-100 pounds)$44$528
Large Mix (61+ pounds)$44$528
Medium Mix (23-70 pounds)$44$529
Mixed Breed Large (51-90 lbs)$44$528
Field Spaniel$44$528
Norwegian Elkhound$44$527
Saluki$44$527
Large Mix (55-90 pounds)$44$539
Dalmatian$45$536
Smooth Collie$45$535
Bull Terrier$46$548
Estrela Mountain Dog$46$551
Portuguese Water Dog$46$554
Hungarian Vizsla$47$566
Vizsla$47$566
Mixed Breed$47$568
Mixed Dog (51-90 pounds)$47$562
Giant Mix (110 pounds+)$48$574
Large Mix (60-109 pounds)$48$574
Medium Mix (26-59 pounds)$48$574
Small Mix (0-25)$48$574
Collie$48$578
Golden Retriever$48$576
Miniature Bull Terrier$48$577
Airedale Terrier$49$581
Gordon Setter$49$579
Welsh Terrier$49$590
Mixed Dog (91 pounds+)$49$592
Alaskan Malamute$50$601
Great Pyrenees$50$601
Giant Mix (100 pounds+)$51$609
American Staffordshire Terrier$52$617
Borzoi$52$619
Komondor$52$617
Basset Fauve de Bretagne$52$626
Rough Collie$52$629
Scottish Deerhound$53$626
Labrador Retriever$53$643
Akita$54$659
Corgi$55$660
Greyhound$55$665
Basset Hound$56$674
Central Asian Shepherd Dog$57$693
Rhodesian Ridgeback$57$685
Weimaraner$58$698
Alsation$59$708

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 Connor Bolton


Connor Bolton headshot

Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.

Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.

Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.

He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.


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