As a pet owner, ensuring the well-being of your furry companion is a top priority.
Yet, veterinary expenses, especially in unforeseen situations, can be burdensome. That’s where pet insurance comes into play, providing financial support for medical treatments, surgeries, medications and more.
Progressive Pet Insurance, a widely recognized provider in the US, offers comprehensive coverage for dogs and cats of all ages and breeds.
Products
Progressive Pet Insurance offers two main products: Accident Only and Best Benefit. Accident Only covers injuries from accidents, while Best Benefit covers accidents and illnesses.
Both plans include wellness coverage for routine care. You can customize your plan by choosing deductible, reimbursement percentage, and annual limit.
Optional coverages like alternative therapies and prescription food are available. Get a quote online or call 1-855-347-3939.
Pet insurance costs
The cost of Progressive Pet Insurance is influenced by factors like your pet’s age, breed, location, and your chosen coverage.
On average, Accident Only premiums are $6 for cats and $9 for dogs, while Best benefit averages at $26 for cats and $44 for dogs, as per Progressive’s website.
It’s crucial to note that these are estimates, and actual prices may vary.
To enhance affordability, Progressive Pet Insurance offers a 5% discount for bundling with auto or home insurance, an additional 5% savings for insuring multiple pets, and a noteworthy 10% discount for USAA members—extending financial benefits to those serving in the military and their families.
These savings options provide flexibility and customization for pet owners seeking comprehensive yet budget-friendly insurance coverage.
Progressive Pet Insurance claims
Smooth Claims Process with Pets Best: It entrusts its claims processing to Pets Best, a well-established pet insurance company operating since 2005.
Renowned for its quick and hassle-free approach, Pets Best boasts an average turnaround time of just 5 days for claims.
User-Friendly Claim Submission: Submitting claims is a breeze with multiple options available. You can conveniently submit claims online, through email, fax, mail or by using the Pets Best mobile app.
This flexibility ensures you can choose the method that suits you best.
Transparent Tracking and History: Keeping tabs on your claims is made simple. You have the ability to track the status of your claims and access your payment history seamlessly, whether through the online portal or the user-friendly Pets Best mobile app.
Fair Reimbursement Approach: Progressive Pet Insurance stands out by reimbursing you based on the actual veterinary bill, steering clear of benefit schedules or customary fees.
This straightforward approach ensures that you are fairly compensated for the expenses incurred in caring for your pet’s health.
Reimbursement Options to Suit You: Choose how you want to receive your reimbursement – be it by check, direct deposit, or opt for direct payment to your vet.
Opting for direct payment means you only cover your portion of the bill and Progressive handles the rest directly with your vet. This flexibility puts you in control of how you manage your reimbursements.
Caption; Freepik
Progressive pet insurance coverages
What is Covered by Progressive Pet Insurance
Accident coverage: This component encompasses injuries and emergencies resulting from accidents, ranging from broken bones and cuts to burns, poisoning and ingestion of foreign objects.
Diagnostic tests, medications, surgeries, hospitalization, and euthanasia related to accident-induced conditions are also covered.
Illness coverage: This facet addresses various illnesses and diseases, encompassing chronic and hereditary conditions, cancer, allergies, dental diseases and behavioral issues.
Similar to accident coverage, it includes diagnostic tests, medications, surgeries, hospitalization, and euthanasia for illness-related conditions.
Wellness coverage: Designed for routine and preventive care, this coverage includes vaccinations, spaying/neutering, dental cleaning, microchipping, flea and tick prevention, heartworm testing and prevention, as well as blood tests. Additionally, wellness exams and consultations fall under this category.
Alternative therapies coverage: This aspect covers alternative and holistic treatments, such as acupuncture, chiropractic care, physical therapy, hydrotherapy, laser therapy, stem cell therapy, and platelet-rich plasma therapy.
Prescription food coverage: Encompassing prescribed food and supplements, this coverage supports treatments recommended by your vet for covered conditions, with coverage extending up to $100 per policy year.
End-of-life expenses coverage: Addressing compassionate considerations, this coverage includes expenses related to cremation or burial for your pet, offering coverage up to $1,000 per policy year.
What is not Covered by Progressive Pet Insurance
Pre-existing conditions: Progressive Pet Insurance excludes coverage for conditions existing or symptomatic before enrollment or during the waiting period. No costs are covered unless the condition remains cured, without treatment or symptoms, for 180 days.
Elective and cosmetic procedures: The plan does not cover elective or cosmetic procedures, including non-essential alterations like tail docking, ear cropping, declawing and dewclaw removal, which do not contribute to medical necessity.
Breeding and pregnancy: Progressive Pet Insurance does not cover costs associated with breeding, pregnancy, whelping, and nursing. Additionally, any complications or conditions arising from these activities are also excluded from coverage.
Preventable conditions: Conditions preventable by adhering to vet recommendations, such as dental diseases, parasites, obesity and infections, are not covered under the policy.
Experimental or investigational treatments: Progressive Pet Insurance excludes treatments not widely accepted or proven effective by the veterinary community, including gene therapy, organ transplants and cloning.
Progressive Pet Insurance customer service reviews
Progressive Pet Insurance has received mixed reviews from customers, according to online sources.
On Trustpilot, Progressive Pet Insurance has a rating of 3.5 out of 5 stars, based on 1,472 reviews.
Consumer Affairs, Progressive Pet Insurance has a rating of 3.9 out of 5 stars, based on 1,034 reviews. On Yelp, Progressive Pet Insurance has a rating of 2 out of 5 stars, based on 1,006 reviews.
Some of the positive aspects of Progressive Pet Insurance that customers have praised are:
- Affordable and flexible plans
- Easy and fast claims processing
- Good customer service and communication
- Comprehensive coverage and benefits
Some of the negative aspects of this company that customers have complained about are:
- High deductibles and co-pays
- Low annual limits and reimbursement percentages
- Denial or delay of claims
- Exclusion of pre-existing conditions
Pet Insurance plans
This company offers two types of plans: Accident Only and BestBenefit. You can choose the plan that best suits your budget and your pet’s needs. Here is a comparison of the two plans:
Table
| Plan | Accident Only | BestBenefit |
|---|---|---|
| Coverage | Injuries and emergencies caused by accidents | Accidents and illnesses, including chronic and hereditary conditions |
| Wellness coverage | Included | Included |
| Alternative therapies coverage | Optional | Optional |
| Prescription food coverage | Optional | Optional |
| End-of-life expenses coverage | Optional | Optional |
| Deductible | $100, $250, or $500 per year | $50, $100, $200, $250, $500, or $1,000 per year |
| Reimbursement percentage | 90% | 70%, 80%, or 90% |
| Annual limit | $5,000 or $10,000 | $5,000, $10,000, or unlimited |
Progressive Pet Insurance customer satisfaction
This company asserts a notable customer satisfaction rate, boasting that over 90% of their clients renew policies annually.
Additionally, the company proudly showcases its A+ rating from the Better Business Bureau (BBB), signifying a positive reputation and effective handling of customer complaints.
Despite these accolades, Progressive Pet Insurance hasn’t escaped criticism.
Some customers have voiced concerns about issues with coverage, claims, and customer service, alleging dishonesty, unfair practices and misleading information.
To navigate this, it is crucial for prospective customers to meticulously review the policy terms and conditions, ensuring a comprehensive understanding of coverage specifics and potential limitations before committing to Progressive Pet Insurance.
Pet Insurance ratings
Here are some of the ratings it has received:
- Trustpilot: 3.5 out of 5 stars
- ConsumerAffairs: 3.9 out of 5 stars
- Yelp: 2 out of 5 stars
- BBB: A+
- Canine Journal: 4.1 out of 5 stars
- Pet Insurance Review: 8.8 out of 10
- Money: Best for Wellness Coverage
These ratings are based on various criteria, such as coverage, price, claims, customer service, and reputation. However, they are not definitive or conclusive, and they may change over time. Therefore, it is advisable to do your own research and compare different options before choosing a pet insurance provider.
Pet insurance recommendations
Choosing the Right Plan: Consider key factors like coverage, cost, claims process, customer service, and the company’s reputation. It’s a personalized decision that requires careful comparison.
Top Picks for December 2023:
- Forbes: Lists the top nine pet insurance companies, spotlighting Healthy Paws, Paw Protect, and Embrace. Detailed reviews and a comparison table help in-depth exploration.
- Wirecutter: Offers guidance on selecting the best pet insurance after extensive research on over 20 companies. It considers your pet’s specifics and warns about hidden details like exclusions.
- NerdWallet: Ranks the top eight pet insurance companies, with Embrace, Figo, and Pets Best leading. A comparison table and brief overviews showcase their features and benefits.