Choosing the appropriate insurance provider is crucial for safeguarding your cherished pets. Progressive Pet Insurance is one of the well-known names in the field of pet insurance. Progressive is a familiar name in the insurance world, known for providing different kinds of coverage. But how does its pet insurance measure up? This article will explore Progressive Pet Insurance reviews, including coverage options, pricing, the claims process, customer service, and more. By the time you reach the end of this Progressive Pet Insurance review, you’ll know if Progressive is the right choice for your pet.
What Is Progressive Pet Insurance?
Progressive Pet Insurance is not its own insurance product—instead, Progressive has a partnership with one of the largest pet insurance companies in the U.S., Pets Best Insurance. Progressive it does not directly offer pet insurance, instead allowing customers to get quotes and sign up for a policy from Pets Best. Progressive has partnered with Pets Best to offer flexible and quality coverage plans.
Progressive Pet Insurance: Key Features
Some factors differentiate pet insurance providers. Here are the most notable features of Progressive Pet Insurance, which is a joint venture with Pets Best:
Coverage Options
If you’re looking for a range of coverage options, Progressive Pet Insurance may be right for you. Below are the main categories of coverage:
- Accident-Only Coverage: This type of coverage covers injuries resulting from accidents, such as broken bones, bites, or ingestion of foreign objects.
- Accident and Illness Coverage: This comprehensive coverage encompasses a wide range of accidents and illnesses, including infections, cancer treatment, and chronic diseases.
- Comprehensive Coverage: The best-rounded plan covering accidents, illnesses, and preventative care (vaccinations and wellness exams, for example)
Progressive also provides customizable plans with adjustable coverage levels, annual limits, and deductibles to meet your pet’s needs.
Affordable Pricing
The pros and cons of Progressive Pet Insurance One of the best aspects of Progressive Pet Insurance is its affordability. Premiums vary based on the pet’s age, breed, location, and coverage level selected. Progressive also offers rates that are, on average, relatively affordable compared to those from other large providers.
For instance, an accident-only plan for a 3-year-old dog may begin around $20-$30 per month, whereas a more comprehensive plan would vary more ($40-$60 per month). In general, cats are less expensive to insure than dogs, with accident-only coverage starting around $10 to $20 per month.
Flexible deductibles and reimbursement options
Progressive Pet Insurance provides a variety of deductibles and reimbursement rates. You have a choice of different deductible amounts (anywhere from $50 to $1,000) to affect the dollar amount of your premium. You can also choose reimbursement levels between 70% and 90%, based on how much of the medical bills you want covered by the insurance.
This flexibility is especially beneficial for pet owners seeking to balance coverage with their budget.
Exclusions
Like any pet insurance plan, Progressive Pet Insurance has some exclusions that you should be aware of. Common exclusions include:
- Existing conditions: We will not cover any conditions your pet had prior to purchasing the insurance.
- Routine care: Unless you add a wellness plan, you won’t have coverage for routine exams, vaccinations, and dental cleanings.
- Specific hereditary conditions: Coverage for certain genetic conditions may depend on your pet’s breed.
Read the fine print to understand the specific exclusions.
Reviews: Progressive Pet Insurance
To get a well-rounded perspective on Progressive Pet Insurance, let’s explore what customers have to say about it. We will explore customer reviews related to the claims process, customer service, coverage, and overall satisfaction.
Positive Reviews
- Competitive Rates: Many pet owners compliment Progressive Pet Insurance on its lower-than-average pricing. The ability to scale premiums based on coverage and deductible selection makes pet insurance more affordable.
- Fast and Easy Claims Process: Multiple customers have stated that the claims process is fairly simple. Progressive provides an effortless online claims submission option with Pets Best, which is a popular feature based on user reviews. Most customers note that they receive reimbursement quickly, with some insurance companies issuing claims within 7–14 days.
- Customizable Coverage Plans: Several users have pointed out how flexible the coverage plans are in terms of customization. The ability to customize deductibles and reimbursement levels to suit their budgets was an appealing factor for many pet owners.
- Good Customer Service: Positive customer service reviews suggest friendly, helpful, and knowledgeable representatives who assist in the enrollment process and answer questions efficiently.
Negative Reviews
- The Most Affordable Premiums for Older PETs:Â Some customers report that while premiums are fairly affordable for young pets, they can get a bit pricey as the pets age. This is standard for most pet insurance providers, but Progressive customers say they are frustrated about the cost of their policy growing higher as their pet ages.
- Pre-Existing Condition Exclusions: Progressive is not the only company that denies coverage for pre-existing conditions. Some pet owners, particularly those with older pets or pets with medical histories, have expressed concerns about the limitations of coverage.
- Claims Denial: A periodic review is conducted to address customers’ dissatisfaction with claim denials or delays in payment. Others pertain to the policy’s fine print, specifically the exclusion of certain hereditary conditions or treatments from coverage.
- Limited Preventive Care Coverage Progressive does offer a full range of plans, but some customers have pointed out that preventative care isn’t part of the standard policies. Pet owners who want coverage for wellness and routine care will have few options unless they pay extra for an add-on.
Review of Progressive Pet Insurance Pros and Cons
Pros
- Cheap Premiums: Plans start at a low price point and are highly customizable.
- Boy: Fast Claims—a lot of users say they’re reimbursed quickly, especially with online or app-based claims.
- Flexible Coverage: Progressive offers various options for coverage, including accident-only, accident and illness, and full coverage.
- Excellent Customer Support: Friendly and helpful customer service stands out—reviewers frequently praise the support staff for their professionalism.
Cons
Higher Rates as Pet Ages: The premiums increase as your pet ages.
- Exclusions on Pre-Existing Conditions: Similar to the majority of the regular pet insurance providers, Progressive won’t cover pre-existing conditions, which may create issues with pets that have already known health conditions.
- Limited Wellness Care: Unless you buy an optional wellness plan, preventive and routine care is not usually covered.
- Claims Experience The claims experience is not consistent, with some customers experiencing denials or delays in reimbursement.
How to Quote Progressive Pet Insurance
Obtaining a quote from Progressive Pet Insurance is easy. How to get started:
To do this, open Progressive’s official website and go to the Progressive pet insurance page.
Step 1: Enter Your Pet’s Details: Enter information about your pet, including age, breed, and health condition.
Choose Your Plan: Depending on your pet’s details, a variety of plans, including accident-only, accident and illness, and comprehensive coverage, will appear.
Get Your Quote: After you choose your coverage level, you’ll receive a quote based on your pet’s details and your selections.
Select a Plan: Once you’ve researched your options, you can enroll in the plan directly via the site.
Conclusion
Overall, Progressive Pet Insurance, through its partnership with Pets Best, offers a great option for pet parents searching for cost-effective, customizable, and full-range pet insurance coverage. Although there are some things worth noting here (like the premiums for older pets and the exclusion for pre-existing conditions), many pet owners agree that the price and relatively fast processing time of claims make this a really good option. Be sure to read through the policy terms and conditions carefully to determine whether it will serve your pet’s needs before making any commitments. This way, you can ensure that your pet gets the medical attention they need and, at the same time, keep your finances in check.
Progressive Pet Insurance FAQs
What is Progressive Pet Insurance?
Progressive pet insurance is a partnership product with Pets Best Insurance. Pets Best, a leading pet insurance company in the United States, makes policies available through Progressive, simplifying the process.
What is the average cost of Progressive Pet Insurance?
Progressive Pet Insurance prices vary depending on your pet’s age, breed, and where you live. On average, accident-only premiums cost about $20-$30 per month for a dog and $10-$20 per month for a cat. More extensive plans may cost about $40K–60/month for dogs.
How much does Progressive Pet Insurance cost?
Like most pet insurance companies, Progressive Pet Insurance (https://www.thebalance.com/best-pet-insurance-companies-4170849) does not cover pre-existing conditions. The insurance policy will not cover any illness or injury your pet had before you signed up.
Does Progressive Pet Insurance have a claims process?
Pet owners can submit claims simply online or via mobile apps with Progressive Pet Insurance. You pay the vet bill upfront, then submit the invoice and any necessary documentation for reimbursement. Many customers say they get their refund in 7 to 14 days.
Do I have to use certain vets with Progressive Pet Insurance?
Yes, Progressive Pet Insurance gives you the ability to see any licensed veterinarian, including specialists and emergency clinics, throughout the U.S. But some vets may have relationships with particular insurers, so check with your vet to find out if they have a preferred provider.
When does coverage begin; is there a waiting period?
Yes, you usually have to wait a certain amount of time before coverage starts. The waiting period to become eligible is typically 2-3 days for accidents and 14 days for illness. You can find the precise waiting periods when you enroll in your policy.
Can I get coverage for wellness or preventive care?
Yes, Progressive Pet Insurance has wellness coverage as an add-on. You must purchase this type of coverage in addition to a standard accident and illness policy, which can help pay for routine care like vaccinations, flea treatments, and annual check-ups.
How can I obtain a quote for Progressive Pet Insurance?
To obtain a quote for Progressive Pet Insurance, you will visit the Progressive website and enter information about your pet, including their age, breed, and health history. You’ll get a personalized quote based on how much coverage you decide on.
Is Progressive Pet Insurance beneficial for older pets?
Progressive Pet Insurance covers older pets, but premiums are likely to increase as your pet ages, which is the case for most pet insurance companies. Older pets may have restrictions on coverage for pre-existing conditions or certain treatments.
What are Progressive Pet Insurance customer reviews?
Progressive Pet Insurance customer reviews for Progressive Pet Insurance are typically positive, with pet owners commending its low premiums, customizable coverage options, and straightforward claims process. But some customers do say that premiums can rise significantly when pets get older, and others say they’ve had issues with claim denials due to policy exclusions.
How do I cancel my Progressive Pet Insurance policy?
Yes, you can end your Progressive Pet Insurance policy whenever you want. (If you cancel within X days (generally coaching programs are 30-day programs), you are entitled to a full refund.) Check the policy’s cancellation terms for details on refunds or fees.