Progressive pet insurance review 2026

Progressive partners with two pet insurers — Pets Best and Companion Protect — to offer pet insurance through two separate websites. Pets Best and Companion Protect offer different pet insurance plans that differ in terms of coverage, exclusions, discounts, waiting periods, prices, and state availability. It’s important to compare the two companies to decide which one is best for your pet’s needs.

If you’re an existing Progressive customer and you purchase pet insurance through one of these insurers, you can earn a 5% multi-policy discount. In the following sections, we’ll explain more about how to get a quote from Pets Best and Companion Protect through Progressive.

Learn more: The best pet insurance companies

• Option for unlimited annual coverage (Pets Best)

• Direct vet pay available (Pets Best)

• Bundling discount for Progressive customers

• Doesn’t cover pre-existing conditions

• Companion Protect policies aren’t available in every state

• No 24/7 vet helpline through Companion Protect

Learn more: Is pet insurance worth it?

Progressive offers pet insurance policies through Pets Best and Companion Protect. Depending on which Progressive partner issues your policy, you can get accident-only coverage, accident-and-illness coverage, and optional wellness coverage for preventative care.

The coverage limits available also depend on the insurer. For example, Pets Best offers an unlimited coverage option, which can provide peace of mind in case your pet develops a chronic illness that requires ongoing care. Companion Protect’s coverage choices range from $5,000 to $20,000, so it’s more limited.

To get a quote from Pets Best, use the Progressive + Pets Best website.

To get a quote from Companion Protect, visit the Progressive + Companion Protect website.

Pets Best

• Annual maximum limit choices: $5,000, Unlimited

• Deductible choices: $50, $100, $200, $250, $500

• Reimbursement choices: 70%, 80%, 90%

Companion Protect

• Annual maximum limit choices: $5,000, $10,000, $20,000

• Deductible choices: $250, $500, $1,000

• Reimbursement choices: 50%, 60%, 70%, 80%, 90%

Pets Best

• For accident coverage: 3 days (in most states)

• For illness coverage: 14 days (in most states)

• Special waiting period: 6 months for cruciate ligament issues

Companion Protect

• For accident coverage: None

• For illness coverage: 15 days

• Special waiting period: 30 days for orthopedic illnesses

Learn more: Pet insurance with no waiting period: How it works

Pets Best

• Minimum pet age: 7 weeks

• Maximum pet age: None

Companion Protect

Learn more: How does pet insurance work?

Progressive pet insurance can cover accidents and illnesses, like ear infections, lacerations, cancer, hospitalization, and allergies. You also have the option to add a wellness plan that covers preventative care, including routine vet exams and vaccinations.

The exact plans and coverages available depend on the Progressive partner that provides your pet insurance policy. Here are the plan options that Pets Best and Companion Protect offer, and the services that each one covers.

Learn more: Your guide to what pet insurance covers

Pets Best accident and illness policy

Pets Best offers three accident and illness policies — Elite, Plus, and Essential. The Elite policy offers the highest level of coverage among the three plans, including:

• The vet exam fee

• Hereditary and congenital conditions such as cherry eye and Wobbler Syndrome

• Diagnostics such as X-rays and bloodwork

• Dental coverage for accidents and illnesses

• Alternative therapies such as acupuncture, chiropractic care, cold laser therapy, physical therapy, and hydrotherapy

• Prescription medications

• Euthanasia

Companion Protect accident and illness policy

Companion Protect’s accident and illness plan covers the following:

• The vet exam fee

• Chronic illnesses, like cancer and diabetes

• Allergies

• Diagnostic testing

• Behavioral therapy resulting from an accident or illness (excludes obedience training)

• Hereditary and congenital conditions, like hip dysplasia and glaucoma

• Dental accidents

• Alternative therapies

• Prescription food

• Euthanasia

• Cremation and burial costs

Learn more: Pancreatitis in dogs: Does pet insurance cover it?

Pets Best’s accident-only plan covers problems such as broken bones, foreign bodies that are swallowed, and injuries from being hit by a vehicle.

Companion Protect doesn’t offer an accident-only plan.

Pets Best offers two tiers of wellness plans: EssentialWellness and BestWellness. Both cover the same routine care expenses, but with different pricing and annual maximums:

The EssentialWellness and BestWellness plans will reimburse you up to specified limits for the following:

Companion Protect’s pet wellness plan provides more limited coverage than Pets Best’s plan. It covers the following types of preventative care:

• Routine physical examinations

• Vaccinations

• Routine diagnostic testing

• Flea, tick, and heartworm prevention

• Vitamins and supplements

• Teeth cleaning

Learn more: Why a pet wellness plan is worth considering

Progressive pet insurance doesn’t cover curable or incurable preexisting conditions. Pets Best and Companion Protect won’t pay for treatment for conditions that developed before your pet was insured or during the waiting period.

Learn more: Pet insurance that covers preexisting conditions

Pets Best customers get access to a 24/7 vet helpline, where you can ask questions about your pet’s health, get training tips, and more.

Companion Protect doesn’t offer a 24/7 vet telehealth line.

Here are some pet expenses that are not covered by Progressive:

• Spaying and neutering

• Breeding and pregnancy

• Preexisting conditions

• Injuries or conditions from intentional acts, such as dog fighting or racing

• Neglect

• Boarding

• Elective and cosmetic procedures, such as tail docking and declawing

• Experimental medications and therapies

• Anal gland expression

• Injuries from intentional acts, such as dog fighting

• Conditions due to racing, such as sled and track racing

• Cloning

• Grooming

Pets Best customers can increase or decrease coverage, with the following restrictions:

• Increases: You can increase coverage only at the annual renewal time, such as moving from 70% to 80% coinsurance. However, increasing your annual limit will require canceling the policy and buying a new one. This will reset the waiting periods and the preexisting coverage exclusions.

• Decreases: You can decrease your Pets Best coverage at any time, such as lowering your annual limit or going from 80% to 70% coinsurance.

According to a Companion Protect CARE team agent, adjusting your coverage in any way will result in a cancellation of your current policy. You must enroll in a new plan and the policy will be underwritten with the coverage changes. Enrolling in a new policy will also reset your deductible.

We found Pets Best’s costs to be competitive, especially for its unlimited policy. In our review of the best pet insurance companies, Pets Best took the top spot in large part because of its competitive rates.

Learn more: How much does pet insurance cost?

Progressive’s Pets Best and Companion Protect plans both have pretty good rates for a policy with $5,000 in annual coverage. In the table below, you can see the average monthly rates from Pets Best, Companion Protect, and some of its competitors.

For unlimited annual coverage, Progressive’s Pets Best policies are a bargain considering the coverage included. Companion Protect doesn’t offer plans with unlimited coverage. The table below shows the average premiums for unlimited coverage policies from some of the top pet insurers.

Learn more: How to compare pet insurance quotes

Yes. Progressive has a multi-pet discount if you enroll more than one pet. Keep in mind that each pet will need their own policy for coverage.

Pets Best can pay the vet directly as long as the vet signs a Veterinarian Reimbursement Form.

But under a Companion Protect plan, this isn’t an option. Instead, you pay the vet yourself and then submit a claim for reimbursement from Progressive. Make sure to include a copy of your invoice and any relevant medical records.

Learn more: Pet insurance that pays the vet directly

Here’s what to know about making pet insurance claims with Progressive:

• Get your documents ready: Make sure you have a digital copy or photo of the invoice from your vet and any relevant medical notes or documents on hand. You’ll need to upload these as part of your claim.

• Log into the online portal: Depending on the insurer, you’ll need to go to the Progressive Pet Insurance Customer Portal for Companion Protect or directly to Pets Best to file a claim.

• Submit the forms: You’ll need to submit a completed claim form and copies of all paid invoices within 180 days from the treatment date. Pets Best may require complete medical records for the pet in order to process the claim.

• Wait to get paid: Progressive states that most claims are reviewed and processed as quickly as possible, usually within a few days. You should receive your reimbursement through whichever payment method you chose when submitting your claim (or under a Pets Best plan, you can choose to have the vet paid directly).

Progressive gives customers six months from the date of the vet visit to submit a claim. When your dog or cat goes to the vet, you’ll submit a claim to the company that provides your policy.

Progressive doesn’t say exactly how long it takes to pay claims, but most claims are processed within a few days.

Although Progressive has a mobile app for insurance customers, it doesn’t currently allow for managing pet insurance policies. However, you can manage your policy, submit claims, and make payments digitally through Progressive’s online customer portal.

Progressive customers who have a Pets Best plan can use the Pets Best mobile app to access your pet’s coverage information, submit and view claims, receive reminders for payments, access the 24/7 telehealth line, and more.

Companion Protect doesn’t have a mobile app. You can manage your policy, submit claims, and make payments digitally through the online customer portal.

The availability of Progressive pet insurance depends on the partner company that provides your policy. Pets Best sells plans in all 50 states. Companion Protect plans are currently only available in 26 states, including AL, AR, AZ, CA, CO, DE, IA, IL, IN, KS, MI, MN, MS, NC, ND, NE, NM, NV, OH, OK, SD, TN, TX, WI, WV, and WY.

Progressive doesn’t require an exam for buying a Pets Best or Companion Protect policy.

You can contact Pets Best either by phone, fax, or mail:

• Phone number: 1-877-738-7237 from Monday to Friday (6 a.m to 7 p.m. MT) and Saturday (6 a.m. to 2 p.m. MT)

• Fax number: 1-866-777-1434

• Mailing address: Pets Best Insurance Services, LLC, 965 Keller Rd., Altamonte Springs, FL 32714

Here’s how to get in touch with Companion Protect:

• Phone number: Call the Companion Protect CARE team at 1-888-546-8945 from Monday to Friday (7 a.m. to 8 p.m. CT) and Saturday (9 a.m. to 6 p.m. CT)

• Email: Email ProgressivePet-service@petscovered.com

• Live chat: Visit the Companion Protect website to chat with a live agent during business hours

Tim Manni and Jamie Young edited this article.

We researched the coverage details and prices for 28 pet insurance plans. We then weighted categories, and each pet insurer was scored relative to the others to find the best pet insurance companies. Here are the factors we incorporated.

Coverage types: 40% of score. We examined the coverage provided by the base policy without the extra cost of add-ons. This encompassed coverage for alternative therapy, behavioral therapy, dental illness, euthanasia or end-of-life expenses, exotic pets, hereditary and congenital conditions, preexisting conditions, prescription food and supplements, veterinary exam fees, and advertising/reward for lost/stolen pets.

Average cost: 30% of score. We evaluated costs in five states for $5,000 and unlimited coverage for a mixed-breed dog (age 1), a French bulldog (age 5), and a Labrador retriever (age 8).

Unlimited coverage option: 10% of score. We gave points when pet insurers offered an unlimited annual limit (or a $100,000 limit), which gives pet owners the most robust financial protection possible in the event of a catastrophic pet medical issue.

Direct payments to the veterinarian: 5% of score. We gave points to pet insurers that state on their websites that they accommodate direct vet payments.

No special waiting periods for special conditions: 5% of score. We gave points when pet insurers have no waiting periods for special conditions, such as cruciate ligament conditions.

Routine wellness plan: 5% of score. Companies that offer a routine wellness plan in addition to pet insurance received points.

Multi-pet discount: 5% of score. We gave points when pet insurers offered a discount for insuring multiple pets.