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How Much Does Progressive Pet Insurance Cost? 2024 Update

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By Nicole Cosgrove

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The majority of American households own a pet, and while we love our furry (and sometimes not-so-furry) friends, they can be expensive. The cost of routine vet care, let alone unexpected illness or injury, can cause financial stress for even the most responsible pet parent. That’s where pet insurance comes in. Pet insurance is designed to reimburse you for some or all of your veterinary costs.

Progressive pet insurance is one of the top pet insurance providers in the United States. They offer a variety of plans and coverage options to fit the needs of any pet owner. But with all these choices, it can be hard to know how much Progressive pet insurance will actually cost you. In this article, we’ll break down the different factors that affect the cost of Progressive pet insurance, so you can make an informed decision about what’s best for your pet.

Progressive Pet Insurance

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Progressive Pet Insurance Plans

There are many types of pet insurance offered by Progressive Pet Insurance through Pets Best. Several preventative care plans are offered, including an accident-only plan, an accident-and-illness plan, and an accident-and-illness plan. Regardless of what you’re looking for, they have a plan for you.

The Progressive Accident-Only Plan covers accidental injuries such as broken bones, bite wounds, burns, and animal bites. If you are looking for catastrophic coverage for your pet, this plan is an excellent choice. For pet parents looking for a deal, it’s also offered at a fixed price.

Aside from this, Progressive offers a BestBenefit plan that offers comprehensive coverage for accidents and illnesses. Pet parents prefer this option because it covers both serious and mild accidents and illnesses. The package includes X-rays, chiropractic treatment, prescription medications, emergency care, specialist visits, diagnostic testing, chronic conditions, hospitalizations, hereditary conditions, and more.

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How Much Does Progressive Pet Insurance Cost?

There are multiple payment options offered by Progressive, including monthly, quarterly, or annual premium payments. Their BestBenefit plan typically costs around $36 per month for dog insurance and $21 per month for cat insurance, which is competitively priced.

Based on Progressive’s average pricing through Pets Best, the following sample prices are provided. The price will vary based on your choice of plan, customization options, where you live, and the age of your pet. Preventative care plans are priced based on the EssentialWellness plan, which costs $16 a month.

Species & Breed Sample Monthly Cost for Medium Mixed Breed Dog Sample Monthly Cost for Golden Retriever Sample Monthly Cost for Domestic Cat
Accident and Illness Plan $36 $46 $21
Accident and Illness Plan with Preventative Care $52 $62 $37

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The deductible ranges from $50 to $1,000 at Pets Best, so you can customize your monthly premium to meet your needs. You will likely pay a lower monthly premium if your deductible is higher. After you reach your deductible for the year, you will not have to worry about hitting it again until the following year.

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Limits on Preventative Care

The Progressive pet insurance plan offered by Pets Best includes two wellness plans that help cover the costs of routine veterinary care, such as checkups, vaccinations, and microchipping. The wellness care plans on offer include:

  • EssentialWellness plan: It costs $16 per month in addition to your accident-only or accident-and-illness policy. It covers rabies vaccines, heartworm preventatives, FELV screenings, routine blood work, and microchipping for an annual limit of $210.
  • BestWellness plan: This plan costs $26 a month and covers everything the EssentialWellness plan does, but with a $260 annual limit. Dental cleanings, spaying, and neutering are also included.
Items covered EssentialWellness Plan Annual Limit BestWellness Annual Limit
Wellness Exam $50 $50
Heartworm Test $25 $30
Internal Parasite or Fecal Test $50 $70
Bloodwork $50 $70
Three Vaccines $30 $40
Total $210 $260

Coverage Exclusions

There are a few conditions that are typically excluded from pet insurance policies. These include pre-existing conditions and hereditary or congenital conditions. Pre-existing conditions are any illnesses or injuries your pet has before you enroll in a policy. Hereditary or congenital conditions are those that are passed down from parents to offspring, or present at birth. Prescription pet foods, grooming, boarding, and cremation or burial costs are also excluded from coverage.


Pet parents with multiple pets can save significantly over time with Progressive’s multi-pet discount of 5% through Pets Best.

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What Animals Can Be Covered?

Progressive Pet Insurance offers coverage for dogs and cats. This is because these are the most common household pets. Other animals, such as reptiles and birds, are not covered under this insurance policy.

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In conclusion, the cost of progressive pet insurance varies depending on the individual owner’s needs and the type of animal being insured. Before enrolling your pet in a pet insurance plan, find out as much as you can about the company. This Progressive pet insurance review should provide you with a good understanding of how Progressive operates, the average price point, and the pros and cons of the product. No matter which provider you choose, you can rest assured that your pet is covered in the event of an accident or illness.

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