Progressive pet insurance coverage assessment 2026

Progressive companions with two pet insurers — Pets Finest and Companion Shield — to supply pet insurance coverage by means of two separate web sites. Pets Finest and Companion Shield supply completely different pet insurance coverage that differ when it comes to protection, exclusions, reductions, ready intervals, costs, and state availability. It’s necessary to check the 2 firms to resolve which one is finest to your pet’s wants.

Should you’re an current Progressive buyer and you buy pet insurance coverage by means of certainly one of these insurers, you possibly can earn a 5% multi-policy low cost. Within the following sections, we’ll clarify extra about easy methods to get a quote from Pets Finest and Companion Shield by means of Progressive.

Study extra: The perfect pet insurance coverage firms

• Choice for limitless annual protection (Pets Finest)

• Direct vet pay accessible (Pets Finest)

• Bundling low cost for Progressive clients

• Doesn’t cowl pre-existing circumstances

• Companion Shield insurance policies aren’t accessible in each state

• No 24/7 vet helpline by means of Companion Shield

Study extra: Is pet insurance coverage price it?

Progressive provides pet insurance coverage insurance policies by means of Pets Finest and Companion Shield. Relying on which Progressive associate points your coverage, you may get accident-only protection, accident-and-illness protection, and non-compulsory wellness protection for preventative care.

The protection limits accessible additionally rely upon the insurer. For instance, Pets Finest provides a vast protection possibility, which might present peace of thoughts in case your pet develops a continual sickness that requires ongoing care. Companion Shield’s protection selections vary from $5,000 to $20,000, so it’s extra restricted.

To get a quote from Pets Finest, use the Progressive + Pets Finest web site.

To get a quote from Companion Shield, go to the Progressive + Companion Shield web site.

Pets Finest

• Annual most restrict selections: $5,000, Limitless

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

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

Companion Shield

• Annual most restrict selections: $5,000, $10,000, $20,000

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

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

Pets Finest

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

• For sickness protection: 14 days (in most states)

• Particular ready interval: 6 months for cruciate ligament points

Companion Shield

• For accident protection: None

• For sickness protection: 15 days

• Particular ready interval: 30 days for orthopedic diseases

Study extra: Pet insurance coverage with no ready interval: The way it works

Pets Finest

• Minimal pet age: 7 weeks

• Most pet age: None

Companion Shield

Study extra: How does pet insurance coverage work?

Progressive pet insurance coverage can cowl accidents and diseases, like ear infections, lacerations, most cancers, hospitalization, and allergic reactions. You even have the choice so as to add a wellness plan that covers preventative care, together with routine vet exams and vaccinations.

The precise plans and coverages accessible rely upon the Progressive associate that gives your pet insurance coverage coverage. Listed here are the plan choices that Pets Finest and Companion Shield supply, and the companies that every one covers.

Study extra: Your information to what pet insurance coverage covers

Pets Finest accident and sickness coverage

Pets Finest provides three accident and sickness insurance policies — Elite, Plus, and Important. The Elite coverage provides the best degree of protection among the many three plans, together with:

• The vet examination payment

• Hereditary and congenital circumstances similar to cherry eye and Wobbler Syndrome

• Diagnostics similar to X-rays and bloodwork

• Dental protection for accidents and diseases

• Different therapies similar to acupuncture, chiropractic care, chilly laser remedy, bodily remedy, and hydrotherapy

• Prescription drugs

• Euthanasia

Companion Shield accident and sickness coverage

Companion Shield’s accident and sickness plan covers the next:

• The vet examination payment

• Persistent diseases, like most cancers and diabetes

• Allergic reactions

• Diagnostic testing

• Behavioral remedy ensuing from an accident or sickness (excludes obedience coaching)

• Hereditary and congenital circumstances, like hip dysplasia and glaucoma

• Dental accidents

• Different therapies

• Prescription meals

• Euthanasia

• Cremation and burial prices

Study extra: Pancreatitis in canines: Does pet insurance coverage cowl it?

Pets Finest’s accident-only plan covers issues similar to damaged bones, overseas our bodies which can be swallowed, and accidents from being hit by a car.

Companion Shield doesn’t supply an accident-only plan.

Pets Finest provides two tiers of wellness plans: EssentialWellness and BestWellness. Each cowl the identical routine care bills, however with completely different pricing and annual maximums:

The EssentialWellness and BestWellness plans will reimburse you as much as specified limits for the next:

Companion Shield’s pet wellness plan gives extra restricted protection than Pets Finest’s plan. It covers the next varieties of preventative care:

• Routine bodily examinations

• Vaccinations

• Routine diagnostic testing

• Flea, tick, and heartworm prevention

• Nutritional vitamins and dietary supplements

• Tooth cleansing

Study extra: Why a pet wellness plan is price contemplating

Progressive pet insurance coverage doesn’t cowl curable or incurable preexisting circumstances. Pets Finest and Companion Shield received’t pay for remedy for circumstances that developed earlier than your pet was insured or in the course of the ready interval.

Study extra: Pet insurance coverage that covers preexisting circumstances

Pets Finest clients get entry to a 24/7 vet helpline, the place you possibly can ask questions on your pet’s well being, get coaching ideas, and extra.

Companion Shield doesn’t supply a 24/7 vet telehealth line.

Listed here are some pet bills that aren’t coated by Progressive:

• Spaying and neutering

• Breeding and being pregnant

• Preexisting circumstances

• Accidents or circumstances from intentional acts, similar to canine preventing or racing

• Neglect

• Boarding

• Elective and beauty procedures, similar to tail docking and declawing

• Experimental drugs and therapies

• Anal gland expression

• Accidents from intentional acts, similar to canine preventing

• Circumstances on account of racing, similar to sled and observe racing

• Cloning

• Grooming

Pets Finest clients can improve or lower protection, with the next restrictions:

• Will increase: You possibly can improve protection solely on the annual renewal time, similar to transferring from 70% to 80% coinsurance. Nevertheless, rising your annual restrict would require canceling the coverage and shopping for a brand new one. This can reset the ready intervals and the preexisting protection exclusions.

• Decreases: You possibly can lower your Pets Finest protection at any time, similar to decreasing your annual restrict or going from 80% to 70% coinsurance.

In accordance with a Companion Shield CARE crew agent, adjusting your protection in any method will lead to a cancellation of your present coverage. You should enroll in a brand new plan and the coverage might be underwritten with the protection adjustments. Enrolling in a brand new coverage can even reset your deductible.

We discovered Pets Finest’s prices to be aggressive, particularly for its limitless coverage. In our assessment of the most effective pet insurance coverage firms, Pets Finest took the highest spot largely due to its aggressive charges.

Study extra: How a lot does pet insurance coverage value?

Progressive’s Pets Finest and Companion Shield plans each have fairly good charges for a coverage with $5,000 in annual protection. Within the desk beneath, you possibly can see the typical month-to-month charges from Pets Finest, Companion Shield, and a few of its opponents.

For limitless annual protection, Progressive’s Pets Finest insurance policies are a discount contemplating the protection included. Companion Shield doesn’t supply plans with limitless protection. The desk beneath reveals the typical premiums for limitless protection insurance policies from a few of the high pet insurers.

Study extra: The best way to evaluate pet insurance coverage quotes

Sure. Progressive has a multi-pet low cost should you enroll multiple pet. Remember that every pet will want their very own coverage for protection.

Pets Finest pays the vet immediately so long as the vet indicators a Veterinarian Reimbursement Type.

However underneath a Companion Shield plan, this isn’t an possibility. As an alternative, you pay the vet your self after which submit a declare for reimbursement from Progressive. Make certain to incorporate a replica of your bill and any related medical information.

Study extra: Pet insurance coverage that pays the vet immediately

Right here’s what to find out about making pet insurance coverage claims with Progressive:

• Get your paperwork prepared: Ensure you have a digital copy or photograph of the bill out of your vet and any related medical notes or paperwork readily available. You’ll must add these as a part of your declare.

• Log into the web portal: Relying on the insurer, you’ll must go to the Progressive Pet Insurance coverage Buyer Portal for Companion Shield or on to Pets Finest to file a declare.

• Submit the types: You’ll must submit a accomplished declare kind and copies of all paid invoices inside 180 days from the remedy date. Pets Finest might require full medical information for the pet to be able to course of the declare.

• Wait to receives a commission: Progressive states that the majority claims are reviewed and processed as shortly as attainable, often inside a number of days. You must obtain your reimbursement by means of whichever cost methodology you selected when submitting your declare (or underneath a Pets Finest plan, you possibly can select to have the vet paid immediately).

Progressive provides clients six months from the date of the vet go to to submit a declare. When your canine or cat goes to the vet, you’ll submit a declare to the corporate that gives your coverage.

Progressive doesn’t say precisely how lengthy it takes to pay claims, however most claims are processed inside a number of days.

Though Progressive has a cellular app for insurance coverage clients, it doesn’t presently permit for managing pet insurance coverage insurance policies. Nevertheless, you possibly can handle your coverage, submit claims, and make funds digitally by means of Progressive’s on-line buyer portal.

Progressive clients who’ve a Pets Finest plan can use the Pets Finest cellular app to entry your pet’s protection data, submit and consider claims, obtain reminders for funds, entry the 24/7 telehealth line, and extra.

Companion Shield does not have a cellular app. You possibly can handle your coverage, submit claims, and make funds digitally by means of the web buyer portal.

The supply of Progressive pet insurance coverage is determined by the associate firm that gives your coverage. Pets Finest sells plans in all 50 states. Companion Shield plans are presently solely accessible in 26 states, together with 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 examination for getting a Pets Finest or Companion Shield coverage.

You possibly can contact Pets Finest both by telephone, fax, or mail:

• Telephone quantity: 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 quantity: 1-866-777-1434

• Mailing handle: Pets Finest Insurance coverage Companies, LLC, 965 Keller Rd., Altamonte Springs, FL 32714

Right here’s easy methods to get in contact with Companion Shield:

• Telephone quantity: Name the Companion Shield CARE crew at 1-888-546-8945 from Monday to Friday (7 a.m. to eight p.m. CT) and Saturday (9 a.m. to six p.m. CT)

• E mail: E mail ProgressivePet-service@petscovered.com

• Stay chat: Go to the Companion Shield web site to speak with a reside agent throughout enterprise hours

Tim Manni and Jamie Younger edited this text.

We researched the protection particulars and costs for 28 pet insurance coverage. We then weighted classes, and every pet insurer was scored relative to the others to seek out the most effective pet insurance coverage firms. Listed here are the components we integrated.

Protection sorts: 40% of rating. We examined the protection supplied by the bottom coverage with out the additional value of add-ons. This encompassed protection for various remedy, behavioral remedy, dental sickness, euthanasia or end-of-life bills, unique pets, hereditary and congenital circumstances, preexisting circumstances, prescription meals and dietary supplements, veterinary examination charges, and promoting/reward for misplaced/stolen pets.

Common value: 30% of rating. We evaluated prices in 5 states for $5,000 and limitless protection for a mixed-breed canine (age 1), a French bulldog (age 5), and a Labrador retriever (age 8).

Limitless protection possibility: 10% of rating. We gave factors when pet insurers supplied a vast annual restrict (or a $100,000 restrict), which supplies pet house owners essentially the most sturdy monetary safety attainable within the occasion of a catastrophic pet medical subject.

Direct funds to the veterinarian: 5% of rating. We gave factors to pet insurers that state on their web sites that they accommodate direct vet funds.

No particular ready intervals for particular circumstances: 5% of rating. We gave factors when pet insurers haven’t any ready intervals for particular circumstances, similar to cruciate ligament circumstances.

Routine wellness plan: 5% of rating. Firms that provide a routine wellness plan along with pet insurance coverage obtained factors.

Multi-pet low cost: 5% of rating. We gave factors when pet insurers supplied a reduction for insuring a number of pets.