Pet Insurance

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Pet insurance makes veterinary care more affordable

Insurance for pets helps you cover the vet bills when your cat or dog gets hurt or sick. Costly veterinary care shouldn't get in the way of your pet thriving, but it often isn't in the budget. With customizable coverages and rates, Progressive Pet Insurance by Pets Best helps you afford the unexpected care your pet needs.

What's covered?

Pets Best offers two types of pet insurance plans, one for accidents only and another that covers both accidents and illnesses (the BestBenefit plan). With a BestBenefit plan, you have the option to add coverage for routine care, which is offered in two tiers: EssentialWellness and BestWellness. Learn more about each plan's coverages and pricing to determine which is right for your pet.

See all coverages

Types of plans

Accident Only plan

Accidental injuries

This fixed-price, highly affordable pet insurance plan is designed for those on a budget who still want to make sure they can afford proper care for their dog or cat if they were injured. This plan covers broken bones, bite wounds, accidental swallowing of foreign objects, and other common unexpected injuries.

BestBenefit plan

Accidents and illnesses

The most popular option, BestBenefit covers illnesses and injuries, no matter how serious. Choose this comprehensive plan to cover emergency care, diagnostic testing, specialist visits, and more. BestBenefit plans allow you to customize your deductible, reimbursement percentage, and annual limit.

Save through Progressive: When you quote pet insurance through Progressive, you can save 5% on a BestBenefit policy, plus another 5% if you insure more than one pet.^†

BestWellness and EssentialWellness plans

Routine and preventive care

These two preventative add-on options can help you pay for routine care, including wellness checkups, vaccinations, teeth cleaning, and more — all without paying any deductible. These plans are especially useful when budgeting for your kitten or puppy's initial vet needs, including microchipping and vaccinations. You can get this fixed-price coverage by adding it on to your BestBenefit plan, with coverage starting the day after you enroll.

How Progressive Pet Insurance by Pets Best compares

While comparing pet insurance policies, consider what benefits the insurer offers. In addition to its customizable plans and transparent pricing, here are a few key advantages Pets Best provides over other pet insurance companies.

One annual deductible: You'll pay just one deductible per year, rather than one deductible per claim, saving you more out of pocket.
Fast claims processing and payment: Claims are processed quickly and can be direct deposited to your bank account.
No upper age limits: Enroll your pet in an accident or illness plan at any age and keep the same level of coverage as they grow older.
Optional exam fee coverage: Some veterinarians charge an exam fee just for your pet to be seen. You can add coverage for exam fees for any covered accident and illness.
Choose your payment schedule: You can pay your premium monthly, quarterly, or annually to fit your budget.
No annual limit option: With a BestBenefit plan, you can choose to have no annual limit on your accident and illness policy.
Vet Direct Pay: With optional Vet Direct Pay, Pets Best will reimburse your vet directly for any covered claim so you don't have to pay for your pet's care upfront.
24/7 emergency vet hotline: Your Progressive Pet Insurance plan gives you access to Pets Best's 24/7 Pet Helpline, connecting you with veterinary experts who can answer all your pet parenting questions.

Common questions about pet insurance

Here are some frequently asked questions about insuring cats and dogs:

What is pet insurance?

Pet insurance is an insurance policy that can reimburse you for a portion of your pet's eligible vet bills. Learn more about how pet insurance works.

Can I use my own vet?

As long as your vet is a licensed veterinarian in the U.S. or Canada, you can file claims for your eligible vet costs with Pets Best insurance. Unlike with health insurance for humans, there are no networks or copays for pet insurance.

Do you need pet insurance?

If you're unsure how you could afford expensive veterinary bills, pet insurance can prove to be critically important. Treatment for serious illnesses can be a financial burden without a pet insurance plan in place.

How much is pet insurance?

Prices vary based on the age, breed, and location of your dog or cat. Your cost for pet insurance also depends on which types of coverage you want and, for BestBenefit plans, the reimbursement level you select during enrollment.

How do I choose the right pet insurance for me?

Choosing the right pet insurance for you depends on your budget and your pet's health needs. The most affordable plans only cover care for accidents, so most customers choose a comprehensive plan that covers treatment for accidents and illnesses. Pets Best also offers an optional preventative care plan, which can be added to a comprehensive plan. Learn more about shopping for pet insurance.

How soon after enrolling can I use my pet insurance?

You can file a pet insurance claim once the waiting period for the applicable coverage is over, if there is one. A pet insurance waiting period is the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best's waiting periods may vary but are typically:

Accidental injuries: Three days^††
Illnesses: Two weeks^††
Cruciate ligament conditions: Six months^††
Routine care (if added): No waiting period^††

Does pet insurance cover pre-existing conditions?

Pre-existing conditions aren't covered by most pet insurance companies. That's why pet insurance usually has waiting periods, to prevent customers from filing claims for issues that existed before the policy was active. Learn more about pre-existing conditions and pet insurance.

Pet insurance typically also doesn't cover dietary expenses and non-veterinary costs such as grooming and boarding. Learn more about what pet insurance covers and doesn't cover.

Can I add multiple pets to a single pet insurance policy?

Some insurers may allow you to add multiple pets to the same insurance policy, but most will require you to buy a separate policy for each pet. Each pet may also have a separate deductible and reimbursement level. Learn more about insurance for multiple pets.

What types of pets are covered by pet insurance?

Most pet insurers just cover cats and dogs. However, you may be able to find specialized pet insurance plans for exotic pets, such as birds or snakes.