How does pet insurance work?

If your dog or cat is sick or injured, pet insurance reimburses you for your veterinary bills and certain medications. A pet insurance plan provides peace of mind knowing that you’ll be able get the proper treatment for your dog or cat without worrying about the financial burden.

You'll usually pay for pet insurance monthly, and policies often renew automatically every year. Most plans let you choose how much you'd like to be reimbursed, and your deductible amount. The higher your co-pay percentage and/or deductible, the less your plan will cost. If your pet is sick or injured, you'll pay the veterinarian directly for treatment, and then file a claim to your pet insurer for reimbursement.

For example, if your pet insurance plan covers 90% of your claims and your vet bill is $500, your pet insurer will reimburse you $450, minus your deductible. If your plan covers 70%, you'll be reimbursed $350, minus your deductible, on a $500 bill.

Most pet insurance plans let you choose how much you’d like to be reimbursed, and your deductible amount.

Is pet insurance worth it?

Pet insurance can improve your four-legged family member’s quality of life and potentially save you thousands if your pet is ill or injured. Cancer, congestive heart failure, respiratory issues and gastrointestinal conditions can all cost you in excess of $10,000 if you don’t have pet insurance.

You can get a quote and examine pricing and coverages to find the best fit for you and your pet.

How to get pet insurance


Get a quote from Progressive Pet Insurance by Pets Best.

Call a rep

Call 877-298-0639 and speak with a representative from Progressive Pet Insurance by Pets Best.

What does pet insurance cover?

Before choosing a pet insurer and plan, make sure you know exactly how your dog or cat is covered. The best insurance plans will cover the following:

  • Accidents: Cuts, lacerations, broken legs, ingestions, etc. – make sure your plan covers swallowed objects as well.
  • Illnesses: Arthritis, allergies, skin and ear infections, diabetes and cancer.
  • Hereditary and congenital conditions: Hip and elbow dysplasia, glaucoma, epilepsy, luxating patella and cherry eye.
  • Routine care: For an extra cost, most insurers offer coverage for preventative care and annual exams, vaccinations, bloodwork, and dental cleanings.

Coverage choices

Progressive Pet Insurance by Pets Best has three plan types available:

  • Accident Only: Designed for limited budgets ($6-$10 per month); covers incidents like broken legs, snake bites, accidental swallowing, and more. Won’t cover illnesses such as cancer.
  • BestBenefit Accident and Illness: Comprehensive plan covering accidents and illnesses.
  • Optional Routine Care: Available as an add on to the Accident Only and BestBenefit plans; covers extras like dental cleaning, blood work and wellness exams.

After selecting a Pets Best plan, you'll choose a deductible between $50-$1000 and a reimbursement amount for your vet bills between 70%-90%.

How much does pet insurance cost?

Most pets can be insured for a few hundred dollars a year, depending on the provider and the type of plan you choose. In general, accident-only plans are less expensive than comprehensive plans, which cover accidents and illness. Prices will vary based on your location, deductible, and reimbursement level, as well as your pet’s age and breed. Learn more about how your rate is determined and what the average policy for pet insurance costs.


Can I choose my own veterinarian?

Yes, as long as your veterinarian is licensed and has the necessary training.

Does pet insurance cover any pets besides cats and dogs?

Typically no. You’ll need a company that specializes in exotic pets. When it comes to pet insurance, “exotic” is used to describe any animal that isn’t a cat or dog.

What does pet insurance not cover?

Pet insurers will not cover pre-existing conditions.

What if my pet is injured in an auto accident and I don’t have pet insurance?

At Progressive, we offer free coverage for pet injuries resulting from auto accidents. If you have collision coverage on your personal auto policy, we’ll cover your vet bills up to a specified limit if your pet is injured in a car accident.