Progressive's Pet Protection: Understanding Auto Insurance Coverage For Pets

Progressive offers pet insurance for cats and dogs, which can be added to your auto insurance policy. This pet insurance covers veterinary costs for accidents and illnesses, including emergency care, diagnostic testing, and specialist visits. The coverage is flexible and can be customized to fit your pet's health needs and your budget. You can choose from three types of plans: accident-only, accident and illness, and routine care. Additionally, Progressive offers Pet Injury Protection, which covers veterinary bills of up to $1,000 if your pet is injured in a car accident while riding with you, regardless of fault. This coverage is included at no extra charge when you have collision insurance on your policy.

Pet Injury Protection covers vet bills if your pet is injured in a car accident

Pet Injury Protection is a feature of Progressive's auto insurance that covers vet bills if your pet is injured in a car accident. This coverage is included at no extra charge when you have collision insurance on your policy and is available in most states. It provides protection for your pet in case they are injured in an accident while driving with you in your vehicle.

Pet Injury coverage can help pay for veterinary bills and medicine up to a specified limit, typically $1,000. This coverage is separate from pet insurance and can be useful even if you already have pet insurance, as it specifically covers injuries sustained in car accidents. It is important to note that Pet Injury coverage is only available if you purchase Collision coverage for your vehicles, and coverage options may vary based on the state you live in.

If your pet is injured in a car accident, you can receive reimbursement for veterinary bills and medicine up to the specified limit. This coverage is especially useful if you frequently travel with your pet, providing peace of mind and financial protection in the event of an accident.

With Progressive's Pet Injury Protection, you can rest assured that your pet will receive the necessary medical care without the added financial burden. This coverage demonstrates Progressive's commitment to providing comprehensive protection for its customers and their beloved pets.

Pet insurance covers accidents, illnesses, and routine care

Pet insurance is an insurance policy that can reimburse you for a portion of your pet's eligible veterinary expenses, particularly if your pet suffers an unexpected accident or illness. Progressive Pet Insurance by Pets Best offers three types of coverage: accident-only, accident and illness, and routine care.

Accident-only coverage is the most affordable option, covering injuries such as broken bones, bite wounds, and foreign object ingestion. The accident and illness coverage, or the BestBenefit plan, is the most popular option as it covers illnesses and injuries, regardless of severity. This plan includes emergency care, diagnostic testing, and specialist visits. You can also add coverage for routine care, which is offered in two tiers: EssentialWellness and BestWellness. These plans can help you pay for wellness checkups, vaccinations, teeth cleaning, and more, without paying any deductibles.

The BestWellness and EssentialWellness plans are especially useful for budgeting for a young or old pet's initial vet needs, such as microchipping and vaccinations. You can add this fixed-price coverage to your BestBenefit plan, with coverage starting the day after enrolment. By choosing Progressive Pet Insurance, you gain access to benefits such as one annual deductible, fast claims processing, no upper age limits, optional exam fee coverage, and flexible payment options.

You can choose your reimbursement level for accident and illness coverage

Progressive Pet Insurance by Pets Best offers a BestBenefit plan that covers accidents and illnesses. This plan is highly customisable, allowing you to choose your reimbursement level, deductible, and annual limit.

You can choose to be reimbursed 70%, 80%, or 90% of your dog or cat's covered bills after you meet your annual deductible. The higher your deductible and the lower your reimbursement percentage, the less your premiums will cost. This means that you can choose a reimbursement level that suits your budget.

The BestBenefit plan covers emergency care, diagnostic testing, and visits to specialists. It does not cover preventative or routine care, but you can add this on as an optional extra with the BestWellness and EssentialWellness plans.

The BestBenefit plan is the most popular option for pet insurance, as it covers illnesses and injuries, no matter how serious. It is a comprehensive plan that gives you peace of mind that you will be able to afford your pet's care.

Pet insurance doesn't cover pre-existing conditions or non-medical needs

Pet insurance is an essential way to ensure you can provide your furry friend with the best care possible. While pet insurance can be a literal lifesaver, it's important to understand its limitations. One significant exclusion to be aware of is that pet insurance does not cover pre-existing conditions. This means that any illness, injury, or condition that your pet had before your coverage started will not be covered by your insurance provider.

Pre-existing conditions are typically defined as any illness, injury, or health issue that occurs before the start of your pet's policy or during the waiting period. This waiting period, which is the time between purchasing insurance and when coverage begins, is in place to prevent policyholders from buying a policy only after their pet gets sick. Therefore, it is crucial to purchase pet insurance before any health issues arise.

Insurers may request your pet's medical history or veterinary records when you apply for a policy to identify any pre-existing conditions. Some companies may even require a veterinary examination to establish a baseline of your pet's health. It is important to be transparent about your pet's health to avoid surprises and ensure you understand what is and isn't covered.

While most pet insurance companies do not cover pre-existing conditions, there are a few exceptions. Some insurers may cover "curable" pre-existing conditions, such as an ear or respiratory infection, if your pet has been symptom-free for a specific period, often ranging from six months to a year. Additionally, certain companies, like AKC, offer coverage for incurable pre-existing conditions after continuous coverage for a year.

Another important exclusion to note is that pet insurance typically does not cover non-medical needs. This includes expenses such as grooming, boarding, transportation fees, and dietary costs like food and supplements. These costs are considered non-veterinary and are therefore not eligible for reimbursement.

It is also worth mentioning that pet insurance usually does not cover elective or preventive procedures unless you have a separate wellness plan. This means that routine care, such as annual exams, vaccinations, and dental cleanings, may not be covered under your standard pet insurance policy.

Understanding what is excluded from your pet insurance coverage is crucial to ensuring you can provide your furry friend with the best possible care. While pre-existing conditions and non-medical needs are generally not covered, there are exceptions and add-on options available. Always read the fine print of your policy and don't be afraid to ask questions to clarify your pet's coverage.

Pet insurance is worth it for peace of mind and to avoid unexpected costs

Peace of Mind

Pet insurance provides peace of mind, knowing that you can give your pet the best possible care without worrying about financial burdens. It allows you to make decisions about your pet's health based on what is best for them, rather than being limited by cost. This can be invaluable, especially in unexpected emergencies or when facing costly treatments for illnesses or accidents.

Avoid Unexpected Costs

Veterinary care can be expensive, and unexpected illnesses or accidents can result in bills of thousands of dollars. Pet insurance helps to offset these costs by reimbursing a portion of your eligible veterinary expenses. While you are responsible for premiums and deductibles, pet insurance typically reimburses a significant percentage of covered care, reducing your overall financial burden.

Customizable Coverage

Pet insurance plans can be customized to fit your pet's needs and your budget. You can choose between accident-only coverage or comprehensive plans that include accidents and illnesses. Additionally, you can add preventive care coverage for routine vet visits and procedures. This flexibility ensures that you can find a plan that suits your pet's specific health requirements while staying within your financial means.

Reimbursement for a Range of Expenses

Pet insurance covers a wide range of expenses, including emergency care, diagnostic testing, specialist visits, surgeries, prescription medications, and more. It also provides coverage for chronic conditions, hereditary conditions, and end-of-life care. By reimbursing you for these expenses, pet insurance helps to ensure that your pet receives the necessary care without placing a strain on your finances.

Protection Against Rising Veterinary Costs

The cost of veterinary services is increasing. Data shows that the cost of treating a broken bone has risen by 16% year-over-year for dogs and 6% for cats. By having pet insurance, you can protect yourself from these rising costs and ensure that your pet receives the care they need without breaking the bank.

Discounts and Savings

Progressive Pet Insurance offers various discounts and savings opportunities. For example, you can save 5% on a BestBenefit policy when you quote through Progressive, and an additional 5% if you insure more than one pet. These discounts make pet insurance even more financially attractive and help you maximize your savings.

Frequently asked questions