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Progressive Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

Progressive Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

Do you want to learn more about the differences between Progressive Pet Insurance plans and Spot plans? Pet insurance can help when our pets get sick or injured. It reimburses policyholders for eligible vet bills. There are several illnesses like cataracts, skin infections, hip dysplasia, elbow dysplasia, GDV, cherry-eye, IBD, etc. which can affect our pets. We might be able to control where our pets go and what they do most of the time, but we can’t control how and when these illnesses will affect our pets. This is when accident & illness pet insurance helps on a rainy day.

Buying some types of auto insurance is the law in most states. However, pet insurance is elective, so many don’t think about it until their pet needs pricy emergency care. But which kind of pet insurance coverage do you need? What does pet insurance cost?

We will be on that helpline; let’s chat about pet insurance policies.

Selecting the right pet insurance coverage for your pet is anything but easy, which is why we will help simplify some info about offerings for pet health insurance. If you have Progressive Insurance, you might be wondering, does progressive offer pet insurance? And if so, is a Progressive Pet Insurance plan my only plan option?

If you’d like to learn more about the pet insurance plans that Progressive offers compared to Spot Pet Insurance plans, you are in the right place.

Competitor Comparison

 
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Preventive Care

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Multi Pet Discount

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Microchip

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Dental Illness

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Hereditary & Congenital Conditions

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Specialists

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One Annual Deductible

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No Upper Age Limit

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Chronic Conditions

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Behavioral Issues

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Alternative Therapies

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30-Day Money Back Guarantee

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Exam Fees

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Prescription Foods

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Progressive

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Preventive Care

Treatment for the purposes of avoiding an illness or injury or for the promotion of general heath, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea/heartworm prevention, fecal and blood test, and more! Spot provides options to add preventive care coverage for extra monthly costs.

Multi Pet Discount

Insure one, discount the rest. Spot plans provide a 10% multi-pet discount for every additional pet insured. *Liberty Mutual gives 5% discount for first additional pet, and 10% for 3 or more.

Microchip

Your core policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal. *With Pets Best, Prudent Pet, Embrace, Geico and Trupanion, an additional monthly fee is required. *Included in Nationwide's and Liberty Mutual's Wellness packages for an additional monthly cost.

Dental Illness

Spot plans cover dental illnesses if you enroll in an accident & illness plan, and Spot plans cover tooth extractions for accidents.

Hereditary & Congenital Conditions

This coverage is for the costs of eligible inherited illnesses and that don't show symptoms until later in your pet's life, like heart disease, IVDD, eye disorders, and hip dysplasia. *Healthy Paws does cover hereditary conditions, though pets enrolled after age 6 are not eligible for hip dysplasia coverage. *With Embrace, pets enrolled after age 6 are not eligible for hip dysplasia coverage. *Pawp covers hereditary and Congenital conditions only related to life-threatening emergencies.

Specialists

Spot understands the importance of timing, which is why we’re proud to offer you plans with coverage at any licensed vet, emergency clinic or specialist in the US.

One Annual Deductible

Spot plans allow you to select from a range of annual deductible amounts. Once you meet your annual deductible, Spot plans will reimburse a percentage of covered expenses, according to the reimbursement percentage you select, up to your annual limit.

No Upper Age Limit

Tired of being told no? Spot plans don't place an upper age limit on coverage. *With Nationwide, only pets 10 years of age or younger may enroll in a Major Medical Plan. *With Embrace and USAA, pets of any age can be insured but pets 15+ are restricted to enrolling in new accident-only plans. *** "No upper age limit*** data in table with "Y" means pets are covered and can enroll in a new plan regardless of old age. "N" means there is a maximum age to enroll or be insured.

Chronic Conditions

These are accidents & illnesses that need care across multiple plan period, such as diabetes and cancer. With accident & illness pet insurance plans provided by Spot, you don't have to worry about a condition becoming ineligible for coverage just because it is ongoing.

Behavioral Issues

This coverage can help with eligible costs for veterinary visits for concerning behavioral issues that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of home. *Trupanion behavioral issues coverage are available for an additional cost. *Fetch only covers up to $1k towards behavioral issues each year. *Metlife coverage available for an additional cost.

Alternative Therapies

There are all sorts of alternative therapies now involved for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot plans can reimburse you for alternative therapies your pet might need to treat a covered condition.

30-Day Money Back Guarantee

Take the time to understand if this service is for you and your furry pal. Test it out and determine if it’s right for you with our 30-day money back guarantee. *30-day money back guarantee only available if no claims have been covered. Not available in NY.

Exam Fees

Once your deductible is met, exam fees for accidents and illnesses related to covered conditions are covered. Annual physical exam fees are not covered. *With Figo, Prudent Pet, Liberty Mutual, and Pets Best, an additional monthly fee is required. *With Pawp, Exam Fees are only covered in life-threatening emergency situations, and only 1 emergency a year.

Prescription Foods

## Prescription Diets & Dietary Supplements A food that is prescribed by your veterinarian to treat a covered condition, with guaranteed analysis and safety standards. Spot plans don't cover the following prescription diets: treats, general health maintenance diets, weight loss diets, puppy or kitten diets, homemade diets, or raw food diets, even if prescribed or dispensed by your veterinarian. *Figo only covers food to treat bladder stones / crystals for up to 6 months *With Pets Best, an additional monthly fee is required. *Prudent Pet only covers prescription food costs to treat bladder stones and crystals for a limited time. *Fetch only covers prescription supplements, not prescription food. *Manypets covers prescription supplements, not prescription food.

Comparing Pet Insurance Plans

We’re happy to compare our pet insurance offerings to another competitor because we are confident in the plans we offer.

Here are some of the differences between Progressive Pet Insurance plans and Spot Pet Insurance plans.

  1. Spot Pet Insurance plans will cover supplements that your vet prescribes to treat covered conditions. Progressive Pet Insurance plans will not.

  2. Spot Pet plans offer a 10 percent multi-pet discount for all additional pets. Progressive plans’ discount is 5 percent.

  3. With Progressive Pet Insurance plans, you have to opt into exam coverage for covered conditions. Coverage for exam fees for covered conditions is included in Spot plans; no additional add-on fee is required.

Are you stressing about vet visits and the subsequent vet bills? Do you want to learn more about what differentiates Spot’s cat and dog insurance plan options from Progressive’s options?

Continue reading about the differences.

1. Spot Pet Insurance plans cover supplements that are prescribed to treat covered conditions.

Progressive Pet Insurance plans do not.

2. If you have multiple pets, Spot Pet Insurance offers a 10 percent multi-pet discount for all additional pets.

Are you the proud pet parent of multiple dogs or cats? If so, Spot Pet Insurance plans will give you a 10 percent multi-pet discount for all additional pets after the first. With Progressive Pet Insurance plans, you’ll get a 5 percent multi-pet discount.

3. Spot Pet Insurance plans cover exam fees for covered conditions; no additional add-on fee is required.

When you bring your pets in for an exam for an eligible accident or illness, you’ll have that covered by Spot Pet Insurance plan. With a pet insurance plan from Progressive, you will need to add the coverage to your base plan for an additional fee if you want it.

Peace of mind

With premium-quality pet insurance plans like Spot Pet Insurance plans, you can have help minimizing the financial risks involved with the unpredictability of being a pet owner.

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