Pet

CONS

• • Progressive is a reseller, not the underwriter — claims, customer service, and policy administration are handled by Pets Best, which can create confusion when customers contact Progressive expecting direct support
• • 14-day waiting period for illnesses and a 6-month waiting period for cruciate ligament issues (standard Pets Best terms) — longer than some competitors like Trupanion (30-day illness, no cruciate-specific wait beyond that)

CONS

• • Pet insurance is not available in every U.S. state — coverage has historically been limited to a subset of states (notably absent in markets like Alaska, Hawaii, and Wyoming, among others)
• • Annual rate increases on renewal have been a recurring complaint in BBB and Trustpilot reviews, particularly as pets age

CONS

• • Underwriter and program administrator have changed over the years (e.g., transitions involving PTZ Insurance Agency and Independence American Insurance Company), which can create confusion for renewing policyholders
• • Per-incident and annual benefit caps on certain legacy plans have been reported as restrictive compared to newer unlimited-annual-limit competitors like Trupanion or Healthy Paws

CONS

• • Brand-licensing arrangement only — the ASPCA does not actually underwrite the policy; it licenses its name to Crum & Forster, which some consumers find misleading
• • Annual coverage caps are comparatively low, with maximums typically ranging from $3,000 to $10,000, while competitors like Healthy Paws and Trupanion offer unlimited annual benefits

CONS

• • Smaller, lesser-known brand compared to incumbents like Trupanion, Healthy Paws, and Nationwide — limited independent third-party data (no J.D. Power ranking and limited NAIC complaint history under its own name due to underwriter structure)
• • Standard 14-day waiting period for illnesses and a 6-month waiting period for cruciate ligament conditions, which is in line with — but not better than — industry norms

CONS

• • Underwriting and policy administration changed when MetLife acquired PetFirst in 2020, and legacy PetFirst customers reported renewal pricing and coverage changes — Trustpilot and BBB reviews skew negative on renewal premium increases
• • Does not offer a standalone wellness/routine-care plan in all states; preventive care is an optional add-on with relatively modest annual limits compared to specialists like Pets Best or ASPCA

CONS

• • Pre-existing excluded
• • Coverage limits

CONS

• • Pre-existing excluded
• • Coverage limits

CONS

• • Pre-existing excluded
• • Coverage limits

CONS

• • Pre-existing excluded
• • Coverage limits

CONS

• • Pre-existing excluded
• • Coverage limits

CONS

• • Pre-existing excluded
• • Coverage limits

CONS

• • Pre-existing excluded
• • Coverage limits

CONS

• • Pre-existing excluded
• • Coverage limits

CONS

• • Pre-existing excluded
• • Coverage limits

CONS

• • Pre-existing excluded
• • Coverage limits

CONS

• • Pre-existing excluded
• • Coverage limits