Progressive Insurance: Pet Injury Coverage is a Really Good Deal

Are we there yet?

Are we there yet?

To our knowledge, the Progressive Insurance Company is the only major U.S. insurer that offers Pet Injury Insurance for free. Of course it really isn’t completely free, but it still seems to be a really good deal. Instead, it is automatically included in the policy holder’s collision coverage (on a Progressive policy). The coverage also only applies to cats and dogs; not birds, reptiles or anything else you care to call a pet.

The amount of coverage is up to $1,000.00 for a cat or dog if the pet is injured (or unfortunately killed) in a car accident, car fire or car theft. This is if the pet was a passenger in the car at the time. This is not to be confused with pet insurance, which would cover a pet in the event of any illness or injury and may have co-pays and deductibles.

Not only is the policy holder’s pet covered as a passenger, but so is any dog or cat owned by a relative who lives with the policy-holder.

The coverage works just as medical payment or personal injury protection coverages would apply to an injured person in the policy-holder’s vehicle; the money is paid (up to the policy limit) towards veterinary bills.

There is no additional charge for having the Pet Injury Coverage on your Progressive policy; it is automatically built in to the collision coverage whether you choose to use or not, or even whether or not you have a cat or dog. If you do, it's a boon.

As of early 2012, Progressive’s Pet Injury Coverage was available in all states but for New Hampshire or North Carolina.

If you have or have had a Progressive Insurance policy and have needed to use the Pet Injury Coverage, our readers would benefit from hearing about your experience. Please click on the invitation below and share your story or review.

This article is written for informational purposes and is not intended to take the place of competent local legal counsel. This website does not endorse any particular insurance company over another.

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Jan 28, 2012
Sounds like a great deal
by: T. Collins

Wow - how can you argue with a free coverage (if you already have the collision coverage with Progressive). There doesn't appear to be a limit on the amount of pets either; just that they have to be a cat or dog. Great.

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