Trupanion vs Progressive

Trupanion has robust coverage and plan simplicity. Progressive plans are complex and restrict coverage.

Trupanion keeps things simple with a single, straightforward plan that covers new injuries and illnesses, including hereditary and congenital issues, surgeries, medications, stem cell treatments, supplements, and even helps out with prescription food costs. There are no payout limits—your pet is covered for life, no matter how much care they need.

In contrast, Progressive offers a range of tiered plans, which vary in the coverage of exam fees, rehabilitation, acupuncture, and chiropractic care. Not all plans cover prescription medications, and their coverage for prescription food or supplements is lacking. And some plans impose annual benefit caps unless you pay extra for unlimited coverage. With so many tiers and options, it can be difficult to know if you’ve selected the right plan for your pet.

Trupanion's deductible is smarter and can save you money over time. 

With Trupanion, you only need to meet your deductible once per condition over your pet’s lifetime, which can lead to significant savings if your pet develops a chronic or recurring issue. Progressive uses an annual deductible, so you’ll have to pay it every year your pet needs care for the same condition.

Trupanion offers true VetDirect Pay™. Progressive does not.

One of the most convenient features of Trupanion is our VetDirect Pay™, which pays your veterinarian directly at checkout, and 80% of these claims are paid within 5 minutes through our Vet Portal. This means no waiting for reimbursement and no paperwork for you to manage. Progressive, by comparison, requires you to pay your vet up front and then go through a cumbersome reimbursement process—filling out forms, getting signatures, and submitting through their customer portal, fax, or mail. Their “direct pay” option is limited, it requires your veterinarian's approval and your signed reimbursement release form to be submitted with the claim. The process involves completing the form, getting your vet's signature, and then submitting it with your claim; once the claim is processed, the reimbursement amount is sent to the vet's office .This can be stressful in emergency or urgent situations.

Your costs with Trupanion are more predictable and fair.

Trupanion is priced for the life of your pet, with no sudden “birthday pricing” increases or deductible changes just because your pet gets older. Progressive, on the other hand, raises premiums as your pet ages, which can punish loyal members and older pets.

Trupanion focuses on real insurance and big needs. Progressive distracts with wellness add-ons.

Trupanion believes veterinarians are best positioned to provide wellness care, so we focus on helping pet parents budget for unexpected, significant costs, not routine expenses. Progressive tries to cross-sell wellness add-ons, but these have strict limits and don’t solve the real purpose of insurance.