If your cat or dog is sick or injured, progressive pet insurance will cover your veterinarian bills and any prescribed medications, as well as any related surgeries. With progressive pet insurance, you are usually entitled to use any local licensed veterinarian, even emergency and specialty clinics. As long as your pet is kept current with vaccinations and has had any required procedures, the insurance company will pay for most of these treatments. The main thing to keep in mind is that the coverage amounts will be different depending on the age and breed of your pet. Be sure to get all your facts before buying progressive pet insurance.
Progressive Pet Insurance, together with several other insurance companies, offers pet health insurance plans in the United States. In the beginning these insurance plans were primarily offered in the United States, but now many of these companies have international expansion plans. Unfortunately the premiums that Progressive offers in the United States are higher than that of some other companies. Luckily United States citizens tend to have a more favorable view of Progressive than Canadians or Europeans. This is because United States consumers have a high expectation of Progressive and they like to see progressive pet insurance plans offered in their country too.
Some of the things that affect your Progressive pet insurance premium are the type of pet you have, the age of your pet, and the breed. If you have an extremely large, heavy breed, then you may end up paying a higher premium. Also, if you have a very young cat or puppy, then you will probably pay less in insurance premiums. People with pre-existing illness conditions will also usually have to pay a higher premium for coverage. This means that people who have had cancer, heart problems, and diabetes are going to pay more for their coverage.
Another factor in Progressive's pricing structure is the "comprehensive plan." These comprehensive plans cover all of the aspects of medical care for your pet, as well as some of the elements of preventative care. Your veterinarian will be able to recommend which elements of your comprehensive plan are the most important for your pet, and will explain everything to you in great detail. However, it can be difficult to determine whether or not your pet will need all of these items. For example, if your dog has only been diagnosed with a mild case of fleas this past summer, then a comprehensive plan might cover only part of his regular veterinary care.
Finally, there are two types of Progressive pet health policies. There are the Standard Plan and the Professional Plan. The Standard Plan covers most aspects of pet healthcare, including preventative care, basic annual exams, licensed veterinary treatment, and major accidents. The Professional Plan includes additional services such as booster vaccinations, annual exams, annual medications, and critical illnesses and accidents.
When it comes to the deductible, this is the amount that your pet insurer must pay out of his own pocket before your pet is covered. The deductible amount will vary between Progressive pet insurance plans, so it's important to read the policy carefully. The deductible is an amount that must be paid by you, the owner, before your pet is covered. You can reduce your deductible by increasing the total cost of annual vet bills, or by paying an upfront deposit with your pet insurer.
One important benefit of the Progressive pet insurance plan is preventive care. In years past, many dogs and cats suffered from severe illnesses because they were not vaccinated against common childhood illnesses. Now, Progressive provides coverage for all of the major diseases and ailments, as well as many other less common ones. This includes everything from birth defects, to cancer, to congenital conditions, to dental cleanings. Your dog or cat will be covered regardless of the breed, or age of your pet.
The Pet Insurance Plan from Progressive is backed by a network of veterinarians who embrace the veterinary practices of the American Association of Housecall Veterinarians, which has over thirty members. The plans are offered nationwide through independent brokers and will cover most if not all of your pet's medical needs. Each member of this network embraces a rigorous set of guidelines when it comes to screening and confirming policies. If you have a question about your pet's health, the claims department will be able to answer any questions you might have, or refer you to an appropriate staff for more information. Because it is administered by a national board of licensed veterinary surgeons, the policies are backed by a network of experts in the veterinary field.
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