Fetch vs. Progressive pet insurance: coverage comparison
How does Fetch Pet Insurance compare to Progressive pet insurance?
Fetch reimburses you for what Progressive doesn’t cover at all, making Fetch the better choice. See for yourself.
Progressive doesn’t cover dental illness. Fetch does.
Progressive doesn’t cover online vet visits. Fetch does.
Progressive doesn’t reimburse 100% on hundreds of qualifying pet meds.† Fetch does.
Fetch’s complete coverage includes what Progressive excludes
Progressive may be a big name in insurance, but when it comes to pet insurance, specifically, Fetch covers what Progressive does not. With Fetch, your dog or cat gets the most complete coverage for dental illnesses, online vet visits, physical therapy and a lot more that Progressive doesn’t offer.
 |  | |
|---|---|---|
Every tooth, plus gums |  | |
Online pharmacy. | | |
$1,000/yr. in online vet visits | | |
Use any vet in the U.S. & Canada | | |
Physical therapy | | |
Comparison of coverage is based on core policy coverage and the information is accurate as of Dec. 2025. All coverage is subject to policy limit.
Full-mouth dental, telehealth & physical therapy: what Progressive doesn't cover
Progressive doesn’t cover the most common disease in dogs & cats
Fetch covers injury and disease in all adult teeth and your pet’s gums. This includes periodontal disease, which is the most common disease in dogs and cats. Plus, you get full coverage for oral tumors, dental trauma and more.
Progressive’s dental coverage is limited to injuries from accidents. That means they don’t cover dental illnesses, including periodontal disease, and they don’t include endodontic treatments like root canals.
100% reimbursement on pet meds with Fetch Pet Rx†
With Fetch, you'll get 100% reimbursement on hundreds of qualifying pet medications when you order through our online pharmacy, Fetch Pet Rx..
Progressive doesn’t offer this. Fetch is the only pet insurance provider that pays you back 100% of the cost of your pet’s meds — with $0 copay — when you use Fetch Pet Rx.
Fetch reimburses you 100% for online vet visits with $0 deductible and $0 copay
Fetch covers remote telehealth treatment, so you can call, text, email or video chat with a licensed vet to get support. Online vet visits are covered up to $1,000 a year — no copay, no deductible, no additional costs.
Progressive doesn’t cover online vet visits at all.
Progressive doesn’t cover pets outside of the U.S.
Fetch covers pets in the U.S. and Canada.
Progressive does not have coverage outside of the U.S., so if you live in Canada (or are traveling there), your pet will not be covered.
Joe & Charley
Eye inflammation costs:
$4,731
Fetch paid back:
$3,517
Coverage for physical therapy is included with Fetch
Fetch’s complete coverage includes physical therapy, like massage, when administered by a vet.
Progressive doesn’t cover physical therapy (even if a vet recommends it).
Fetch has even more benefits you cannot get with Progressive
| | |
|---|---|---|
Vitamins & supplements | | |
Boarding fees1 | | |
$1,500+ in instant savings | | |
Covers pets of every | | |
Comparison of coverage is based on core policy coverage and the information is accurate as of Dec. 2025. All coverage is subject to policy limit.
Fetch gives you more coverage so you can give your pet a longer, healthier life
Coverage for vitamins & supplements is automatically included with Fetch
Fetch covers vitamins and other supplements when recommended by a vet to treat your pet’s illness or injury.
Progressive doesn’t cover vitamins or supplements, even when recommended by a vet.
Vitamins like B12 are often needed to manage chronic gastrointestinal illness in dogs and cats.
Fetch includes coverage for boarding fees
Should you require hospitalization for 4 days or more, Fetch covers up to $1,000 of your pet’s boarding fees at no extra cost.
Progressive doesn’t cover boarding fees, so if you’re ever hospitalized, you’ll likely need to pay someone else to take care of your pet.
Boarding a pet can cost up to
$185/night
Savings on everyday pet products & services to give your pet a longer, healthier life
Fetch Members get exclusive access to ongoing discounts on food, treats, training and more with Fetch Deals. Your savings start the day you enroll — no waiting.
Progressive doesn’t offer this.
Fetch Deals
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Food & treats
Essentials
Toys & more
Progressive excludes older pets from coverage
Fetch insures all pets 6 weeks and older with no upper age limits.
Progressive doesn’t cover dogs that are older than 11 or cats that are older than 13.
Progressive’s limited dental coverage could cost you thousands in vet bills
Both Fetch and Progressive cover dental, but Fetch is the only pet insurance that covers injury and disease in all adult teeth and your pet’s gums. Progressive only covers your pet’s teeth if they’re injured in an accident, which means you’ll have no coverage at all for periodontal disease, root canals and more. Incomplete dental coverage can cost your pet — and your wallet.
Up to 90% of dogs and cats have periodontal disease, according to Cornell University, and treating it can cost thousands of dollars. Fetch pays back up to 90% for gum disease, but Progressive won’t reimburse you at all for dental disease coverage.
Progressive also doesn’t reimburse you for endodontic treatments. These are procedures like root canals, caps, crowns and fillings. The average cost of a root canal is $3,140. With Fetch, endodontic treatments are included as part of your complete dental coverage.
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Curry
Periodontal disease costs:
$6,126
Fetch paid back:
$4,417
How pet insurance claims work
A pet insurance claim is the information about your pet’s treatment that you submit to your insurer for review. It includes an itemized invoice, the reason for your pet’s vet visit and the name and contact info of their vet. It’s fast and easy to get your claims reimbursed with Fetch.
1
You pay the vet
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Snap a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you’ve met your deductible, you'll get paid back up to 90% straight to your bank account via direct deposit.
Pet insurance cost: With Fetch, you’ll save more on meds, dental & telehealth than Progressive
When you get a pet insurance quote with Fetch or Progressive, you’ll be given options to customize the cost. With Fetch, you can choose the deductible, max annual payout and reimbursement rate that’s right for your pet and your budget. Your quoted price with Fetch might look more expensive than what you’d get with Progressive, but Progressive’s coverage exclusions could end up costing you a lot more in future vet bills.
Progressive won’t reimburse you for dental illness
Progressive’s accident-only limitations on dental coverage could cost you thousands of dollars if your pet needs treatment for gum disease, extensive dental surgery or other issues. Fetch gives you the most complete coverage for dental injuries and illnesses in every adult tooth.
Progressive doesn’t cover telehealth costs
With Fetch, you’re covered up to $1,000/yr. in online vet visits at no extra cost — with no copay and no deductible. Progressive won’t reimburse telehealth costs, so you won’t have coverage if you can’t travel to a vet or need to call the pet poison helpline — which costs $85 per incident.
You’ll save much more on your pet’s medications with Fetch
Fetch gives you 100% reimbursement for qualifying pet meds† when you use our online pharmacy, Fetch Pet Rx. Progressive doesn’t cover name-brand prescriptions if a generic version is available — even if your vet prescribes it. They also don’t cover vitamins & supplements (Fetch does).
You can add Wellness coverage to your plan with Fetch or Progressive
You can opt into preventive care with both Fetch and Progressive. When you add Fetch Wellness, you’ll get money back for the vet visits that help keep your pet healthy, including annual exams, vaccinations, dental cleanings and more. With coverage for both unexpected vet visits and routine care, you’ll have the total package for your pet’s health.
Read our 5-star reviews on Trustpilot
Fetch is rated ‘Excellent’ on Trustpilot with 4.6 stars (out of 5) from verified pet parents. Progressive only has a 1-star rating across all of their insurance products (including auto, home, pet, etc.).
Questions about how Fetch compares to Progressive, answered
How does Fetch Pet Insurance compare to Progressive pet insurance?
Does Progressive pet insurance cover dental?
Does Progressive offer pet insurance?
Does Fetch cover pre-existing conditions if I switch from Progressive?
Is Progressive pet insurance good in comparison to Fetch?
What is the best alternative to Progressive pet insurance?
