Pet Coverage?

My mother received the following letter from her car insurance company.

Pet Injury Coverage Endorsement
Your Auto policy is amended as follows:
If you have purchased Collision Coverage for at least one covered auto under your policy and your pet sustains injury or death as a result of a collision involving any covered auto or non-owned auto, we will pay up to $500 for:
1.  reasonable and customary costs incurred by you or a relative for veterinary fees arising from such collision; or
2.  your pet's replacement cost if your pet dies in the accident.

Pet Injury Coverage applies only if your pet is inside the covered auto or non-owned auto at the time of the collision.

Additional Definitions
The following definitions apply to this coverage:
1. "Your pet" means any dog or cat owned by you or a relative.
2. "Your pet's replacement cost" means the cost to replace the deceased dog or cat with one of like kind and quality.  It does not include any amounts for veterinary bills, training, or any other amounts other than the cost to replace the pet itself.

Limits of Liability
The most we will pay for all damages under Pet Injury Coverage with respect to any one accident is a total of $500 regardless of the number of dogs or cats that are injured or die in that accident.  The following additional provisions apply:
1.  If your pet is injured as a result of a covered accident, we will pay for all necessary medications and procedures prescribed by your pet's veterinarian for treatment of such covered injury.
2.  If your pet dies in a covered accident, we will pay your pet's replacement cost whether your pet is actually replaced or not.
3.  No deductible shall apply to this coverage.

Mom:  "This is Progressive."
Me:   "Yes. Yes, it is."