Farmers Pet Insurance Review


  • Farmers pet insurance is best for pet owners already using Farmers insurance for other aspects of their life.
  • Farmers pet insurance has comprehensive coverage at affordable prices which include a variety of options
  • The Farmer’s pet insurance is provided through Pets Best. They offer three standard plans — the Essential Plan, the Plus Plan, and the Best Benefit Plan

Farmers offers simple, standard pet insurance plans for both cats and dogs through their partner Pets Best. Like traditional Pets Best plans, they’re complete with comprehensive coverage and affordable premiums.

Comprehensive coverage optionsAllows pets of any ageFlat rates for Accident Only plans; affordable options for other plans5% multi-pet discountDiscounts are not available in Arkansas, Florida, Hawaii, and Tennessee

Bottom Line: Farmers pet insurance is best for pet owners already using Farmers insurance for other aspects of their life.

Pet Insurance Plans Offered by Farmers

Farmers pet insurance is provided through Pets Best. They offer three standard plans — the Essential Plan, the Plus Plan, and the BestBenefit Plan — and two optional wellness care add-ons.

Farmers’ Three Standard Plans

The Essential Plan covers up to $5,000 in bills for basic accidents and illnesses such as broken bones, surgery, and diabetes. The Plus Plan covers up to $10,000 in accidents and illnesses, including additional costs such as exam fees and alternative therapies.

The BestBenefit Plan, the most comprehensive of the three, has unlimited annual coverage. It covers all accidents and illnesses including testing, prescription medication, physical rehabilitation, and more.

Optional Wellness Add-Ons

Farmers offers two optional Wellness Routine Care add-ons — the Essential Wellness Plan and the Best Wellness Plan.

The Essential Wellness Plan covers costs such as spaying/neutering procedures, blood work, heartworm testing, and routine care, up to $305 per year. The Best Wellness Plan covers the same items, plus an additional $150 toward dental cleanings.

What Isn’t Covered With Farmers Pet Insurance?

Like other pet insurance companies, Farmers does not cover pre-existing conditions. Their standard policies also don’t cover:

  • Wellness and preventative care
  • Cosmetic and elective procedures
  • Deworming
  • Grooming
  • Parasite control

Coverage Levels and Reimbursement Options

When you purchase a Farmers pet insurance policy, you’ll need to choose a deductible between $50 and $1,000. The lower your deductible, the higher your premium is likely to be, and vice versa. You’ll also be able to select a reimbursement level, ranging from 70-90%.

Your plan will have a pre-assigned annual maximum reimbursement, so you won’t be able to choose that. Those will be as follows:

  • Essential Plan: $5,000 annual limit
  • Plus Plan: $10,000 annual limit
  • BestBenefit Plan: Unlimited

Coverage Example

Let’s say your pup needs surgery. You get hit with a $5,000 vet bill. Here’s how your bill would be calculated if you had the Plus Plan with a 70% reimbursement level and a $500 deductible:

This is Fido’s first medical expense, so you haven’t touched your deductible amount just yet.

$5,000 bill – $500 deductible = $4,500 remaining

$4,500 remaining bill x 70% reimbursement = $3,150 (what the insurance company covers)

$5,000 total bill – $3,150 covered by insurance = $1,850

In this case, Farmers would cover $3,150 and you’d owe the remaining $1,850.

Farmers’ Coverage Levels

With Farmers pet insurance, you can choose between 70% to 90% reimbursement levels.

Farmers’ Deductible Options

You can choose between a $50 to $1,000 deductible.

How Much Does Farmers Pet Insurance Cost?

Unlike many other pet insurance providers, Farmers’ Accident Only plan has a fixed cost for pets of all ages and breeds — $6 per month for cats and $9 per month for dogs. If you live in Washington, the rate will be a bit higher — $7 for cats and $10 for dogs. For their other plans, your premium will depend on your pet’s age, breed, and location.

Farmers’ rates mimic those of Pets Best, given that they are their partner. So, here are a few sample rates for a Pets Best policy for male pets in Dallas, Texas.

Type of PetAge of PetCost for the Standard Accident Only Plan
Unlimited coverage, $200 deductible, and 80% reimbursement rate
Cost for an Accident + Illness Plan
$10,000 annual coverage, $250 deductible, and 90% reimbursement rate
Cost for an Accident + Illness Plan + Wellness Add On
Labrador Retriever8-week old puppy$9.00$65.00$68.00
French Bulldog8-week old puppy$9.00$107.00$112.00
Golden Retriever8-week old puppy$9.00$66.00$69.00
German Shepherd8-week old puppy$9.00$58.00$61.00
Poodle8-week old puppy$9.00$39.00$41.00
Exotic Shorthair Cats8-week-old kitten$6.00$29.00$30.00

Farmers also offers a 5% discount for insuring multiple pets or a military service pet. However, discounts are not available in Arkansas, Florida, Hawaii, or Tennessee.

What Are The Waiting Periods For Coverage?

After purchasing a policy from Farmers, you’ll have a waiting period before your coverage kicks in. Farmers has the following waiting periods:

  • 3 days for accidents
  • 14 days for illnesses
  • 6 months for cruciate ligament events

FAQs About Farmers Pet Insurance

The following are some of the most common questions about Farmers pet insurance.

Does Farmers Offer A Wellness Plan?

Farmers offers two optional Wellness Routine Care add-ons.

Does Farmers Cover Pre-Existing Conditions?

No. Like many pet insurers, Farmers does not cover pre-existing conditions.

Does Farmers Cover Dental Cleaning?

Farmers’ standard plans don’t cover dental cleaning, but their optional Best Wellness Plan add-on does.

Does Farmers Cover Spaying Or Neutering?

Farmers standard plans don’t cover the cost to spay or neuter your pet, but their Wellness Routine Care add-ons do.

Does Farmers Cover Hip Dysplasia?

Yes, Farmers covers hip dysplasia.

Does Farmers Cover Euthanasia?

Euthanasia, for humane reasons only, is covered under the BestBenefit plan. It is not covered under the other standard plans.

Does Farmers Have Any Coverage Limits?

Farmers covers up to 90% of eligible expenses.

Is Farmers Accepted By Every Vet?

Yes. You can take your pet to any licensed vet within the United States and Canada.

Does Farmers Pay The Vet Directly?

All Pets Best plans have an optional claims reimbursement feature that allows vets to receive direct payment. While Farmers doesn’t explicitly state whether they allow for direct payment, their partner Pets Best does, so it’s likely that Farmers plans do as well.

How Do I File A Claim With Farmers?

To file a claim with Farmers, simply submit a receipt from the vet visit through the Pets Best website or mobile app. The platform will then guide you through the process of properly submitting a claim.

How Long Does It Take Farmers To Pay Out?

While Farmers doesn’t explicitly state how long the claims process takes, some report around 7 to 14 days to be reimbursed.

How Do I Cancel A Policy From Farmers?

Farmers requires all policies to be canceled over the phone. So, you’ll need to contact them directly via their customer service line.

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Grace Lemire

Grace is a lover of pups and personal finance. She’s passionate about helping people navigate the financial side of life decisions — from budgeting for a furry friend to making decisions about pet insurance.