State Farm Pet Insurance: Unveiling Costs & Coverage in 2024

While you might know State Farm for keeping your car and home protected, they’ve also got your furry friend covered! State Farm partners with Trupanion, a pet insurance provider that we at InsureGuide really like (they’re actually our top pick!), to offer pet insurance plans.

State Farm Pet Insurance: What You Need to Know

At Insureguide, we’ve thoroughly reviewed State Farm pet insurance, which is actually administered by Trupanion, a highly-rated pet insurance provider (4.2 out of 5 stars). Trupanion is known for its excellent customer service and commitment to transparency. This means they won’t raise your rates based on your pet’s age or how many claims you file.

State Farm pet insurance plans reimburse you for 90% of your pet’s covered veterinary expenses. They also offer a convenient feature called “vet direct pay” where participating vets can process your claim right at checkout. This means you’ll only pay your 10% co-insurance at the vet’s office, making it easier to manage unexpected bills.

However, it’s important to note that State Farm pet insurance plans are on the pricier side. While the plans are simple to understand (not many customization options), this also means you have less flexibility to lower your monthly costs over time. Premiums typically increase with each policy renewal due to inflation and market trends.

In summary:

  • State Farm pet insurance is actually provided by Trupanion, a reputable pet insurance company.
  • You’ll get 90% reimbursement for covered vet bills and excellent customer service.
  • The “vet direct pay” option makes paying for vet visits easier.
  • Be prepared for higher premiums compared to other providers.
  • Limited plan customization options may not be ideal for everyone.

State Farm Pet Insurance: Pros and Cons Explained for Pet Owners

State Farm pet insurance offers a range of benefits, but it’s important to weigh them against some drawbacks before you decide. Here’s a breakdown of the pros and cons to help you make an informed choice:


  • Convenience: Apply online or through your trusted State Farm agent.
  • Manageable costs for chronic conditions: The per-condition deductible means you only pay the deductible once per illness, not every year. This can be a big advantage if your pet has a recurring health issue.
  • Streamlined payments: Many veterinary hospitals participate in State Farm’s direct pay network, so you won’t have to pay upfront and wait for reimbursement.
  • Peace of mind with unlimited coverage: All State Farm pet insurance plans offer unlimited payouts for covered expenses throughout your pet’s life. Plus, you get reimbursed 90% of those costs.
  • Always there for you: State Farm boasts responsive 24/7 customer service, so you can get help whenever you need it.


  • Claims through Trupanion: While State Farm sells the policy, Trupanion actually handles the claims process. You’ll need to file claims directly with them.
  • Potentially high premiums: Unlimited coverage can come at a cost. Be prepared for potentially higher premiums compared to plans with payout limits.
  • No wellness coverage: If you’re looking for a plan that covers routine checkups and preventive care, State Farm doesn’t offer that as part of their pet insurance.

State Farm Pet Insurance Rating Breakdown

This table summarizes State Farm pet insurance’s strengths and weaknesses based on our [invalid URL removed] methodology. We award points in various categories to determine an overall rating.

CategoryInsureGuide Rating (out of 5)Description
Plans & Coverage5State Farm offers comprehensive coverage through Trupanion, including unlimited annual payouts and a wide range of covered treatments.
Customer Experience5Trupanion, State Farm’s pet insurance provider, boasts high customer satisfaction.
Cost3While plans are customizable, monthly premiums might be higher than some competitors.
ReputationN/AThis rating isn’t included in our methodology as State Farm partners with Trupanion for pet insurance.
Waiting PeriodsN/ACompany doesn’t include waiting periods in its core rating system, so a specific score isn’t available here. Be sure to check State Farm/Trupanion’s waiting period details when considering a plan.
Custom Coverage Levels3.3State Farm offers some flexibility in choosing reimbursement percentages, but customization options might be more limited compared to some other insurers.

Convenience for Existing State Farm Customers

If you’re already a State Farm customer, you have a handy advantage! You can sign up for pet insurance directly with your local State Farm agent. This can be a big perk, as your agent likely already understands your specific insurance needs and budget.

However, it’s important to note that State Farm doesn’t directly provide pet insurance themselves. When you talk to your agent, they’ll actually redirect you to Trupanion’s website to complete the enrollment process.

The good news is that your State Farm agent can still be a valuable resource. They can answer your questions about the plan’s coverage details and help you understand what’s included (and excluded). If your agent isn’t available, you can also get this information directly from Trupanion’s website, FAQs, or by calling their customer service department.

How much does State Farm pet insurance cost?

On average, State Farm pet insurance plans cost around $88 per month. This breaks down to $123 per month for dog insurance and $53 per month for cat insurance. It’s important to note that State Farm’s prices are generally higher than most other pet insurance providers. However, their plans offer some unique advantages, such as high reimbursements for veterinary bills, unlimited payouts on covered claims, and the convenience of vet direct pay, which means State Farm can pay your veterinarian directly.

The exact cost of your State Farm pet insurance plan will depend on several factors, including your location, your pet’s breed, age, and species.

Bundling your insurance with State Farm

State Farm policyholders may be eligible for a discount if they bundle their pet insurance with other State Farm policies, such as home or auto insurance. To find out if you qualify for a discount, contact your local State Farm agent.

Our Methodology for Determining Average Costs

To give you the most accurate picture of State Farm pet insurance costs, we obtained four sample quotes in each state: two quotes for dog insurance and two quotes for cat insurance. We then averaged the overall and pet-specific costs in each state to arrive at a national average price. The sample pets we used for quotes were:

  • A 5-year-old medium mixed-breed male dog
  • A 2-year-old female golden retriever
  • A 5-year-old mixed-breed male cat
  • A 2-year-old female Siamese cat

State Farm Pet Insurance Explained

Choosing pet insurance can be confusing, so we’ve created a simple guide to State Farm’s pet insurance plans. State Farm offers a single accident and illness plan, making it easy for you to decide if it’s the right fit for your furry friend. There are also optional add-on riders available for additional coverage, but the base plan doesn’t cover routine checkups or preventive care.

More: Top 10 Pet Insurance Companies (July 2024)

What’s Covered by State Farm’s Pet Insurance

State Farm’s accident and illness plan offers comprehensive coverage for a wide range of conditions, but there are some exclusions to be aware of. For instance, State Farm won’t cover pre-existing conditions, vet checkups, or preventive care. It’s also important to note that State Farm uses Trupanion’s coverage guidelines, so they may deny claims if you don’t follow your veterinarian’s recommendations for preventive care and treatment.

Here’s a breakdown of what State Farm’s base plan covers:

  • Chronic conditions like arthritis, diabetes, and allergies
  • Congenital conditions such as birth defects of the eyes, kidneys, or liver
  • Hereditary conditions including orthopedic diseases, cataracts, and breed-specific conditions
  • Illnesses such as infections, cancer, and digestive problems
  • Injuries like sprains, broken teeth, and fractures
  • Pregnancy and related whelping or queening costs

State Farm’s accident and illness plan also covers a variety of treatments, including:

  • Advanced dental procedures
  • Advanced imaging tests like MRIs and CT scans
  • Blood tests and urinalysis
  • Cancer treatment
  • Hospitalization for your pet’s recovery
  • Medications
  • X-rays and ultrasounds
  • Prescription food if recommended by your vet
  • Prosthetics and wheelchairs for your pet if needed
  • Surgical procedures
  • Vet-prescribed supplements

State Farm Offers Additional Coverage Options

State Farm offers optional add-on coverage that mirrors some of what Trupanion provides. With State Farm, you can choose to add coverage for things like breeding-related expenses, rehabilitation and recovery services, and even perks that can assist you as a pet owner.

Recovering Your Pet’s Health

While some alternative treatments might be covered by the base State Farm pet insurance plan, you can choose to add a rider to expand your options for these. This add-on might be a good fit for pet owners who are interested in alternative medicine or who would consider rehabilitation therapy after a serious injury. Here are some of the treatments covered by this rider:

  • Acupuncture
  • Behavioral therapy
  • Chiropractic care
  • Homeopathy
  • Hydrotherapy
  • Naturopathy
  • Rehabilitation therapy

The cost of this Recovery and Complementary Care add-on will vary depending on your overall plan cost, ranging from $10 to $$$60 per month.

Pet Owner Assistance Add-On

State Farm also offers a Pet Owner Assistance add-on for just $5 per month. This rider provides a variety of benefits that can help you in unexpected situations, including:

  • Reimbursement for boarding fees if your pet’s caregiver is hospitalized
  • Cremation or burial costs
  • Lost pet advertising and reward expenses
  • Coverage for liability if your pet damages someone else’s property
  • Reimbursement for a cancelled vacation if your pet has a covered illness

Finding the Right Deductible

State Farm lets you choose your deductible in small increments, so you can find the balance between your monthly premium and out-of-pocket costs. The deductible is the amount you’ll pay upfront before State Farm starts reimbursing you for covered veterinary expenses. With deductibles ranging from $0 to $1,000, you can pick an option that works for your budget.

How Much Will State Farm Reimburse?

State Farm reimburses 90% of your covered veterinary expenses after you pay your deductible. This means you’ll be responsible for 10% of the bill.

Unlimited Coverage for Your Pet’s Lifetime

Unlike some pet insurance plans that have annual coverage limits, State Farm offers unlimited coverage for your pet’s lifetime. This means you’ll never have to worry about running out of coverage, even if your pet has a chronic condition that requires ongoing treatment.

Signing Up for State Farm Pet Insurance

At InsureGuide, we want to make sure you understand everything about State Farm Pet Insurance. This guide will walk you through signing up, filing claims, and getting reimbursed quickly.

State Farm offers two ways to sign up for pet insurance:

  1. Talk to your local State Farm agent. This is a great option if you have questions or prefer face-to-face interaction.
  2. Use the State Farm website. This is a fast and easy option, but it will take you to Trupanion’s website to complete the enrollment. Here’s a tip: If you’re not already a State Farm customer or don’t want to bundle policies, consider buying directly through Trupanion to save an extra step.

Filing a Claim and Getting Reimbursed

State Farm uses Trupanion to administer pet insurance claims. Here’s how it works:

  • The preferred method: Use a veterinarian that participates with Trupanion. These vets can submit your claim electronically and get paid immediately. This is generally the fastest and most hassle-free way to get reimbursed.
  • If your vet doesn’t participate: You can still file a claim by calling Trupanion or uploading the necessary documents through your online account.

How Long Does Reimbursement Take?

State Farm advertises that 60% of claims are paid within 24 hours. However, online reviews suggest it can sometimes take several weeks. Our recommendation: If you can, use a participating veterinarian to get the fastest reimbursement.

State Farm Pet Insurance: Waiting Periods and Age Limits

State Farm’s waiting periods come into play depending on your pet’s condition. Accidents are covered after five days, while illnesses take 30 days before coverage kicks in. There’s no waiting period for orthopedic conditions, but it’s important to note that anything that happens before or during these waiting periods is considered pre-existing and won’t be covered in the future.

When it comes to enrolling your pet, there’s an age limit of 14 years. The good news is that State Farm’s premiums won’t increase based on your pet’s age, and coverage won’t decrease either. However, premiums do tend to go up over time, so it’s generally a good idea to enroll your pet when they’re young. This way, you can lock in a lower rate and get wider coverage before any pre-existing conditions develop. In fact, the younger your pet is when you enroll them, the better chance you have of getting a good deal and securing more comprehensive coverage. The bottom line? As soon as you know you’re welcoming a new furry member to the family, it’s a smart idea to contact State Farm about their pet insurance plans.

What State Farm Pet Insurance Customers Think

State Farm partners with Trupanion to deliver pet insurance policies. Because of this, it can be tricky to find reviews specifically for State Farm plans. However, looking at Trupanion reviews can give you a good idea of how customers feel about the overall coverage. Trupanion gets positive marks from customers, with a whopping 79% of Trustpilot reviews landing five stars. But there’s also a common complaint: rising costs that can make the perceived value of the policy go down.

What Customers Love About State Farm/Trupanion Pet Insurance

Here are some of the things customers appreciate about State Farm/Trupanion pet insurance:

  • Top-notch customer service: Customers rave about the 24/7 availability and helpfulness of the customer service team.
  • Easy online enrollment: Signing up for a policy is a breeze for some customers, thanks to the user-friendly website and helpful customer service reps.
  • Per-condition deductibles: For pets with chronic conditions, this feature can be a real money saver.
  • Pre-approval process: Knowing upfront if a treatment will be covered gives pet owners peace of mind and helps them make informed decisions.
  • Direct payments to vets: This feature makes paying for and filing claims a smooth process.

What Customers Don’t Like About State Farm/Trupanion Pet Insurance

While there are many happy customers, there are also some common gripes:

  • Coverage denials: Some reviewers mention having claims denied due to confusion about pre-existing conditions.
  • Slow reimbursements: Claims processing seems to be taking longer for some customers.
  • Pricing confusion: Some customers were misled by Trupanion’s pricing info, thinking they were locked into a set rate for life.
  • Price hikes: Price increases are normal for insurance, but some pet owners found the hikes to be too much to handle.
  • Poor perceived value: Some unhappy reviewers felt they paid premiums but received little payout when they filed claims.

We contacted State Farm for comment on these negative reviews, but haven’t heard back yet.

Key Takeaways

State Farm/Trupanion pet insurance offers some clear advantages, including excellent customer service, a user-friendly online platform, and features like per-condition deductibles and pre-approval for treatments. However, there are also downsides to consider, such as coverage denials, slow reimbursements, and rising costs that can make the plan seem less valuable over time.

If you’re thinking about getting pet insurance from State Farm, it’s important to weigh the pros and cons carefully. Be sure to understand the details of the plan, including waiting periods, coverage limitations, and how pricing works. Reading customer reviews can also be helpful, but keep in mind that these represent individual experiences. Ultimately, the decision of whether State Farm/Trupanion pet insurance is right for you depends on your specific needs and budget.

State Farm vs. Lemonade: Different Strokes for Different Folks

State Farm offers robust coverage with unlimited annual payouts and high reimbursement rates (up to 90%). This translates to excellent financial protection but typically comes with a higher monthly cost (around $123 for dogs and $53 for cats). Their customer service is also highly rated, making them a good choice if you value personalized support.

Lemonade, on the other hand, is all about affordability. Their plans start as low as $30 per month for dogs and $16 for cats, making them a great option for budget-conscious pet owners. You can customize your coverage by adding optional add-ons, but the base plan has lower reimbursement rates (70% to 90%) and annual limits ($5,000 to $100,000).

State Farm vs. Spot: Coverage Matters, But So Does Convenience

State Farm and Spot offer similar coverage levels with high reimbursement rates. However, Spot stands out by including exam fees in their base plan, which State Farm doesn’t cover.

State Farm makes up for this with their convenient direct payment option to vets, reducing your upfront costs. Ultimately, Spot caters to those who want maximum customization with a variety of plan options, while State Farm shines for those who prioritize 24/7 customer support and a simple, straightforward plan.

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How We Rate Pet Insurance Companies

At InsureGuide, we understand finding the right pet insurance can feel overwhelming. That’s why we take the guesswork out by thoroughly evaluating pet insurance providers based on what matters most to pet owners like you.

Here’s a breakdown of our process:

  • Survey Says: We surveyed 1,000 dog and cat owners across the US to pinpoint the key features you prioritize in pet insurance.
  • Deep Dive Research: We do our homework! This includes comparing coverage options, gathering online quotes for pricing, and reviewing customer service experiences from different providers.
  • Quote Extravaganza: To ensure a fair comparison, we obtained 17,338 pet insurance quotes! We looked at prices for various dog and cat breeds and ages (3 months to 8 years old) across all 50 states.
  • Scoring System: Each company goes through a rigorous scoring process (out of 100 points). This translates to a user-friendly 5-star rating system.

So, what exactly do we look for? Here are the key factors that influence our ratings:

  • Affordability (25%): We prioritize providers offering budget-friendly plans and multi-pet discounts.
  • Plan Variety (15%): The best companies cater to your needs with a range of plans, including accident & illness, accident-only, and wellness add-ons. We also value unlimited coverage options.
  • Comprehensive Coverage (15%): Based on our survey, coverage is king! Providers with extensive coverage options and unique features score higher than those with limited plans.
  • Customization Options (10%): Flexibility is key! We favor companies offering choices for annual limits, deductibles, and reimbursement rates to fit your budget.
  • Customer Service (10%): Your pet’s well-being deserves excellent service. We evaluate factors like website accessibility, customer service availability, mobile apps, money-back guarantees, and telehealth options.
  • Industry Reputation (10%): We consider a company’s experience, Better Business Bureau (BBB) ratings, and state availability to assess their standing.
  • Waiting Periods (10%): Nobody wants to wait during an emergency! Providers with shorter waiting periods for coverage to kick in receive higher marks.
  • Eligible Age (5%): Some companies have age limitations. We deduct points from those with restrictions on enrolling older pets.

The Bottom Line

State Farm provides excellent, comprehensive coverage with top-notch customer service, but at a higher cost. Lemonade offers a budget-friendly option with customizable add-ons, but with lower coverage limits. Spot strikes a balance with good coverage, exam fee inclusion, and some plan customization, but may not be the most affordable choice.

Consider your budget, desired level of coverage, and how much customization you need to make the best decision for your pet’s healthcare needs.

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