Farmers Pet Insurance Review (2024)
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Farmers is an insurance company that offers homeowners, renters, car, and life insurance. It’s also provided pet insurance since 2014. Farmers partners with Pets Best, a well-rated pet insurance company, to offer its policies.
We carefully researched the best pet insurance companies to determine which offer the most benefits to pet owners. We read hundreds of customer reviews, spoke to veterinarians, and surveyed 1,000 pet owners. See our review of what to expect when you get Farmers Insurance via Pets Best below.
How Did We Rate Farmers Pet Insurance?
We scored Farmers Pet Insurance 96.5 out of 100 based on our rigorous methodology. This high score reflects its positive partnership with Pets Best, a pet insurance provider with many attractive benefits. The company offers affordable plans with comprehensive pet insurance coverage, plus an optional add-on for routine wellness vet care. It has a 24/7 support line, an unlimited coverage option, and the convenient ability to pay your vet directly at checkout rather than filing a claim and waiting for reimbursement.
How Does Farmers Compare to Other Pet Insurance Providers?
| Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
|---|---|---|---|---|
| $33.69 | $13.32 | VISIT SITE | ||
| $38.44 | $21.53 | VISIT SITE | ||
| $65.15 | $53.43 | VISIT SITE | ||
| $20.76 | $18.47 | VISIT SITE | ||
| $44.83 | $24.68 | VISIT SITE | ||
| $16.32 | $10.82 | VISIT SITE | ||
| $49.85 | $26.55 | VISIT SITE | ||
| $44.79 | $16.36 | VISIT SITE |
How Much Does Farmers Pet Insurance Cost?
A Pets Best insurance plan through Farmers is priced competitively. Whereas most top providers price their plans at $20–$60 per month, you can get a Pets Best plan for less than $20 depending on your location and your pet’s species and breed.
The provider offers multiple options for deductibles, annual coverage limits, and reimbursement rates to control how much you pay.
- Deductibles: $50, $100, $200, $250, $500, $1,000
- Annual coverage limits: $5,000, unlimited
- Reimbursement rates: 70%, 80%, 90%
Though you have a limited choice between annual limits, one of the two options is unlimited coverage, which offers a lot of value considering Pets Best’s low price. The company’s reimbursement rates are standard for the industry, but the number and dollar amount of deductible options is impressive.
Farmers Sample Pricing Premiums
Here’s what you can expect to pay for common breeds across Pets Best’s three plan tiers:
| Plan | Medium Mixed Dog | Golden Retriever | Yorkshire Terrier | Domestic Medium Hair Cat |
|---|---|---|---|---|
|
Essential BestBenefit Plan |
$16.32 |
$26.72 |
$17.00 |
$10.82 |
|
Plus BestBenefit Plan |
$19.04 |
$31.17 |
$19.84 |
$12.63 |
|
Elite BestBenefit Plan |
$19.92 |
$32.62 |
$20.76 |
$13.22 |
Does Farmer Pet Insurance Offer Discounts?
You can get a 5% multi-pet discount when you insure multiple pets with Farmers. Active military members can also get a 5% discount, though this discount isn’t available in Alaska, Hawaii, or Tennessee. Get another 5% off for purchasing a renters insurance policy through Toggle.
What Plans and Coverage Does Farmers Pet Insurance Offer?
Farmers offers a comprehensive accident-and-illness plan through Pets Best: the BestBenefit plan. You can use this plan to cover vet treatments for common accidents and illnesses pets face, such as vet exams, surgeries, hospitalization, emergency care, lab testing, prescription medications, and more.
The Pets Best BestBenefit plan provides three coverage and pricing options you can choose from depending on your pet’s needs:
- Essential: The Essential tier includes basic coverage for accidents, illnesses, cancer, hereditary conditions, emergency care, surgeries, and prescribed medication.
- Plus: The Plus plan includes everything in the Essential plan, plus exam fees associated with diagnosing your pet for an eligible disease or injury.
- Elite: The Elite plan covers everything in the Essential and Plus plans, plus rehabilitation, acupuncture, and chiropractic care. This option is the most comprehensive. It’s typically only a couple of dollars more per month than the Plus option.
Pets Best also provides an accident-only plan. You can choose this option for a lower monthly premium, but your pet will only be covered for accident-related issues, not illnesses.
Preventive Care
You can also take advantage of Pets Best’s preventive plans through Farmers. Customers can add a preventive plan to their standard accident-and-illness plan for an additional monthly fee to cover routine wellness care such as annual checkups, vaccinations, spaying and neutering, parasite prevention, and more.
The EssentialWellness plan covers the following care for $16 per month:
The BestWellness plan covers the same but at a higher amount per treatment for $26 per month.
What Are Farmers Pet Insurance Coverage Exclusions?
No pet insurance provider covers everything. Like many providers, Pets Best doesn’t cover preexisting conditions, though it makes exceptions for curable conditions such as a broken bone or kennel cough since these can heal and require no further treatment.
Additional exclusions include the following:
- Any service not performed under the supervision of a licensed vet
- Elective procedures such as declawing and ear cropping
- Herbal therapies or medications
- Non-veterinary expenses such as waste disposal or transportation
- Parasites (unless you add a wellness plan)
- Preventive care and procedures (unless you add a wellness plan)
- Special diets
- Vitamins and supplements
Where is Farmers Pet Insurance Available?
Farmers provides pet insurance nationwide. No state is excluded.
Find the Best Pet Insurance in Your State
How Do Customers View Farmers Pet Insurance?
Since the pet insurance plan you get through Farmers is actually through Pets Best, we analyzed customer reviews for the latter. Pets Best has an A+ rating with the Better Business Bureau (BBB) and many positive reviews.* Most negative reviews are about denied claims. This may be due to customers misunderstanding policy terms, as Pets Best’s sample policy details exactly what it does and doesn’t cover.
“As a dog breeder for 15 years, I have always supplied a health guarantee with my puppies along with encouraging buyers to get health insurance on their dogs. Now retired from breeding, I have taken out a policy on my keeper pup. Pets Best’s easy online way for me to upload vet notes and claims make the process seamless and I am very impressed with how easy it is to correspond with an agent via telephone to answer questions and concerns. Highly recommend this company.”
Cynthia R.
“They will find one million excuses to deny your claim. Not a reliable insurance.”
Ray R.
“Wonderful company! I have had 2 claims paid back quickly. Glad I purchased it when my dog was a puppy.”
Amber B.
“I have had this insurance for my dog for 3 years and they ALWAYS find a reason not to pay. For instance, my dog got a hot spot and they denied the claim because she had one previous to when I got her.”
Lynn S.
*BBB rating is accurate as of February 2023.
Is Farmers Pet Insurance Worth It?
Farmers Insurance has helped customers for nearly 100 years, and its pet insurance partner, Pets Best, is a reputable and well-liked company. Before enrolling in a policy from any pet insurance provider, we recommend carefully reading the company’s site and sample policy to understand plans, coverage, exclusions, and costs. We also suggest checking BBB scores and reading customer reviews. Finally, you should get a quote to see what you’ll pay per month for a plan.
Though Pets Best is a good option, there are many popular pet insurance providers to choose from. Check out other companies that score well on our list, such as Lemonade, Spot, Embrace, and Healthy Paws.
FAQs About Farmers Pet Insurance
Is Farmers good at paying claims?
According to Farmers’ online reputation and customer reviews, it handles claims quickly with generally positive customer satisfaction. As long as your claim adheres to your policy’s terms, it should be reimbursed according to your contract.
Does Farmers Insurance have a good reputation?
Yes, Farmers Insurance has a good reputation. The company has an A rating with the Better Business Bureau and has served pet owners for nearly 10 years. Pets Best, who Farmers partners with for pet insurance, has an A+ rating on the site with many positive customer reviews.
Is it worth getting pet insurance for dogs?
Many dog owners feel that pet insurance is worth it. It comes down to whether you want to pay for your dog’s care now or later. You can pay for a pet insurance plan now to ensure your dog’s vet bills will be covered if it gets injured or sick, or you can pay more down the road to cover the vet bill yourself. Check out our list of cheapest pet insurance companies if cost is a concern.
What are the disadvantages of pet insurance?
There’s really no disadvantage to having pet insurance coverage other than having to pay a monthly fee for it. However, many pet owners find it better to pay monthly for a pet insurance plan that will reimburse their vet bills than to pay a large sum out of pocket for an unexpected vet bill if their pet gets sick or injured.
Do farmers have insurance on animals?
Pet insurance is available for more than just dogs and cats. You can get a pet insurance policy for an array of species, including livestock.
Our Rating Methodology
We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.
