State Farm Pet Insurance Review 2024 (2024)

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Our Verdict

Our Verdict

State Farm has partnered with Trupanion to offer pet insurance. The plan has unlimited annual coverage, flexible reimbursement options and no deductible. It also pays your vet directly (if your vet has Trupanion’s software). But the plan lacks options other insurers offer, such as an optional wellness plan, a 24/7 pet health line and reimbursement for the vet exam fee.

Pros

  • No deductibles.
  • Your pet insurance does not increase as your pet gets older.
  • Flexible reimbursement options ranging from 50% to 100%.
  • No extended waiting period for problems such as hip dysplasia and cruciate ligament issues.
  • Pays your vet directly (if your vet has Trupanion’s software).

Cons

  • Does not cover vet exam fees.
  • Does not offer an optional wellness plan.
  • 12-day delay before your coverage is effective, some pet insurance companies offer shorter waiting periods before your coverage is effective.

State Farm Pet Insurance Review 2024 (1)

4.0

State Farm Pet Insurance Review 2024 (2)

Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

Unlimited

Reimbursement choices

50% to 100%

Deductible choices

No deductible

Table of Contents

  • State Farm Pet Insurance Plans and Coverage
  • What State Farm Pet Insurance Doesn’t Cover
  • State Farm Pet Insurance Waiting Periods for Coverage
  • State Farm Pet Insurance Coverage Levels
  • How Much Does Pet Insurance from State Farm Cost?
  • How to Save Money on State Farm Pet Insurance
  • State Farm Pet Insurance State Availability
  • Other Top-Rated Pet Insurance Plans to Consider
  • How Does State Farm Pet Insurance Compare to Other Pet Insurance Plans?
  • About State Farm Pet Insurance
  • Methodology
  • State Farm Pet Insurance FAQ

Show more

State Farm Pet Insurance Plans and Coverage

State Farm pet insurance through Trupanion only offers a comprehensive accident and illness plan. Accident-only plans and optional wellness plans are not available.

Accident and illness coverage

Accident and illness plans from State Farm through Trupanion cover veterinary expenses such as:

  • Injuries such as a broken tooth or fractured bone
  • Illnesses such as vomiting or diarrhea
  • Hereditary conditions such as thyroid disease, upper respiratory infections, diabetes, and elbow and hip dysplasia
  • Congenital conditions such as heart disease, liver disease, nervous system issues and cataracts
  • Herbal therapy
  • Hospitalizations
  • Lab and diagnostic testing
  • Prescription medications
  • Surgeries
  • Veterinary supplements

State Farm Pet Insurance Add-Ons

State Farm pet insurance through Trupanion offers extra benefits that can be added to a policy at an additional cost.

Pet Owner Assistance Package

This helps cover expenses outside of veterinary costs, including:

  • Advertising and rewards for lost pets
  • Boarding fees if you are hospitalized
  • Burial or cremation costs if your pet dies due to an accident
  • Liability coverage if your pet damages someone else’s property
  • Vacation cancellation costs if you cancel your trip because your pet is ill or injured

Recovery and complementary care rider

This covers non-clinical procedures, including:

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

You can add the Recovery and Complementary Care rider within the first month of buying State Farm’s pet insurance or within 30 days of your policy renewal. You can remove the rider at any time.

Breeding rider

The breeding rider covers health conditions associated with breeding cats and dogs, such as injuries and illnesses related to breeding, queening and whelping.

The breeding rider does not cover:

  • Artificial insemination
  • Fertility treatment
  • Planned caesarian births (unless medically necessary)
  • Pre-breeding tests

You can add the breeding rider to a State Farm pet insurance policy at any time, but once you remove it you cannot add it again.

Featured Partner Offers

1

Paw Protect

Maximum annual coverage

$5,000, $10,000, Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500

1

Paw Protect

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2

Embrace

Maximum annual coverage

$5,000, $10,000, Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500

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Embrace

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3

Spot

Maximum annual coverage

$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000, Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500, $750, $1,000

3

Spot

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Via PetInsurer.com's Secure Website

What State Farm Pet Insurance Doesn’t Cover

All pet insurers have policy exclusions. Here’s what State Farm pet insurance from Trupanion doesn’t cover:

  • Accident and illness vet exam fees
  • Pre-existing conditions that happen before coverage begins
  • Sales tax if it applies to where you live
  • Wellness care such as routine check-ups, vaccinations and flea and tick prevention

State Farm Pet Insurance Waiting Periods for Coverage

Pet insurance companies usually have what’s known as the waiting period, which is the amount of time before your coverage begins to reimburse you for veterinary expenses. After your waiting period is over, your pet insurance will kick in.

State Farm pet insurance through Trupanion has a different approach. After you buy your policy, there is a 12-day period before your policy is effective. During that time, you will not be charged a pet insurance premium. After the 12-day period passes, your pet insurance will kick in, and your pet will be covered for accidents and illnesses.

State Farm Pet Insurance Coverage Levels

Maximum annual limit options

Some pet insurance policies limit the amount they will reimburse you in a given year. State Farm pet insurance through Trupanion has only unlimited annual coverage.

Deductible options

Before your coverage begins reimbursing you, you’ll usually have to pay a set amount towards veterinary expenses, also known as the deductible. State Farm pet insurance through Trupanion has no deductible.

Reimbursement options

After paying your deductible, your pet insurer will reimburse you for veterinary expenses up to a certain percentage, known as the reimbursement level. State Farm pet insurance through Trupanion offers the choice of a reimbursement level between 50% and 100%.

How Much Does Pet Insurance from State Farm Cost?

State Farm pet insurance through Trupanion costs an average of $60 per month, according to a Forbes Advisor analysis of pet insurance costs. That includes unlimited annual coverage, a $500 deductible and 90% reimbursement level.

Examples of State Farm pet insurance cost by breed

BreedUnlimited annual coverage, $500 deductible, 90% reimbursement level
Chihuahua$56
French Bulldog$158
German Shepherd$111
Golden Retriever$99
Goldendoodle$70
Mixed breed (large)$96
Mixed breed (medium)$74
Mixed breed (small)$61
Shih Tzu$54
Yorkshire Terrier$68
Source: Petinsurer.com

How to Save Money on State Farm Pet Insurance

State Farm pet insurance through Trupanion does not offer a multi-pet discount. Some pet insurance companies offer a discount between 5% to 10% if you insure more than one pet. For example, Lemonade pet insurance offers a 5% discount if you insure more than one pet.

You can save on your State Farm pet insurance costs by choosing a lower reimbursement level. For example, you’ll pay less in premiums if you select a 50% reimbursement level compared to a 100% reimbursement level, but you’ll get less money back when you submit a pet insurance claim.

State Farm Pet Insurance State Availability

State Farm pet insurance through Trupanion is available nationwide.

Other Top-Rated Pet Insurance Plans to Consider

CompanyCompany - LogoForbes Advisor RatingForbes Advisor RatingReimbursement choicesStandout FeaturesLearn More CTA textLearn more CTA below textLEARN MORE
EmbraceState Farm Pet Insurance Review 2024 (9)5.0State Farm Pet Insurance Review 2024 (10)70%, 80%, 90%$100Compare PlansVia PetInsurer.com's Secure Website
ManyPetsState Farm Pet Insurance Review 2024 (11)5.0State Farm Pet Insurance Review 2024 (12)70%, 80%, 90%$100, $250, $500Compare PlansVia PetInsurer.com's Secure Website
SpotState Farm Pet Insurance Review 2024 (13)5.0State Farm Pet Insurance Review 2024 (14)70%, 80%, 90%$100, $250, $500, $750, $1,000Compare PlansVia PetInsurer.com's Secure Website
PumpkinState Farm Pet Insurance Review 2024 (15)4.5State Farm Pet Insurance Review 2024 (16)90%$100, $250, $500Compare PlansVia PetInsurer.com's Secure Website
FigoState Farm Pet Insurance Review 2024 (17)4.0State Farm Pet Insurance Review 2024 (18)70%, 80%, 90%, 100%$100, $250, $500, $750Compare PlansVia PetInsurer.com's Secure Website
LemonadeState Farm Pet Insurance Review 2024 (19)4.0State Farm Pet Insurance Review 2024 (20)70%, 80%, 90%$100, $250, $500Compare PlansVia PetInsurer.com's Secure Website
Pets BestState Farm Pet Insurance Review 2024 (21)4.0State Farm Pet Insurance Review 2024 (22)70%, 80%, 90%$50, $100, $200, $500, $1,000Compare PlansVia PetInsurer.com's Secure Website

Related: State Farm Life Insurance Review

How Does State Farm Pet Insurance Compare to Other Pet Insurance Plans?

State Farm pet insurance vs. Healthy Paws pet insurance

Rating and coverage detailsState Farm pet insurance through TrupanionHealthy Paws pet insurance
Forbes Advisor score

State Farm Pet Insurance Review 2024 (23)

State Farm Pet Insurance Review 2024 (24)

Accident waiting period12-day delay before policy is effective15 days
Illness waiting period12-day delay before policy is effective15 days
Special waiting periodNone12 months
Vet exam feesNoNo
Optional wellness planNoNo
24/7 vet helplineNoYes

State Farm pet insurance vs. Pets Best pet insurance

Rating and coverage detailsState Farm pet insurance through TrupanionPets Best pet insurance
Forbes Advisor score

State Farm Pet Insurance Review 2024 (25)

State Farm Pet Insurance Review 2024 (26)

Accident waiting period12-day delay before policy is effective3 days
Illness waiting period12-day delay before policy is effective14 days
Special waiting periodNone6 months for cruciate ligaments, 14 days for hip dysplasia
Vet exam feesNoIncluded
Optional wellness planNoYes
24/7 vet helplineNoYes

State Farm pet insurance vs. Spot pet insurance

Rating and coverage detailsState Farm pet insurance through TrupanionSpot pet insurance
Forbes Advisor score

State Farm Pet Insurance Review 2024 (27)

State Farm Pet Insurance Review 2024 (28)
Accident waiting period12-day delay before policy is effective14 days
Illness waiting period12-day delay before policy is effective14 days
Special waiting periodNoneNone
Vet exam feesNoYes
Optional wellness planNoYes
24/7 vet helplineNoYes

Related: State Farm Renters Insurance Review

About State Farm Pet Insurance

State Farm was founded in 1922 and began as a single-line auto insurance company. They now offer more than 100 different products and services. State Farm has partnered with Trupanion to offer pet insurance.

Trupanion launched in 2000 when it sold its first pet insurance policy. The company is underwritten by American Pet Insurance Co. and insures more than 500,000 cats and dogs in North America.

Related: State Farm Home Insurance Review

Methodology

To find the best pet insurance we used data provided by PetInsurer.com to score each pet insurance company based on the following:

Pet insurance rates: 40% of score. We calculated average rates for dogs for plans with unlimited coverage, a $500 deductible and a 90% reimbursement level, or the closest options available.

Special waiting period: 10% of score. Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period, a waiting period of fewer than six months or the ability to have the waiting period waived scored higher.

Direct payment to vet: 10% of score. Pet insurance companies that have the ability to pay a vet directly earned points.

24/7 vet health line: 10% of score. Insurers that provide access to a 24/7 vet health line scored in this category.

Routine wellness plans: 10% of score. Insurers that offer optional wellness plans earned points.

Pays veterinary exam fees: 10% of score. Not all insurers cover exam fees, even if the fee is for an illness or accident-related visit. Plans that cover the vet exam fee scored in this category.

Euthanasia or end of life expenses: 5% of score. Insurers that cover end of life expenses, such as euthanasia, cremation or burial fees, scored in this category.

Multipet discount: 5% of score. Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multipet discount earned points.

Related: State Farm Auto Insurance Review

State Farm Pet Insurance FAQ

Can I add multiple pets to my State Farm pet insurance policy?

You can insure multiple pets with State Farm pet insurance through Trupanion, but you will need to have a separate policy for each pet as opposed to one policy with every pet. State Farm pet insurance is limited to cats and dogs.

Trupanion does not offer a multi-pet discount. Some pet insurers offer multi-pet discounts that range from 5% to 10%. For example, ASPCA pet health insurance has a 10% multi-pet discount.

Is State Farm a good insurance company for pets?

State Farm pet insurance through Trupanion is rated 4 out of 5 stars in our evaluation of the best pet insurance companies.

Trupanion offers unlimited annual coverage, no deductibles and a flexible reimbursement level ranging from 50% to 100%. It also pays your veterinarian directly (if your vet has Trupanion’s software), which can help cut down on your out-of-pocket costs. But Trupanion lacks some benefits other insurers offer, such as an optional wellness plan and a 24/7 pet health line.

Does State Farm pet insurance work with any vet?

State Farm pet insurance through Trupanion works with any licensed vet in the U.S., Puerto Rico and Canada. Trupanion can also pay the vet directly (if the vet has Trupanion’s software).

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State Farm Pet Insurance Plans and Coverage

State Farm pet insurance through Trupanion offers a comprehensive accident and illness plan. It covers veterinary expenses for injuries, illnesses, hereditary conditions, and congenital conditions. The coverage includes a wide range of treatments, such as hospitalizations, lab and diagnostic testing, prescription medications, and surgeries. State Farm pet insurance also offers add-on benefits, including a Pet Owner Assistance Package for non-veterinary expenses and a Recovery and Complementary Care rider for non-clinical procedures. Additionally, there is a breeding rider available for health conditions associated with breeding cats and dogs.

What State Farm Pet Insurance Doesn't Cover

State Farm pet insurance does not cover vet exam fees, pre-existing conditions that occur before coverage begins, sales tax (if applicable), and wellness care such as routine check-ups, vaccinations, and flea and tick prevention.

State Farm Pet Insurance Waiting Periods for Coverage

After purchasing a State Farm pet insurance policy, there is a 12-day waiting period before the coverage becomes effective. During this period, you will not be charged a premium. After the waiting period, your pet will be covered for accidents and illnesses.

State Farm Pet Insurance Coverage Levels

State Farm pet insurance offers unlimited annual coverage, which means there is no maximum limit on the amount they will reimburse you in a given year. They also provide flexible reimbursement options, ranging from 50% to 100%, allowing you to choose the percentage at which they will reimburse your veterinary expenses.

How Much Does Pet Insurance from State Farm Cost?

According to a Forbes Advisor analysis, State Farm pet insurance through Trupanion costs an average of $60 per month. This includes unlimited annual coverage, a $500 deductible, and a 90% reimbursement level. The cost of pet insurance can vary depending on factors such as the breed of your pet.

How to Save Money on State Farm Pet Insurance

To save money on State Farm pet insurance, you can choose a lower reimbursement level. Opting for a lower reimbursement level, such as 50%, can result in lower premiums. However, it's important to note that choosing a lower reimbursement level means you will receive less money back when you submit a pet insurance claim. State Farm pet insurance does not offer a multi-pet discount, unlike some other pet insurance companies.

State Farm Pet Insurance State Availability

State Farm pet insurance through Trupanion is available nationwide in the United States.

Other Top-Rated Pet Insurance Plans to Consider

The article also mentions other top-rated pet insurance plans to consider, such as Embrace, ManyPets, Spot, Pumpkin, Figo, Lemonade, and Pets Best. It provides information on their reimbursement choices, standout features, and how to compare them to State Farm pet insurance.

How Does State Farm Pet Insurance Compare to Other Pet Insurance Plans?

The article compares State Farm pet insurance to other pet insurance plans, such as Healthy Paws, Pets Best, and Spot. It evaluates their ratings, waiting periods, coverage details, and additional features like vet exam fees, optional wellness plans, and 24/7 vet helplines.

About State Farm Pet Insurance

State Farm is an insurance company founded in 1922, primarily known for its auto insurance. They have partnered with Trupanion to offer pet insurance. Trupanion, established in 2000, is underwritten by American Pet Insurance Co. and insures hundreds of thousands of cats and dogs in North America.

Methodology

The article mentions the methodology used to evaluate pet insurance companies, considering factors such as pet insurance rates, waiting periods, direct payment to vets, 24/7 vet helplines, routine wellness plans, coverage of vet exam fees, euthanasia or end-of-life expenses, multipet discounts, and more.

State Farm Pet Insurance FAQ

The article concludes with a FAQ section that addresses common questions about State Farm pet insurance, such as adding multiple pets to a policy, whether State Farm is a good insurance company for pets, and whether State Farm pet insurance works with any vet.

Please note that the information provided above is based on the article you shared, and I don't have personal opinions or first-hand experience with State Farm pet insurance. It's always a good idea to research and compare different pet insurance options to find the one that best suits your needs.

State Farm Pet Insurance Review 2024 (2024)
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