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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 reimbursem*nt 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 reimbursem*nt for the vet exam fee.
Pros
- No deductibles.
- Your pet insurance does not increase as your pet gets older.
- Flexible reimbursem*nt 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.
4.0
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
Reimbursem*nt 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
Reimbursem*nt choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
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Embrace
Maximum annual coverage
$5,000, $10,000, Unlimited
Reimbursem*nt choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
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Spot
Maximum annual coverage
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000, Unlimited
Reimbursem*nt choices
70%, 80%, 90%
Deductible choices
$100, $250, $500, $750, $1,000
3
Spot
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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.
Reimbursem*nt options
After paying your deductible, your pet insurer will reimburse you for veterinary expenses up to a certain percentage, known as the reimbursem*nt level. State Farm pet insurance through Trupanion offers the choice of a reimbursem*nt 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% reimbursem*nt level.
Examples of State Farm pet insurance cost by breed
| Breed | Unlimited annual coverage, $500 deductible, 90% reimbursem*nt 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 reimbursem*nt level. For example, you’ll pay less in premiums if you select a 50% reimbursem*nt level compared to a 100% reimbursem*nt 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
| Company | Company - Logo | Forbes Advisor Rating | Forbes Advisor Rating | Reimbursem*nt choices | Standout Features | Learn More CTA text | Learn more CTA below text | LEARN MORE |
|---|---|---|---|---|---|---|---|---|
| Embrace |  | 5.0 |  | 70%, 80%, 90% | $100 | Compare Plans | Via PetInsurer.com's Secure Website | |
| ManyPets |  | 5.0 | | 70%, 80%, 90% | $100, $250, $500 | Compare Plans | Via PetInsurer.com's Secure Website | |
| Spot |  | 5.0 | | 70%, 80%, 90% | $100, $250, $500, $750, $1,000 | Compare Plans | Via PetInsurer.com's Secure Website | |
| Pumpkin |  | 4.5 |  | 90% | $100, $250, $500 | Compare Plans | Via PetInsurer.com's Secure Website | |
| Figo |  | 4.0 |  | 70%, 80%, 90%, 100% | $100, $250, $500, $750 | Compare Plans | Via PetInsurer.com's Secure Website | |
| Lemonade |  | 4.0 | | 70%, 80%, 90% | $100, $250, $500 | Compare Plans | Via PetInsurer.com's Secure Website | |
| Pets Best |  | 4.0 | | 70%, 80%, 90% | $50, $100, $200, $500, $1,000 | Compare Plans | Via 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 details | State Farm pet insurance through Trupanion | Healthy Paws pet insurance |
|---|---|---|
| Forbes Advisor score |
|
|
| Accident waiting period | 12-day delay before policy is effective | 15 days |
| Illness waiting period | 12-day delay before policy is effective | 15 days |
| Special waiting period | None | 12 months |
| Vet exam fees | No | No |
| Optional wellness plan | No | No |
| 24/7 vet helpline | No | Yes |
State Farm pet insurance vs. Pets Best pet insurance
| Rating and coverage details | State Farm pet insurance through Trupanion | Pets Best pet insurance |
|---|---|---|
| Forbes Advisor score |
|
|
| Accident waiting period | 12-day delay before policy is effective | 3 days |
| Illness waiting period | 12-day delay before policy is effective | 14 days |
| Special waiting period | None | 6 months for cruciate ligaments, 14 days for hip dysplasia |
| Vet exam fees | No | Included |
| Optional wellness plan | No | Yes |
| 24/7 vet helpline | No | Yes |
State Farm pet insurance vs. Spot pet insurance
| Rating and coverage details | State Farm pet insurance through Trupanion | Spot pet insurance |
|---|---|---|
| Forbes Advisor score |
| |
| Accident waiting period | 12-day delay before policy is effective | 14 days |
| Illness waiting period | 12-day delay before policy is effective | 14 days |
| Special waiting period | None | None |
| Vet exam fees | No | Yes |
| Optional wellness plan | No | Yes |
| 24/7 vet helpline | No | Yes |
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% reimbursem*nt 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 reimbursem*nt 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 reimbursem*nt 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% reimbursem*nt 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 reimbursem*nt level. Opting for a lower reimbursem*nt level, such as 50%, can result in lower premiums. However, it's important to note that choosing a lower reimbursem*nt 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 reimbursem*nt 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.
