Are you looking for pet insurance that offers comprehensive coverage without breaking the bank? Look no further than Farmers Pet Insurance. In this review, we’ll dive deep into their policies, pricing, and what customers have to say about their experience with Farmers.
Our Thoughts on Farmers Pet Insurance
Before we delve into the details, let’s discuss the pros and cons of Farmers Pet Insurance.
Pros
- Top-notch coverage for accidents and illnesses
- Partnership with Pets Best, a reputable pet insurance provider
- Customizable coverage options to suit your pet’s needs
- Competitive pricing that is lower than the average cost of pet insurance
Cons
- Routine care coverage only available as an add-on to accident and illness plans
How Farmers Scored in Our Methodology
In our review, Farmers Pet Insurance received a stellar rating of 5 out of 5 stars based on our pet insurance methodology. They partnered with Pets Best to offer policies that impressed us across various rating categories. Farmers earned full points for cost, plans, custom coverage levels, waiting periods, and covered treatments. That’s exceptional coverage you can rely on!
Farmers Pet Insurance Plans and Pricing
Farmers works hand in hand with Pets Best to provide pet insurance for cats and dogs over 7 weeks old. They offer three major policies to choose from:
- Accident and Illness
- Accident-Only
- Routine Wellness Care
During our research, we went through the quote process to gain a better understanding of the customer experience. Pets Best provided detailed explanations of each plan, making it easy for us to select the coverage and add-ons we were looking for.
How Much Does Farmers Pet Insurance Cost?
The cost of a Farmers Pet Insurance policy through Pets Best depends on various factors, such as coverage level, location, and pet details like size, breed, age, and health history. To provide you with accurate cost ratings, we gathered quotes from four different pet profiles across all 50 U.S. states, including:
- A 5-year-old medium, mixed-breed male dog
- A 2-year-old large, golden retriever female dog
- A 5-year-old mixed-breed male cat
- A 2-year-old Siamese female cat
Based on these profiles, we found that the average cost of a Farmers Pet Insurance policy through Pets Best is an affordable $33 per month. This is lower than the average cost of pet insurance, which stands at $49 per month across all states.
Let’s break down the coverage costs by plan type based on the profiles mentioned above:
| Plan | Average Cost |
|---|---|
| BestBenefit Essential | N/A |
| BestBenefit Plus | N/A |
| BestBenefit Elite | N/A |
Note: The average costs were calculated based on plans with unlimited annual coverage limits, a $500 deductible, and an 80% reimbursement rate.
We also gathered cost data for accident-only coverage and routine care add-ons using our sample pet profiles. For cats, accident-only coverage can be as low as $6 per month, while for dogs, it starts at just $9 per month. If you’re interested in adding routine care coverage to any plan, it will cost you an additional $19 to $29 per month.
What Does Farmers Pet Insurance Cover?
Farmers Pet Insurance, offered through Pets Best, provides comprehensive coverage for your furry companions. Whether you choose accident and illness, accident-only, or routine care plans, you’ll find the following coverage options:
Accident and Illness Plan Details
Pets Best BestBenefit plans offer three levels of accident and illness coverage: Essential, Plus, and Elite. These plans cover diagnostics, surgeries, and treatments related to accidents and illness. Here are some key features included in all BestBenefit plans:
- Hereditary and congenital conditions
- MRI, CAT scans, and X-rays
- Medication injections
- Cancer treatments
- Prescription meds
- Emergency care
- Specialist care
- Outpatient care
- Surgeries
- Accidents
- Lab tests
- Illnesses
The BestBenefit Plus plan provides additional coverage for accident and illness exam fees, while the Elite plan includes coverage for rehabilitative, acupuncture, and chiropractic care. However, please note that all accident and illness plans exclude pre-existing conditions and preventative care items.
Accident-Only Plan Details
If you’re on a budget but still want coverage for unexpected injuries, Farmers’ accident-only plan is an excellent option. This plan specifically covers pet-related accidents and the resulting injuries. Here are some of the accidents and injuries covered:
- Medical problems directly related to an injury
- Lacerations, cuts, and abrasions
- Animal, insect, and snake bites
- Hit by a car or moving vehicle
- Foreign body ingestion
- Bone fracture
- Poisoning
- Wounds
- Torn tail
- Trauma
Farmers Optional Add-on Coverage
With Farmers Pet Insurance, you have the flexibility to add routine care and wellness coverage to any plan administered by Pets Best. These two plans, BestWellness and EssentialWellness, provide coverage for various routine care services and do not require a deductible. The benefits for each plan are as follows:
- EssentialWellness: $305 per year
- BestWellness: $535 per year
The cost of routine care coverage remains the same regardless of your pet’s breed, size, or age. Adding routine care to your dog or cat’s coverage will range from $19 to $29 per month.
What Customers Think About Farmers Pet Insurance
To gauge customer satisfaction, we looked at reviews for Pets Best, the company that administers Farmers pet insurance plans. At the time of this writing, Pets Best holds a 2.7 out of 5-star rating with the BBB and a solid 4 out of 5-star rating with Trustpilot.
After combing through recent customer reviews, we found some common themes regarding customer satisfaction:
What Customers Like
- Good communication: Customers appreciate the attentive and timely responses from the company when it comes to questions and claims.
- Hassle-free claims: Many reviewers note the efficiency of Pets Best’s claims process, with quick email updates.
- Helpful customer service agents: The representatives at Pets Best are often described as helpful, friendly, and knowledgeable.
What Customers Don’t Like
- Rate increases: Some policyholders have experienced price increases at the time of renewal, with premium hikes as high as 30%.
- Slow turnaround time: A handful of customers have mentioned the relatively long processing time for claims, often taking a month or longer.
- Denied claims: A few reviewers expressed frustration over denied claims, feeling that the services should have been covered under their policies.
We reached out to Farmers Insurance for comment on the negative customer reviews but did not receive a response.
Compare Farmers To Other Pet Insurance Companies
Use the table below to compare Farmers Pet Insurance with other leading pet insurance providers. This will help you make an informed decision based on coverage, costs, and more.
| Provider | Coverage | Cost | Customer Satisfaction |
|---|---|---|---|
| Farmers Pet Insurance | Comprehensive | Affordable | 4 out of 5 stars |
| Provider A | Great coverage | Expensive | 3.5 out of 5 stars |
| Provider B | Affordable | Limited | 4.5 out of 5 stars |
| Provider C | Extensive | Expensive | 4 out of 5 stars |
In conclusion, Farmers Pet Insurance offers comprehensive coverage at affordable rates. With their partnership with Pets Best, you can rest easy knowing that your furry friends will be protected in case of accidents or illnesses. Despite a few customer concerns, the majority of customers appreciate the communication, hassle-free claims, and helpful customer service. When comparing Farmers with other pet insurance providers, they stand out for their excellent coverage and competitive pricing.
FAQs
Q: Can I purchase routine care coverage as a standalone policy with Farmers Pet Insurance?
No, routine care coverage is only available as an add-on to accident and illness or accident-only plans.
Q: How much does routine care coverage cost with Farmers Pet Insurance?
The cost of routine care coverage ranges from $19 to $29 per month, regardless of your pet’s breed, size, or age.
Q: Does Farmers Pet Insurance cover pre-existing conditions?
No, all accident and illness plans from Farmers Pet Insurance exclude pre-existing conditions.
Q: What is the average cost of a Farmers Pet Insurance policy?
The average cost of a Farmers Pet Insurance policy through Pets Best is $33 per month, which is lower than the average pet insurance cost of $49 per month across all states.
Q: Are there any additional benefits with Farmers Pet Insurance?
Yes, Farmers Pet Insurance offers optional add-on coverage for routine care and wellness services, which include wellness exams, microchipping, spay and neuter procedures, teeth cleaning, vaccinations, preventative medication, and more.
Q: How do customers rate Farmers Pet Insurance?
Farmers Pet Insurance, administered by Pets Best, has a 2.7 out of 5-star rating with the BBB and a 4 out of 5-star rating with Trustpilot.
Q: What separates Farmers Pet Insurance from other providers?
Farmers Pet Insurance stands out for its comprehensive coverage at affordable rates, making it an attractive option for pet owners who want the best for their furry companions.
