How State Farm Scored in Our Methodology
After analyzing State Farm using our pet insurance methodology, the company scored 4.2 out of 5 stars. State Farm uses Trupanion to administer pet insurance policies and performed well in the plans, covered treatments and customer experience categories. It lost points for reputation, waiting periods, custom coverage levels and cost.
State Farm Pet Insurance Plans and Pricing
One advantage that State Farm policies provide to current customers is the ability to sign up with their local agent, who typically understands their unique insurance needs and budget. If you go to the State Farm website to get a quote, you’ll be redirected to Trupanion’s site to enroll.
When you sign up with your State Farm agent, you can ask questions about the plan and learn what will be covered and what won’t. Alternatively, you can learn this information by studying Trupanion’s website and FAQs or calling Trupanion customer service directly.
How Much Does State Farm Pet Insurance Cost?
The average cost for a State Farm pet insurance plan is $88 per month overall, $123 per month for dogs and $53 per month for cats. Pricing is high compared to most other providers, but the plan offers distinct advantages like high reimbursements, unlimited payouts and vet direct pay. Premium costs also vary depending on where you live and your pet’s breed, age and species.
Although State Farm policyholders will pay identical pricing compared to customers who sign up directly through Trupanion, customers with other State Farm policies may see benefits from bundling their insurance plans. To determine whether you may qualify for a bundle discount, contact your local State Farm agent.
* We determined the average monthly costs for this pet insurance provider by obtaining four sample quotes in each state: two for dogs and two for cats. We then averaged the overall and species-specific costs in each state and found a national average using state costs. The sample pets used during the quote process 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 and a 2-year-old female Siamese cat.
What Does State Farm Pet Insurance Cover?
State Farm offers one basic accident and illness plan, which makes plan choices simple for pet owners opting to use this provider. Two optional coverage riders, which expand covered services, are available for an additional cost each month. State Farm’s plan does not cover exam fees or preventive care.
Accident and Illness Plan Details
The accident and illness plan offers broad general coverage but has a few important exclusions. State Farm does not reimburse claims for pre-existing conditions, veterinary exam fees, preventable conditions or preventive care services. State Farm plans follow Trupanion’s coverage rules, which means the insurer may deny claims if you do not follow your veterinarian’s recommendations for treatment and prevention of disease.
The base plan covers the following conditions:
- Chronic conditions (arthritis, diabetes, allergies)
- Congenital conditions (eye, kidney, or liver defects)
- Hereditary conditions (orthopedic disease, cataracts, breed-related diseases)
- Illnesses (infections, cancer, gastrointestinal issues)
- Injuries (trauma, fractured teeth, broken bones)
- Pregnancy and whelping or queening
Covered treatments include:
- Advanced dentistry
- Advanced imaging tests
- Blood and urine tests
- Cancer treatments
- Hospitalization
- Medications
- X-rays and ultrasounds
- Prescription food
- Prosthetics and carts
- Surgeries
- Vet-prescribed supplements
State Farm’s Optional Add-On Coverage
State Farm’s add-ons mirror those offered by Trupanion. You may opt to include breeding-related coverage, recovery and rehabilitative services and additional pet owner assistance perks built into your policy.
Recovery and Complementary Care Add-On
Although some alternative medical treatments fall under the base plan, you can choose this rider to expand your options. This rider is worthwhile for pet owners who value alternative medicine or who would be likely to pursue rehabilitation therapy following a serious injury. Coverage includes:
- Acupuncture
- Behavior treatments
- Chiropractic treatments
- Homeopathy
- Hydrotherapy
- Naturopathy
- Rehabilitation therapy
The cost for Recovery and Complementary Care varies between $10 and $60 per month, depending on your overall plan cost.
Pet Owner Assistance Add-On
The Pet Owner Assistance rider costs $5 per month and affords the following value-loaded benefits:
- Boarding fees if your pet’s caregiver unexpectedly lands in the hospital
- Cremation or burial
- Lost pet advertising and reward fees
- Third-party property damage liability
- Vacation cancellation reimbursement when caused by your pet’s covered illness
Customizable Coverage Levels
Sign-Up, Claims Filing and Payout Processes
State Farm’s Waiting Periods and Age Restrictions
What Customers Think About State Farm Pet Insurance
Because State Farm partners with Trupanion to offer pet insurance policies, we were unable to find any reviews pertaining specifically to plans purchased through State Farm. However, when we combed through Trupanion reviews, we got a good sense of how customers feel about the plans. Customers rated the company highly, and 79% of its reviews on Trustpilot are 5-star reviews. However, many customers complained about skyrocketing prices reducing their policy’s perceived value.
What Customers Like
Customers highlighted the following positives of State Farm/Trupanion:
- Excellent customer service: Customers appreciate the 24/7 customer service availability and above-average training of those team members.
- Easy website enrollment: Some customers enjoy fast and easy sign-up with helpful customer service representatives.
- Per-condition deductible: Policyholders dealing with their pets’ chronic conditions felt they saved money with a per-condition deductible.
- Pre-approval process: Getting an estimate approved ahead of time helped many pet owners confidently choose a treatment path without worrying about cost.
- Direct vet payments: The vet direct payment feature made payment and claims filing a breeze for appreciative policyholders.
What Customers Don’t Like
Customers also point out a few negatives.
- Coverage denials: Some one-star reviews cite claims denials and confusion about pre-existing conditions.
- Slow reimbursements: Some customers remarked that claims processing is now taking longer.
- Confusion over pricing: Some customers who read Trupanion’s pricing promise felt the advertising indicated they were locked into a lifetime rate, which was not the case.
- Price increases: Price increases are normal and expected for insurance products, but some pet owners saw increases that were unaffordable for them.
- Poor plan value: Many unhappy reviewers felt they paid into the plan in a timely fashion and got little back when they filed claims.
We reached out to State Farm for comment on its negative customer reviews but did not receive a response.
State Farm Pet Insurance vs. the Market
Use the table below to compare State Farm pet insurance to other popular providers
