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Most are familiar with State Farm, a large U.S. insurance company that provides reliable home, auto, rental, and other policies. But did you know “State Farm is there” for our furry friends as well? State Farm pet insurance policies are offered through a partnership with Trupanion, a well-established pet insurance provider. State Farm Insurance for pets is identical to what Trupanion offers independently.
Trupanion has one simple plan offering 90% reimbursements, no payout limits, fast claim processing, and vet-direct pay at participating clinics. Here, we’ll give you a brief overview of this plan’s other features, coverage, and cost. You can find more detailed information in our Trupanion Pet Insurance review.
State Farm Pet Insurance Review
Product Name: State Farm Pet Insurance
Product Description: State Farm offers Trupanion pet insurance for dogs and cats.
Summary
If you’re a State Farm customer, bundling your pet insurance policy through them may be advantageous. However, if you’re not a State Farm customer but you think their policies look appealing, then we recommend insuring your pet(s) directly through Trupanion.
Our pet insurance experts read through each pet insurance company’s policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.
Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.
Overall Score
Pros
- 90% reimbursement with no payout limits
- Offers optional benefits for additional expenses that cover acupuncture, physical therapy, hydrotherapy, behavioral modification training, and therapy
- Hip dysplasia has no age restrictions (but a 30-day waiting period)
- Offers enrollment from birth 30-day money-back guarantee
- Pet is covered in the U.S., Canada, and Puerto Rico
- Claim processing averages 2 days
- Vet direct pay option at participating clinics
Cons
- Quotes tend to be among the most expensive compared to competitors
- One-time $35 administration fee ($25 in WA and $0 in MD and MI)
- Policies have a 30-day waiting period for illnesses (the industry average is 14)
- No multi-pet discount
- Pets aren’t eligible for enrollment after 14th birthday
- No wellness plan
- Doesn’t cover exam fees
Purchasing This Policy Through State Farm vs Trupanion
So, why not just get your policy directly from Trupanion? The benefit of going through State Farm to get a Trupanion pet insurance policy is that you could be eligible for a bundle discount if you have an existing State Farm policy in another line of business (i.e., auto, homeowners, renters, etc.). You can get a quote and find a local agent through State Farm’s website. If you don’t have an existing State Farm policy, it likely makes more sense to purchase a policy directly through Trupanion.
Consider All Your Pet Insurance Options
Although State Farm/Trupanion can be more expensive than some competitors, the policy options are much less complicated than most other pet insurance providers. And vet direct-pay is an excellent feature for people who are unable to pay upfront and wait to be reimbursed.
When choosing pet insurance, it’s important to consider and get quotes from several different providers using our free tool below. We’ve reviewed more than a dozen companies and have chosen the best pet insurance companies based on coverage, customer service and reputation, claim processing, price, plan customizations, and more in our pet insurance reviews.
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