Farmers Insurance: Exploring Their Cat Insurance Options

Farmers Insurance Group (informally known as Farmers) offers pet insurance for cats and dogs. In 2014, Farmers started offering pet insurance through a partnership with long-time provider Pets Best. Farmers Pet Insurance offers three different policies: Accident & Illness, Accident-Only, and Wellness Routine Care. The price of a Farmers Pet Insurance plan will depend on various factors, including your pet's age, breed, and location.

Farmers Insurance offers pet insurance through Pets Best

Farmers Insurance has been offering pet insurance coverage for cats and dogs through Pets Best since 2014. Pets Best was founded in 1981 and its pet insurance policies are underwritten by Independence American Insurance Company.

Farmers Insurance offers three different policies: Accident & Illness, Accident-Only, and Wellness Routine Care. The Accident-Only Policy includes accidents such as broken limbs, snake bites, and ingestion of foreign objects. There is a 14-day waiting period for illness and a three-day waiting period for accidents, as well as a six-month waiting period for patella-related or cruciate ligament injuries.

There are three types of Accident & Illness coverage: Essential Plan, Plus Plan, and Best Benefits Plan (Elite Plan). The Essential Plan is a basic policy that covers up to $5,000 of your pet's eligible vet bills. The Plus Plan offers more coverage, including exam fees and alternative therapies, with an annual limit of up to $10,000. The Best Benefits Plan is the most comprehensive option, with unlimited annual coverage for illnesses like diabetes, allergies, ear infections, skin infections, arthritis, and cancer treatments. It also covers costs related to accidents, congenital and hereditary conditions, surgeries, and prescription medications.

The Wellness Routine Care plan is available as an add-on and covers regular veterinary services that are not normally covered, such as annual checkups, preventative medication for fleas and ticks, and vaccinations. There are two wellness plans: Essential Wellness Plan and Best Wellness Plan. The Essential Wellness Plan covers routine items, neutering/spaying, heartworm testing, and blood work, with an annual limit of $305. The Best Wellness Plan covers the same exams and treatments as the Essential Plan, plus teeth cleaning, and has a higher annual limit of $535.

Farmers Insurance's lower-level plans are competitively priced, with the average monthly premium for cats starting at $18 and for dogs from $29. The price of the BestBenefit Accident and Illness plan depends on various factors, including your pet's age, breed, and location, as well as the annual deductible and the level of reimbursement. The Accident-Only Plan is a budget-friendly option with low monthly rates of $9 for dogs and $6 for cats. The Essential Wellness Plan costs $16 per month, while the Best Wellness plan costs $29 per month.

Farmers Insurance offers a 5% discount for customers who insure multiple pets or have military service pets. Additionally, pet owners who purchase a Pets Best policy after a referral from a Farmers agent or through Farmers.com/petinsurance will receive a 5% discount.

There are three Farmers Pet Insurance policies

Farmers Pet Insurance offers three different policies: Accident & Illness, Accident-Only, and Wellness Routine Care.

Accident-Only Policy

The Accident-Only Policy covers accidents such as broken limbs, snake bites, ingestion of foreign objects, etc. There is a 14-day waiting period for illness and a three-day waiting period for accidents. There is also a six-month waiting period for patella-related injuries or cruciate ligament injuries. The monthly rate for this plan is $6 for cats and $9 for dogs. In Washington state, the flat monthly rates are $7 for cats and $10 for dogs.

Accident & Illness Policy

There are three types of Accident & Illness coverage: Essential Plan, Plus Plan, and Best Benefits Plan (Elite Plan). The Essential Plan is a basic policy that covers up to $5,000 of your pet's eligible vet bills. The Plus Plan offers more coverage, including exam fees and alternative therapies, and has an annual limit of up to $10,000. The Best Benefits Plan is the most comprehensive option, offering unlimited annual coverage for various illnesses and accidents, as well as costs related to congenital and hereditary conditions, surgeries, and prescription medications. The price of the Accident & Illness plan depends on your pet's age, breed, and location, as well as the annual deductible and reimbursement rate you choose.

Wellness Routine Care Policy

The Wellness Routine Care Policy is available as an add-on to the Accident & Illness policy. It covers regular veterinary services that are not normally covered, such as annual checkups, preventative medication for fleas and ticks, and vaccinations. Farmers offer two wellness plans: the Essential Wellness Plan and the Best Wellness Plan. The Essential Wellness Plan covers routine items, neutering/spaying, heartworm testing, blood work, and has an annual limit of $305. The Best Wellness Plan covers the same exams and treatments as the Essential Plan, plus teeth cleaning, and has a higher annual limit of $535.

The price of Farmers Pet Insurance depends on various factors

The Essential Plan, which covers up to $5,000 of your pet's eligible vet bills, will be cheaper than the Best Benefits Plan (Elite Plan), which offers unlimited annual coverage for illnesses and accidents.

Additionally, Farmers Pet Insurance offers Specialized Coverage plans that are tailored to specific types of accidents based on your pet's location and exposure to particular environmental dangers. This means that where you live and the associated risks to your pet's health will also influence the price of your insurance plan.

It's worth noting that Farmers Pet Insurance does not cover pre-existing conditions, cosmetic and elective procedures, deworming, grooming, or parasite control. There is also a waiting period of 14 days for illness coverage and three days for accident coverage. Patella-related and cruciate ligament injuries have a six-month waiting period.

The price of Farmers Pet Insurance will also increase as your pet gets older. This is a standard practice among pet insurance providers, as older pets are more likely to suffer from age-related diseases and illnesses.

Farmers Pet Insurance offers a range of plans to suit different budgets and needs, with lower-level plans being competitively priced. The average monthly premium for cats starts at $18, while for dogs, it starts from $29 per month.

To get an accurate quote for your pet's insurance, it is best to contact Farmers Pet Insurance directly, as they can provide a personalized quote based on your specific circumstances.

Claims are typically processed within three to five days

Farmers Insurance Group (informally known as Farmers) offers pet insurance for cats and dogs through its partnership with Pets Best. This insurance covers medical services for illnesses and accidents, as well as wellness and preventive services at competitive prices. Claims are typically processed within three to five days, which is faster than most pet insurance companies. For example, USAA Pet Insurance takes 15 days to process a claim, while Nationwide Pet Insurance needs 30 days.

To submit a claim with Farmers Pet Insurance, customers need to provide an itemized invoice for the vet visit through the Pets Best website or mobile app. Customers can also use the app to check the status of their claim, access policy details, and retrieve their claim history. There is no extra charge for receiving reimbursements by direct deposit.

Farmers Pet Insurance stands out from other pet insurance companies by offering Specialized Coverage plans. These plans cover specific types of accidents based on the pet's location and exposure to particular environmental dangers. Additionally, Farmers Pet Insurance has no upper age limits, so older pets can be covered. Puppies and kittens can be enrolled at seven weeks, and there is a 30-day free period to decide if you want to enroll.

Farmers Pet Insurance also provides 24/7 veterinary support to customers for any advice or questions related to their pets. However, it's important to note that the price of pet insurance from Farmers will increase as your pet gets older. Some other insurers offer lifetime policies with fixed prices, but Farmers is not one of them.

Farmers Pet Insurance offers 24/7 veterinary support

The 24/7 veterinary support is provided through Pets Best, a long-time pet insurance provider that Farmers has been partnering with to offer pet insurance since 2014. With this service, you can get advice on emergency care, such as what to do if your dog swallows a toy, as well as behavioural-related advice, such as whether positive reinforcement training would work for your dog.

To access the 24/7 veterinary support, Farmers and Pets Best customers can contact veterinary experts via email, chat, or phone. This service is included with all Pets Best policies and is available to all policyholders at no additional cost.

In addition to the 24/7 veterinary support, Farmers Pet Insurance also offers comprehensive policies that cover medical services for illnesses and accidents, as well as wellness and preventive care at competitive prices. Their policies have no upper age limits, so you can get coverage for older pets, and they offer a 30-day free period to help you decide if their insurance is right for you.

Frequently asked questions