Orlando Harmon
Farmers Insurance Group has been offering pet insurance coverage through Pets Best since 2014. Farmers Pet Insurance offers three different policies: Accident & Illness, Accident-Only, and Wellness Routine Care. The company received a 5 out of 5 stars rating in a comprehensive review of 27 pet insurance providers, with high marks in the coverage, cost, plans, and covered treatment sections.
| Characteristics | Values |
|---|---|
| Provider | Farmers Insurance Group |
| Partner | Pets Best |
| Types of Policies | Accident & Illness, Accident-Only, Wellness Routine Care |
| Waiting Period | 14 days for illness, 3 days for accidents, 6 months for patella-related injuries or cruciate ligament injuries |
| Accident-Only Monthly Rate | $9 for dogs, $6 for cats, $10 for dogs in Washington, $7 for cats in Washington |
| Wellness Routine Care Monthly Rate | EssentialWellness Plan: $16, BestWellness Plan: $29 |
| Discounts | 5% for multiple pets, 5% for military service pets, 5% for Farmers members |
| Reimbursement Rate | 70%, 80%, 90% |
| Annual Limit | $5,000, unlimited |
| Deductible | $50, $100, $200, $250, $500, $1,000 |
What You'll Learn
- Farmers Insurance Group offers pet insurance through Pets Best
- Farmers Pet Insurance offers three policies: Accident & Illness, Accident-Only, and Wellness Routine Care
- The BestBenefit Accident and Illness plan is the most popular and comprehensive
- Farmers Pet Insurance offers a 5% discount for pet parents who insure multiple pets
- Farmers Pet Insurance has no upper age limits
Farmers Insurance Group offers pet insurance through Pets Best
Farmers Insurance Group has been offering pet insurance coverage through Pets Best since 2014. Farmers Pet Insurance offers three different policies: Accident & Illness, Accident-Only, and Wellness Routine Care. The BestBenefit Accident and Illness plan is the most popular and comprehensive plan, reimbursing pet owners for up to 90% of covered veterinary services. It covers accidents, illnesses, hereditary conditions, prescription medications, and more. The Accident-Only plan is a budget-friendly option that covers accidents but not illnesses, and is available at a flat monthly rate of $9 for dogs and $6 for cats. The Wellness Routine Care plan is an add-on that covers regular veterinary services not typically covered, such as annual checkups, vaccinations, and preventative medication.
Farmers Pet Insurance stands out for its Specialized Coverage plans, which are tailored to specific types of accidents based on a pet's location and exposure to environmental dangers. It also has no upper age limits, allowing pets 7 weeks and older to be covered. Claims are typically processed within 3-5 business days, faster than most competitors. Additionally, Farmers Pet Insurance offers 24/7 veterinary support to its customers.
However, it's important to note that the price of Farmers Pet Insurance will increase as your pet gets older, and there is no price lock-in, so policy rates may rise over time. Customer reviews also mention a longer claims process compared to other providers.
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Farmers Pet Insurance offers three policies: Accident & Illness, Accident-Only, and Wellness Routine Care
The Accident-Only Policy covers accidents such as broken limbs, snake bites, and ingestion of foreign objects. The Accident & Illness policy has three coverage tiers: Essential, Plus, and Elite (also known as Best Benefit). The Essential Plan covers up to $5,000 of eligible vet bills, while the Plus Plan offers more coverage, including exam fees and alternative therapies, with an annual limit of up to $10,000. The Elite Plan is the most comprehensive option, with unlimited annual coverage, and covers illnesses like diabetes, allergies, ear infections, skin infections, arthritis, and cancer treatments, as well as costs related to accidents.
The Wellness Routine Care is an add-on to either of the above policies and covers regular veterinary services not typically covered, such as annual checkups, preventative medication for fleas and ticks, and vaccinations. There are two Wellness plans: Essential Wellness and Best Wellness. Essential Wellness covers routine items, neutering/spaying, heartworm testing, and bloodwork, with an annual limit of $305, while Best Wellness covers the same, plus teeth cleaning, with an annual limit of $535.
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The BestBenefit Accident and Illness plan is the most popular and comprehensive
Farmers Insurance Group has been offering pet insurance coverage through Pets Best since 2014. The BestBenefit Accident and Illness plan is the most popular and comprehensive option offered by Farmers. This plan is highly customizable and includes an unlimited annual limit option. It covers unexpected emergencies and illnesses, including accidents such as broken bones, lacerations, or car accidents, and illnesses such as cancer, diabetes, allergies, arthritis, and skin and ear infections. The plan also covers surgery, prescription medications, cancer treatments, and physical rehabilitation.
The price of the BestBenefit Accident and Illness plan varies based on factors such as your pet's age, breed, and location. You can add optional Wellness Routine Care coverage to this plan, which offers two tiers of coverage for routine veterinary visits, annual check-ups, vaccinations, and preventative medication.
Farmers Pet Insurance stands out from other pet insurance companies by offering Specialized Coverage plans, which cover specific types of accidents based on the pet's location and exposure to environmental dangers. Additionally, Farmers Pet Insurance has no upper age limits, allowing coverage for older pets, and puppies and kittens can be enrolled at seven weeks. Claims are typically processed within three to five business days, which is faster than many other pet insurance companies.
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Farmers Pet Insurance offers a 5% discount for pet parents who insure multiple pets
Farmers Pet Insurance is offered in partnership with Pets Best, a long-time pet insurance provider. Farmers Insurance Group (informally known as Farmers) is a well-reputed company that offers insurance for homes, small businesses, and automobiles.
Farmers Pet Insurance offers three different policies: Accident & Illness, Accident-Only, and Wellness Routine Care. The Accident-Only Policy includes coverage for accidents such as broken limbs, snake bites, ingestion of foreign objects, etc. The Accident & Illness coverage includes three different plans: Essential, Plus, and Best Benefits (Elite). The Essential Plan covers up to $5,000 of your pet's eligible vet bills, while 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 (Elite Plan) is the most comprehensive option, offering unlimited annual coverage for illnesses like diabetes, allergies, ear infections, skin infections, arthritis, and cancer treatments, as well as costs related to accidents.
The Wellness Routine Care 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. Farmers Pet Insurance offers two wellness plans: the Essential Wellness Plan, which has an annual limit of $305, and the Best Wellness Plan, which includes teeth cleaning and has a higher annual limit of $535.
The price of Farmers Pet Insurance depends on various factors, including your pet's age, breed, and location. The monthly cost will also depend on the annual deductible and the level of reimbursement you choose.
In addition to the multi-pet and military service pet discounts, Farmers Pet Insurance offers a 5% discount to customers who purchase a Pets Best policy after a referral from a Farmers agent or at Farmers.com/petinsurance.
Farmers Pet Insurance has no upper age limits
Farmers Pet Insurance has no upper age limit for pets, meaning you can insure your furry friend no matter their age. This is a significant advantage, especially if you're considering insurance for an older pet. Many other pet insurance companies impose age restrictions, making it difficult for senior pets to obtain coverage.
Farmers Pet Insurance, offered in partnership with Pets Best, provides three main types of policies: Accident & Illness, Accident-Only, and Wellness Routine Care. The Accident-Only policy is an affordable option, covering accidents such as broken limbs and snake bites. Meanwhile, the Accident & Illness policy offers more comprehensive coverage, including essential, plus, and elite plans with varying levels of coverage and annual limits.
The Wellness Routine Care plan is available as an add-on and covers regular veterinary services like annual check-ups, vaccinations, and preventative medication, which are typically not covered by standard policies.
Farmers Pet Insurance stands out for its Specialized Coverage plans, which are tailored to specific types of accidents based on your pet's location and environmental risks. This level of customization ensures that your pet is protected against a wide range of potential hazards.
In addition to its flexible age limits and specialized coverage options, Farmers Pet Insurance also offers a 30-day free period, allowing you to try the service before fully committing. Their claims processing time is also faster than many competitors, taking only 3 to 5 business days on average.
While Farmers Pet Insurance excels in these areas, it's important to note that their prices may increase as your pet ages. This is a factor to consider when planning for long-term pet care. Nevertheless, Farmers Pet Insurance provides excellent coverage options that can be customized to meet the unique needs of your beloved pet.
Frequently asked questions
Farmers Insurance Group offers pet insurance plans through Pets Best, with three policy options: Accident & Illness, Accident-Only, and Wellness Routine Care.
Farmers' Accident & Illness plan covers accidents and illnesses, including broken bones, snake bites, ingestion of foreign objects, allergies, cancer, ear infections, skin infections, arthritis, diabetes, and more.
Farmers' Accident-Only plan covers accidents such as broken limbs, snake bites, and ingestion of foreign objects. It does not cover illnesses.
Farmers' Wellness Routine Care plan covers regular veterinary services that are not typically covered by insurance, such as annual checkups, vaccinations, and preventative medication for fleas and ticks.
