Are you looking for the best pet insurance company for your pet? If yes, then you have arrived at the right place. State Farm Pet Insurance is an outstanding pet insurance company to get insurance from for your pet.
Generally, this insurance company offers comprehensive pet insurance coverage and rates. Additionally, it also offers unlimited lifetime insurance payouts and outstanding customer service to all its customers. Furthermore, we will discuss further what State Farm Pet Insurance is all about and if it’s best for you and your pet.
What are State Farm’s Pet Insurance Plans?
State Farm is a type of pet insurance that is in partnership with Trupanion to sell pet insurance to pet parents. This insurer offers unlimited yearly insurance coverage, no deductible, and flexible reimbursement options. It pays off vet bills directly to the veterinarian instead of through the insurer. Another reason State Farm is a good option is that it has no waiting period for medical problems such as cruciate ligament issues and hip dysplasia.
While this insurance company has these features, it does not offer insurance plans such as reimbursement for free vet exams. An optional wellness insurance plan, and a 24/7 pet health line. But aside from these, State Farm offers a fixed insurance rate and price that lasts through the lifetime of your pet.
Who Should Get State Farm Pet Insurance?
Trupanion pet insurance policies are unique in that they directly pay veterinarians, removing the need for pet owners to pay for services upfront and then wait for payment. Many pet owners could find that convenience appealing. The company’s plan covers 90% of eligible costs, including diseases and accidents, without any payout caps.
Given that it lacks a wellness add-on, State Farm pet insurance via Trupanion might not be a suitable choice for people who place a high priority on preventive treatment. Senior pet owners may need to go elsewhere as it does not enroll new pets who are 14 years of age or older.
How Much Does State Farm Pet Insurance Cost?
A State Farm pet insurance package typically costs $88 monthly in total, $123 monthly for dogs, and $53 monthly for cats. Although the plan’s cost is more than that of the majority of other providers, it has certain clear benefits, like high reimbursements, limitless payouts, and vet direct pay. Moreover, the breed, age, and species of your pet, as well as your location of residence, all affect premium expenses.
Customers with additional State Farm policies may benefit from bundling their insurance plans, even though State Farm policyholders will pay the same prices as those who enroll directly via Trupanion. Furthermore, contact your local State Farm agent to find out whether you might be eligible for a package discount.
What Does State Farm Pet Insurance Cover?
Pet owners who choose to use State Farm can choose from a single basic accident and illness plan, simplifying their plan selection process. For an extra fee each month, two optional coverage riders are offered that increase the scope of covered services. Preventive care and exam costs are not covered by State Farm’s plan.
Accident and illness plan details
Although the accident and illness plan has a few significant exclusions, it provides comprehensive basic coverage. Pre-existing conditions, veterinarian exam costs, avoidable conditions, and preventive care services are not covered by State Farm. State Farm plans adhere to Trupanion’s coverage guidelines, which imply that if you disregard your veterinarian’s advice regarding illness prevention and treatment, the insurer has the right to reject your claim.
The following conditions are covered by the base plan:
- Chronic ailments (diabetes, allergies, and arthritis).
- Birth abnormalities about the eyes, kidneys, or liver.
- Hereditary disorders (diseases related to breed, cataracts, and orthopedic issues).
- Diseases (infections, cancer, digestive problems).
- Damage (trauma, shattered teeth, fractured bones).
- Conception and whelping/queening.
Among the treatments covered are:
- Modern dentistry.
- Sophisticated imaging examinations.
- Testing for blood and urine.
- Cancer therapies.
- Being admitted to a hospital.
- Prescription drugs, ultrasounds, and x-rays.
- Prescription diet.
- Wheelchairs and prostheses.
- Vitamins are recommended by veterinarians.
State Farm’s Optional Add-On Coverage
The add-ons provided by State Farm and Trupanion are similar. You can choose to have benefits for additional pet owner help, rehabilitation and recovery services, and coverage linked to breeding included in your policy.
Add-On for Recovery and Complementary Care
Even while the base plan covers some alternative medical treatments, you can add this rider to your selections to increase your alternatives. Pet owners who respect alternative treatment or who anticipate pursuing rehabilitative therapy after a serious accident should consider this rider. Included in the coverage are:
- The use of acupuncture.
- Behavioral therapies.
- Chiropractic adjustments.
- Herbal remedies.
- Hydrotherapy.
- Natural medicine.
- Rehabilitation treatment.
Depending on the total cost of your plan, recovery and complementary care can cost anywhere from $10 to $60 per month.
Is State Farm Good Pet Insurance?
State Farm’s Trupanion-provided comprehensive coverage can be a suitable option for people seeking coverage without having to wait to be reimbursed for qualified veterinary expenses. Ninety percent of qualified expenses are covered by the plan, and there are no payout restrictions.
In our ranking of the top pet insurers, Trupanion tied with Nationwide and ASPCA Pet Health Insurance at number five in our ranking. Pets Best, Embrace, Spot, and Lemonade came in front of Trupanion.