Farmers' pet insurance (offered through Pets Best) scores 3.8 out of 5 for cats and 4.05 for dogs in MoneyGeek's analysis. The provider excels in coverage options, though its premiums are more expensive, particularly for cat owners. Farmers requires a 14-day waiting period for accident coverage, which matches industry standards.
Farmers Pet Insurance Review
Updated: October 13, 2025
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Farmers Pet Insurance Review: Key Takeaways
Farmers ranks sixth in cat insurance affordability and fourth for dogs, with monthly premiums starting at $28 for cats and $53 for dogs.
Farmers ranks fifth nationally for customer experience, maintaining a B+ rating with the BBB and receiving moderate reviews on Trustpilot.
Farmers ranks second nationwide for coverage, offering accident-only and accident and illness plans with optional wellness routine care add-ons.
Farmers Pet Insurance Ratings
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Pet Type:Cat
| Affordability | 3.62 | 6 |
| Coverage | 4.04 | 2 |
| Customer Experience | 3.96 | 5 |
| Overall Score | 3.80 | 7 |
WHO IS FARMERS PET INSURANCE BEST FOR?
Farmers ranks among the best pet insurance companies for owners seeking affordable deductibles and unlimited coverage limits. The provider includes hereditary conditions, exam fees and behavioral therapy in standard plans without extra costs. Its three-day accident waiting period may not suit owners needing immediate protection.
Farmers Pet Insurance Ratings by State
Farmers offers pet insurance nationwide across all 50 states. For dogs, it achieves second place overall in one state and third place in 25 states. Cat coverage performs more moderately, with third place in one state and seventh place in 23 states. The company excels in coverage quality, ranking second nationally in all states for both pets.
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Category:Affordability
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Pet Type:Cat
| Alabama | 3.70 | 6 |
| Alaska | 3.58 | 7 |
| Arizona | 3.49 | 6 |
| Arkansas | 3.59 | 6 |
| California | 3.68 | 8 |
| Colorado | 3.71 | 7 |
| Connecticut | 3.60 | 8 |
| Delaware | 3.58 | 7 |
| Florida | 3.52 | 6 |
| Georgia | 3.64 | 6 |
| Hawaii | 3.74 | 7 |
| Idaho | 3.46 | 8 |
| Illinois | 3.24 | 7 |
| Indiana | 3.60 | 7 |
| Iowa | 3.75 | 7 |
| Kansas | 3.53 | 7 |
| Kentucky | 3.77 | 6 |
| Louisiana | 3.67 | 6 |
| Maine | 3.85 | 6 |
| Maryland | 4.00 | 5 |
| Massachusetts | 3.64 | 8 |
| Michigan | 3.54 | 7 |
| Minnesota | 3.60 | 8 |
| Mississippi | 3.65 | 7 |
| Missouri | 3.69 | 6 |
| Montana | 3.61 | 7 |
| Nebraska | 3.36 | 6 |
| Nevada | 3.34 | 7 |
| New Hampshire | 3.66 | 7 |
| New Jersey | 3.53 | 6 |
| New Mexico | 3.71 | 7 |
| New York | 3.57 | 7 |
| North Carolina | 3.76 | 6 |
| North Dakota | 3.49 | 8 |
| Ohio | 3.78 | 6 |
| Oklahoma | 3.57 | 8 |
| Oregon | 3.76 | 8 |
| Pennsylvania | 3.79 | 7 |
| Rhode Island | 3.67 | 7 |
| South Carolina | 3.20 | 8 |
| South Dakota | 3.72 | 6 |
| Tennessee | 3.41 | 6 |
| Texas | 3.49 | 7 |
| Utah | 3.78 | 8 |
| Vermont | 3.62 | 6 |
| Virginia | 3.85 | 8 |
| Washington | 3.60 | 7 |
| West Virginia | 3.67 | 7 |
| Wisconsin | 3.62 | 6 |
| Wyoming | 3.57 | 8 |
Farmers Pet Insurance Comparison
See how Farmers pet insurance fares against national competitors below.
Farmers vs. AKC | • Dogs: 4.05 vs. 4.30 • Cats: 3.80 vs. 3.85 | AKC offers better coverage and higher overall scores, while Farmers is more affordable for dogs. |
Farmers vs. ASPCA | • Dogs: 4.05 vs. 3.85 • Cats: 3.80 vs. 3.35 | ASPCA has cheaper dog plans, but Farmers provides better coverage and balanced scores for both pets. |
Farmers vs. Embrace | • Dogs: 4.05 vs. 2.55 • Cats: 3.80 vs. 2.30 | Farmers outperforms Embrace across all categories, offering better affordability, coverage and overall value. |
Farmers vs. Fetch | • Dogs: 4.05 vs. 2.70 • Cats: 3.80 vs. 2.95 | Fetch has decent coverage, but Farmers wins on affordability and customer service, with higher overall scores. |
Farmers vs. Figo | • Dogs: 4.05 vs. 3.60 • Cats: 3.80 vs. 3.80 | Figo is cheaper for cats, but Farmers provides more consistent coverage and higher dog scores overall. |
Farmers vs. Hartville | • Dogs: 4.05 vs. 3.50 • Cats: 3.80 vs. 3.90 | Hartville has affordable cat coverage, but Farmers performs better for dogs with higher overall and coverage scores. |
Farmers vs. Lemonade | • Dogs: 4.05 vs. 4.50 • Cats: 3.80 vs. 4.25 | Lemonade is cheaper and scores higher overall, but Farmers offers more comprehensive coverage for both pets. |
Farmers vs. Liberty Mutual | • Dogs: 4.05 vs. 2.65 • Cats: 3.80 vs. 2.30 | Farmers outperforms Liberty Mutual in all areas, with better affordability, coverage and customer service. |
Farmers vs. MetLife | • Dogs: 4.05 vs. 3.05 • Cats: 3.80 vs. 2.40 | Farmers outperforms MetLife in all categories, delivering higher scores and better service. |
Farmers vs. Nationwide | • Dogs: 4.05 vs. 2.50 • Cats: 3.80 vs. 2.65 | Nationwide lags in affordability, while Farmers provides better coverage and a more balanced offering. |
Farmers vs. Pumpkin | • Dogs: 4.05 vs. 3.70 • Cats: 3.80 vs. 4.15 | Pumpkin is more affordable for cats, but Farmers provides better coverage and overall value, especially for dogs. |
Farmers vs. Rainwalk | • Dogs: 4.05 vs. 4.05 • Cats: 3.80 vs. 3.95 | Rainwalk leads in customer service, while Farmers provides better coverage and affordability balance. |
Farmers vs. Spot | • Dogs: 4.05 vs. 3.75 • Cats: 3.80 vs. 4.15 | Spot is more affordable for cats with strong service, but Farmers maintains better overall coverage. |
How Much Does Farmers Pet Insurance Cost?
Farmers' pet insurance costs an average of $53 monthly ($643 annually) for dog coverage and $28 monthly ($329 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $53 | $60 | $643 | $723 | 11% |
| Cat | $28 | $32 | $329 | $379 | 13% |
Farmers Pet Insurance Rates by State
Pet insurance rates vary by state based on veterinary costs and local claim patterns. Farmers offers the cheapest pet insurance for cats in Arkansas at $19 monthly, while Massachusetts charges $36. For dogs, Farmers provides the lowest monthly rate in Arkansas at $36 and the highest in Massachusetts at $69.
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Pet Type:Cat
| Alabama | $20 | $242 |
| Alaska | $27 | $321 |
| Arizona | $34 | $401 |
| Arkansas | $19 | $221 |
| California | $35 | $417 |
| Colorado | $35 | $414 |
| Connecticut | $32 | $376 |
| Delaware | $28 | $331 |
| Florida | $31 | $373 |
| Georgia | $25 | $297 |
| Hawaii | $28 | $333 |
| Idaho | $28 | $329 |
| Illinois | $34 | $408 |
| Indiana | $25 | $298 |
| Iowa | $23 | $277 |
| Kansas | $25 | $299 |
| Kentucky | $22 | $261 |
| Louisiana | $22 | $265 |
| Maine | $34 | $400 |
| Maryland | $27 | $323 |
| Massachusetts | $36 | $424 |
| Michigan | $28 | $330 |
| Minnesota | $29 | $342 |
| Mississippi | $24 | $280 |
| Missouri | $22 | $260 |
| Montana | $23 | $276 |
| Nebraska | $25 | $298 |
| Nevada | $29 | $341 |
| New Hampshire | $32 | $382 |
| New Jersey | $31 | $372 |
| New Mexico | $24 | $291 |
| New York | $30 | $358 |
| North Carolina | $25 | $293 |
| North Dakota | $21 | $253 |
| Ohio | $25 | $302 |
| Oklahoma | $23 | $275 |
| Oregon | $35 | $410 |
| Pennsylvania | $29 | $343 |
| Rhode Island | $24 | $286 |
| South Carolina | $29 | $344 |
| South Dakota | $25 | $291 |
| Tennessee | $26 | $304 |
| Texas | $29 | $348 |
| Utah | $27 | $314 |
| Vermont | $26 | $306 |
| Virginia | $30 | $352 |
| Washington | $32 | $379 |
| West Virginia | $24 | $285 |
| Wisconsin | $30 | $353 |
| Wyoming | $26 | $305 |
Farmers Pet Insurance Rates by Breed
Farmers premiums change based on your pet's breed. Cat owners pay around $15 monthly for Russian Blues but $33 for Abyssinians. Dog premiums vary more, starting at $18 for Chihuahuas and reaching $117 for Bernese Mountain Dogs. These price differences reflect each breed's health risks and veterinary costs.
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Pet Type:Cat
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Breed:Abyssinian
| Abyssinian | $33 | $390 |
Is Farmers Pet Insurance Expensive?
Farmers ranks sixth for cat insurance affordability and fourth for dog insurance affordability in our study, making it a reasonably priced option rather than the cheapest available. Your costs will vary based on your pet's age and your chosen deductible, annual limit and reimbursement rate. Use the filterable table below to see personalized pricing for your situation.
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Pet Type:Cat
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Pet Age Group:Middle Aged
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Deductible:$1,000
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Annual Limit:$10,000
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Reimbursement %:70%
| $17 | $199 | 21% |
Farmers Pet Insurance Discounts
Farmers provides several pet insurance discounts that can lower monthly premiums. Customers receive a 5% discount on BestBenefit accident and illness plans in most states, plus an additional 5% discount when they insure more than one pet. Some veterinary clinics also participate in the My Vet Knows Best program, offering extra savings when owners enroll their pets shortly after an exam.
BestBenefit plan discount | 5% | Applies to accident and illness plans in most states |
Multiple pets | 5% | Must insure more than one pet with Farmers |
Vet exam enrollment benefit | 10% | Must enroll within 10 days of a veterinary exam through a participating clinic |
Union or association discount | Up to 12% | Must be a member of a qualifying union or association |
Farmers Pet Insurance Customer Service Reviews and Ratings
Farmers places fifth nationally for customer service among cat and dog insurers. The company has a low rating from the Better Business Bureau and gets moderate reviews on Trustpilot. Reddit feedback on Farmers' customer service varies widely. Some customers appreciate the quick responses and knowledgeable representatives. Others struggle with claim denials and long wait times when contacting support.
Farmers Trustpilot Reviews
Farmers earns a 4 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Farmers' coverage and customer support. Trustpilot collects verified reviews to give consumers honest feedback about insurance companies.
Farmers Better Business Bureau Rating
Farmers holds an F rating from the Better Business Bureau and is not currently BBB accredited. The F grade indicates the company has not met BBB standards for trust or effective complaint resolution. BBB accreditation requires companies to maintain ethical business practices and address customer concerns promptly.
Farmers Pet Insurance Reddit Sentiment
Reddit users show mixed feelings about Farmers in our analysis of 10 comments. The provider earned 70% positive feedback, with seven favorable comments versus three negative ones. Users praised responsive customer service and clear policy language. Some criticized claim denials and coverage gaps, showing varied experiences with Farmers' claims process. These results reflect a small sample of user opinions.
Farmers Pet Insurance Coverage
Farmers offers accident-only and comprehensive accident and illness coverage for dogs and cats. Policies can be customized by selecting deductibles, reimbursement levels and annual limits. Routine care coverage can be added for broader protection.
Deductibles | $0, $50, $100, $200, $500, $1,000 |
Annual limits | Unlimited annual and lifetime benefit options available |
Reimbursement rates | 70%, 80%, 90% |
Coverage for accident-only plan | Treatment for injuries such as broken bones, swallowed objects, poisoning, medications, surgery and emergency care |
Coverage for accident and illness plan | Includes accident coverage plus hereditary and chronic conditions, cancer, infections, allergies, diagnostic testing, hospitalizations and surgery |
Prescription medications | Covered if prescribed for an eligible accident or illness |
Chronic conditions | Continued coverage if the condition was not pre-existing and the policy is renewed |
Waiting periods | Standard waiting periods apply; length may vary by state |
Enrollment restrictions | No maximum age limits; any licensed U.S. or Canadian veterinarian can be used |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Farmers Pet Insurance Coverage Add-Ons
Farmers offers optional wellness plans that reimburse for preventive care, like annual exams, vaccinations and routine screenings. These add-ons have no deductibles or waiting periods, so benefits begin immediately once enrolled.
EssentialWellness | Covers routine exams, core vaccinations, deworming, microchipping and preventive blood work |
BestWellness | Includes all Essential benefits plus spay/neuter, dental cleanings, advanced blood panels and additional vaccines |
Is Farmers Pet Insurance Good: Bottom Line
Farmers charges $53 monthly for dog coverage and $28 for cats on average. The company ranks fifth nationally for customer experience and maintains moderate Trustpilot and BBB ratings. Pet owners can select accident-only or comprehensive accident and illness plans, with optional wellness coverage add-ons available for routine care needs.
Farmers Pet Insurance Review: FAQ
Find answers to common Farmers pet insurance questions in this section.
Is Farmers pet insurance worth it in 2025?
Farmers delivers strong value in 2025, particularly for dog owners, ranking third nationally overall. The company excels with high coverage ratings, ranking second nationwide for cats and dogs. Monthly premiums average $53 for dogs and $28 for cats, making it a competitive choice for comprehensive pet protection.
What do Reddit users really think about Farmers pet insurance?
Reddit users show moderately positive opinions about Farmers' pet insurance. Our data reveals 70% positive sentiment, with seven favorable comments versus three negative ones. Users frequently praise Farmers' customer service and smooth claims process. Some Reddit discussions highlight concerns about coverage limitations and occasional delays in reimbursements, creating mixed experiences overall.
Does Farmers cover pre-existing conditions for pets?
No, Farmers does not cover pre-existing conditions. The company excludes any illness or injury that shows symptoms before coverage begins. Farmers may cover curable conditions if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions and ligament injuries are permanently excluded.
Can I get a discount for insuring multiple pets with Farmers?
Yes, Farmers provides a multiple pet discount when you insure more than one pet on the same policy. The company also offers additional savings through AAA membership discounts, workplace benefit programs and other qualifying memberships that can help reduce your premium costs.
Is Farmers pet insurance available in my state?
Yes, Farmers pet insurance is available nationwide in all 50 states. Premium costs vary significantly by location. Cat coverage starts as low as $19 monthly in Arkansas and reaches $36 in Massachusetts. Dog insurance ranges from $36 per month in Arkansas to $69 in Massachusetts, making location a key factor in your premium costs.
How We Rated Farmers Pet Insurance
Finding the right pet insurance can seem overwhelming, which is why we examined Farmers across three key evaluation areas:
Affordability (50% of score): We gathered premium data from various pet breeds, age groups and plan types, incorporating available discounts to reflect actual costs pet owners pay.
Customer Experience (30% of score): This assessment draws from customer reviews and ratings on platforms like Trustpilot and Reddit to gauge real user satisfaction levels.
Coverage Options (20% of score): We analyzed policy benefits, available add-ons and the breadth of protection to assess overall coverage value.
All cost evaluations used standardized quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Pets Best Insurance Services LLC." Accessed October 15, 2025.
- Trustpilot. "Pets Best Pet Health Insurance ." Accessed October 15, 2025.