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, but premiums run higher, especially for cat owners. Farmers requires a 14-day waiting period for accidents, which is standard for the industry.
Farmers Pet Insurance Review
Updated: April 28, 2026
Advertising & Editorial Disclosure
Farmers Pet Insurance Review: Key Takeaways
Farmers ranks sixth for 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 an F 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 add-ons.
Farmers Pet Insurance Ratings
Data filtered by:
Cat
| Affordability | 3.61 | 6 |
| Overall Score | 3.8 | 7 |
| Customer Experience | 3.95 | 5 |
| Coverage | 4.04 | 2 |
WHO IS FARMERS PET INSURANCE BEST FOR?
Farmers ranks among the best pet insurance companies for owners seeking affordable deductibles and unlimited coverage. The provider also includes hereditary conditions and behavioral therapy in standard plans without added costs.
Learn more about the best pet insurance options for your pet:
Farmers Pet Insurance Ratings by State
Farmers offers pet insurance nationwide across all 50 states. For dogs, it achieves second place in one state and third place in 25 states. Cat coverage performs less strongly, with third place in one state and seventh place in 23 states. While Farmers doesn't provide the best pet insurance overall, the company excels with coverage, ranking second nationally in all states for dogs and cats.
Data filtered by:
Affordability
Cat
| South Carolina | 3.2 | 8 |
| Illinois | 3.23 | 7 |
| Nevada | 3.34 | 7 |
| Nebraska | 3.36 | 6 |
| Tennessee | 3.41 | 6 |
| Idaho | 3.45 | 8 |
| Texas | 3.48 | 7 |
| North Dakota | 3.49 | 8 |
| Arizona | 3.49 | 6 |
| Florida | 3.51 | 6 |
| New Jersey | 3.53 | 6 |
| Kansas | 3.53 | 7 |
| Michigan | 3.54 | 7 |
| New York | 3.56 | 7 |
| Oklahoma | 3.56 | 8 |
| Wyoming | 3.57 | 8 |
| Delaware | 3.57 | 7 |
| Alaska | 3.58 | 7 |
| Arkansas | 3.58 | 6 |
| Minnesota | 3.59 | 8 |
| Connecticut | 3.59 | 8 |
| Washington | 3.6 | 7 |
| Indiana | 3.6 | 7 |
| Montana | 3.61 | 7 |
| Wisconsin | 3.62 | 6 |
| Vermont | 3.62 | 6 |
| Massachusetts | 3.64 | 8 |
| Georgia | 3.64 | 6 |
| Mississippi | 3.64 | 7 |
| New Hampshire | 3.66 | 7 |
| West Virginia | 3.66 | 7 |
| Louisiana | 3.66 | 6 |
| Rhode Island | 3.67 | 7 |
| California | 3.68 | 8 |
| Missouri | 3.68 | 6 |
| Alabama | 3.7 | 6 |
| Colorado | 3.71 | 7 |
| New Mexico | 3.71 | 7 |
| South Dakota | 3.72 | 6 |
| Hawaii | 3.73 | 7 |
| Iowa | 3.75 | 7 |
| Oregon | 3.75 | 8 |
| North Carolina | 3.76 | 6 |
| Kentucky | 3.77 | 6 |
| Ohio | 3.78 | 6 |
| Utah | 3.78 | 8 |
| Pennsylvania | 3.78 | 7 |
| Virginia | 3.84 | 8 |
| Maine | 3.85 | 6 |
| Maryland | 4 | 5 |
Farmers Pet Insurance Comparison
See how Farmers pet insurance performs against national competitors.
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 dogs and cats. |
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 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 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 coverage scores. |
Farmers vs. Lemonade | • Dogs: 4.05 vs. 4.50 • Cats: 3.80 vs. 4.25 | Lemonade is cheaper and scores higher, Farmers offers stronger coverage for dogs and cats. |
Farmers vs. Liberty | • Dogs: 4.05 vs. 2.65 • Cats: 3.80 vs. 2.30 | Farmers outperforms Liberty 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 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 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. Location and pet breed affect costs.
| Cat | $28 | $32 | $329 | $379 | 13% |
| Dog | $53 | $60 | $643 | $723 | 11% |
Farmers Pet Insurance Rates by State
Veterinary costs and local claim patterns affect what you pay. Farmers offers the cheapest pet insurance for cats in Arkansas at $19 monthly and $36 in Massachusetts. For dogs, Farmers charges $36 monthly in Arkansas and $69 in Massachusetts.
Data filtered by:
Cat
| Arkansas | $19 | $221 |
| Alabama | $20 | $242 |
| North Dakota | $21 | $253 |
| Missouri | $22 | $260 |
| Kentucky | $22 | $261 |
| Louisiana | $22 | $265 |
| Montana | $23 | $276 |
| Oklahoma | $23 | $275 |
| Iowa | $23 | $277 |
| Mississippi | $24 | $280 |
| West Virginia | $24 | $285 |
| Rhode Island | $24 | $286 |
| New Mexico | $24 | $291 |
| South Dakota | $25 | $291 |
| North Carolina | $25 | $293 |
| Georgia | $25 | $297 |
| Nebraska | $25 | $298 |
| Indiana | $25 | $298 |
| Kansas | $25 | $299 |
| Ohio | $25 | $302 |
| Tennessee | $26 | $304 |
| Wyoming | $26 | $305 |
| Vermont | $26 | $306 |
| Utah | $27 | $314 |
| Alaska | $27 | $321 |
| Maryland | $27 | $323 |
| Idaho | $28 | $329 |
| Michigan | $28 | $330 |
| Delaware | $28 | $331 |
| Hawaii | $28 | $333 |
| Nevada | $29 | $341 |
| Minnesota | $29 | $342 |
| Pennsylvania | $29 | $343 |
| South Carolina | $29 | $344 |
| Texas | $29 | $348 |
| Virginia | $30 | $352 |
| Wisconsin | $30 | $353 |
| New York | $30 | $358 |
| New Jersey | $31 | $372 |
| Florida | $31 | $373 |
| Connecticut | $32 | $376 |
| Washington | $32 | $379 |
| New Hampshire | $32 | $382 |
| Maine | $34 | $400 |
| Arizona | $34 | $401 |
| Illinois | $34 | $408 |
| Oregon | $35 | $410 |
| Colorado | $35 | $414 |
| California | $35 | $417 |
| Massachusetts | $36 | $424 |
Farmers Pet Insurance Rates by Breed
Farmers' premiums change based on pet breed. Cat owners pay $15 monthly for Russian Blues but $33 for Abyssinians. Dog premiums start at $18 for Chihuahuas and reach $117 for Bernese Mountain Dogs. Price differences reflect breed health risks and veterinary costs.
Data filtered by:
Select
Select
| Russian Blue | $15 | $179 |
| Siamese | $15 | $183 |
| Burmese | $16 | $192 |
| Domestic Shorthair | $16 | $192 |
| Bombay | $17 | $197 |
| Chinchilla | $18 | $207 |
| Chihuahua | $18 | $217 |
| Himalayan | $19 | $222 |
| Persian | $19 | $220 |
| Balinese | $20 | $242 |
| British Shorthair | $20 | $247 |
| Scottish Fold | $20 | $242 |
| Munchkin | $21 | $259 |
| Jack Russell Terrier | $22 | $263 |
| Shih Tzu | $22 | $268 |
| Small Mix (Under 20 pounds) | $22 | $266 |
| Australian Terrier | $23 | $270 |
| Maltipoo | $23 | $275 |
| Bengal | $23 | $272 |
| Birman | $23 | $275 |
| Tonkinese | $23 | $272 |
| Cornish Rex | $24 | $288 |
| Sphynx | $24 | $281 |
| British Longhair | $24 | $283 |
| Australian Shepherd | $24 | $282 |
| Australian Silky Terrier | $24 | $284 |
| Cockapoo | $24 | $291 |
| Papillon | $24 | $291 |
| Pekingese | $24 | $284 |
| Ragdoll | $24 | $290 |
| Norwegian Forest cat | $25 | $296 |
| Miniature Poodle | $25 | $299 |
| Small Mix (11-25) | $25 | $305 |
| Exotic Shorthair | $26 | $310 |
| Small Mix (10 and less pounds) | $26 | $311 |
| Havanese | $26 | $313 |
| Lhasa Apso | $26 | $308 |
| Yorkshire terrier | $26 | $307 |
| Small Mix (0-20) | $26 | $312 |
| Small Mix (1-10 pounds) | $26 | $319 |
| Mixed breed Small (up to 20lbs when full grown) | $26 | $317 |
| Maine Coon | $26 | $312 |
| Snowshoe | $26 | $314 |
| Border Terrier | $27 | $320 |
| Cairn Terrier | $27 | $323 |
| Dachshund | $27 | $321 |
| Miniature Fox Terrier | $27 | $320 |
| Miniature Pinscher | $27 | $316 |
| Miniature Schnauzer | $27 | $318 |
| Norwich Terrier | $27 | $324 |
| Puggle | $27 | $325 |
| Shiba Inu | $27 | $319 |
| Mixed Breed Small (>10 lbs) | $27 | $327 |
| Serengeti | $28 | $327 |
| Affenpinscher | $28 | $335 |
| Bichon Frise | $28 | $335 |
| Coton De Tulear | $28 | $328 |
| Maltese | $28 | $334 |
| Norfolk Terrier | $28 | $332 |
| Mixed Breed Small (11-30 lbs) | $28 | $343 |
| American Eskimo | $29 | $343 |
| Basenji | $29 | $347 |
| Toy Poodle | $29 | $347 |
| Border Collie | $30 | $357 |
| German Spitz | $30 | $357 |
| Schnoodle | $30 | $357 |
| Small Mix (11-30) | $30 | $361 |
| Siberian | $30 | $355 |
| Australian Mist | $30 | $356 |
| Savannah | $30 | $357 |
| Dingo | $31 | $371 |
| Goldendoodle | $31 | $366 |
| Miniature Dachshund | $31 | $369 |
| Pomeranian | $31 | $370 |
| West Highland White Terrier | $31 | $368 |
| Small Mix (25 and less pounds) | $31 | $365 |
| Devon Rex | $31 | $365 |
| Brussels Griffon | $32 | $375 |
| Fox Terrier | $32 | $384 |
| Labradoodle | $32 | $381 |
| Shetland Sheepdog | $32 | $378 |
| Siberian Husky | $32 | $377 |
| Small Mix (22 pounds or less) | $32 | $382 |
| Australian Cattle Dog | $32 | $389 |
| Bearded Collie | $32 | $392 |
| Keeshond | $32 | $388 |
| Whippet | $32 | $386 |
| Toy Mix (10 and less pounds) | $33 | $394 |
| Abyssinian | $33 | $390 |
| Mixed Breed Medium (31-50 lbs) | $33 | $393 |
| Beagle | $33 | $396 |
| Cavapoo | $33 | $403 |
| Irish Terrier | $33 | $399 |
| Morkie | $33 | $403 |
| Welsh Corgi Cardigan | $33 | $398 |
| Boston Terrier | $34 | $419 |
| Japanese Chin | $34 | $411 |
| Standard Schnauzer | $34 | $414 |
| Welsh Springer Spaniel | $34 | $410 |
| Medium Mix (20-55 pounds) | $35 | $421 |
| German Pinscher | $35 | $421 |
| German Shorthaired Pointer | $35 | $420 |
| Puli | $35 | $424 |
| Wire Fox Terrier | $35 | $430 |
| Cavachon | $36 | $430 |
| Medium Mix (31-59 pounds) | $36 | $435 |
| Belgian Shepherd Malinois | $36 | $432 |
| English Foxhound | $36 | $441 |
| Icelandic Sheepdog | $36 | $442 |
| Pug | $36 | $438 |
| Soft Coated Wheaten Terrier | $36 | $434 |
| Tibetan Terrier | $36 | $437 |
| Medium Mix (26-50 pounds) | $37 | $441 |
| Medium Mix (20-70 pounds) | $37 | $442 |
| Medium Mix (31-50 pounds) | $37 | $443 |
| Cocker spaniel | $37 | $443 |
| English Springer Spaniel | $37 | $443 |
| Finnish Lapphund | $37 | $451 |
| Harrier | $37 | $445 |
| Italian Greyhound | $37 | $449 |
| Peruvian Hairless Dog | $37 | $444 |
| Pointer | $37 | $452 |
| Groodle | $37 | $451 |
| Alaskan Husky | $38 | $455 |
| English Pointer | $38 | $454 |
| English Setter | $38 | $456 |
| Irish Setter | $38 | $464 |
| Petit Basset Griffon Vendeens | $38 | $464 |
| Scottish Terrier | $38 | $454 |
| Mixed Dog (21-50 pounds) | $39 | $468 |
| Chow Chow | $39 | $464 |
| Italian Spinone | $39 | $475 |
| Staffordshire Bull Terrier | $39 | $474 |
| Japanese Spitz | $40 | $478 |
| American Hairless Terrier | $40 | $480 |
| Large Mix (51-110 pounds) | $40 | $483 |
| Afghan Hound | $40 | $478 |
| Bracco Italiano | $40 | $487 |
| Cavalier King Charles Spaniel | $40 | $484 |
| Pembroke Welsh Corgi | $40 | $479 |
| Samoyed | $40 | $483 |
| Standard Poodle | $40 | $484 |
| Welsh Corgi Pembroke | $40 | $479 |
| English Toy Terrier | $41 | $491 |
| American Foxhound | $41 | $493 |
| Foxhound | $41 | $493 |
| Australian Kelpie | $42 | $499 |
| Briard | $42 | $499 |
| German Shepherd | $42 | $507 |
| Old English Sheepdog | $42 | $501 |
| Husky | $42 | $510 |
| Pitbull | $43 | $515 |
| Large Mix (Over 70 pounds) | $43 | $525 |
| Giant Mix (111 pounds+) | $43 | $525 |
| Large Mix (51-100 pounds) | $44 | $528 |
| Large Mix (61+ pounds) | $44 | $528 |
| Medium Mix (23-70 pounds) | $44 | $529 |
| Mixed Breed Large (51-90 lbs) | $44 | $528 |
| Field Spaniel | $44 | $528 |
| Norwegian Elkhound | $44 | $527 |
| Saluki | $44 | $527 |
| Large Mix (55-90 pounds) | $44 | $539 |
| Dalmatian | $45 | $536 |
| Smooth Collie | $45 | $535 |
| Bull Terrier | $46 | $548 |
| Estrela Mountain Dog | $46 | $551 |
| Portuguese Water Dog | $46 | $554 |
| Hungarian Vizsla | $47 | $566 |
| Vizsla | $47 | $566 |
| Mixed Breed | $47 | $568 |
| Mixed Dog (51-90 pounds) | $47 | $562 |
| Giant Mix (110 pounds+) | $48 | $574 |
| Large Mix (60-109 pounds) | $48 | $574 |
| Medium Mix (26-59 pounds) | $48 | $574 |
| Small Mix (0-25) | $48 | $574 |
| Collie | $48 | $578 |
| Golden Retriever | $48 | $576 |
| Miniature Bull Terrier | $48 | $577 |
| Airedale Terrier | $49 | $581 |
| Gordon Setter | $49 | $579 |
| Welsh Terrier | $49 | $590 |
| Mixed Dog (91 pounds+) | $49 | $592 |
| Alaskan Malamute | $50 | $601 |
| Great Pyrenees | $50 | $601 |
| Giant Mix (100 pounds+) | $51 | $609 |
| American Staffordshire Terrier | $52 | $617 |
| Borzoi | $52 | $619 |
| Komondor | $52 | $617 |
| Basset Fauve de Bretagne | $52 | $626 |
| Rough Collie | $52 | $629 |
| Scottish Deerhound | $53 | $626 |
| Labrador Retriever | $53 | $643 |
| Akita | $54 | $659 |
| Corgi | $55 | $660 |
| Greyhound | $55 | $665 |
| Basset Hound | $56 | $674 |
| Central Asian Shepherd Dog | $57 | $693 |
| Rhodesian Ridgeback | $57 | $685 |
| Weimaraner | $58 | $698 |
| Alsation | $59 | $708 |
Is Farmers Pet Insurance Expensive?
Farmers ranks sixth for cat insurance and fourth for dogs in our study. It's reasonably priced rather than the cheapest available. Costs depend on pet age and chosen deductible, annual limit and reimbursement rate.
Data filtered by:
Cat
Middle Aged
$1,000
$10,000
70%
| $17 | $199 | 21% |
Farmers Pet Insurance Discounts
Farmers provides pet insurance discounts that lower premiums. Customers receive a 5% discount on BestBenefit accident and illness plans in most states and 5% when they insure more than one pet. Some veterinary clinics participate in the My Vet Knows Best program. Owners save by enrolling pets within 10 days of an exam.
Employer group benefit | 5% | Must join a participating employer's group plan |
Multiple pets | 5% | Must insure more than one pet with Farmers |
Veterinary staff | 5% | Must work as a staff at a veterinary clinic |
Military | 5% | Must have a military background (active duty service member, veteran or military spouse/kid) |
Farmers Pet Insurance Customer Service Reviews and Ratings
Farmers places fifth nationally for customer service among cat and dog insurers. The company maintains a low Better Business Bureau rating and receives moderate reviews on Trustpilot. Reddit feedback 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 3.9 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 have mixed opinions about Farmers in our analysis of 10 comments. Farmers earned 70% positive feedback, with seven favorable and three negative comments. Users praised responsive customer service and clear policy language. Others criticized claim denials and coverage gaps, showing varied experiences with Farmers' claims process. Results reflect a small sample of user opinions.
Farmers Pet Insurance Coverage
Farmers offers pet insurance 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.
$100 to $1,000 | |
$5,000, $10,000, Unlimited | |
70%, 80%, 90% | |
Coverage for accident-only plan | Treatment for injuries such as broken bones, swallowed objects, poisoning, 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 |
Covers prescribed medications for an eligible accident or illness | |
Chronic conditions | Continued coverage if the condition was not pre-existing and the policy is renewed |
3 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events and related conditions | |
Enrollment restrictions | No upper age limits |
*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 |
Exam Fees | Provides coverage for examinations performed by a licensed vet to treat a covered accident or illness |
Physical Therapy | Covers treatments like acupunture, chiropractic, treadmill therapy, gait training and more |
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.
Browse through our review guides for the top pet insurance companies for your pet:
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 pet insurance is worth it in 2025 for dog owners, ranking third nationally. The company ranks second nationwide for cats and dogs. Monthly premiums average $53 for dogs and $28 for cats.
What do Reddit users really think about Farmers pet insurance?
Reddit users have moderately positive opinions about Farmers' pet insurance. Our data reveals 70% positive sentiment, with seven favorable and three negative comments. Users praise Farmers' customer service and smooth claims process. Some highlight concerns about coverage limitations and occasional delays in reimbursements.
Does Farmers cover pre-existing conditions for pets?
No, Farmers doesn't 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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Better Business Bureau. "Pets Best Insurance Services LLC." Accessed May 8, 2026.
- Trustpilot. "Pets Best Pet Health Insurance ." Accessed May 8, 2026.