State Farm Pet Insurance Review

State Farm's pet insurance (offered through Trupanion) scores 2.35 out of 5 for cats and dogs in MoneyGeek's analysis. The company excels in coverage, ranking second nationally with strong policy benefits. Affordability remains a weakness, with State Farm ranking seventh among competitors. Pet owners should also consider the five-day waiting period for accident coverage before benefits begin.

State Farm offers pet insurance policies nationwide. The company achieves its best overall ranking of fifth place for cats in 18 states, while ranking seventh for dogs across all 50 states. State Farm ranks second nationally for coverage of cats and dogs, demonstrating consistent performance in this key category.

Review State Farm's performance alongside other major national pet insurance providers in our detailed comparison.

State Farm's pet insurance costs an average of $223 monthly ($2,683 annually) for dogs and $84 monthly ($1,007 annually) for cats. Your premium depends on several factors, including your location and pet breed.

Pet insurance costs vary by state based on veterinary expenses and local claim patterns. State Farm offers the most affordable pet insurance for cats in Arkansas at $47 monthly, while California has the highest rate at $125. For dogs, Arkansas provides the cheapest coverage at $126 compared to California at $330.

State Farm ranks seventh in affordability for cats and dogs, making it a mid-range option rather than the cheapest choice. Use the filterable table below to see whether State Farm is expensive for your pet's age group and your chosen deductible, annual limit and reimbursement rate.

State Farm provides partner offers, enrollment promotions and employer-sponsored plans instead of standard percentage discounts. The company offers Exam Day, Go Home Day and Adoption Day promotions, plus worksite programs and referral bonuses that lower initial costs or reduce waiting periods.

State Farm ranks fifth nationally for customer service with both cats and dogs. The company maintains a high rating from the Better Business Bureau and receives moderate feedback on Trustpilot. Reddit users share mixed experiences with State Farm's support team. Some customers praise the helpfulness of service representatives, while others report frustrations with claim processing delays and inconsistent support responses.

Reddit users show mixed feelings about State Farm pet insurance. Our analysis of 16 comments found 44% were positive, with seven favorable responses against nine negative ones. Users who liked State Farm praised quick customer service and clear policy language. Critics complained about rejected claims and gaps in coverage. These varied experiences highlight how different customers view Trupanion's claims process.

State Farm sells a single, lifetime-style medical insurance policy that can be customized by deductible amount and reimbursement rate. The plan emphasizes unlimited payouts, a per-condition deductible that doesn’t reset annually and variable payout percentages. State Farm covers unexpected illnesses and injuries, diagnostics, surgery, hospitalization, specialty care and certain rehabilitative and alternative treatments when applicable.

*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.

State Farm provides optional add-ons that expand coverage for specific treatments or add limited support services. Availability varies by state and plan terms.

State Farm (via Trupanion) provides dog insurance at a monthly average of $223, while cat coverage runs $84. The company ranks fifth nationwide for customer experience and maintains moderate Trustpilot and BBB ratings. Pet owners can select comprehensive accident and illness coverage, with the option to add wellness benefits for routine care like dental cleanings and vaccination.

Find answers to common questions about State Farm pet insurance coverage below.

Pet insurance shopping feels overwhelming with so many options available. We analyzed how State Farm performs across the following key areas:

Affordability (50% of score): We gathered premium data from various pet breeds, age groups and plan types, incorporating available discounts to reflect the actual costs pet owners pay.

Customer Experience (30% of score): We analyzed real user experiences from platforms like Trustpilot and Reddit to gauge genuine customer satisfaction.

Coverage Options (20% of score): We examined the breadth of policy benefits, available add-ons and overall protection to assess value for pet owners.

Our analysis used standardized quotes for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll with a $500 deductible, an unlimited annual limit and a 90% reimbursement rate.