State Farm Pet Insurance Review

State Farm’s pet insurance (through Trupanion) earns a 2.35 out of 5 score for cats and dogs in MoneyGeek’s review. It ranks second nationwide for coverage, offering solid policy benefits. Affordability is where it falls short, ranking seventh among competitors. Note that there’s also a five-day waiting period before accident coverage begins.

Learn more about the best pet insurance options for your pet:

State Farm offers pet insurance across the country. It ranks fifth overall for cat coverage in 18 states and seventh for dogs nationwide. While State Farm doesn't offer the best pet insurance overall, the company places second nationally for coverage quality for both cats and dogs, showing strong and consistent performance in this area.

See how State Farm compares with other major pet insurance providers in our detailed review.

State Farm’s pet insurance costs $223 per month ($2,683 per year) for dogs and $84 per month ($1,007 per year) for cats. Actual rates vary based on factors like your location and your pet’s breed.

Pet insurance rates change from state to state depending on local vet costs and claim trends. In Arkansas, State Farm offers the most affordable pet insurance for cats at $47 per month, while California has the highest at $125. For dogs, Arkansas again has the lowest rate at $126, compared to $330 in California.

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 pet insurance 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's pet insurance coverage includes 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.

Browse through our review guides for the top pet insurance companies for your pet:

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.