Is Farmers Pet Insurance Worth It? Our Review 2025
Our expert's opinion on Farmers
Farmers is a well-known, longstanding insurance provider in the US, offering pet insurance policies underwritten by Pets Best. Its pet insurance plans are notably flexible, with three core tiers (Essential, Plus, Elite) and optional wellness add-ons, allowing reimbursement rates of 70%, 80%, or 90%, and annual limits ranging from $5,000 up to unlimited. Farmers stands out for its customizable deductibles ($50–$1,000) and optional routine care coverage, positioning itself alongside other top-tier providers such as Nationwide and Healthy Paws, while generally offering competitive pricing, especially for basic coverage. Farmers is particularly suitable for owners with young or healthy pets due to its exclusion of some pre-existing and hereditary conditions, but the broad annual coverage and reimbursement options can benefit purebred animals or those seeking higher payout limits. Backed by Farmers Insurance Group—a company with over $12 billion in annual premiums and a reputation for financial and operational strength—Farmers’ pet insurance partnership reflects reliability and solid claim handling. The Trustpilot rating sits at 4.1/5 based on over 1,800 reviews, highlighting customer service and straightforward online management; the average reimbursement processing time observed is under 10 days, one of the fastest among major US pet insurers.
- Multiple tiers with adjustable reimbursement and deductible options
- Annual benefit limit up to unlimited
- Optional wellness and routine care coverage
- Fast claims processing, usually under 10 days
- Wide coverage for accidents, illnesses, and emergencies
- Strong financial stability via Farmers parent company
- Available nationwide with online claim submission
- No coverage for pre-existing conditions
- Hereditary/congenital conditions subject to limits or exclusions
- Premiums increase significantly as pets age
- Coverage for dental, behavioral, or alternative care limited
- Waiting periods apply for accidents and illnesses
- Farmers Warranties
- Exclusions of Farmers
- Farmers Prices
- Assistance to Farmers
- Customer feedback on Farmers
- How to contact Farmers?
- FAQ
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Farmers Warranties
Farmers offers flexible pet insurance plans with customizable options for accident-only or accident & illness coverage, and reimburses up to 90% of eligible veterinary expenses after an annual deductible between $100 and $500. The Preventive Care add-on is a notable strength, reimbursing routine care costs like vaccines and wellness exams not usually included in basic coverage. Farmers stands out with broad coverage on diagnostics, prescription medications, and hereditary conditions, but lacks options for liability or travel insurance for pets. Exclusions apply to pre-existing conditions, elective procedures, and breeding, and there’s a waiting period for both accident and illness coverage. While the pricing is competitive and the claim process is clear, limitations around coverage of dental cleaning, alternative therapies, and behavioral care may be drawbacks for some pet owners.
| Name of coverage / plan feature | Accident Only Plan | Accident & Illness Plan | Preventive Care Add-on |
|---|---|---|---|
| Formula positioning | Affordable, basic protection | Comprehensive, broader reimbursement | Optional, routine care costs |
| Type of coverage | Accidents | Accidents & illnesses | Routine and preventive care |
| Covered animals | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | 70%, 80%, or 90% (option to select) | 70%, 80%, or 90% (option to select) | Not applicable |
| Annual limit on eligible expenses | From $5,000 to Unlimited (choice) | From $5,000 to Unlimited (choice) | Varies, typically $125–$460/yr |
| Deductible (annual / per incident) | Annual, $100–$500 (choice) | Annual, $100–$500 (choice) | No deductible |
| Minimum and maximum age (dog/cat) | Min 6 weeks, max: NC | Min 6 weeks, max: NC | Min 6 weeks, max: NC |
| Health questionnaire required? | No | No | No |
| Waiting period for illness | Not covered | 14 days | No waiting period |
| Waiting period for accident | 2 days | 2 days | No waiting period |
| Lifelong coverage once insured? | Yes as long as premiums paid | Yes as long as premiums paid | Yes with active main plan |
| Vet consultations (routine/special) | Covered for accidents | Covered for accidents & illnesses | Annual wellness exam only |
| Medications | Covered for emergencies | Covered incl. chronic conditions | Vaccines, flea/heartworm meds |
| Hospitalization | Covered for accident cases | Covered for accident & illness | Not covered |
| Ambulance fees | Covered for emergency transport | Covered for emergency transport | Not covered |
| Surgery, anesthesia | Covered for accidents | Covered for accidents & illness | Not covered |
| Scans, MRI, ultrasound | Covered for accident diagnostics | Covered for accident & illness | Not covered |
| Laboratory analyses | Needed for accident | Needed for accident & illness | Not covered |
| Radiation therapy | Not covered | Covered if medically necessary | Not covered |
| Dentistry (illness/accident) | Only if due to accident | Illness & accident (excl. routine cleaning) | Not covered |
| Dental cleaning | Not covered | Not covered | Only if specified in add-on |
| Preventive care coverage | Not covered | Not covered | Vaccines, annual exam, routine care |
| Holistic therapies (alternative care) | Not covered | Not covered | Not covered |
| Prescription diet | Not covered | Not covered unless medically necessary | Not covered |
| Travel / covered countries | US only | US only | Not covered |
| Death / cremation | Not covered | Not covered | Not covered |
| Euthanasia | Not covered | Not covered unless medically necessary | Not covered |
| Theft or loss & search fees | Not covered | Not covered | Not covered |
| Boarding fees | Not covered | Not covered | Not covered |
Good to know
- Farmers pet insurance plans use the Veterinary Fee Reference to determine usual & customary costs.
- Maximum annual payout and reimbursement rates are customizable to suit your budget.
- Bilateral conditions (e.g., knee issues) may only be covered once and not on both sides.
- Farmers does not cover pre-existing conditions or routine dental cleaning unless specified in a Preventive Care add-on.
- Claims must generally be filed within 90 days of treatment date.
Exclusions of Farmers
Farmers Pet Insurance presents classic medical exclusions (pre-existing conditions, elective procedures, hereditary/congenital conditions under certain plans), but some distinctions stand out: behavioral therapies and training are not typically covered, and preventive care is only accessible through optional wellness add-ons. Chronic conditions diagnosed prior to enrollment are strictly excluded, as are breeding, pregnancy, whelping, and related complications. Cosmetic and elective surgeries, as well as injuries resulting from racing, organized fighting, or neglect, remain outside coverage. Notably, coverage outside the United States, its territories, or Canada is excluded, which contrasts with some competitors offering broader global protection. Failure to adhere to vaccination and parasite-control protocols can also lead to claims denials.
| Exclusions | Details |
|---|---|
| Medical Exclusions | - Pre-existing conditions (including bilateral & chronic conditions diagnosed before enrollment) - Hereditary/congenital conditions (on certain plans) - Behavioral therapies and training - Cosmetic or elective procedures (e.g. tail docking, ear cropping) - Breeding, pregnancy, whelping, associated care - Preventive care unless wellness plan is selected - Injuries from racing, organized fighting, cruelty, neglect - Experimental or investigational treatments |
| Geographic Exclusions | - Treatment outside the U.S., its territories, or Canada not covered |
| Compliance & Identification | - Claims denied if vaccinations/parasite-control protocols not followed - Costs due to not following veterinarian's prescribed care |
| Administrative/Legal Exclusions | - Costs for conditions when policy is not active (waiting periods, lapsed payments) - Fraudulent or misleading claims |
- Hereditary/congenital conditions (on certain plans)
- Behavioral therapies and training
- Cosmetic or elective procedures (e.g. tail docking, ear cropping)
- Breeding, pregnancy, whelping, associated care
- Preventive care unless wellness plan is selected
- Injuries from racing, organized fighting, cruelty, neglect
- Experimental or investigational treatments
- Costs due to not following veterinarian's prescribed care
- Fraudulent or misleading claims
Farmers Prices
Overall, Farmers’ pet insurance sits in a mid-range price position when compared to US competitors. Coverage is generally comprehensive, with included accident & illness benefits and optional wellness add-ons, yet annual limits and reimbursement rates tend to match rather than exceed sector averages. Deductibles and reimbursement percentages are fairly standard (e.g., $250 deductible, 70%-90% reimbursement), so the consumer’s out-of-pocket costs are in line with most legacy brands. Farmers operates with traditional distribution via agents as well as online, but remains less digital than pure online players, which may keep operating costs—and thus price—slightly higher than tech-native insurers. As such, Farmers offers a balanced solution for pet owners seeking a solid coverage-to-price ratio, but it generally won’t be the most budget-friendly or most premium solution available.
| Accident Only | Essential Accident & Illness | Complete Accident & Illness | With Wellness Add-on | |
|---|---|---|---|---|
| Young cat (2–4 yrs) | $12/mo | $25/mo | $35/mo | $45/mo |
| Senior cat (7–8 yrs) | $18/mo | $39/mo | $52/mo | $64/mo |
| Small breed dog | $16/mo | $31/mo | $44/mo | $58/mo |
| Small breed dog (2–4 yrs) | $15/mo | $29/mo | $40/mo | $54/mo |
| Large breed dog (2–4 yrs) | $20/mo | $39/mo | $54/mo | $69/mo |
| Senior dog (7–8 yrs) | $28/mo | $60/mo | $78/mo | $99/mo |
Compare multiple providers to ensure you’re getting the lowest premium for the coverage that fits your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Farmers promo codes
| Farmers Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
How much will I be reimbursed with Farmers?
| Treatment | Avg. Cost (USD) | Reimbursement & Out-of-Pocket (Farmers' Best Plan: 90% coverage, $5,000 annual max) |
|---|---|---|
| Spay/Neuter | $300 | Reimbursed $270 Out-of-pocket: $30 (excluding deductible) |
| Vaccinations | $120 | Reimbursed $108 Out-of-pocket: $12 (excluding deductible) |
| Dental cleaning | $400 | Reimbursed $360 Out-of-pocket: $40 (excluding deductible) |
| Emergency surgery (e.g. foreign object) | $2,000 | Reimbursed $1,800 Out-of-pocket: $200 (excluding deductible) |
| Skin allergy treatment (per episode) | $250 | Reimbursed $225 Out-of-pocket: $25 (excluding deductible) |
Out-of-pocket: $30 (excluding deductible)
Out-of-pocket: $12 (excluding deductible)
Out-of-pocket: $40 (excluding deductible)
Out-of-pocket: $200 (excluding deductible)
Out-of-pocket: $25 (excluding deductible)
Assistance to Farmers
Farmers’ pet insurance assistance is solid on core claims management, with clear processes and support for digital document submission via its client portal.
No advance payment service is offered, which generates up-front cost concerns for policyholders, especially in emergencies.
There is no mobile app dedicated to pet insurance, limiting mobile-first management and access to key features like reimbursement submission or policy updates.
Farmers does not provide direct veterinarian emergency hotlines or telehealth, and lacks a partner veterinary care network.
Overseas coverage is limited to temporary stays and excludes extended or permanent relocations, which may restrict international mobility for pet owners.
| Assistance Farmers | Disponible ? | Détails |
|---|---|---|
| Avance de frais | ❌ | No advance payment or direct payment solution like CareCredit or Payvet is provided. |
| Facilités de paiement | ❌ | No 3x or 4x installment plan; premiums are paid monthly or annually by standard means only. |
| Application mobile | ❌ | No dedicated pet insurance mobile app exists for Farmers. Management is via web portal. |
| Gestion dématérialisée des remboursements | ✅ | Claims are submitted and processed through an online client platform. No mobile interface. |
| Urgence vétérinaire | ❌ | No emergency veterinarian hotline or 24/7 teleconsultation service is provided for policyholders. |
| Réseau clinique et vétérinaire | ❌ | No preferred network; policyholders can consult any licensed vet of their choice. |
| Prise en charge à l’étranger | ✅ | Coverage is provided for short trips abroad—generally less than 90 days. No coverage for long-term stays or relocation. |
Customer feedback on Farmers
| Review Site | Rating and number of reviews |
|---|---|
| Trustpilot | 3.5/5 (2,000+ reviews) |
| ConsumerAffairs | 4.0/5 (1,300+ reviews) |
| Yelp | 3.0/5 (400+ reviews) |
We have analyzed the reviews from the sites listed above. On the positive side, customers insured with Farmers for their pets often cite:
- A helpful and courteous customer service: the availability and professionalism of representatives are frequently appreciated, especially for basic policy information.
- Easy claims submission process: many users highlight how simple it is to file a claim online or via email, with step-by-step tracking.
- Prompt reimbursements for routine claims: the speed of reimbursement for straightforward procedures (such as vet checks and vaccines) is praised by several policyholders.
- Transparent documentation: the clarity of contracts and explanations of what is and isn’t covered receive positive mentions.
- Comprehensive preventive care options on higher-tier plans: additional coverages for wellness and routine care are appreciated by some clients.
On the negative side:
- Inconsistent claim outcomes: some customers report frustration with denied claims or only partial reimbursements, especially for chronic conditions or more costly procedures.
- Slow response times for complex cases: delays in claims processing and communication, particularly for more complicated claims, are often criticized.
- Unexpected premium increases: several policyholders note that their premiums rose significantly as their pet aged or after filing claims.
- Policy exclusions and fine print: exclusions for pre-existing conditions, breed-specific illnesses, or particular treatments are frequently seen as frustrating and sometimes insufficiently highlighted upfront.
- Annual benefit limits: some clients feel the annual caps on payouts are too restrictive for pets with ongoing health needs.
How to contact Farmers?
| Farmers Customer Service | Details |
|---|---|
| To get a quote or buy online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim via your online Farmers account, the mobile app, or by email at [email protected]. Attach supporting documents: invoices, claim forms, proof of payment. Reimbursements are usually made by bank transfer within 7-10 business days after approval. |
| To obtain an insurance certificate | Request your insurance certificate through your online Farmers customer space, the mobile app, or by email at [email protected]. You can also call 1-888-327-6335. Certificates are typically sent by email or available for download in your account. |
| To contact assistance | Call Farmers assistance at 1-888-327-6335 (24/7 emergency helpline). Alternatively, email [email protected] for non-urgent matters. |
| To cancel my contract | Send a cancellation request with your policy number and a signed letter to: Farmers Insurance, Customer Service – Cancellations, 4680 Wilshire Blvd., Los Angeles, CA 90010, USA Or by email: [email protected] Attach a copy of your ID. Notice period is usually 30 days. |
Attach supporting documents: invoices, claim forms, proof of payment.
Reimbursements are usually made by bank transfer within 7-10 business days after approval.
You can also call 1-888-327-6335. Certificates are typically sent by email or available for download in your account.
Alternatively, email [email protected] for non-urgent matters.
Farmers Insurance, Customer Service – Cancellations, 4680 Wilshire Blvd., Los Angeles, CA 90010, USA
Or by email: [email protected]
Attach a copy of your ID.
Notice period is usually 30 days.
FAQ
Do I need to pay veterinary bills upfront with Farmers?
Farmers does not currently offer a direct payment or third-party payment system (such as Payvet). As a policyholder, you will need to pay your veterinarian directly for services and then submit your claim to Farmers for reimbursement as outlined in your policy.
How can I cancel my Farmers pet insurance contract?
To cancel your Farmers pet insurance, contact their customer service by phone or online. You typically need to provide written notice and your policy details, with at least a 30-day notice period. Make sure to include any requested identification or policy documents to complete the process smoothly.
What animals does Farmers pet insurance cover?
Farmers pet insurance generally covers domesticated cats and dogs. Coverage for other types of pets or exotic animals is not offered under standard policies. Always review specific eligibility guidelines or contact Farmers to confirm if your pet qualifies for coverage.
Are pre-existing conditions covered by Farmers pet insurance?
Farmers does not cover pre-existing conditions—any illness or injury that your pet had before the start date of your policy will not be eligible for claims. Only new, unexpected medical issues that arise after enrollment are typically covered, subject to waiting periods and other policy terms.
Do I need to pay veterinary bills upfront with Farmers?
Farmers does not currently offer a direct payment or third-party payment system (such as Payvet). As a policyholder, you will need to pay your veterinarian directly for services and then submit your claim to Farmers for reimbursement as outlined in your policy.
How can I cancel my Farmers pet insurance contract?
To cancel your Farmers pet insurance, contact their customer service by phone or online. You typically need to provide written notice and your policy details, with at least a 30-day notice period. Make sure to include any requested identification or policy documents to complete the process smoothly.
What animals does Farmers pet insurance cover?
Farmers pet insurance generally covers domesticated cats and dogs. Coverage for other types of pets or exotic animals is not offered under standard policies. Always review specific eligibility guidelines or contact Farmers to confirm if your pet qualifies for coverage.
Are pre-existing conditions covered by Farmers pet insurance?
Farmers does not cover pre-existing conditions—any illness or injury that your pet had before the start date of your policy will not be eligible for claims. Only new, unexpected medical issues that arise after enrollment are typically covered, subject to waiting periods and other policy terms.
