Farmers Pet Insurance Review 2025: Pros, Cons & Pricing
Our expert's opinion on Farmers
Farmers pet insurance is offered via Pets Best Insurance Services, LLC and includes an Accident Only plan plus three tiered Accident & Illness plans with optional wellness add-ons.
The Accident Only plan reimburses at 90% with a $10,000 annual limit and a short three-day waiting period for accidents; tiered Accident & Illness options show a range of monthly prices and wellness bundles but specific deductibles and wellness budget amounts are not fully detailed in the available pricing table. Compared with major U.S. competitors, Farmers emphasizes a mid-market pricing strategy with a clear accident-focused option, tiered A&I plans, and add-on wellness packages aimed at owners seeking flexible coverage levels.
Best suited for pet owners seeking strong accident protection, middle-tier A&I options, and those with pets where accident cover is the priority rather than comprehensive illness cover.
Administered by Pets Best Insurance Services, LLC with claims processed through the Pets Best customer portal and a 24/7 vet hotline, the provider shows a provider-average rating of 3.6 overall and a Trustpilot score of 1.2/5 from 249 reviews; contact and claims portals are clearly listed for policyholders.
- ✅90% reimbursement for accidents
- ✅$10,000 annual limit on Accident Only plan
- ✅Accident Only option for lower-cost protection
- ✅Tiered Accident & Illness plans with wellness add-ons
- ✅24/7 veterinary hotline included
- ✅Specialist consultations covered for accidents
- ✅Claims portal for online submissions
- ❌Illnesses broadly excluded from Accident Only plan
- ❌Specific deductibles and wellness budgets not clearly disclosed
- ❌Major exclusions for cruciate and intervertebral disc conditions
- ❌No ambulance, boarding, cremation, or hygiene coverage
- ❌Trustpilot score very low: 1.2/5 from 249 reviews
Score- ✅90% reimbursement for accidents
- ✅$10,000 annual limit on Accident Only plan
- ✅Accident Only option for lower-cost protection
- ✅Tiered Accident & Illness plans with wellness add-ons
- ✅24/7 veterinary hotline included
- ✅Specialist consultations covered for accidents
- ✅Claims portal for online submissions
Our expert's opinion on Farmers
- ✅90% reimbursement for accidents
- ✅$10,000 annual limit on Accident Only plan
- ✅Accident Only option for lower-cost protection
- ✅Tiered Accident & Illness plans with wellness add-ons
- ✅24/7 veterinary hotline included
- ✅Specialist consultations covered for accidents
- ✅Claims portal for online submissions
- ❌Illnesses broadly excluded from Accident Only plan
- ❌Specific deductibles and wellness budgets not clearly disclosed
- ❌Major exclusions for cruciate and intervertebral disc conditions
- ❌No ambulance, boarding, cremation, or hygiene coverage
- ❌Trustpilot score very low: 1.2/5 from 249 reviews
Score- ✅90% reimbursement for accidents
- ✅$10,000 annual limit on Accident Only plan
- ✅Accident Only option for lower-cost protection
- ✅Tiered Accident & Illness plans with wellness add-ons
- ✅24/7 veterinary hotline included
- ✅Specialist consultations covered for accidents
- ✅Claims portal for online submissions
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At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
The Guarantees for Farmers
Farmers offers a choice between a narrowly focused Accident Only plan and a set of Accident & Illness plans designed to provide broader clinical coverage. The Accident Only option is positioned as an entry‑level emergency product that reimburses veterinary costs for accidental injuries, while the Accident & Illness tiered options aim to deliver more comprehensive protection for illness and injury. Plan positioning across the Accident & Illness lineup ranges from balanced to enhanced depending on selected features and optional wellness add‑ons.
Key clinical features under the Accident Only plan include emergency care, consultations, surgery, imaging and laboratory diagnostics for accidental injuries; the plan reimburses 90% of eligible accident costs up to a $10,000 annual limit. The Accident & Illness plans cover both accidents and illnesses and are offered with configurable reimbursement and limit options. Waiting periods are short for accidents, and illness waiting periods apply for illness cover; some orthopedic conditions may be subject to extended waiting or special rules.
Deductible, reimbursement mechanics and annual limit choices affect out‑of‑pocket exposure and premium levels across the Accident & Illness options. Routine preventive services (vaccinations, parasite control, routine dental cleaning) are not included in the Accident Only product, and wellness or preventive cover is available only as part of specific Accident & Illness plan configurations. Strengths include focused accidental coverage for emergency events and tiered Accident & Illness offerings for owners seeking broader protection; limitations include explicit exclusions for many illness categories under the Accident Only plan and certain operational exclusions for services such as ambulance transport and after‑life procedures.
| Accident Only plan | Accident & Illness plan | Accident & Illness + Essential Wellness | Accident & Illness + Best Wellness | |
|---|---|---|---|---|
| Plan positioning | Entry-level | Balanced | Enhanced (core + basic wellness) | Premium (core + expanded wellness) |
| Type of coverage | Accident only | Accident & Illness | Accident & Illness + Preventive services | Accident & Illness + Broader preventive services |
| Animals covered | Dogs, cats | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate | 90% | NC | NC | NC |
| Annual reimbursement limit | $10,000 | NC | NC | NC |
| Deductible (annual or per claim) | NC | NC | NC | NC |
| Age limits for enrollment | NC | NC | NC | NC |
| Pre-enrollment health questionnaire | NC | NC | NC | NC |
| Waiting periods (accident / illness) | 3 days / N/A | NC / NC | NC / NC | NC / NC |
| Lifetime coverage | NC | NC | NC | NC |
| Consultations | Yes (for accidents) | NC | NC | NC |
| Medications | Yes (for covered accidents) | NC | NC | NC |
| Hospitalization | Yes (for covered accidents) | NC | NC | NC |
| Surgery | Yes (for covered accidents) | NC | NC | NC |
| Diagnostic tests (imaging, labs) | Yes (for covered accidents) | NC | NC | NC |
| Dental care (routine cleaning) | No | NC | NC | NC |
| Preventive care (vaccines, parasite) | No | NC | Yes (with wellness) | Yes (with wellness) |
| Alternative medicine | No | NC | NC | NC |
| Travel coverage (care abroad) | NC | NC | NC | NC |
| Civil liability | NC | NC | NC | NC |
| Euthanasia | No | NC | NC | NC |
| Death & cremation coverage | No (cremation explicitly excluded) | NC | NC | NC |
| Theft or loss + search expenses | NC | NC | NC | NC |
| Boarding fees | No | NC | NC | NC |
Pre‑existing conditions are excluded across the product range: conditions that showed signs, received diagnosis or were treated prior to the policy effective date or during applicable waiting periods are not eligible for reimbursement. The Accident Only plan expressly excludes illnesses, including infectious diseases, metabolic and degenerative disorders, cancer and behavioral conditions, and also lists specific orthopedic exclusions such as cruciate ligament events and intervertebral disc disease. Non‑covered items and services include administrative fees, ambulance transport, routine supplies, prescription diets, grooming, cremation and other after‑life procedures.
Other common exclusions and limits address elective or cosmetic procedures (tail docking, declawing, ear cropping), breeding and reproductive care, experimental therapies, and injuries resulting from intentional acts or activities like organized fighting or racing. Certain repetitive‑incident rules and owner‑responsibility provisions permit claim denial where adequate preventive care was not maintained. Policyholders should note the Accident Only product’s limited scope for illnesses and that specific plan terms (deductible mechanics, lifetime cover options and full details of Accident & Illness configurations) determine the practical extent of cover and cost sharing under the broader Accident & Illness offerings.
Exclusions for Farmers
Farmers’ Accident Only exclusions are extensive: illnesses (infectious, parasitic, metabolic, cancer, behavioral and degenerative diseases) are categorically excluded, making the plan focused strictly on accidental injuries rather than comprehensive health risks.
Pre‑existing conditions and any injury or condition that showed signs before the policy effective date or during the waiting period are excluded, and cruciate ligament and intervertebral disc conditions are explicitly barred from coverage.
Undiagnosed injuries are not covered until a veterinarian provides a definitive accidental injury diagnosis, and many therapies and medications — notably alternative/holistic treatments, experimental therapies, and non‑formulary drugs — are excluded.
Administrative and non‑medical costs (ambulance transport, boarding, grooming, bedding, prescription pet food, cremation/burial) and losses from large‑scale events (epidemics, war, nuclear incidents) are also excluded, which narrows the scope of payable claims compared with typical accident & illness plans.
| Exclusions | Details |
|---|---|
| Medical exclusions | Illnesses and diseases (infectious bacterial/viral diseases, parasitic infections, metabolic disorders, cancer, degenerative diseases, behavioral conditions); pre‑existing conditions (signs or treatment prior to policy effective date or during waiting periods); specific orthopedic exclusions (cruciate ligament events; intervertebral disc conditions). |
| Diagnostic & confirmation exclusions | Undiagnosed injuries not covered until an affirmative veterinary diagnosis of an accidental injury is made. |
| Therapies & medication exclusions | Alternative or holistic treatments, experimental therapies, and medications not on the insurer’s formulary; limits on behavioral treatment unless otherwise specified. |
| Activity & owner‑related exclusions | Injuries from racing/training or repetitive behaviors with prior similar incidents; intentional acts (e.g., organized fighting); failures to follow veterinary preventative advice. |
| Non‑medical & administrative exclusions | Administrative fees, ambulance/transport costs, boarding, grooming, bedding, general supplies, prescription pet foods, and after‑life services (cremation/burial). |
| Catastrophic & external events | Losses arising from epidemics/pandemics, war, nuclear events, or similar large‑scale external incidents. |
Prices for Farmers
Farmers positions its pet offering in the mid‑range segment, combining an Accident Only plan that provides a high accident reimbursement rate (90%) with a substantial annual accident limit ($10,000) and a set of configurable Accident & Illness plans designed to scale coverage and cost. Reimbursement percentages, chosen deductibles, and annual coverage limits are the main levers that determine premium competitiveness: higher reimbursement levels and higher or unlimited annual limits push premiums upward but reduce potential out‑of‑pocket exposure, while lower reimbursement choices and higher deductibles lower premiums for budget‑minded owners.
Key differentiators include administration through a digital partner (Pets Best), access to a 24/7 veterinary support line for policyholders, and optional wellness add‑ons that allow owners to tailor routine care alongside core medical protection.
Compared with more traditional carriers, Farmers blends straightforward accident protection with flexible Accident & Illness plan options and digital service features, offering intermediate pricing and modularity rather than a strictly entry‑level or exclusively premium positioning.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Accident & Illness Plan | Accident & Illness Plan +Essential Wellness | Accident & Illness Plan +Best Wellness |
|---|---|---|---|
| Dog Labrador 1 year | $64.05 | $80.05 | $90.05 |
| Dog Labrador 3 years | $64.05 | $80.05 | $90.05 |
| Dog Labrador 7 years | $125.61 | $141.61 | $151.61 |
| Dog Australian Shepherd 1 year | $45.16 | $61.16 | $71.16 |
| Dog Australian Shepherd 3 years | $45.16 | $61.16 | $71.16 |
| Dog Australian Shepherd 7 years | $69.56 | $85.56 | $95.56 |
| Dog French Bulldog 1 year | $104.81 | $120.81 | $130.81 |
| Dog French Bulldog 3 years | $104.81 | $120.81 | $130.81 |
| Dog French Bulldog 7 years | $205.53 | $221.53 | $231.53 |
| Cat European Shorthair 1 year | $24.70 | $40.70 | $50.70 |
| Cat European Shorthair 3 years | $24.70 | $40.70 | $50.70 |
| Cat European Shorthair 7 years | $38.04 | $54.04 | $64.04 |
| Cat Maine Coon 1 year | $31.34 | $47.34 | $57.34 |
| Cat Maine Coon 3 years | $31.34 | $47.34 | $57.34 |
| Cat Maine Coon 7 years | $56.11 | $72.11 | $82.11 |
| Cat British Shorthair 1 year | $28.04 | $44.04 | $54.04 |
| Cat British Shorthair 3 years | $28.04 | $44.04 | $54.04 |
| Cat British Shorthair 7 years | $38.27 | $54.27 | $64.27 |
Farmers Promo Codes
| Farmers Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Reimbursement with Farmers
Reimbursements with Farmers are calculated by subtracting your annual deductible from the eligible veterinary bill and then applying the plan’s reimbursement percentage (90% on the Accident Only plan) up to your annual coverage limit.
✅ Example 1: Emergency consultation and x‑ray
Total vet costs: $480 (consultation $150 + x‑ray $200 + medication $130)
Deductible amount to subtract: $100 (annual deductible selected)
Amount reimbursable after deductible with the Accident Only plan: $480 – $100 = $380
90% of that amount reimbursed: $380 × 90% = $342
👉 You receive a reimbursement of $342.
ℹ️ _The deductible applies once per policy year; subsequent eligible claims in the same year are not reduced by the deductible again unless it resets._
✅ Example 2: Cruciate ligament repair (TPLO surgery)
Total vet costs: $6,500 (surgery $5,800 + anesthesia $400 + post‑op meds/rehab $300)
Deductible amount to subtract: $0 (deductible already met earlier in the policy year)
Amount reimbursable after deductible with the Accident Only plan: $6,500 – $0 = $6,500
90% of that amount reimbursed: $6,500 × 90% = $5,850
👉 You receive a reimbursement of $5,850.
ℹ️ _Large claims reduce your annual coverage limit; if your plan has a $10,000 annual limit, this claim would leave $4,150 of available coverage for the policy year._
✅ Example 3: Emergency hospitalization and imaging
Total vet costs: $2,200 (ER exam $400 + hospitalization $1,200 + imaging $400 + meds $200)
Deductible amount to subtract: $250 (annual deductible selected)
Amount reimbursable after deductible with the Accident Only plan: $2,200 – $250 = $1,950
90% of that amount reimbursed: $1,950 × 90% = $1,755
👉 You receive a reimbursement of $1,755.
ℹ️ _If you have a finite annual limit (for example $10,000), reimbursements are paid until that limit is reached; check your chosen annual limit when selecting coverage._
Assistance for Farmers
Farmers provides 24/7 access to veterinary experts via phone, chat, and email, offering immediate triage and clinical guidance for accident situations.
Claims can be submitted through an online customer portal and by phone, enabling paperless filing and more streamlined claim tracking for policyholders.
Ambulance or paid emergency transport is explicitly excluded, so owners should plan for transport costs during critical events.
Accident-only coverage limits assistance to injury events; owners seeking broader illness or wellness telemedicine or payment support should select an Accident & Illness plan or available riders.
| Assistance Farmers | Available? | Details |
|---|---|---|
| Advance payment | N.C. | N.C. |
| Payment facilities | N.C. | N.C. |
| Mobile app | N.C. | N.C. |
| Paperless claims process | ✅ | Claims can be submitted via the online customer portal. Paperless filing and digital documentation streamline claim handling. |
| Emergency vet service | ✅ | 24/7 access to veterinary experts by phone, chat, and email. Teletriage available for accident scenarios. |
| Vet/clinic partner network | N.C. | N.C. |
| Coverage abroad | N.C. | N.C. |
Paperless filing and digital documentation streamline claim handling.
Teletriage available for accident scenarios.
Customer Reviews on Farmers
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 1.2/5 (249 reviews) |
Public feedback specific to Farmers’ pet insurance is limited, and there are no clear, consistently reported strengths that emerge from pet‑insurance‑focused commentary. Where positive remarks appear across broader customer feedback, they tend to highlight satisfactory interactions with individual representatives or isolated cases of acceptable service.
Critical feedback is more prominent in the available ratings, with reviewers frequently expressing frustration about customer service responsiveness and aspects of claims handling and billing in their broader experiences with the company. These themes appear across general reviews rather than being narrowly focused on pet insurance products.
As of this review, there are no pet‑insurance‑specific customer review examples available on major public review platforms that can be cited for Farmers’ pet insurance.
Contact Farmers
| Farmers Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. You can also visit www.PetsBest.com or call 877-738-7237 to obtain a quote or begin the subscription process. |
| To request and track a reimbursement | Initiate a claim via the Pets Best customer portal (www.PetsBest.com/customerportal) or by calling 877-738-7237. Submit required documentation through the administrator’s claims channels as instructed when you open the claim. Required documents: N.C. Deadlines for submission: N.C. How to track a claim: via your online account or by contacting customer service. Reimbursement method(s): N.C. |
| To obtain a certificate of insurance | Request a certificate through your policyholder account on www.PetsBest.com or by calling 877-738-7237. Information typically required: policy number, policyholder name, and pet details. Delivery channels and processing times: N.C. |
| To contact assistance | Phone: 877-738-7237. Website/online account: www.PetsBest.com. Customer portal (claims/forms): www.PetsBest.com/customerportal. Postal address for notices: 965 Keller Road, Altamonte Springs, FL 32714. 24/7 vet support: access to a 24/7 veterinary helpline is available. Email contact address: N.C. |
| To cancel my policy | To cancel, contact Pets Best at 877-738-7237 or submit a cancellation request via your online policyholder account; provide your policy number and policyholder name. Specific cancellation notice periods, effective date rules, and refund/prorated refund conditions: N.C. Confirmation method of cancellation (written/email/portal): N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Farmers?
In most cases you pay the veterinary clinic at the time of treatment and then submit a claim through your Farmers policyholder portal or by contacting customer service.
Farmers does not guarantee an advance payment to the veterinarian as a standard service, so direct vet billing depends on whether your clinic has an arrangement with the administrator.
If a direct-pay option exists, the clinic will coordinate with Farmers or the administrator; otherwise you will be reimbursed after claim approval.
Use the 24/7 vet hotline or your online account for guidance on claim submission and any vet billing options.
How do I cancel my pet insurance policy with Farmers?
Request cancellation through your online customer account or by calling Farmers customer service and provide your policy number and desired cancellation effective date.
You may be asked to confirm the request in writing (email or a signed form) depending on administrator procedures, so keep a copy for your records.
Any prorated refund or final balance will be processed according to your policy terms and the effective cancellation date.
Retain the written confirmation of cancellation as proof of the termination and any refund details.
What are the waiting periods for accident and illness coverage with Farmers?
For the Accident Only plan, accident coverage typically begins after a short waiting period of 3 days.
Illnesses are not covered under the Accident Only plan, so there is no illness waiting period for that option.
Waiting periods for Accident & Illness plans vary by plan and must be confirmed on your policy schedule before treatment.
Always verify condition‑specific waiting rules for orthopedic or hereditary conditions when enrolling.
How do reimbursement rates, deductibles, and annual limits work with Farmers?
The Accident Only plan reimburses eligible accident expenses at 90% up to a $10,000 annual limit before any applicable deductible.
Deductible amounts and reimbursement percentages for Accident & Illness plans depend on the options you select at purchase and are shown on your declarations page.
You are responsible for the deductible first, then the insurer pays the chosen reimbursement percentage of eligible charges until the annual limit is reached.
Check your policy schedule to confirm your exact deductible, reimbursement rate, and limit.
What major exclusions should I be aware of under Farmers policies?
The Accident Only policy excludes illnesses of any kind, pre‑existing conditions, cruciate ligament and intervertebral disc conditions, and undiagnosed injuries until a vet confirms an accidental cause.
Alternative or experimental therapies, medications outside the formulary, activity‑related injuries from racing or organized fights, and owner‑caused or neglectful incidents are also excluded.
Administrative charges, ambulance transport, boarding, grooming, special diets, and after‑life services are not covered under this plan.
If you need coverage for routine wellness or specific treatments, consider available wellness add‑ons or a different plan and confirm any sublimits before enrolling.
Do I have to pay upfront for veterinary fees with Farmers?
In most cases you pay the veterinary clinic at the time of treatment and then submit a claim through your Farmers policyholder portal or by contacting customer service.
Farmers does not guarantee an advance payment to the veterinarian as a standard service, so direct vet billing depends on whether your clinic has an arrangement with the administrator.
If a direct-pay option exists, the clinic will coordinate with Farmers or the administrator; otherwise you will be reimbursed after claim approval.
Use the 24/7 vet hotline or your online account for guidance on claim submission and any vet billing options.
How do I cancel my pet insurance policy with Farmers?
Request cancellation through your online customer account or by calling Farmers customer service and provide your policy number and desired cancellation effective date.
You may be asked to confirm the request in writing (email or a signed form) depending on administrator procedures, so keep a copy for your records.
Any prorated refund or final balance will be processed according to your policy terms and the effective cancellation date.
Retain the written confirmation of cancellation as proof of the termination and any refund details.
What are the waiting periods for accident and illness coverage with Farmers?
For the Accident Only plan, accident coverage typically begins after a short waiting period of 3 days.
Illnesses are not covered under the Accident Only plan, so there is no illness waiting period for that option.
Waiting periods for Accident & Illness plans vary by plan and must be confirmed on your policy schedule before treatment.
Always verify condition‑specific waiting rules for orthopedic or hereditary conditions when enrolling.
How do reimbursement rates, deductibles, and annual limits work with Farmers?
The Accident Only plan reimburses eligible accident expenses at 90% up to a $10,000 annual limit before any applicable deductible.
Deductible amounts and reimbursement percentages for Accident & Illness plans depend on the options you select at purchase and are shown on your declarations page.
You are responsible for the deductible first, then the insurer pays the chosen reimbursement percentage of eligible charges until the annual limit is reached.
Check your policy schedule to confirm your exact deductible, reimbursement rate, and limit.
What major exclusions should I be aware of under Farmers policies?
The Accident Only policy excludes illnesses of any kind, pre‑existing conditions, cruciate ligament and intervertebral disc conditions, and undiagnosed injuries until a vet confirms an accidental cause.
Alternative or experimental therapies, medications outside the formulary, activity‑related injuries from racing or organized fights, and owner‑caused or neglectful incidents are also excluded.
Administrative charges, ambulance transport, boarding, grooming, special diets, and after‑life services are not covered under this plan.
If you need coverage for routine wellness or specific treatments, consider available wellness add‑ons or a different plan and confirm any sublimits before enrolling.
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