Farmers Pet Insurance 2025: Full Review of Coverage, Pros & Cons
Our expert's opinion on Farmers
Farmers pet insurance, administered by Pets Best and underwritten by Independence American Insurance Company, offers flexible accident-only and comprehensive accident-and-illness plans designed for a broad spectrum of US pet owners.
With annual reimbursement limits from $5,000 to unlimited, customizable deductibles ($50–$1,000), and reimbursement rates of 70%, 80%, or 90%, Farmers positions itself as a cost-competitive option (average premium $33/month—below the US average), with a pricing strategy that targets mainstream budgets without sacrificing coverage depth.
Compared to providers like Lemonade and Spot, Farmers stands out for unlimited coverage choices, broad enrollment age (from 7 weeks, no upper age cap), and lower average pricing, albeit with some reports of slower claims than top digital-first rivals.
Farmers is ideally suited for owners of young or senior dogs and cats, purebreds or mixes, seeking versatile coverage with selectable cost-sharing, including those requiring high reimbursement or higher annual limits.
Farmers Insurance Group is a major US carrier (over $12B in premium volume; A rating), with pet insurance administered via Pets Best, which holds a 4/5 Trustpilot rating from 7,600+ reviews; average claims are processed within 4–7 days, although delays may occur during busy periods.
- ✅Choice of accident-only, comprehensive, or wellness plans
- ✅Annual limits up to unlimited
- ✅Wide deductible and reimbursement rate options
- ✅Enrollment from 7 weeks old, no upper age limit
- ✅Coverage across all US states
- ✅Low average premium relative to competitors
- ✅Most claims processed in 4–7 days
- ❌No illness coverage with accident-only plan
- ❌Premiums may increase at renewal
- ❌Occasional slow claim payouts (sometimes over a month)
- ❌No 30-day money-back guarantee
- ❌Some negative customer reviews on denied claims
- ✅Choice of accident-only, comprehensive, or wellness plans
- ✅Annual limits up to unlimited
- ✅Wide deductible and reimbursement rate options
- ✅Enrollment from 7 weeks old, no upper age limit
- ✅Coverage across all US states
- ✅Low average premium relative to competitors
- ✅Most claims processed in 4–7 days
Our expert's opinion on Farmers
ScoreFarmers pet insurance, administered by Pets Best and underwritten by Independence American Insurance Company, offers flexible accident-only and comprehensive accident-and-illness plans designed for a broad spectrum of US pet owners.
With annual reimbursement limits from $5,000 to unlimited, customizable deductibles ($50–$1,000), and reimbursement rates of 70%, 80%, or 90%, Farmers positions itself as a cost-competitive option (average premium $33/month—below the US average), with a pricing strategy that targets mainstream budgets without sacrificing coverage depth.
Compared to providers like Lemonade and Spot, Farmers stands out for unlimited coverage choices, broad enrollment age (from 7 weeks, no upper age cap), and lower average pricing, albeit with some reports of slower claims than top digital-first rivals.
Farmers is ideally suited for owners of young or senior dogs and cats, purebreds or mixes, seeking versatile coverage with selectable cost-sharing, including those requiring high reimbursement or higher annual limits.
Farmers Insurance Group is a major US carrier (over $12B in premium volume; A rating), with pet insurance administered via Pets Best, which holds a 4/5 Trustpilot rating from 7,600+ reviews; average claims are processed within 4–7 days, although delays may occur during busy periods.
- ✅Choice of accident-only, comprehensive, or wellness plans
- ✅Annual limits up to unlimited
- ✅Wide deductible and reimbursement rate options
- ✅Enrollment from 7 weeks old, no upper age limit
- ✅Coverage across all US states
- ✅Low average premium relative to competitors
- ✅Most claims processed in 4–7 days
- ❌No illness coverage with accident-only plan
- ❌Premiums may increase at renewal
- ❌Occasional slow claim payouts (sometimes over a month)
- ❌No 30-day money-back guarantee
- ❌Some negative customer reviews on denied claims
- ✅Choice of accident-only, comprehensive, or wellness plans
- ✅Annual limits up to unlimited
- ✅Wide deductible and reimbursement rate options
- ✅Enrollment from 7 weeks old, no upper age limit
- ✅Coverage across all US states
- ✅Low average premium relative to competitors
- ✅Most claims processed in 4–7 days
- Guarantees for Farmers
- Farmers Exclusions
- Farmers Prices
- Assistance for Farmers
- Customer Reviews of Farmers
- Contact Farmers
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, over one million users in the US trust us each month to guide them in their most important financial decisions.
Guarantees for Farmers
Farmers offers a wide range of pet insurance options through Pets Best, including accident-only and comprehensive accident & illness plans (Essential, Plus, Elite), with flexible reimbursement rates (70%, 80%, or 90%), multiple annual limits (from $5,000 to unlimited), and a choice of annual deductibles as low as $50.
The Essential, Plus, and Elite plans cover hereditary conditions, cancer, prescriptions, diagnostics, and surgery, while the Elite plan also includes rehabilitative and alternative treatments; accident-only covers accidental injuries only, and routine care can be added for wellness reimbursements.
Farmers stands out for having no upper age limit, for offering routine care as an add-on, and for its competitive pricing—typically below the national average—while direct vet pay and a simple claims process add further value.
However, the main gaps are the lack of a 30-day money-back guarantee, premium increases at renewal, and sometimes slow claims payouts, alongside more limited coverage with accident-only or basic plans.
Overall, Farmers is well positioned for pet owners seeking customizable, mid-priced coverage with a balance of affordability and comprehensive protection, but those prioritizing fast claims or price lock-in may want to compare alternatives.
| Name of coverage | Essential Plan | Plus Plan | Elite Plan | Accident-Only Plan |
|---|---|---|---|---|
| Plan positioning | Entry-level accident & illness | Accident & illness w/ exam fee | Most comprehensive accident & illness | Accident only, budget |
| Type of coverage (accident, illness, both, etc.) | Accident and illness | Accident and illness | Accident and illness | Accident only |
| Animals covered (dogs, cats, other) | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | 70%, 80%, or 90% (customizable) | 70%, 80%, or 90% (customizable) | 70%, 80%, or 90% (customizable) | 70%, 80%, or 90% (customizable) |
| Annual reimbursement limit | $5,000 or unlimited (choice) | $5,000 or unlimited (choice) | $5,000 or unlimited (choice) | $10,000 |
| Deductible (annual or per claim) | $50–$1,000 (annual, choice) | $50–$1,000 (annual, choice) | $50–$1,000 (annual, choice) | $250 (annual) |
| Age limits for enrollment (for dogs and cats) | 7 weeks minimum, no upper limit | 7 weeks minimum, no upper limit | 7 weeks minimum, no upper limit | 7 weeks minimum, no upper limit |
| Pre-enrollment health questionnaire | Not Communicated | Not Communicated | Not Communicated | Not Communicated |
| Waiting period (illness) | 14 days | 14 days | 14 days | N.C. |
| Waiting period (accident) | 3 days | 3 days | 3 days | 3 days |
| Lifetime coverage once subscribed | ✅ Subject to cap/renewal | ✅ Subject to cap/renewal | ✅ Subject to cap/renewal | ✅ Subject to cap/renewal |
| Vet consultations (regular + emergency) | ✅ | ✅ | ✅ | ✅ Accident only |
| Medications | ✅ | ✅ | ✅ | ✅ Accident only |
| Hospitalization | ✅ | ✅ | ✅ | ✅ Accident only |
| Surgery (including anesthesia) | ✅ | ✅ | ✅ | ✅ Accident only |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ | ✅ | ✅ | ✅ Accident only |
| Dental care (includes scaling and procedures) | N.C. | N.C. | N.C. | ✅ Traumatic dental fracture only |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | Optional rider (add-on) | Optional rider (add-on) | Optional rider (add-on) | ❌ |
| Alternative medicine (osteopathy, acupuncture, etc.) | ❌ | ❌ | ✅ Elite plan covers | ❌ |
| Travel coverage (countries included, duration) | USA, Canada, US territories | USA, Canada, US territories | USA, Canada, US territories | USA, Canada, US territories |
| Civil liability | ❌ | ❌ | ❌ | ❌ |
| Euthanasia | N.C. | N.C. | N.C. | N.C. |
| Death & cremation coverage | N.C. | N.C. | N.C. | N.C. |
| Theft or loss of pet + search expenses | ❌ | ❌ | ❌ | ❌ |
| Boarding fees (if owner is hospitalized) | ❌ | ❌ | ❌ | ❌ |
Important Considerations and Limitations
Routine wellness benefits are available only as an add-on, with annual maximums of $305–$535 and no deductible.
Direct payment to veterinarians may be possible, but only if the vet accepts this arrangement.
Claims should be submitted within 180 days of treatment; average approval time is 4–7 days but may be longer.
Cruciate ligament events carry a 6-month waiting period in most states.
The Plus plan includes reimbursement for accident and illness exam fees, not included in Essential.
Compare pet insurance coverage levels below to find the most suitable option for your needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Farmers Exclusions
Farmers pet insurance, underwritten by Pets Best, excludes pre-existing conditions, any illness or injury arising before policy start or within waiting periods, and costs associated with routine or preventive care unless added-on as wellness.
Important exclusions that may differ from some competitors include a strict six-month waiting period for cruciate ligament injuries and intervertebral disc disease, and no coverage for alternative or holistic treatments considered experimental or not specifically included.
In addition, injuries linked to organized events like dog racing or fighting, claims for pets used for commercial purposes, and treatments provided outside the US and Canada are not covered. Any diagnosis or veterinary care by the policyholder for their own pet, expenses due to epidemics/pandemics, and injury or illness resulting from owner negligence are also excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Preventive care |
|
| Geographic limits |
|
| Owner/policyholder |
|
| Administrative/Other |
|
| Special exclusions |
|
- Pre-existing conditions
- Illnesses and diseases (for accident-only plans)
- Cruciate ligament injuries (six-month waiting period applies)
- Intervertebral disc conditions
- Degenerative diseases
- Cancer (accident-only)
- Chronic/behavioral/alternative care
- Any injury/illness within the waiting period
- Routine and preventive care, including exams, vaccines, parasite control, dental cleaning (unless opted for in a covered wellness add-on)
- Spay/neuter procedures
- Veterinary care outside the US, Canada, US territories, or military installations abroad
- Treatments provided by the policyholder as the vet
- Claims for commercial, working, or racing animals
- Illness or injury related to owner negligence, abuse, or organized fighting
- Non-veterinary fees (shipping, banking, admin charges)
- Items not prescribed by a vet (food, supplements, bedding, toys)
- After-life care (cremation, burial)
- Fraud or misrepresentation
- Epidemics/pandemics, nuclear or war events
- Unidentified or undiagnosed injuries
- Claims filed after 180 days from treatment
- Policy non-transferable to another pet
Farmers Prices
Farmers holds a solid mid-range pricing position in the US pet insurance market.
Coverage is generally comprehensive, offering accident, illness, hereditary conditions, and cancer coverage with 70% to 90% reimbursement rates, choices of unlimited annual limits, and flexible deductibles.
Premiums for Farmers plans are consistently lower than many traditional insurers such as Spot and Embrace, while offering more generous coverage than some pure digital competitors.
Farmers’ average pricing is closer to the national median, providing a notable balance of cost and coverage for both routine and unexpected veterinary expenses.
This makes Farmers a competitive option for pet owners seeking good value without paying premium prices.
Compare our plans below to find the best coverage option and price for your pet.
| Accident-only | Essential (accident & illness) | Plus (accident & illness, exam fees) | Elite (accident & illness, extended) | |
|---|---|---|---|---|
| Young cat (2–4 years) | $6/month | $22/month | $24/month | $25/month |
| Senior cat (7–8 years) | $9/month | $27/month | $29/month | $30/month |
| Small breed dog (2–4 years) | $9/month | $35/month | $37/month | $41/month |
| Large breed dog (2–4 years) | $13/month | $41/month | $43/month | $48/month |
| Senior dog (7–8 years) | $17/month | $56/month | $58/month | $62/month |
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 Amounts with Farmers
With Farmers’ highest-tier pet insurance plan, reimbursement is quick, transparent, and generous. After you pay your vet, Farmers reimburses up to 90% of covered treatment costs (after your annual deductible), so your out-of-pocket expenses stay low and predictable.
Example 1: Knee ligament repair surgery
Total veterinary cost: $3,000 (exam, x-ray, anesthesia, surgery, medication)
Deductible to subtract: $250 (has not yet been used this policy year)
Eligible expenses after deductible: $3,000 – $250 = $2,75090% reimbursed: $2,750 × 90% = $2,475
👉 You receive a reimbursement of $2,475.
ℹ️ The $250 deductible only applies once per policy year. You pay just $525 for this major surgery.
Example 2: Emergency foreign object removal (dog swallowing toy)
Total veterinary cost: $1,600 (consult, bloodwork, imaging, surgery, overnight monitoring)
Deductible already met earlier in the yearAmount reimbursed at 90%: $1,600 × 90% = $1,440
👉 You receive $1,440.
ℹ️ Since your deductible is already used, you only need to cover $160 for this expensive emergency.
Example 3: Annual wellness visit (vaccinations, test, preventive care) with BestWellness add-on
Total veterinary cost: $320 (exam, core vaccines, blood test, microchip)
No deductible applies for preventive care add-onPlan reimburses up to $535 per year for covered wellness services
Full expense covered since under allowance: $320 reimbursed
👉 You receive $320.
ℹ️ Preventive care benefits are available only with the BestWellness option. Any unused allowance carries over to additional annual wellness costs within the plan maximum.
Assistance for Farmers
While Farmers offers standard policyholder support and efficient digital tools for claims, it does not provide an advance payment option for vet bills, meaning owners pay the clinic directly and wait for reimbursement.
Claim filing is handled by the Pets Best app or website, letting users check claim status online, although some reviews note variable processing times.
There is no 24/7 emergency veterinary advice line or telehealth option included, which may be a shortfall for owners wanting round-the-clock veterinary access.
A formal vet clinic partner network does not exist, so coverage applies regardless of clinic selection within the USA, Canada, and US territories.
International coverage is relatively strong for North America, but services and reimbursement abroad may be limited and require careful review of the policy provisions.
| Assistance Farmers | Available? | Details |
|---|---|---|
| Advance payment | ❌ | Owners pay the vet directly and claim reimbursement. No Carecredit, Payvet, or direct pay option. |
| Payment facilities | ❌ | No mention of 0% installment or payment facility options for premiums. N.C. |
| Mobile app | ✅ | Pets Best app for iOS/Android allows claim submission and status checking. UX and ratings are average; not industry-leading. |
| Paperless claims process | ✅ | Claims are submitted online via app or portal, making the process paperless and straightforward. |
| Emergency vet service | ❌ | No emergency or teleconsultation service or hotline is offered as part of the policy. |
| Vet/clinic partner network | ❌ | No restricted or preferred partner network; owners may see any licensed vet in the covered region. |
| Coverage abroad | ✅ | Valid in the USA, Canada, and US territories; outside these areas, services are not covered. |
Customer Reviews of Farmers
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot (Pets Best) | 4 out of 5 (over 7,000 reviews) |
| BBB (Pets Best) | 2.7 out of 5 (over 1,100 reviews) |
| MarketWatch | 4.4 out of 5 (editorial rating) |
We analyzed reviews from the sites listed above.
On the positive side, customers who subscribed to Farmers for their pets often mention:
- A flexible range of coverage and deductible options that allows customization to fit individual needs and budgets.
- An easy and straightforward sign-up process, including an intuitive quote tool and policy information transparency.
- A convenient digital claims experience, with many users appreciating the mobile app and the option for direct reimbursement to veterinarians.
- An absence of upper age limits for enrollments, enabling coverage for both younger and older pets.
On the negative side:
- A slow claim processing time, with several users reporting weeks-long delays and follow-up requirements for documentation.
- A regular increase in premiums upon policy renewal, sometimes viewed as excessive, especially for aging pets or after filing claims.
- A notable occurrence of denied claims for conditions or treatments that some customers believed were covered.
- A lower customer service rating on BBB, with frustrations regarding both claims outcomes and communication clarity.
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. |
| To request and track a reimbursement | File a claim via the Pets Best app, online portal, email, fax, or mail. You must submit a completed claim form, itemized invoice, and medical records if required. Claims must be filed within 180 days of treatment. Status can be tracked online or in the app. Contact: 1-877-738-7237. Reimbursement by direct deposit or mailed check. Average processing time: 4–7 days, but may take up to a month. |
| To obtain a certificate of insurance | Call Farmers customer service at 1-888-327-6335, Monday–Friday 7am–11pm CST, Saturday–Sunday 8am–8pm CST. You may also contact your local agent. Have your policy number ready for faster service. |
| To contact assistance | For claims and assistance, call Pets Best at 1-877-738-7237. For general assistance, call 1-888-327-6335 during business hours. Mailing address: Pets Best Insurance Services, LLC, 10840 Ballantyne Commons Parkway, Charlotte, NC 28277. |
| To cancel my policy | Cancel via your online account, by phone at 1-877-738-7237, or in writing. Written notice: Pets Best Insurance Services, LLC, 965 Keller Road, Altamonte Springs, FL 32714. Include your policy number and request. Pro rata refund of any unearned premium. No fixed notice period, but cancel before the next premium due date for accuracy. |
You must submit a completed claim form, itemized invoice, and medical records if required.
Claims must be filed within 180 days of treatment.
Status can be tracked online or in the app.
Contact: 1-877-738-7237.
Reimbursement by direct deposit or mailed check.
Average processing time: 4–7 days, but may take up to a month.
You may also contact your local agent.
Have your policy number ready for faster service.
For general assistance, call 1-888-327-6335 during business hours.
Mailing address: Pets Best Insurance Services, LLC, 10840 Ballantyne Commons Parkway, Charlotte, NC 28277.
Written notice: Pets Best Insurance Services, LLC, 965 Keller Road, Altamonte Springs, FL 32714.
Include your policy number and request.
Pro rata refund of any unearned premium.
No fixed notice period, but cancel before the next premium due date for accuracy.
FAQ
Do I have to pay upfront for veterinary fees with Farmers?
Yes, with Farmers pet insurance you generally pay the veterinarian directly at the time of treatment, then submit a claim for reimbursement. In some cases, Farmers (through Pets Best) may reimburse your vet directly if arranged in advance, but this is not guaranteed and must be coordinated between you, your vet, and the insurer.
How do I cancel my pet insurance policy with Farmers?
To cancel your Farmers pet insurance policy, you can do so at any time by contacting customer service by phone, in writing, or through your online account. There is no fixed notice period, but it is important to provide your policy number when making the request. A pro-rated refund for unused premiums will be provided where applicable.
What types of coverage are available with Farmers pet insurance?
Farmers offers accident and illness coverage, accident-only plans, and optional wellness packages for routine care. Coverage can include treatments for accidents, illnesses, hereditary and congenital conditions, medications, and more. Wellness add-ons cover preventive care such as vaccinations and regular exams.
Are there any restrictions or waiting periods for coverage?
Yes, there are waiting periods: 3 days for accidents, 14 days for illness, and 6 months for most cruciate ligament issues. There are no upper age limits to enroll, but your pet must be at least 7 weeks old. Pre-existing conditions are excluded, and certain treatments and events are also not covered.
How do I file a claim and how long does reimbursement take?
To file a claim, submit your itemized invoice and medical records online, through the mobile app, by email, fax, or mail. Claims are typically processed in 4 to 7 days, but some reports mention longer processing times, especially if extra documentation is needed. Reimbursement is made by direct deposit or mailed check once approved.
How much does Farmers pet insurance typically cost?
The average cost is about $33 per month, but pricing depends on your pet’s species, breed, age, location, and the coverage level you select. Accident-only coverage is generally less expensive, while adding illness or wellness coverage increases the premium. Discounts may be available, so comparing plans is recommended.
Do I have to pay upfront for veterinary fees with Farmers?
Yes, with Farmers pet insurance you generally pay the veterinarian directly at the time of treatment, then submit a claim for reimbursement. In some cases, Farmers (through Pets Best) may reimburse your vet directly if arranged in advance, but this is not guaranteed and must be coordinated between you, your vet, and the insurer.
How do I cancel my pet insurance policy with Farmers?
To cancel your Farmers pet insurance policy, you can do so at any time by contacting customer service by phone, in writing, or through your online account. There is no fixed notice period, but it is important to provide your policy number when making the request. A pro-rated refund for unused premiums will be provided where applicable.
What types of coverage are available with Farmers pet insurance?
Farmers offers accident and illness coverage, accident-only plans, and optional wellness packages for routine care. Coverage can include treatments for accidents, illnesses, hereditary and congenital conditions, medications, and more. Wellness add-ons cover preventive care such as vaccinations and regular exams.
Are there any restrictions or waiting periods for coverage?
Yes, there are waiting periods: 3 days for accidents, 14 days for illness, and 6 months for most cruciate ligament issues. There are no upper age limits to enroll, but your pet must be at least 7 weeks old. Pre-existing conditions are excluded, and certain treatments and events are also not covered.
How do I file a claim and how long does reimbursement take?
To file a claim, submit your itemized invoice and medical records online, through the mobile app, by email, fax, or mail. Claims are typically processed in 4 to 7 days, but some reports mention longer processing times, especially if extra documentation is needed. Reimbursement is made by direct deposit or mailed check once approved.
How much does Farmers pet insurance typically cost?
The average cost is about $33 per month, but pricing depends on your pet’s species, breed, age, location, and the coverage level you select. Accident-only coverage is generally less expensive, while adding illness or wellness coverage increases the premium. Discounts may be available, so comparing plans is recommended.
