Is State Farm Pet Insurance Worth It? Reviews 2025
Our Expert's Opinion on State Farm
State Farm, through its partnership with Trupanion, delivers one of the most comprehensive pet insurance solutions in the US market, notably standing out for its unlimited reimbursement on covered expenses and customizable deductibles, without imposing annual or per-condition limits—a rare advantage compared to most competitors such as Pets Best or Embrace. With a single plan format enriched by flexible add-ons (holistic care, liability, breeding), the coverage rate for eligible claims is set at 90%, after a deductible chosen per incident (rather than per year), and owners always pay at least 10% co-insurance. Though monthly premiums are on the higher side (averaging $63/month for dogs, $29/month for cats), the offer suits pet owners seeking robust coverage for major medical events or hereditary conditions—especially for young or purebred animals, or those wanting high and quick reimbursement, regardless of claim amounts. State Farm’s insurance is underwritten by Trupanion, a company processing more than $500 million in earned premiums yearly, and supported by over 8,000 Trustpilot reviews with a 3.9/5 rating—reflecting strong reliability, fast claims (up to 70% paid within 24 hours), and a 24/7 support line. The plan is less relevant for those seeking routine preventive care or accident-only policies, but excels for owners prioritizing unlimited, lifelong coverage and rapid processing for serious issues.
- No annual or per-condition reimbursement limits
- Direct payment possible at participating vet clinics
- High claims processing speed—majority in under 24 hours
- Customizable, per-condition lifetime deductible
- Add-on coverage for holistic care and liability
- Accepted by all licensed US veterinarians
- Coverage of congenital and hereditary conditions
- No wellness or preventive care reimbursement
- Cannot choose accident-only plans
- Deductible resets per condition, not yearly
- Premiums higher than market average
- Mandatory annual dental exam for dental coverage
- State Farm Warranties
- State Farm Exclusions
- State Farm pricing
- State Farm Assistance
- Customer feedback on State Farm
- How can I contact State Farm?
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms, conditions, and pricing of market-leading insurance plans each year to provide you with reliable and unbiased analysis. Thanks to this dedication, hundreds of thousands of users in the US trust us every month to guide them through their most important financial decisions.
State Farm Warranties
State Farm, via Trupanion, provides a single, highly comprehensive formula for pet insurance, focusing on unlimited lifetime reimbursement for veterinary costs (accidents and illnesses) without any annual or per-incident caps, and a customizable deductible per condition (paid once per issue). The plan distinguishes itself with very broad coverage—including chronic and hereditary diseases, surgeries, emergency care, medications, and therapeutic foods—while also offering optional "riders" for complementary/holistic care, breeding-related risks, and owner assistance (such as liability and boarding).
The primary strengths are instant eligibility (no age minimum, up to 14 years), direct payment to partner vets, and market-leading absence of reimbursement limits, but State Farm is less flexible than competitors due to the lack of wellness/preventive options and no “accident-only” plan. Preventive care, routine dental cleaning, vaccines, examinations, and any care for pre-existing conditions are excluded and always at the owner's expense.
In sum, State Farm best suits US pet owners seeking simple, high-value coverage for high, unexpected veterinary costs, provided they do not need preventive care reimbursement.
| Name of Guarantee | State Farm / Trupanion (unique formula with paid riders) |
|---|---|
| Positioning of the formula | Comprehensive single plan, unlimited reimbursement |
| Type of coverage | Accident & illness (no accident-only option) |
| Animals covered | Dogs and cats only, all breeds, non-commercial |
| Reimbursement rate (%) | 90% covered, 10% client co-pay |
| Annual reimbursement cap | None (no annual or lifetime limit) |
| Deductible (annual/per act) | Customizable per condition/incident, paid once per problem |
| Min and max age for subscription | No min; Max: 14 years at enrollment (dogs & cats) |
| Health questionnaire required? | Health records/history required at claim, no pre-signup questionnaire |
| Waiting period for illness | 30 days (may be 14 days per location, check contract) |
| Waiting period for accident | 5 days |
| Lifetime coverage once insured? | Yes, for all covered conditions contracted after enrollment |
| Vet consultation (general, emergency, specialist) | Covered for treatment; exam fees excluded |
| Medications | Covered when prescribed for a covered condition |
| Hospitalization | Covered (including ICU if needed) |
| Ambulance fees | Covered when medically required |
| Surgery, anesthesia | Covered for non-pre-existing conditions |
| Scans, MRI, ultrasound | Covered for accident/illness |
| Laboratory analyses | Covered for diagnosis/treatment of covered events |
| Radiotherapy | Covered within accident/illness plan |
| Dental care | Only for illness/trauma; extraction if canines/carnassials |
| Scaling/cleaning | Not covered unless curative, preventive cleaning excluded |
| Preventive package (vaccines, neuter, etc.) | Not covered; no wellness/routine care plan |
| Alternative medicine (osteopathy, acupuncture...) | Only via optional rider (extra fee) |
| Therapeutic food | 50% covered, max 2 months, when prescribed for covered illness |
| Geographical coverage / travel | US, Canada, Puerto Rico, Australia (and associated territories) |
| Death / cremation | Covered only with Pet Owner Assistance Rider |
| Euthanasia | Covered if prescribed by veterinarian |
| Theft or lost pet & search costs | Only with Pet Owner Assistance Rider (subject to rider limits) |
| Boarding fees | Only if owner hospitalized, with Pet Owner Assistance Rider |
Supplementary riders (Recovery & Complementary Care, Pet Owner Assistance, Breeding Rider) are optional at extra cost. No wellness, vaccines, or preventive routine care included by any rider.
Good to know
Only one deductible is paid per problem for the entire lifetime of the animal, and all claims must be submitted within 90 days of treatment. Preventive care, exam fees, and taxes are never reimbursed, and Trupanion may require an annual dental check to retain dental illness coverage. Age at first subscription, chosen deductible, and breed heavily influence premiums; prices increase with age. Veterinary exam records may be requested to validate eligibility for claims after enrollment.
State Farm Exclusions
State Farm pet insurance, underwritten by Trupanion, lists a standard set of exclusions with several marked differences from many US competitors. Most notably, all medical care related to pre-existing conditions—strictly defined as any clinical signs seen up to 18 months before enrollment or occurring during waiting periods—are categorically excluded, even for chronic or breed-predisposed issues. Preventive and routine care (including wellness, vaccinations, spaying/neutering), dental cleanings, and non-prescription diets are also not covered. Exam and administrative fees are explicitly excluded from reimbursement, a contrast to some competitors that may partially cover exam costs. Advanced or elective procedures—including elective/cosmetic work, experimental or stem cell therapies, and issues related to intentional owner actions—are not covered, as are boarding, travel, and war/nuclear disaster losses. Unlike some accident-only or wellness rider plans, Trupanion/State Farm offers neither option, requiring separate paid riders for coverage of reproduction, behavioral, or complementary treatments.
| Exclusions | Details |
|---|---|
| Medical Exclusions | - Any pre-existing condition (illness/injury present or treated up to 18 months pre-policy or during waiting periods) - Hereditary or congenital diseases already manifested before enrollment - Chronic conditions existing before coverage - Preventive care (e.g., vaccines, health checks, heartworm/flea/tick control) - Spaying/neutering, elective/cosmetic procedures - Routine dental cleaning; dental only covered if linked to illness/trauma and with annual dental exams - Non-medical/grooming services - Any condition due to owner’s intentional action/negligence - Experimental or stem cell treatments (unless specifically covered rider) - Behavioral and complementary therapies (unless selected recovery rider) - Reproductive/pregnancy/breeding-related care (unless breeding rider) |
| Geographic Exclusions | - No coverage for care provided outside US, Canada, Puerto Rico, Australia, or US government-controlled areas - Incidents while traveling/living outside covered zones |
| Administrative & Financial Excl. | - Exam/consultation fees always excluded - All taxes on vet bills at owner's expense - Administrative fees, records fees, transmission/copying expenses |
| Identification/Ownership | - Coverage is non-transferable (unless owner changes and process completed within 30 days) |
| Exclusions by Event/Cause | - Injuries, loss, or disease resulting from war, terrorism, nuclear catastrophe, civil unrest - Costs from pets in competitive racing, illegal activity, professional commercial use (other than recognized service dogs) - Boarding and transportation - Acts resulting from criminal or intentional acts by owner |
- Hereditary or congenital diseases already manifested before enrollment
- Chronic conditions existing before coverage
- Preventive care (e.g., vaccines, health checks, heartworm/flea/tick control)
- Spaying/neutering, elective/cosmetic procedures
- Routine dental cleaning; dental only covered if linked to illness/trauma and with annual dental exams
- Non-medical/grooming services
- Any condition due to owner’s intentional action/negligence
- Experimental or stem cell treatments (unless specifically covered rider)
- Behavioral and complementary therapies (unless selected recovery rider)
- Reproductive/pregnancy/breeding-related care (unless breeding rider)
- Incidents while traveling/living outside covered zones
- All taxes on vet bills at owner's expense
- Administrative fees, records fees, transmission/copying expenses
- Costs from pets in competitive racing, illegal activity, professional commercial use (other than recognized service dogs)
- Boarding and transportation
- Acts resulting from criminal or intentional acts by owner
State Farm pricing
State Farm, via its partner Trupanion, is positioned with clearly above-average pricing in the US pet health insurance market. This premium level is due to a unique, very comprehensive plan that offers unlimited reimbursement on actual expenses, high coverage caps, and a standard reimbursement rate of 90% after a per-condition deductible, with no accident-only option or possibility to limit coverage to lower the premium. The offer includes access to customizable options and direct payment at certain vets, reinforcing the simplicity and comprehensiveness of the coverage but limiting pricing flexibility. With equivalent coverage, State Farm is therefore in the “expensive but all-inclusive” category, particularly suited to owners looking for maximum coverage with no cap restrictions, while price-sensitive or preventive-focused customers should consider more flexible competitors. This price gap is rationally explained by the generosity and level of coverage, rather than a lack of in-person services or a fully digital model.
Compare multiple pet insurance offers to make sure you get the most cost-effective solution for your animal’s needs.
| State Farm/Trupanion Plan | |
|---|---|
| Young cat (2–4 yrs) | $29/month |
| Senior cat (7–8 yrs) | $50/month |
| Small breed dog (2–4 yrs) | $63/month |
| Large breed dog (2–4 yrs) | $80/month |
| Senior dog, small breed (7–8 yrs) | $110/month |
| Senior dog, large breed (7–8 yrs) | $140/month |
State Farm promo codes
| State Farm promo codes | Details |
|---|---|
| HelloSafe promo code | -5% off your quote |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurances.
How much will I be reimbursed with State Farm?
| Treatment | Average Cost (USD) | State Farm/Trupanion (90% reimbursement, unlimited annual cap) |
|---|---|---|
| Neutering/Spaying | $300 | Not covered (routine/preventive care excluded) Remainder: $300 |
| Vaccinations (annual set) | $100 | Not covered (routine care excluded) Remainder: $100 |
| Emergency accident (fracture repair – dog) | $2,500 | Reimbursed $2,250 Remainder: $250 (excl. per-condition deductible) |
| Tumor removal (dog, average surgery) | $1,500 | Reimbursed $1,350 Remainder: $150 (excl. per-condition deductible) |
| Hospitalization for gastroenteritis (cat, 2 days) | $1,000 | Reimbursed $900 Remainder: $100 (excl. per-condition deductible) |
Remainder: $300
Remainder: $100
Remainder: $250 (excl. per-condition deductible)
Remainder: $150 (excl. per-condition deductible)
Remainder: $100 (excl. per-condition deductible)
State Farm Assistance
State Farm (via Trupanion) stands out for its direct payment system at participating clinics, meaning owners may not need to advance veterinary expenses—a significant benefit, though only available if the clinic uses Trupanion's payment portal.
The absence of a wellness/preventive care option (vaccines, routine dental cleaning, sterilization) is a real drawback for owners wanting comprehensive everyday care; all plans are strictly illness and accident-focused.
Claims can be submitted through the online portal or mobile app, and over 60% are processed within 24 hours—however, the app lacks exceptional UX distinction compared to market leaders.
No proprietary vet network or telemedicine/toll-free veterinary triage service is included, limiting support in emergencies to standard coverage and owner initiative.
International cover is available for temporary travel (Canada, Puerto Rico, Australia), but long-term stays or routine non-US residency are excluded.
| Assistance State Farm | Available? | Details |
|---|---|---|
| Advance of fees | ✅ | Direct payment to participating clinics (Trupanion Express). Owner pays only their share at checkout. Only available if the clinic uses Trupanion's payment system. |
| Payment facilities | ❌ | No published option for 3x or interest-free spread. Premium is paid monthly by default. |
| Mobile application | ✅ | iOS and Android available. Enables claim submission, tracking, access to documents. No standout UX/features compared to best-in-class competitors. |
| Digital claims management | ✅ | Claims can be fully managed via the online member area or app. Includes submission and follow-up. |
| Veterinary emergencies | ❌ | No dedicated 24/7 emergency or teleconsultation/triage service offered by State Farm/Trupanion. |
| Veterinary clinic & hospital network | ❌ | No proprietary network—coverage applies at any licensed US vet. No negotiated rates or specific partner list provided. |
| Coverage abroad | ✅ | Covered for travel (not relocation) in Canada, Puerto Rico, Australia, and associated territories. Coverage limited to short stays; US residence required. |
Customer feedback on State Farm
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 3.9/5 (7,816 reviews) |
| Pawlicy Advisor | 3.9/5 (referenced from Trustpilot) |
We analyzed reviews from the sites listed above. On the positive side, policyholders who have taken out pet insurance with State Farm (via Trupanion) often mention:
- A reliable and compassionate customer service experience: clients highlight the 24/7 phone support, the empathy of representatives, and the clarity of communications during stressful moments with their pets.
- Fast and direct claims processing: the possibility to have claims paid directly at the vet clinic where accepted, and reimbursement timelines often within 24 hours for most claims, are widely appreciated.
- Comprehensive coverage for serious and chronic conditions: coverage includes costly illnesses such as cancer, hereditary and congenital conditions, and ongoing chronic issues, with no annual or lifetime reimbursement limits per illness or accident.
- Flexible plan design: the option to personalize the deductible per condition, as well as add-on coverages for alternative therapies, behavioral care, and breeding, is valued as providing tailored protection.
- Financial support during major health events: many customers state their pets’ expensive treatment costs (including surgeries, cancer treatments, or genetic diseases) were reimbursed at the expected level, allowing them to pursue the best care available.
On the negative side:
- A high and rising monthly premium: numerous clients consider the policy cost to be above average and note that premiums tend to increase annually, sometimes significantly with the pet’s age or after relocating.
- A lack of wellness/preventive care options: there is no plan covering routine care (vaccines, annual check-ups, sterilization), which frustrates pet owners seeking help with everyday veterinary costs.
- A lifetime per-condition deductible: instead of an annual deductible, the policy applies a deductible per condition for the pet’s lifetime, which can create out-of-pocket barriers for ongoing multi-condition treatments.
- Exclusion of pre-existing conditions and some hereditary illnesses: strict exclusion of pre-existing issues and certain breed-specific ailments if diagnosed before coverage start date, leaving some pets partly uninsurable.
- Dental coverage limitations and annual requirements: coverage for dental disease or trauma is restricted and requires annual dental exams and documentation, with routine dental cleanings explicitly excluded.
- Limited flexibility compared to competitors: some reviewers feel competitors offer more options, such as accident-only plans, routine care add-ons, or annual deductible choices.
- Additional exclusions and administrative costs: some out-of-pocket appraisal fees (initial exams, taxes, admin fees) and requirements for detailed medical records at time of claim submission can be perceived as burdensome.
How can I contact State Farm?
| State Farm Customer Service | Details |
|---|---|
| For getting a quote or subscribing online | You can use the HelloSafe pet insurance comparison tool, choose the plan that fits your needs, and click to get a quote. You can also: - Get a quote directly online at State Farm Pet Insurance. - Request a quote or subscribe by phone: 833-328-8988 (Trupanion line for State Farm). - Visit your local State Farm agent. |
| For requesting and tracking a reimbursement | - Submit claims via your vet (if Trupanion Direct Pay is available), online member portal, mobile app, or phone 855-518-1410. - You must provide the claim form, a detailed invoice from the vet, and if requested, the full medical history. - Claims must be submitted within 90 days of treatment. - Reimbursements are typically processed within 24h (about 70% of claims), paid by check or direct deposit. - For questions or follow-up: 888-733-2685 or email [email protected]. - Mail: Trupanion, 6100 4th Ave S, Seattle, WA 98108-3234. |
| For obtaining a certificate of insurance | - Download via your online member portal. - Request by contacting customer support: • By phone: 888-733-2685 • By email: [email protected] • By mail: Trupanion, 6100 4th Ave S, Seattle, WA 98108-3234. - Local State Farm agents can also help provide documentation. |
| For contacting assistance | - The Trupanion/State Farm pet insurance customer support is available 24/7/365. - Phone support: 1-800-782-8332 (general), 888-733-2685 (pet insurance-specific). - Online chat is available on the Trupanion website (trupanion.com). - Email: [email protected]. - You can also reach your local State Farm agent. |
| For cancelling my contract | - You can request cancellation at any time by: • Calling 888-733-2685 • Emailing [email protected] • Sending a signed written notice by mail to Trupanion, 6100 4th Ave S, Seattle, WA 98108-3234 • Fax (if needed): inquire with customer service - No penalty for early cancellation. If you cancel within 30 days and have not made any claims, you receive a full refund. - Provide your policy details and contact/email on the request. - No supporting documents required unless requested for verification. - Coverage ends immediately upon confirmation or per your specified date. |
You can also:
- Get a quote directly online at State Farm Pet Insurance.
- Request a quote or subscribe by phone: 833-328-8988 (Trupanion line for State Farm).
- Visit your local State Farm agent.
- You must provide the claim form, a detailed invoice from the vet, and if requested, the full medical history.
- Claims must be submitted within 90 days of treatment.
- Reimbursements are typically processed within 24h (about 70% of claims), paid by check or direct deposit.
- For questions or follow-up: 888-733-2685 or email [email protected].
- Mail: Trupanion, 6100 4th Ave S, Seattle, WA 98108-3234.
- Request by contacting customer support:
• By phone: 888-733-2685
• By email: [email protected]
• By mail: Trupanion, 6100 4th Ave S, Seattle, WA 98108-3234.
- Local State Farm agents can also help provide documentation.
- Phone support: 1-800-782-8332 (general), 888-733-2685 (pet insurance-specific).
- Online chat is available on the Trupanion website (trupanion.com).
- Email: [email protected].
- You can also reach your local State Farm agent.
• Calling 888-733-2685
• Emailing [email protected]
• Sending a signed written notice by mail to Trupanion, 6100 4th Ave S, Seattle, WA 98108-3234
• Fax (if needed): inquire with customer service
- No penalty for early cancellation. If you cancel within 30 days and have not made any claims, you receive a full refund.
- Provide your policy details and contact/email on the request.
- No supporting documents required unless requested for verification.
- Coverage ends immediately upon confirmation or per your specified date.
FAQ
Do I need to pay the vet bill up front with State Farm pet insurance?
With State Farm pet insurance (underwritten by Trupanion), you usually pay the vet bill up front and get reimbursed after filing a claim. However, if your veterinarian is a Trupanion Direct Pay partner, Trupanion can pay the clinic directly at checkout, meaning you only pay your portion (deductible and coinsurance) on the spot. Not all clinics participate, so check with your vet before your visit.
How do I cancel my State Farm pet insurance policy?
You can cancel your State Farm (Trupanion) pet insurance at any time by contacting Trupanion directly via phone, email, fax, or mail. There is no required notice period, and if you cancel within the first 30 days (and haven’t filed a claim), you’ll receive a full refund. No specific documents are required—just a written or verbal request.
What does State Farm pet insurance cover and not cover?
State Farm pet insurance covers unexpected illnesses and injuries for cats and dogs, including surgeries, hospital stays, hereditary conditions, and prescription medications. It does not cover pre-existing conditions, wellness care (like vaccines or routine exams), preventive treatments, exam fees, or dental cleanings unless prescribed for a covered illness or injury. For holistic or behavioral therapies, optional riders are available.
Are there any age limits or breed restrictions for enrolling my pet?
All dog and cat breeds are eligible, but your pet must enroll before they turn 14 years old. There’s no minimum age requirement. The plan covers all breeds equally, from young puppies and kittens to senior pets, as long as they enroll before the age cutoff.
How does the deductible work, and what portion do I pay?
With State Farm pet insurance, you pick a per-condition lifetime deductible, paid once for each new illness or injury. After your deductible is met, the plan covers 90% of eligible costs; you’re responsible for the remaining 10% (co-insurance) and any non-covered expenses like exam fees or taxes. This means ongoing treatment for the same issue is covered after meeting the deductible for that condition.
Do I need to pay the vet bill up front with State Farm pet insurance?
With State Farm pet insurance (underwritten by Trupanion), you usually pay the vet bill up front and get reimbursed after filing a claim. However, if your veterinarian is a Trupanion Direct Pay partner, Trupanion can pay the clinic directly at checkout, meaning you only pay your portion (deductible and coinsurance) on the spot. Not all clinics participate, so check with your vet before your visit.
How do I cancel my State Farm pet insurance policy?
You can cancel your State Farm (Trupanion) pet insurance at any time by contacting Trupanion directly via phone, email, fax, or mail. There is no required notice period, and if you cancel within the first 30 days (and haven’t filed a claim), you’ll receive a full refund. No specific documents are required—just a written or verbal request.
What does State Farm pet insurance cover and not cover?
State Farm pet insurance covers unexpected illnesses and injuries for cats and dogs, including surgeries, hospital stays, hereditary conditions, and prescription medications. It does not cover pre-existing conditions, wellness care (like vaccines or routine exams), preventive treatments, exam fees, or dental cleanings unless prescribed for a covered illness or injury. For holistic or behavioral therapies, optional riders are available.
Are there any age limits or breed restrictions for enrolling my pet?
All dog and cat breeds are eligible, but your pet must enroll before they turn 14 years old. There’s no minimum age requirement. The plan covers all breeds equally, from young puppies and kittens to senior pets, as long as they enroll before the age cutoff.
How does the deductible work, and what portion do I pay?
With State Farm pet insurance, you pick a per-condition lifetime deductible, paid once for each new illness or injury. After your deductible is met, the plan covers 90% of eligible costs; you’re responsible for the remaining 10% (co-insurance) and any non-covered expenses like exam fees or taxes. This means ongoing treatment for the same issue is covered after meeting the deductible for that condition.
