State Farm Pet Insurance 2025: Full Review of Coverage, Pros & Cons
Our expert's opinion on State Farm
State Farm's pet insurance offering, administered by Trupanion and underwritten by American Pet Insurance Company, provides a single comprehensive plan for cats and dogs, with unlimited annual and lifetime payouts, customizable per-condition deductibles, and optional add-ons for alternative therapies, owner assistance, and breeding coverage. Positioned as a mid- to high-tier product, State Farm stands out from competitors like Nationwide and ASPCA by offering no payout caps, flexible reimbursement structures, and the speed of direct payments to participating vets, with an emphasis on strong but streamlined coverage rather than expansive wellness options. This policy is particularly suitable for owners seeking high reimbursement limits for young to middle-aged pets of any breed, especially those with purebreds or genetically predisposed conditions, and for those valuing simplicity and predictability in claims. State Farm, with over 91 million policies and accounts and deep financial stability, partners here with Trupanion, which boasts consistently fast digital claims and an average claim processing time where 60% are completed within 24 hours; State Farm’s app receives a 4.8/5 rating from over 1 million users, though pet insurance itself is not directly rated on Trustpilot.
- ✅Unlimited coverage with no annual or lifetime limits
- ✅Covers all breeds and ages for illness and injury
- ✅Customizable per-condition deductible
- ✅Optional coverage for alternative therapies and owner assistance
- ✅Direct-pay option at participating vets
- ✅No breed or hereditary condition exclusions
- ✅One simple, comprehensive plan
- ❌No wellness or preventive care coverage
- ❌Exam fees and taxes not reimbursed
- ❌Pre-existing conditions excluded
- ❌Per-condition deductible only reduces after 30 days (not anytime)
- ❌Requires separate provider for claims (Trupanion, not State Farm)
- ✅Unlimited coverage with no annual or lifetime limits
- ✅Covers all breeds and ages for illness and injury
- ✅Customizable per-condition deductible
- ✅Optional coverage for alternative therapies and owner assistance
- ✅Direct-pay option at participating vets
- ✅No breed or hereditary condition exclusions
- ✅One simple, comprehensive plan
Our expert's opinion on State Farm
ScoreState Farm's pet insurance offering, administered by Trupanion and underwritten by American Pet Insurance Company, provides a single comprehensive plan for cats and dogs, with unlimited annual and lifetime payouts, customizable per-condition deductibles, and optional add-ons for alternative therapies, owner assistance, and breeding coverage. Positioned as a mid- to high-tier product, State Farm stands out from competitors like Nationwide and ASPCA by offering no payout caps, flexible reimbursement structures, and the speed of direct payments to participating vets, with an emphasis on strong but streamlined coverage rather than expansive wellness options. This policy is particularly suitable for owners seeking high reimbursement limits for young to middle-aged pets of any breed, especially those with purebreds or genetically predisposed conditions, and for those valuing simplicity and predictability in claims. State Farm, with over 91 million policies and accounts and deep financial stability, partners here with Trupanion, which boasts consistently fast digital claims and an average claim processing time where 60% are completed within 24 hours; State Farm’s app receives a 4.8/5 rating from over 1 million users, though pet insurance itself is not directly rated on Trustpilot.
- ✅Unlimited coverage with no annual or lifetime limits
- ✅Covers all breeds and ages for illness and injury
- ✅Customizable per-condition deductible
- ✅Optional coverage for alternative therapies and owner assistance
- ✅Direct-pay option at participating vets
- ✅No breed or hereditary condition exclusions
- ✅One simple, comprehensive plan
- ❌No wellness or preventive care coverage
- ❌Exam fees and taxes not reimbursed
- ❌Pre-existing conditions excluded
- ❌Per-condition deductible only reduces after 30 days (not anytime)
- ❌Requires separate provider for claims (Trupanion, not State Farm)
- ✅Unlimited coverage with no annual or lifetime limits
- ✅Covers all breeds and ages for illness and injury
- ✅Customizable per-condition deductible
- ✅Optional coverage for alternative therapies and owner assistance
- ✅Direct-pay option at participating vets
- ✅No breed or hereditary condition exclusions
- ✅One simple, comprehensive plan
- State Farm Guarantees
- State Farm Exclusions
- State Farm Prices
- State Farm Assistance
- State Farm Customer Reviews
- Contacting State Farm
- FAQ
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available on the market every year, providing you with reliable and unbiased analysis. Because of this thorough process, more than a million people in the United States trust us each month to help guide their most important financial decisions.
State Farm Guarantees
State Farm, through its partnership with Trupanion, provides a comprehensive and customizable plan for dogs and cats, covering accidents, illnesses, hereditary and congenital conditions, diagnostics, surgery, hospitalization, and prescription medications with no payout limits.
Policyholders may select their deductible per-condition and are reimbursed at a 90% rate for covered expenses, but wellness/preventive care, exam fees, taxes, and pre-existing conditions are always excluded regardless of plan options.
Strengths include unlimited lifetime coverage, instant direct pay with participating vets, and robust breed-specific illness protection, while limits include the absence of wellness benefits, routine care, and exam fee coverage.
| Name of coverage | State Farm (Trupanion) Plan |
|---|---|
| Plan positioning | One comprehensive, customizable plan |
| Type of coverage (accident, illness, both, etc.) | Both (accident & illness) |
| Animals covered (dogs, cats, other) | Dogs and cats |
| Reimbursement rate (%) | 90% after deductible |
| Annual reimbursement limit | Unlimited |
| Deductible (annual or per claim) | Per-condition deductible, $0–$1,000 chosen by you |
| Age limits for enrollment (for dogs and cats) | 8 weeks minimum, no upper age limit |
| Pre-enrollment health questionnaire | N.C. |
| Waiting period (illness) | 30 days |
| Waiting period (accident) | 5 days |
| Lifetime coverage once subscribed | ✅ as long as policy is active |
| Vet consultations (regular + emergency) | ❌ exam fees not covered |
| Medications | ✅ prescribed drugs and supplements |
| Hospitalization | ✅ |
| Surgery (including anesthesia) | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ |
| Dental care (includes scaling and procedures) | Illness/injury dental only; no preventive |
| Preventive care package | ❌ not covered |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ if prescribed, with Recovery add-on |
| Travel coverage (countries included, duration) | US, Canada, Puerto Rico, Australia |
| Civil liability | ❌ |
| Euthanasia | ✅ if medically necessary |
| Death & cremation coverage | Add-on (Pet Owner Assistance) |
| Theft or loss of pet + search expenses | Add-on (Pet Owner Assistance) |
| Boarding fees (if owner is hospitalized) | Add-on (Pet Owner Assistance) |
Important Policy Details
Exam fees, wellness, and preventive care are never covered; you can choose your per-condition deductible; optional add-ons expand coverage to rehabilitation, death and cremation, boarding, and breeding issues but must be added within 30 days of enrollment. Coverage for hereditary and congenital diseases applies if the condition arises after the policy’s effective date.
State Farm Exclusions
State Farm’s pet insurance, powered by Trupanion, contains several industry-standard exclusions, such as pre-existing conditions, waiting periods (30 days for illness, 5 days for accident), and any costs related to preventive, routine, or wellness care regardless of plan configuration.
A notable difference is that exam fees (routine, emergency, or specialist) and taxes are never reimbursed, whereas some competitors provide options to cover these items.
Dental care is only included for illness or injury (excluding preventive scaling), and neither prescription diets nor alternative/complementary therapies are covered without an add-on.
Reproductive and end-of-life expenses, as well as advertising/reward for lost pets, are only covered if specific rider packages are selected, while liability, administrative, boarding, or travel costs are strictly excluded by default.
N.C. applies to breed-specific exclusions or caps, as State Farm/Trupanion covers all breeds with unlimited annual and lifetime limits for covered conditions.
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing conditions (including symptoms present in prior 18 months) • Conditions/events during waiting periods • Preventive/wellness/routine care • Elective/cosmetic treatments • Supplementary/admin charges • Dental disease unless caused by illness or injury • Prescription diets (except 50% for 2 months after covered event) |
| Special benefit exclusions | • Exam fees (routine, emergency, or specialist) • Reproductive/pregnancy costs unless Breeding Rider is purchased • End-of-life (cremation, burial) unless Assistance Rider is purchased • Lost pet search/advertising/reward only if Assistance Rider is purchased |
| Administrative/other | • Taxes and non-veterinary charges • Boarding or owner hospitalization (except with Assistance Rider) • Charges for transport, travel, convenience, or non-licensed care • Liability (never covered) • Cloning, intentional harm, war/nuclear incidents |
| Geographic exclusions | US, Canada, Puerto Rico, Australia only; no coverage outside these areas |
| Breed/age exclusions | N.C. |
| Identification exclusions | N.C. |
• Conditions/events during waiting periods
• Preventive/wellness/routine care
• Elective/cosmetic treatments
• Supplementary/admin charges
• Dental disease unless caused by illness or injury
• Prescription diets (except 50% for 2 months after covered event)
• Reproductive/pregnancy costs unless Breeding Rider is purchased
• End-of-life (cremation, burial) unless Assistance Rider is purchased
• Lost pet search/advertising/reward only if Assistance Rider is purchased
• Boarding or owner hospitalization (except with Assistance Rider)
• Charges for transport, travel, convenience, or non-licensed care
• Liability (never covered)
• Cloning, intentional harm, war/nuclear incidents
State Farm Prices
Compare plans to find the best price and coverage for your pet's needs.
| State Farm Pet Insurance (via Trupanion) | |
|---|---|
| Young cat (2–4 years) | $45–$55/month |
| Senior cat (7–8 years) | $65–$80/month |
| Small breed dog (2–4 years) | $60–$70/month |
| Large breed dog (2–4 years) | $90–$110/month |
| Senior dog (7–8 years) | $130–$165/month |
State Farm Promo Codes
| State Farm 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.
State Farm Reimbursement Information
State Farm (underwritten by Trupanion) reimburses veterinary expenses by first subtracting your deductible from each new condition's total cost, then applying a 90% reimbursement rate to the remaining balance for all eligible services—meaning you pay only 10% of covered expenses after your deductible.
Reimbursement Example: Abdominal Surgery
Abdominal surgery after swallowing a foreign object.
Total veterinary costs: $2,400 (surgery, hospitalization, imaging).
Deductible amount to subtract: $250 (per new condition).
Reimbursable amount after deductible: $2,400 – $250 = $2,150. 90% of that amount reimbursed: $2,150 × 90% = $1,935.
👉 You receive $1,935 from State Farm; your out-of-pocket is $465.
ℹ️ With Trupanion/State Farm, the deductible applies once per new condition, and future follow-up visits for the same issue do not retrigger the deductible.
Chemotherapy Coverage Example
Total vet bills: $3,700 (first-year treatment plan)
Deductible already met for this diagnosis
Reimbursed at 90%: $3,700 × 90% = $3,330
👉 You are reimbursed $3,330; your out-of-pocket is $370 (10% coinsurance after deductible).
ℹ️ Trupanion's unlimited annual coverage means no payout cap for eligible cancer treatments within policy terms.
Broken Leg Surgery & Rehabilitation Costs
Total vet costs: $5,200 (surgery, medication, physiotherapy)
New condition; deductible to subtract: $250
Amount after deductible: $5,200 – $250 = $4,950
Reimbursed at 90%: $4,950 × 90% = $4,455
👉 You are reimbursed $4,455; you pay $745.
ℹ️ Trupanion covers prescribed physical rehabilitation with the Recovery and Complementary Care Rider. Preventive and wellness care (like vaccinations, routine exams) are not covered in any tier.
State Farm Assistance
| Assistance State Farm | Available? | Details |
|---|---|---|
| Advance payment | ✅ | Trupanion offers direct payment to participating vets. You pay only your share at checkout. No CareCredit. |
| Payment facilities | ❌ | No installment payment or “buy now, pay later” plans for premiums or copayments. |
| Mobile app | ✅ | Trupanion app: file claims, track status, update info. State Farm app (4.8/5 iOS): policy management only, not for pet claims. |
| Paperless claims process | ✅ | Claims submitted via Trupanion app or website; upload documents digitally. No paper needed for most claims. |
| Emergency vet service | ❌ | No 24/7 emergency vet helpline or teleconsultation included with policy. |
| Vet/clinic partner network | ❌ | No restricted network; any licensed U.S. vet can be used. No discounts or preferred provider benefits. |
| Coverage abroad | ✅ | Coverage in US, Canada, Puerto Rico, Australia, and territories. Duration: for travel or relocation; no set max. |
State Farm app (4.8/5 iOS): policy management only, not for pet claims.
No paper needed for most claims.
No discounts or preferred provider benefits.
Duration: for travel or relocation; no set max.
State Farm Customer Reviews
On the positive side, customers who subscribed to State Farm pet insurance often mention:
- ✅ A reliable claims process, especially when using the direct payment option at participating veterinary clinics.
- ✅ The convenience of using any licensed veterinarian, without a restricted provider network.
- ✅ An unlimited annual payout, with policyholders appreciating the lack of reimbursement caps when eligible.
- ✅ The simplicity of having one comprehensive plan and the ability to customize deductible and coinsurance amounts.
On the negative side:
- A lack of coverage for wellness and preventive care, such as vaccinations and annual exams, is cited as a drawback.
- An absence of 24/7 emergency veterinary helpline or digital teleconsultation service.
- A need to pay veterinary exam fees out of pocket, as these are not covered by the standard policy.
- Complaints regarding the exclusion of pre-existing conditions and preventive treatments for pets.
Contacting State Farm
| State Farm 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 Trupanion: online at https://members.trupanion.com/, by phone at 855-518-1410, or through the Trupanion mobile app. Required: completed claim form, itemized vet invoices, medical records (if requested). Payment by direct deposit or check. Processing: majority within a few days. |
| To obtain a certificate of insurance | Contact your local State Farm agent, call customer support at 800-STATEFARM (800-782-8332), or request through your online State Farm account. Provide policy number and identification. |
| To contact assistance | For general help, contact your local State Farm agent or call 800-STATEFARM (800-782-8332). For pet insurance policy or claim-specific assistance, call Trupanion at 855-518-1410 or email [email protected]. Mail: American Pet Insurance Company, 6100 4th Ave S, Seattle, WA 98108. |
| To cancel my policy | Contact Trupanion by phone at 855-518-1410 or email [email protected]. Provide a written cancellation request and your policy number. Notice period generally not required; cancellation effective upon receipt. A written confirmation of cancellation will be sent for your records. |
Required: completed claim form, itemized vet invoices, medical records (if requested).
Payment by direct deposit or check.
Processing: majority within a few days.
Provide policy number and identification.
For pet insurance policy or claim-specific assistance, call Trupanion at 855-518-1410 or email [email protected].
Mail: American Pet Insurance Company, 6100 4th Ave S, Seattle, WA 98108.
Provide a written cancellation request and your policy number.
Notice period generally not required; cancellation effective upon receipt.
A written confirmation of cancellation will be sent for your records.
FAQ
Do I have to pay upfront for veterinary fees with State Farm?
Yes, you generally pay the veterinary clinic directly at the time of service. If your veterinarian partners with Trupanion's direct pay program (the insurer behind State Farm pet insurance), claims may be settled directly with the clinic. Otherwise, you'll pay out of pocket and then file a claim for reimbursement as outlined in your policy. Always keep itemized invoices for claims.
How do I cancel my pet insurance policy with State Farm?
To cancel your policy, contact Trupanion customer service by phone or email and provide a written cancellation request, plus your policy number. There is no required notice period; your cancellation takes effect upon receipt of your request. If you cancel within the first 30 days and no claims were paid, you can get a full refund. Always request written confirmation for your records.
What types of coverage are included in State Farm pet insurance policies?
State Farm pet insurance, administered by Trupanion, covers unexpected accidents, illnesses, hereditary and congenital issues, surgeries, diagnostic tests, hospital stays, and many prescription medications. You can use any licensed veterinarian in the U.S. Coverage does not include wellness services like vaccines, routine dental cleanings, exam fees, or pre-existing conditions. Optional riders allow you to add broader coverage for rehabilitation or owner assistance.
How do I submit and receive reimbursement for claims?
Claims can be submitted via the Trupanion website, mobile app, by phone, or by mail. You’ll need to provide a completed claim form, vet invoices, and your pet’s medical records if requested. If your clinic participates in direct pay, payment can go straight to the vet; otherwise, reimbursement is by check or direct deposit. Most claims are processed within a few business days, with 60% paid in 24 hours.
Are there any exclusions or waiting periods I should know about?
Yes, State Farm pet insurance excludes any pre-existing conditions, preventive care, routine wellness services, exam fees, cosmetic/elective procedures, and issues arising within the policy’s waiting periods (5 days for accidents, 30 days for illnesses). There are also exclusions for injuries due to neglect, intentional harm, or unapproved treatments. Carefully review the full list of exclusions and waiting periods in your policy documents.
Can I customize my pet insurance plan through State Farm, and are there age or breed limits?
State Farm, via Trupanion, offers only a single, comprehensive accident and illness plan but lets you choose your deductible and coinsurance level to personalize your premium. There are no upper age limits for enrolling cats and dogs, and all breeds are eligible. However, new pets may require a recent veterinary exam, and your choices at sign-up will affect your policy and rates.
Do I have to pay upfront for veterinary fees with State Farm?
Yes, you generally pay the veterinary clinic directly at the time of service. If your veterinarian partners with Trupanion's direct pay program (the insurer behind State Farm pet insurance), claims may be settled directly with the clinic. Otherwise, you'll pay out of pocket and then file a claim for reimbursement as outlined in your policy. Always keep itemized invoices for claims.
How do I cancel my pet insurance policy with State Farm?
To cancel your policy, contact Trupanion customer service by phone or email and provide a written cancellation request, plus your policy number. There is no required notice period; your cancellation takes effect upon receipt of your request. If you cancel within the first 30 days and no claims were paid, you can get a full refund. Always request written confirmation for your records.
What types of coverage are included in State Farm pet insurance policies?
State Farm pet insurance, administered by Trupanion, covers unexpected accidents, illnesses, hereditary and congenital issues, surgeries, diagnostic tests, hospital stays, and many prescription medications. You can use any licensed veterinarian in the U.S. Coverage does not include wellness services like vaccines, routine dental cleanings, exam fees, or pre-existing conditions. Optional riders allow you to add broader coverage for rehabilitation or owner assistance.
How do I submit and receive reimbursement for claims?
Claims can be submitted via the Trupanion website, mobile app, by phone, or by mail. You’ll need to provide a completed claim form, vet invoices, and your pet’s medical records if requested. If your clinic participates in direct pay, payment can go straight to the vet; otherwise, reimbursement is by check or direct deposit. Most claims are processed within a few business days, with 60% paid in 24 hours.
Are there any exclusions or waiting periods I should know about?
Yes, State Farm pet insurance excludes any pre-existing conditions, preventive care, routine wellness services, exam fees, cosmetic/elective procedures, and issues arising within the policy’s waiting periods (5 days for accidents, 30 days for illnesses). There are also exclusions for injuries due to neglect, intentional harm, or unapproved treatments. Carefully review the full list of exclusions and waiting periods in your policy documents.
Can I customize my pet insurance plan through State Farm, and are there age or breed limits?
State Farm, via Trupanion, offers only a single, comprehensive accident and illness plan but lets you choose your deductible and coinsurance level to personalize your premium. There are no upper age limits for enrolling cats and dogs, and all breeds are eligible. However, new pets may require a recent veterinary exam, and your choices at sign-up will affect your policy and rates.
