Farmers Pet Insurance Review

 Jake Parker

In a Nutshell

Farmers is one of the biggest insurers in the US, but you might not know that this company can also insure your pet. Pet Insurance through Farmers® is provided by Pets Best. Farmers teamed up with Pets Best in 2014 to offer their pet insurance, so that Farmers could offer the same kind of quality insurance for pets that its customers have grown to trust.


  • Plans for all budgets
  • Additional wellness package available


  • Doesn’t cover pre-existing conditions

Farmers Farmers Visit Site

Pet insurance is a great way to avoid large expenses as your pet ages and can be a very beneficial decision.

The Company at a Glance

Pets covered
Cats and Dogs

Waiting period

14 days for illness, 3 days for accidents


$100-$1000 depending on the plan

Reimbursement model

70%-90% depending on plan

Suitable For

Totally customizable pet insurance plans


What Does it Cover

Depending on your individualized plan, your pet could be covered for accidents as well as things like birth defects, cancer, allergies, ear infections, diabetes, skin problems, and tissue diseases. Coverage will cover the cost of medication, surgeries, and even rehabilitation if deemed necessary.

Insurance Plans & Pricing

There are two tiers of service offered by Farmer’s Pet Insurance: Accident-Only and BestBenefit Accident and Illness. Both are customizable to your specific needs and budget. 

BestBenefit Accident and Illness

This plan offers the broadest coverage including accidents, illnesses, and a broad range of treatments. Your premiums and deductibles under this plan will vary quite a bit with cats generally a little cheaper to insure. You can adjust your deductible to fit your budget, so your monthly bill will come out somewhere between $7-$25 for cats and $12-$40 for dogs. 


This plan is a great budget option if you know you need coverage but maybe can’t afford the pricier plan. While we advise insuring your pet comprehensively and early, that isn’t always an option. Accident coverage is $9 per month for dogs and $6 for cats. In Washington, plans costs an extra $1 per month.

Wellness Routine Care

An added bonus is the Wellness Routine Care package which helps you pay for things like flea and tick prevention, check-ups, and routine shots.

What is Not Covered

There are no limitations except treatment for pre-existing conditions. Also, claims can’t be filed during the waiting period. Because of this we recommend insuring your pet as soon as you get her/him.

Waiting Periods

The waiting period for illnesses is 14 days from your coverage start-date and 3 days for accidents. This is to prevent insurance fraud.

Reimbursement and deductibles

Unlike most pet insurance companies, Farmers lets you set your own reimbursement level and deductibles. This means, if you don’t mind risking a higher deductible (up to $1000), you can pay a much lower amount month to month. The same thing goes for reimbursement. You can lower your reimbursement percentage to get a lower rate or raise it to 90% to increase your coverage.

Claims and Service

Submitting a claim is super simple. Just add the receipt from your vet visit to your account on the Pets Best app or website. It usually takes about 5 days to hear back about your claim and you can receive your reimbursement via mail or direct deposit. You can also check on the status of your claim with the Farmers app.

Customer Service (for Pet Insurance through Farmers and PetsBest) can be reached by phone at 877-464-6542 in the US or through live chat on the website. Another great way to take care of all your insurance needs is through a Farmers insurance agent. These professionals can help you figure out the right insurance options to save you money and handle all the administrative stuff.

What You Might Like

The great thing about choosing Pet Insurance through Farmers and PetsBest is you can take care of all of your insurance in one place. Also, a high level of customizability is offered so you can create a package that fits your budget and needs.

What Farmers Could do Better

Pet Insurance through Farmers is provided by Pets Best, a highly reputable insurer with an excellent track record with claims and customer service. However, we would like to see some coverage options for pets with pre-existing conditions like feline aids and cancers.

Contact Details and Address

Phone: 877-464-6542

2323 S.Vista Ave.Ste. 100 Boise, ID 83705

Farmers Farmers Visit Site

How The Company Compares


Waiting period

3 to 14 days



48 hours to 14 days

Reimbursement rate

70% to 90%


70% to 90%

70% to 90%

Annual Deductible

$100 to $1,000


$100, $250, or $500

$200 to $1,000

Coverage limit

$5,000 to unlimited


$5,000 to unlimited

$5,000 to $30,000

Compared to smaller insurers like Petplan, Pet Insurance through Farmers and Pets Best has a much better reputation with claims. They are also not known to suddenly raise premiums exponentially on their customers like other pet insurers have been known to do after a claim is made.

Bottom Line

The Pet Insurance through Farmers and Pets Best service is a great option when it comes to getting tailored insurance for your pet. Its prices are affordable and the company has a great reputation, exactly what you want when safeguarding your pet’s future.

Jake is a freelance writer from Britain. After studying climate science, he began writing full time in 2018 and his favorite topics include sustainability and technology. When not travelling and writing, he can be found editing videos or trying to fix some mechanical problem, normally on his latest cheap vehicle.

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23 Jan 2021

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