State Farm Pet Insurance Review 2025

State Farm pet insurance, provided by Trupanion, earned 3.9 stars out of 5 for overall performance.

State Farm and Trupanion's plans have several appealing features, such as unlimited lifetime coverage for all pets. Trupanion also offers the option to pay your vet directly. Even if your pet’s vet doesn’t accept direct payments, Trupanion says it pays more than 70% of claims within 24 hours. The company’s per-condition lifetime deductible could save you money if your pet develops a chronic illness.

However, policies from Trupanion and State Farm don’t cover exam fees. There’s no accident-only plan, and you can’t purchase wellness coverage as an add-on.

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State Farm and Trupanion offer a single, comprehensive accident and illness plan. It covers:

• Accidental injuries.

• Illnesses, including cancer.

• Allergies.

• Hereditary and congenital conditions.

• Surgeries and hospitalization.

• Diagnostic tests.

• Prescription medications.

• Veterinary supplements and herbal therapy.

• Prescription food for up to 60 days.

• Prosthetic devices and carts.

Depending on where you live, you may also be able to add one or more of the following packages.

Recovery and Complementary Care rider

This package provides 90% reimbursement for the following types of treatment:

• Rehabilitative care.

• Behavioral modification.

• Acupuncture.

• Hydrotherapy.

• Chiropractic care.

• Homeopathic and naturopathic treatment.

Pet Owner Assistance Package endorsement

This package provides coverage for:

• Third-party liability. That means if your pet damages someone else’s property, Trupanion could help cover the costs.

• Advertising and rewards if your pet is lost or stolen.

• Boarding fees for your pet if you’re hospitalized for more than four days.

• Vacation cancellation reimbursement if you have to cancel travel because your pet is sick or injured.

• Cremation or burial. 

Breeding rider

This rider covers issues related to breeding, whelping and queening if you intentionally breed your pet. You may need to call Trupanion to add this option to your plan.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

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State Farm and Trupanion policies don’t cover:

• Pre-existing conditions.

• Exam fees.

• Wellness visits.

• Preventive dental care.

• Elective and cosmetic procedures such as tail docking, ear cropping, and declawing.

• Preventable conditions, such as parasitic infection.

• Spay or neuter surgery unless required to treat an accident or illness.

Many of these exclusions are standard in the pet insurance industry. However, there are other companies that will cover exam fees and wellness care.

Deductibles: A pet insurance deductible is the amount you have to pay before your plan reimburses you for vet expenses. In most states, Trupanion allows you to choose a deductible between $0 and $1,000. Unlike other pet insurers, Trupanion applies a deductible to each condition over the pet’s lifetime, rather than annually.

So if your dog broke her leg, you’d pay a single deductible to cover treatment related to the injury. But if she developed chronic kidney disease two months later, a separate deductible would apply. If she required medication for the rest of her life, you wouldn’t pay out of pocket for the medication once you hit the deductible for the kidney disease.

In Maine, Trupanion policies have no deductible.

Reimbursement amounts: Once you’ve met your deductible, Trupanion will cover 90% of your vet bills in most states. In Maine, you can choose a reimbursement amount between 50% and 90%.

Coverage limits: Unlimited.

Age restrictions: You can enroll your pet through age 13. Those 14 or older aren’t eligible for new enrollments, but older pets can keep their plan if coverage started when they were younger.

Waiting periods: A pet insurance waiting period is the time between when you buy your policy and when your coverage starts. State Farm and Trupanion waiting periods vary by state.

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The cost of State Farm pet insurance from Trupanion will depend on where you live and your pet’s age and breed.

Sample rates for dogs

To give you a rough idea of what your pet’s rates might be, we gathered sample Trupanion rates for several popular dog breeds at ages 2 and 8. Rates below are sample monthly premiums for dogs living in Katy, Texas. Our sample plan had accident and illness coverage with a $250 deductible, unlimited annual coverage and a 90% reimbursement rate. Your price will vary.

Sample rates for cats

We also collected rates for popular cat breeds with the same coverage limits as above. Rates below are sample monthly premiums for cats living in Katy, Texas.

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Discounts

In most states, Trupanion offers a discount to animals who provide therapy services or help with a disability. Emotional support animals don’t qualify.

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Trupanion is licensed to sell pet insurance in all 50 states and Washington, D.C.

Availability may change at any time. Coverage may not be available to all pets in a given state.

Website: You can find basic information about pet insurance policies on State Farm’s website, but if you want a quote, the site directs you to a State Farm agent. For an online quote, visit Trupanion’s website, which also provides live chat and a detailed FAQ.

Mobile app: Trupanion doesn’t currently have a mobile app.

If your veterinarian accepts Vet Direct Pay, they can submit your bill directly to Trupanion. Otherwise, you’ll have to pay the bill and request reimbursement. You can file a claim online by logging into your account and uploading your invoice. You also have the option to download a claim form and submit it manually via email, fax or mail.

Like many pet insurance companies, Trupanion applies the reimbursement rate to your vet bill before the deductible when calculating your claim payout. That makes for a lower payout than the method some other companies use.

Here’s how the math would work if you had a $3,000 vet bill and a $200 deductible.

For help with your plan, reach out directly to Trupanion.

Phone: Representatives are available 24/7 by phone at 888-733-2685.

Email: Send messages to info@trupanion.com.

Live chat: Agents are available 24 hours.

Other pet insurance companies to consider

Not ready to make a decision? You may be interested in these other pet insurance companies:

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