State Farm Pet Insurance Review 2024

State Farm pet insurance is provided through Trupanion.
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State Farm

State Farm Pet Insurance
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NerdWallet rating 

4.0

/5
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on Money.com

Annual max coverage

Unlimited

Reimbursement rates

90% in most states

Deductibles

$0 to $1,000 per condition

Policy highlight

Per-condition lifetime deductible in most states.

Pros

  • Covers hereditary and congenital conditions.
  • Option to pay your vet directly.
  • Unlimited coverage for your pet’s lifetime.
  • Premiums don’t automatically increase as your pet ages.

Cons

  • No wellness or accident-only plan.
  • Exam fees aren’t covered.
  • Mobile apps receive below-average ratings.

State Farm and Trupanion policies provide unlimited coverage for your pet’s lifetime.

About State Farm pet insurance

4.0

NerdWallet rating 

State Farm pet insurance, provided by Trupanion, earned 4 stars out of 5 for overall performance. State Farm and Trupanion's plans offer several appealing features, such as unlimited coverage over a pet’s lifetime and an option for Trupanion to pay your vet directly. Even if your pet’s vet doesn’t accept direct payments, Trupanion says that 70% of claims are paid 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.

Plans and coverage

State Farm and Trupanion offer a single plan that covers accidents and illnesses. There’s no option to add a wellness plan for routine care. The plan covers:

  • Accidental injuries.

  • Illnesses, including cancer.

  • Allergies.

  • Hereditary and congenital conditions.

  • Surgeries and hospitalization.

  • Diagnostic tests.

  • Prescription medications.

  • Veterinary supplements.

  • Prescription food for up to two months.

  • Prosthetic devices and carts.

Depending on where you live, you may also be able to add up to three optional packages. These include:

Recovery and Complementary Care rider

This package provides 90% reimbursement for the following types of treatment, provided that they aren’t associated with a pre-existing condition:

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

  • Costs of 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

The breeding rider covers accidents and illnesses related to breeding, whelping and queening if you intentionally breed your pet.

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

What’s not covered

State Farm and Trupanion policies don’t cover:

  • Exam fees.

  • Wellness visits.

  • Preventive dental care.

  • Elective and cosmetic procedures, including tail docking, ear cropping, declawing, dew claw removal and microchip implantation.

  • Preventable parasitic infection.

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

Plan options

Deductibles: A pet insurance deductible is the amount you must 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.

Reimbursement amounts: Once you’ve met your deductible, Trupanion will cover 90% of your vet bills in most states. Like many pet insurance companies, Trupanion applies the reimbursement rate to your vet bill before the deductible when calculating your claim payout. For example, if you had a $3,000 vet bill and a $200 deductible, Trupanion’s 90% reimbursement rate would be applied as follows:

  • $3,000 vet bill x 0.9 (90% reimbursement rate) = $2,700.

  • $2,700 - $200 deductible = $2,500 reimbursement.

Did you know...

Insurers applying the deductible to your vet bill first would pay a little more for each claim. Here’s the math for the scenario described above:

  • $3,000 vet bill - $200 deductible = $2,800.

  • $2,800 x 0.9 (90% reimbursement rate) = $2,520 reimbursement.

Coverage limits: Unlimited.

Restrictions and waiting periods

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 you started coverage when they were younger.

Waiting periods: A waiting period is the time between when you buy your policy and when your coverage starts. State Farm and Trupanion plans have a five-day waiting period for accidental injuries and a 30-day waiting period for illnesses.

Sample rates

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

To give you a rough idea of what your pet’s rates might be, we gathered sample 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.

Breed

Age 2

Age 8

French bulldog

$229

$530

German shepherd

$174

$400

Golden retriever

$157

$358

Labrador retriever

$164

$376

Medium mixed-breed dog

$109

$247

Poodle

$135

$307

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.

Breed

Age 2

Age 8

Devon rex

$52

$146

Domestic shorthair

$41

$111

Exotic longhair

$43

$118

Maine coon

$56

$160

Persian

$45

$124

Ragdoll

$38

$103

Discounts

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

State availability

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.

Digital experience

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.

You can use Trupanion’s mobile app to see account information and submit invoices from your vet. However, the app doesn’t work well for all users, judging by its middling ratings in the App Store and on Google Play.

How to file a claim

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 from Trupanion. 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.

How to contact customer service

Trupanion representatives are available 24/7 by phone at 855-210-8749 or via live chat on the website.

Getting a quote

You can start a pet insurance quote on State Farm’s website by entering your ZIP code. After you enter your name and address, the website will direct you to contact a local agent.

As an alternative, you can get a quote directly from Trupanion’s website. The process may vary depending on where you live, but in general, you’ll be asked for the following information:

  • Your pet’s name, sex, age and breed.

  • Type of pet (dog or cat).

  • Your ZIP code.

  • Your phone number (optional) and email address.

  • Whether your pet is spayed or neutered, and whether they’re a support animal.

  • The name of their primary veterinarian.

From there, you’ll receive a quote that you can typically customize by adjusting the deductible. In most states, reimbursement levels are automatically set at 90% with no cap on coverage. You can then purchase the policy by providing your name, contact info, and bank account or credit card number.

State Farm vs. competitors

Here’s how State Farm stacks up against other popular pet insurers.

Company

NerdWallet star rating

Maximum coverage limit

Policy highlight

4.0

NerdWallet rating 

Unlimited

Per-condition lifetime deductible in most states.

5.0

NerdWallet rating 

Unlimited

Broader coverage than most other plans.

5.0

NerdWallet rating 

Unlimited

Many ways to save on your policy.

4.0

NerdWallet rating 

Unlimited

May be able to pay your vet directly.

4.0

NerdWallet rating 

$100,000

Pays some claims within minutes.

4.5

NerdWallet rating 

Unlimited

Covers dogs, cats, birds, rabbits and other pets.

How we review pet insurance

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, discounts, financial strength ratings from AM Best and more to determine our star ratings.

Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong financial rating. Within the consumer experience category, we looked at features such as mobile app ratings and whether the company offers direct vet payments. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

Dive deeper with our criteria for evaluating pet insurance companies.

Frequently asked questions

State Farm offers pet insurance through a partnership with a company called Trupanion. You can get quotes through a State Farm agent or on Trupanion’s website.

The cost of State Farm and Trupanion pet insurance can vary based on your pet’s age, breed and ZIP code. But in our sample rates from the Trupanion website, we found monthly costs between $109 and $530 for dogs and between $38 and $160 for cats.

State Farm and Trupanion pet insurance covers treatment for accidents and illnesses. However, it doesn’t pay for preventive care or sick exam fees.

Methodology

Pet insurance star ratings

NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Pet insurance sample rates

To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons. Each plan for a given company had the same deductible, coverage limit and reimbursement rate for all sample pets.

These are sample rates gathered for specific pets living in Katy, Texas. Your own rates will be different.

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