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Farmers® Review

Find a customized quote easily

Reviews 21

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Jacob Parker
Jacob Parker
May. 03, 20214 min read

Farmers summary

Farmers® is one of the biggest insurers in the US, but you might not know that this organization also offers pet insurance. 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
Farmersat a glance

Editorial score

Online experience

Basic site with some learning resources


Customizable rates and services

Customizable plans and rates, 50-90% reimbursement, no upper age limit


Claims payout waiting period



Customer support

24/7 communication and a pet hotline available



Multiple bundles available


Farmers Farmers Visit Site

What's Covered? 

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

Insurance Plans & Pricing 

Pet Insurance through Farmers® offers two primary areas of coverage: Accident-Only and BestBenefit Accident and Illness.

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 may come out somewhere between $22-$46 for cats and $35-$58 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 cost 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's Not Covered

Pre-existing conditions aren't covered. 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. Cruciate ligament conditions have a 6-month waiting period. This is to prevent insurance fraud.

Reimbursement and Deductibles 

Unlike most pet insurance companies, Pet Insurance through 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 upload the invoice from your vet visit to your account on the Pets Best app or website, then receive your reimbursement via mail or direct deposit.

Customer Service (for Pet Insurance through Farmers® and Pets Best) 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 insurance options to save you money and handle most of the administrative stuff.

What You Might Like

The great thing about choosing Pet Insurance through Farmers® and Pets Best 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 company with an excellent track record with claims and customer service. However, we would like to see some coverage options for 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 

How The Company Compares:

Farmers® ASPCA
Waiting period
3 to 14 days
Reimbursement rate
70% to 90%
70% to 90%
Annual Deductible
$100 to $1,000
$100, $250, or $500
Coverage limit
$5,000 to unlimited
$5,000 to unlimited

Compared to 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

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.

Farmers Farmers Visit Site


5% discount applies to BestBenefit plans; discount not available in AK, FL, HI, or TN. Additional 5% if insuring more than one pet.

Select a plan that reimburses 70%, 80%, or 90% of the cost of eligible veterinary treatment. Limited to covered expenses.

Pet Insurance through Farmers® is provided by Pets Best. Pets Best Insurance Services, LLC places pet insurance with an insurer offering that coverage (American Pet Insurance Company). Pets Best and the insurer are not affiliated with Farmers® Insurance. The pet insurance insurer(American Pet Insurance Company) has sole financial responsibility for their products and services.

Pet insurance coverage is offered and administered by Pets Best Insurance Services, LLC and is underwritten by American Pet Insurance Company, a New York insurance company. Please visit to review all available pet health insurance products.

Jacob Parker
Written byJacob Parker

Jacob Parker is a financial and technology writer. With a background in climate science, he's deeply interested in the intersection of fintech and sustainability and has a passion for impact investing and ESG research. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

AverageReviews 21

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Trustpilot reviews

See what some costumers are saying about Farmers
AverageReviews 21
  • author
    Cou Pon
    Sep 24, 2021
    Horrible insurance company

    This is a horrible insurance company. I have been a long time policyholder without any accident claims. Last month, I was involved in an accident that wasn't my fault. The company denied my claims for the damages. On top of that, they increased my premiums as a result. The company is focused on profits over the policyholders.


  • author
    Jul 04, 2021

    I received a flyer in the mail offering me a premium on my homeowners' insurance of $660/year. I called the phone number on the flyer. They referred me to Farmers Insurance, an agent named Bruce Grebin. I called Bruce for a quote on my three homeowners policies. Farmers Insurance quotes were more than 500% higher than the quotes I received from AllState Insurance. Want to get a new you-know-what ripped for yourself? Just insure with Farmers.


  • author
    May 26, 2021
    The worse Insurance Company..

    The worse Insurance Company... I trusted them and I thought that they would take care of me because I've been with them for more than 10 years with Autos. I bought a house last year and I trusted them for Homeowners Insurance that they will take care of me and I never once questioned it. No agents talked to me about the coverage just added homeowners insurance. Well, finally I got a chance to test their policy. I had two electric bikes that were stolen from my backyard at my property with locks that these cost me close to $5000. So, I was really upset and still upset and looking around my town if someone else are riding around with them. I filed a claim for lost property and maybe with deduction I will get some money for my claim. Lo and behold, Farmers declined my claim that they said they cannot issue any money. Farmers said that electric bikes are motor vehicles so they are not covered under my homeowners policy. Imagine that, no one ever told me that even their agents. I am shopping for a new insurance now and also other members of my family are going to switch from FARMERS. Yeah, for a couple or $3000 of payback for stolen property, they are going to lose out $10000 at least per year. DO NOT TRUST FARMERS... money hogs they are.


  • author
    Kat Tyler
    Jan 19, 2021
    I just switched So Happy

    I just switched my Home, Auto, Motorcycle and horse trailer to Farmers. I worked with Joseph Allred. He patiently reviewed my current coverage, took away thing I didn't need and add things I should have. So professional and truly cares about you as an individual. I feel in great hand, great to have someone looking our for you when you need it. Thanks, Joe


  • author
    Dec 28, 2020
    Good experience

    An overall positive experience.


  • author
    Ori Barkan
    Dec 28, 2020
    Great coverage for my puppy

    Great coverage for my pet, I LOVE them so much.


  • author
    Herry Hocklin
    Nov 03, 2020
    Have had some billing mishaps that…

    Have had some billing mishaps that didn’t go favorably


  • author
    Sep 28, 2020
    If anyone is thinking of purchasing this insurance save your money!

    If anyone is thinking of purchasing this insurance...Save your money. They are very unprofessional and rude. Do not return phone calls in a timely fashion, do not provide complete instructions and information to complete documents. Treated us as if we were the ones at fault when it was their client that hit us. It took over a month to come to a decision on our vehicle and we never did receive a rental car even after requesting one! Very stressful situation when it didn't need to be if they would have just given us accurate and complete information, good thing we checked with a lawyer as to our rights.


  • author
    Nick S
    Apr 21, 2020
    The best insurance agency out there

    The best insurance agency out there! Love farmers. Super intuitive and easy


  • author
    david benoit
    Dec 15, 2019



  • author
    Yishan Ma
    Jul 24, 2019

    TL; DR: CHEAP, SHADY, LAZY and IRRESPONSIBLE. STAY AWAY FROM THEM IF YOU DONT WANT AFTERMARKET PARTS AND ZERO EMPATHY. I got rear-ended by a farmers insurer. It took them a whole week to give me an estimation, while I was being responsive and fast, the estimation only has one item: take off my rear bumper - If you are gonna spend five days on an estimate, you better do your damn job. Dont BS me about you having other claims, if you gonna spend 5 days, you better show your work. LAZY and RUDE, is what I got from the adjusters at the office. They are out of state, irresponsible, not responding and lazy. They said my car is in drivable condition so they won't give me a rental while I was waiting for the estimation. I drove the car with my rare bumper pops out for the whole week. So A WEEK later after the accident finally took my car to the bodyshop. The bodyshop guy is actually nice and he told me the praiser told him holding off ordering the part and they expect "LKQ and a/m CAPA". which means not original parts. This is just a glance of HOW CHEAP they are. When they finally got me a rental, they really made the enterprise people laugh. The guy at enterprise literally told me, they had contract with farmers & the cheapest car they have is $23. and they quote me for $21, and it is only for two days. HOW RIDICULOUS! I certainly don't care much about the $2/day. But I won't allow myself to take it without a fight.. well,, the adjuster on my claim is out of the office for the week. And it goes to voicemail.


  • author
    Jul 18, 2019
    Farmers Insurance

    Farmers Insurance - Erin Isaac in San Angelo TX, the worst agent, keep billing me for some error they made, talked to them many times, every time they said it was fix, then I got a threatening letter from them telling me that they were going to send my bill to a collection agency, I paid it, because I knew they will just lie, there were many hours I wasted talking to them, and even after I paid it, and called them, they told them, I told you it was fix, a very frustrating experience.


  • author
    Bridgett childress
    Jun 20, 2019
    There should be no stars for this one…

    There should be no stars for this one but it was,the only way I could make a statement farmers is a joke it was said once u file a claim your unknown to them how does an other party file a claim on the insured start a claim possess for an auto accident only for the insured to be notified by mail with an. O open claim be told that there is no ins cover then why open a claim if this is true ya dropped my coverage when a auto accident was reported and not by me ask u to send info on policy you say my mail coming back to u no such address put I got the claim letter from u with the same address how's that something going on and I will get to the bottom of it and come out on top never give up and surely don't give in all in the name of Jesus and it shall be done amen


  • author
    Philipp Merillat
    Jun 15, 2019
    Farmers Insurance at the Ramos Agency in Silver City, New Mexico

    My experience at Farmers Insurance in Silver City has been excellent. Both Mr. Michael Torres and Gabriel Ramos have been helpful and courteous and prompt. There's never been a disagreement or misunderstanding between us and the same was true of Farmers Insurance in Albuquerque some twenty five years earlier when my auto policy was first started with them there. They are dependable people and trustworthy.


  • author
    Gerald Scott
    Jun 09, 2019
    They got my address wrong, which is a big problem...

    When dealing with auto insurance, or any insurance, you must be truthful about your address. Providing a wrong address knowingly is considered fraud. Upon starting my auto insurance with farmers the agent over the phone recorded my address wrong. I called her the next day to point this out and she denied her mistake and said it didn't really matter anyway. What's more is the address she entered into the system DOESN'T EVEN EXIST. What?????? Calls are recorded, and I challenge Farmers Insurance to review my call with the agent. I gave one address and she took liberties to assume I meant something else. It was likely a simple misunderstanding in reality, but the agent refused to admit fault, as if I gave her the wrong address, which is downright silly and insulting to even consider. When I register my vehicle, you better believe the state will have a problem if I provide insurance documents that list an address that doesn't exist, or the police for that matter. That was 5 days ago and this issue STILL has yet to be sorted out and Farmers (or Bristol West) have yet to provide me the common courtesy of saying sorry OR fixing their error on my insurance documents - thanks for that.


  • author
    Beena job
    May 20, 2019
    Farmers insurance gives the best rates…

    Farmers insurance gives the best rates for home and business insurance!!!!Arya Agency, Ashburn was so good to me!!! They provided me with a great coverage,rates and discounts


  • author
    Catherine Weber
    May 13, 2019
    IDENTITY THEFT with Farmers

    I moved to Farmers after being with State Farm for 15 years due to significant savings. I asked them for a life insurance quote at one point and never moved forward with it. I find out about a year later that the individual who quoted me, forged my electronic signature by using a fake yahoo account to email it to and ended up opening the life insurance themselves in order to get the commission. In addition, they opened a credit card in my name to charge the premiums too! Can you say IDENTITY THEFT? Corporate did finally refund me all of the money I ended up being out - but only after asking me to jump through hoops proving what was going on even though they could see the paper trail in their system. But in the end they refused to prosecute the person who did it. I understand that this was an individual acting on his own - but the fact that Farmers would not prosecute is a HUGE issue for me.


  • author
    Justice Crusader
    Jan 22, 2019
    Farmers Insurance has no respect for human life

    Farmers Insurance - a sad and sorry big-corp full of soul-less agents who have no respect for human life - offered $200, TOTAL, for my pain after my car was hit on Oct. 2, 2017. Along with 5 MRI’s, Farmers ignored my newly discovered Osteoporosis, a first-ever partially dislocated right shoulder, plus the first-ever lump that surfaced in January 2018, which I feared might be cancer. --- Even now, Farmers Insurance continues to withhold fair and reasonable financial compensation. Beware of Farmers Insurance. Help spare other people from going through a Farmers-Insurance-generated HELL. Get the word out about Farmers Insurance!


  • author
    david bowie
    Oct 29, 2018
    Nothing but positive experiences with…

    Nothing but positive experiences with Farmers and their claims department


  • author
    Jamarv Jackson
    Mar 31, 2018

    CONSUMERS BEWARE!!!! Do not go with Farmers Insurance. We had a house fire May of 2017 farmers promises it would be an easy process but they did not advise that we would have most of our property stolen, what we have left devalued, that we would have to purchase replacement items then submit a receipt for possible replacement, get kicked out of a hotel in the middle of renovation or not be paid out for the full cost of renovation. This has been the worst experience ever. Not to exclude being forced to open a new claim for our items stolen under this claim and come out of pocket on the deductable in order to retrieve any possible replacements.Maria Gaines out of Oklahoma City, OK is the rudest and insufficient agent ever.


  • author
    Oct 17, 2017
    They need away to be able to put 0 …

    They need away to be able to put 0 stars. This is the most horrible company I have ever come across in my whole life. Their client caused an accident and I received major bodily harm. Their client was 100% at fault. They refused to cover the whole cost of my rental car. They didn't want to pay the full amount of my medical expenses, so I hired an attorney. Even with an attorney they fought tooth and nail to screw me out of thousands of dollars in medical bills. Farmers needs to take responsibility and pay out fairly for their claims. I was a victim of their client and Farmers should have stepped up and taken care of my injuries and property damage fairly. If Farmers wanted to be compensated for their loss, they should have gone after their client....not the victim.


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