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Farmers® Review

Reviews 178
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Reviews 178
Jacob Parker
Jan. 30, 2023
3 min read
Jacob Parker
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

Farmers at 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:

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 www.americanpetinsurance.com to review all available pet health insurance products.

Jacob Parker
Written by
Jacob 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.‎
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