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.
Accident-Only
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 | 14-day |
| 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
