Farmers Pet Insurance, offered through a partnership with Pets Best, has earned a 5-star rating based on our pet insurance methodology. This makes it our top pick for Farmers members looking to insure their beloved pets. Farmers Pet Insurance provides coverage in all 50 U.S. states, offering a range of policies to suit different needs and budgets. While the company excels in areas such as cost, plan types, and covered treatments, it falls short in terms of brand reputation, with poor customer ratings on sites like Trustpilot and the Better Business Bureau.
One of the standout features of Farmers Pet Insurance is the variety of plans available. Customers can choose from low-cost, flat-rate plans or opt for more comprehensive coverage with no coverage limits. Additionally, there is no upper age limit for enrolling pets, allowing animals as young as 7 weeks to be covered. This flexibility and inclusivity make Farmers a popular choice among pet owners.
When it comes to pricing, Farmers Pet Insurance offers competitive rates compared to other providers. The average cost of a policy through Pets Best, the company that administers Farmers‘ pet insurance plans, is $33 per month. This is below the industry average of $49 per month, making Farmers a cost-effective option for pet owners. The company also offers a range of deductible, reimbursement rate, and annual limit options, allowing customers to customize their coverage to suit their needs and budget.
In terms of coverage, Farmers Pet Insurance offers accident and illness plans with three tiers: Essential, Plus, and Elite. These plans cover a wide range of treatments and services, including hereditary and congenital conditions, surgeries, medications, emergency care, and more. Customers can also add on routine care coverage for additional services like wellness exams, vaccinations, and preventative medication.
The sign-up process for Farmers Pet Insurance is straightforward, with an online quote tool available for customers to get a personalized estimate. Claims can be filed through Pets Best’s mobile app or online portal, with options for direct deposit reimbursement or payment to the vet. While some customers have reported longer processing times for claims, overall, the process is considered hassle-free and efficient.
It’s important to note that Farmers Pet Insurance has waiting periods for certain conditions, with variations depending on the state. In general, there is a 14-day waiting period for illnesses, three days for accidents, and six months for cruciate ligament events. Customers should check with Pets Best for specific waiting period details in their state.
In conclusion, Farmers Pet Insurance offers comprehensive coverage, competitive pricing, and customizable options for pet owners. While there may be some concerns regarding brand reputation and claims processing times, the overall customer experience is positive. With a range of plans to choose from and a commitment to providing quality care for pets, Farmers Pet Insurance is a solid choice for those looking to protect their furry friends.