State Farm offers pet insurance policies in collaboration with Trupanion. This plan provides unlimited coverage for your pet’s lifetime, making it an attractive option for many pet owners. Here’s a detailed look at what State Farm pet insurance has to offer.
State Farm Pet Insurance: Quick Facts
- NerdWallet Rating: 4.0/5 stars
- Annual Maximum Coverage: Unlimited
- Reimbursement Rate: 90% in most states
- Deductibles: $0 to $1,000 per condition
- Policy Highlight: Per-condition lifetime deductible in most states
Pros and Cons
Pros:
- Covers hereditary and congenital conditions.
- Option for direct payment to your veterinarian.
- Unlimited lifetime coverage.
- Premiums do not automatically increase as your pet ages.
Cons:
- No wellness or accident-only plans available.
- Exam fees are not covered.
Bottom Line:
State Farm, through Trupanion, provides unlimited coverage for pets throughout their lives. Choose this option if you are a current State Farm policyholder and looking for comprehensive pet insurance coverage.
About State Farm Pet Insurance
State Farm pet insurance, underwritten by Trupanion, provides an accident and illness plan. The plan has earned 4 out of a possible 5 stars for overall performance. Key features include unlimited lifetime coverage and the option for Trupanion to pay your vet directly. If your vet does not accept direct payments, Trupanion states that 70% of their claims are processed within 24 hours. The per-condition, lifetime deductible could result in cost savings if your pet develops a chronic illness.
Notably, policies from Trupanion and State Farm do not cover exam fees. There is no accident-only plan, preventing owners from adding wellness coverage.
Plans and Coverage
State Farm and Trupanion provide a single plan that covers accidents and illnesses. Wellness plans for routine care are not available. This comprehensive plan offers coverage for a range of needs:
- Accidental injuries
- Illnesses, including cancer
- Allergies
- Hereditary and congenital conditions
- Surgeries and hospitalization
- Diagnostic tests
- Prescription medications
- Veterinary supplements
- Prescription food (up to 60 days)
- Prosthetic devices and carts
Depending on where you live, you may also have the option of adding up to three optional packages:
1. Recovery and Complementary Care Rider: This package provides 90% reimbursement for:
- Rehabilitative care
- Behavioral modification
- Acupuncture
- Hydrotherapy
- Chiropractic care
- Homeopathic and naturopathic treatment
Note: These treatments are covered if they are not related to pre-existing conditions.
2. Pet Owner Assistance Package Endorsement: This package covers:
- Third-party liability protection (covers damages by your pet)
- Advertising and rewards if your pet is lost or stolen
- Boarding fees if you are hospitalized for more than four days
- Vacation cancellation reimbursement if your pet is sick or injured
- Cremation or burial
3. Breeding Rider: The breeding rider covers accidents and illnesses related to breeding if you intentionally breed your pet. You may need to call Trupanion to add this option to your plan.
Important Note: Coverage options and availability may vary depending on your location, your pet’s age, and breed.
What’s Not Covered
State Farm and Trupanion policies have certain exclusions:
- Pre-existing conditions
- Exam fees
- Wellness visits
- Preventive dental care
- Elective and cosmetic procedures (e.g., tail docking, ear cropping)
- Preventable conditions (e.g., parasitic infection)
- Spay or neuter surgery unless required to treat an accident or illness
Plan Options
Deductibles: Trupanion allows you to select a deductible between $0 and $1,000 in most states. Unlike many other pet insurers, Trupanion applies the deductible to each new condition over the pet’s lifetime rather than yearly. For example, if your dog breaks a leg, you’d pay a single deductible for the treatment. If, months later, your dog develops kidney disease, another deductible would apply. If in the future, there is medicine needed for the kidney disease, you will not have to pay out of pocket after the deductible is met. Some states have Trupanion policies with no deductible.
Reimbursement Amounts: After meeting your deductible, Trupanion covers 90% of vet bills in most states. In other states, you can choose a reimbursement amount between 50% and 90%. Trupanion applies the reimbursement rate to the full vet bill, and then subtracts the deductible when calculating your claim payout. For instance:
- Vet bill: $3,000
- Deductible: $200
- Reimbursement: (90% of $3,000) – $200 = $2,500
Coverage Limits: Unlimited.
Restrictions and Waiting Periods
Age Restrictions: Enrollment is open for pets up to age 13. While new enrollments aren’t accepted for pets older than 13, existing policies can continue.
Waiting Periods: Waiting periods vary by state and represent the time between purchasing the policy and the start of coverage.
Sample Rates
The cost of State Farm pet insurance with Trupanion hinges on factors like location, pet age, and breed. The following are sample monthly premiums for dogs in Katy, Texas. These are examples only; your rate may differ:
- French bulldog (age 2): $278, (age 8): $643
- German shepherd (age 2): $211, (age 8): $485
- Golden retriever (age 2): $189, (age 8): $435
- Labrador retriever (age 2): $198, (age 8): $456
- Medium mixed-breed dog (age 2): $131, (age 8): $299
- Poodle (age 2): $162, (age 8): $372
Sample monthly premiums for cats living in Katy, Texas:
- Devon rex (age 2): $62, (age 8): $176
- Domestic shorthair (age 2): $48, (age 8): $134
- Exotic longhair (age 2): $51, (age 8): $142
- Maine coon (age 2): $67, (age 8): $193
- Persian (age 2): $53, (age 8): $149
- Ragdoll (age 2): $45, (age 8): $124
Discounts and Availability
In many states, Trupanion offers a discount to assistance animals. Trupanion is licensed in all U.S. states and Washington, D.C., though options can vary.
Digital Experience
Basic information on pet insurance is available on the State Farm website, but you will be directed to a local State Farm agent for a quote. For an online quote, visit Trupanion’s website. The Trupanion website provides live chat and a comprehensive FAQ.
Filing a Claim
If the veterinarian accepts Vet Direct Pay, they can submit the bill to Trupanion. If not, you will pay the bill and request reimbursement. You can file a claim online or download and submit a form via email, fax, or mail.
Contacting Customer Service
For assistance, contact Trupanion directly. Representatives are accessible 24/7 by phone at 855-210-8749 or via the website’s live chat.
Getting a Quote
You may start a pet insurance quote on the State Farm website by entering your ZIP code. The website will then prompt you to reach out to a local agent. You can also visit Trupanion’s website and provide details. Typically you will be asked for the following:
- Pet’s name, sex, age, and breed
- Type of pet (dog or cat)
- Your ZIP code
- Your phone number (optional) and email
- Whether your pet is spayed or neutered, and if they are an assistance animal.
- The name of their primary veterinarian
You’ll then receive a quote that you can adjust by modifying the deductible. Reimbursement levels are most often set at the 90% level with no cap on coverage. You can buy the policy by supplying your name, contact information, and bank or credit card data.
State Farm pet insurance vs Competitors
Here’s how State Farm compares to other providers:
Disclaimer: This information is provided for general knowledge only. Always review the specific policy details with the insurance provider.
