HomePet InsuranceAre They There For Your Pet?

Are They There For Your Pet?

Most are familiar with State Farm, a large U.S. insurance company that provides reliable home, auto, rental, and other policies. But did you know “State Farm is there” for our furry friends as well? State Farm pet insurance policies are offered through a partnership with Trupanion, a well-established pet insurance provider. State Farm Insurance for pets is identical to what Trupanion offers independently.

Trupanion has one simple plan offering 90% reimbursements, no payout limits, fast claim processing, and vet-direct pay at participating clinics. Here, we’ll give you a brief overview of this plan’s other features, coverage, and cost. You can find more detailed information in our Trupanion Pet Insurance review.

State Farm Pet Insurance Review

Product Name: State Farm Pet Insurance

Product Description: State Farm offers Trupanion pet insurance for dogs and cats.


If you’re a State Farm customer, bundling your pet insurance policy through them may be advantageous. However, if you’re not a State Farm customer but you think their policies look appealing, then we recommend insuring your pet(s) directly through Trupanion.

Our pet insurance experts read through each pet insurance company’s policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.

Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.


  • 90% reimbursement with no payout limits
  • Offers optional benefits for additional expenses that cover acupuncture, physical therapy, hydrotherapy, behavioral modification training, and therapy
  • Hip dysplasia has no age restrictions (but a 30-day waiting period)
  • Offers enrollment from birth 30-day money-back guarantee
  • Pet is covered in the U.S., Canada, and Puerto Rico
  • Claim processing averages 2 days
  • Vet direct pay option at participating clinics


  • Quotes tend to be among the most expensive compared to competitors
  • One-time $35 administration fee ($25 in WA and $0 in MD and MI)
  • Policies have a 30-day waiting period for illnesses (the industry average is 14)
  • No multi-pet discount
  • Pets aren’t eligible for enrollment after 14th birthday
  • No wellness plan
  • Doesn’t cover exam fees