Pet insurance can save thousands of dollars out of your pocket in veterinarian bills. In the meantime, pet insurance is a high-bar deal to wind up your unpredicted vet bills. One of the largest insurance companies is State Farm. But does State Farm have pet insurance? Yes, they offer pet insurance in collaboration with Trupanion.

Basically, State Farm Pet Insurance is renowned for its property and auto coverage. It also offers business and personal insurance. But is state farm pet insurance good, and how much is pet insurance state farm? We will walk you through the state farm pet insurance review—all the ins and outs. Stick till the end!

State Farm Pet Insurance Review: A Detailed Review

State Farm Pet Insurance Coverage

State Farm provides a basic pet insurance program while reimbursing pet parents for 90% of covered veterinary services. It comprises services like

• Injuries and illnesses
• Diagnostic testing
• Surgeries
• Emergencies
• Hospitalization
• Prescription medications
• Emergency dental care (broken tooth, infection, etc.)
• Hereditary, congenital, chronic, and bi-lateral conditions
• Veterinary supplements
• Herbal therapy services.
• Prosthetic devices and carts

However, State Farm doesn't add a wellness plan. Wellness coverage includes preventive care like

• Vaccinations
• Microchipping
• Deworming
• Spay/neuter surgery,
• Prophylactic dental care (exams, brushing)
• Genetic tests, and so forth.

Moreover, they don't cover examination fees, pet owner deductibles, pre-existing health concerns, and elective or cosmetic procedures.

One of the State Farm Pet Insurance Coverage benefits is that you don't have to wait with bated breath for a reimbursement. Since State Farm instantly makes reimbursement to your vet with Vet Direct Pay. Generally, your claim for reimburse complete within 24 hours.

Besides that, State Farm has no payout limits, which favors you as there is not any restriction on your coverage through financial ceilings or caps in your pet's lifespan.

State Farm Pet Insurance Add-Ons

State Farm pet insurance, along with Trupanion, allows you to add bells and whistles to a policy at extra charges.

Pet Owner Assistance Package

Apart from veterinary charges—this add-on assistance package covers the following;

• Rewards and Advertising for your missing pet.
• Vacation cancellation reimbursement because of your pet's illness
• Liability insurance coverage in case your pet amends other property
• Cremation costs after your pet dies in an accident.
• In case you are hospitalized, your Boarding fees will be paid back.

Complementary care rider

The complementary care rider is a non-clinical process mainly comprised of chiropractic care, hydrotherapy, homeopathy, naturopathy, acupuncture, rehabilitation therapy, physical therapy, and behavioral modification.

Breeding rider

On the other hand, breeding rider includes covers conditions like injuries and illness in breeding linked with breeding, whelping, and queening. However, it does not contain fertility treatment, pre-breeding tests and artificial insemination.

State Farm Pet Insurance Waiting Periods for Coverage

State Farm Insurance for pets has a 30-day waiting period for illness while a 5-day waiting period for accidents. And if some health concerns emerge in pets before the waiting period, then it's deemed as a pre-existing medical condition and will not be treated under insurance.

However, if your pet comes with a medical condition after the waiting period, then don't panic—the insurance company offers an unlimited payout amount.

How much is state farm pet insurance cost?

The State farm pet insurance cost varies depending on your pet. It mostly depends on your pet's age, gender, breed, your location and, by all means, is deductible from your policy. To facilitate the pet owner, State Farm offers a free online quote tool to know how much a policy charges for their pet.

This way, you can get to know a personalized estimate cost and watch out for how various deductibles impact pricing. Deductibles go as far as $1,000, and the higher the deductible—the lower will be your monthly premium. Meanwhile, the pet owner can purchase additional features like pet parent assistance and recovery care.

The service fee of State Farm pet insurance is $25, and they offer a 30-day money-back time—though the service fee won't pay back. Moreover, you can get pet insurance discount bundles for different policies.

Let's delve deeper into the highs and lows of purchasing a State Farm Pet Insurance.

Pros of State Farm pet insurance

• Pet insurance plans mostly cover 90% of veterinary care service expenses, regardless of how many processes your pet demands for the same problem.
• Veterinarians can claim file through the Trupanion software.
• This pet insurance backs you, protects you from paying big bills, and cuts off the wait for reimbursement.
• No payout limits
• All breeds are accepted wholeheartedly.
• No deductible
• No lengthy waiting period for problems like hip dysplasia and cruciate ligament.
• Pet owners can pick up the deductible on their plan starting from $0 to $1,000 in $5 increments.
  

Cons of State Farm pet insurance

• Unlike the other pet insurance companies, State Farm has a 30-day waiting period for illness, which is a little longer.
• The wellness coverage plan is missing.
• Doesn't add vet exam fees.
• Pet age limits under 14.

Is State Farm a good insurance company for pets?

Trupanion is among the best pet insurance companies, and State Farm joins hands with it while providing services. The State Farm pet insurance company has a basic plan that fulfills the most demand from the pet owner. State Farm pet insurance offers endless annual coverage, no deductibles and compensates 90% of care expenses.

Even its flexible to pay veterinarians through Trupanion's software, making it easy on your pockets. However, it is also a fact that it misses the boat of preventive like vaccination and routine pet care coverage. At the same time, the waiting periods are five days for accidents and 30 days for illness, a bit longer than most of the other pet insurance companies' waiting times. It depends on your budget and pet needs whether you pick up a State Farm Pet insurance over others in the market.