State Farm Pet Insurance Review

State Farm pet insurance plans and cost

State Farm offers dogs and cats a policy for accidents and illnesses. Sample monthly prices and discount details aren't published, because your rate depends on your pet and which deductible you select.

Before the policy starts covering your vet bills, you pay a deductible out of pocket. This plan uses a lifetime deductible for each condition, not an annual deductible that resets each year. You pay this deductible only for a new injury or sickness, and never pay it again for that same condition.

Several deductible choices are available, and the other plan terms remain fixed:

• Your deductible options: $0 through $1,000, raised by $50 at a time, plus $1,350, $1,500, as well as $1,750.
• The fixed rate pays 90% of covered bills.
• Payout cap: No limit on payouts for approved claims.

What State Farm covers, and what it excludes

Buying State Farm cat insurance or signing up a dog gives you coverage for unexpected injuries and illnesses. The standard medical benefits are:

• Coverage includes accidents and illnesses, along with conditions present at birth: hereditary and congenital conditions.
• Alternative therapy prescribed to treat a covered condition.
• The plan covers dental illness care, but dental coverage has limits under the policy rules.
• Behavioral care is available at an extra cost as an optional add-on.

The policy doesn't cover several common veterinary expenses. These costs aren't covered by the plan:

• Pre-existing conditions are health problems your pet already showed signs of before coverage began. But with veterinary evidence, conditions that are fully resolved no longer count as pre-existing.
• Office visit charges for veterinary exams aren't covered.
• Routine and preventive care, including vaccines and dental cleanings, because the insurer doesn't sell a wellness add-on.

Waiting periods and age limits for State Farm

Buying your policy doesn't mean coverage begins that same day. Benefits apply only after these waits: 5 days for accidents, plus 30 days for illnesses. An injury or sickness that starts during those waiting days is treated as pre-existing.

Your pet's age also affects whether you can sign up. Dogs and cats can join a new policy only when they are under 14 years old. If your pet is 14 years old or older, the plan isn't available.

How State Farm handles claims and reimbursement

VetDirect Pay is available at participating animal hospitals. The insurer sends its share directly to your clinic at checkout, so you don't pay the full amount and wait for a check. Out of pocket, you pay only your deductible, the rest of the bill, and the exam fee.

When your veterinarian doesn't accept direct payment, you settle the bill at your visit and file a claim for reimbursement. You can submit claims with the app from the App Store or Google Play, or with the online portal. For self-submitted claims, about 60% are processed in 24 hours.

Who is State Farm right for?

Pet parents who want strong protection against major medical bills and no payout limits on claims will find this policy a fit. Your clinic's use of VetDirect Pay makes this plan work well, since you won't need to cover the whole bill upfront. For a pet with a long-term condition, hereditary coverage and a per-condition deductible also work well, because you meet the deductible only once per illness.

If your pet doesn't meet the age cutoff for enrollment, you might look elsewhere. This plan suits owners less well when they want veterinary exam fees covered or a wellness add-on for routine care. And if you want a lower monthly price by picking a lower reimbursement percentage, the fixed rate limits your options.

Questions people often ask

Would State Farm pet insurance be worth your money?

Your preferred method of paying for veterinary care determines if this plan works for you. The plan offers unlimited payouts and hereditary condition coverage, and VetDirect Pay may lower what you pay upfront at clinics that participate. Even so, you pay every veterinary exam fee and routine checkup yourself.

Does State Farm pet insurance pay for pre-existing conditions?

The policy excludes ongoing pre-existing conditions. Still, once you send the insurer veterinary records that show a curable health issue has fully resolved, it is no longer treated as pre-existing.

What's the process for getting a quote on State Farm pet insurance?

The published policy facts list no sample quotes, and they include no step-by-step application instructions. The State Farm pet coverage page lets you check eligibility for your dog or cat. There, you can compare deductible choices from $0 to $1,750.