Pet insurance for
your dogs and cats
Help protect your fur babies with affordable coverage options that can reimburse up to 90% of the cost of eligible vet bills.1 Farmers® customers get a 5% discount on pet insurance.²
You shower them with treats, toys and love — pet insurance is one more way to help your furry family members live their best life. Veterinary bills can pile up quickly, and you shouldn’t have to make tough choices when your pet is sick or hurt. Flexible plans and coverage options can help you pay for eligible veterinary care for cats or dogs — including accidents, illness and optional routine care coverage.
Farmers has been offering pet insurance coverage through Pets Best since 2014 to help give pet parents peace of mind.
Pet insurance coverage options
From annual checkups to “Oops, our dog ate his favorite squeaky toy,” those routine (and not-so-routine) vet visits can add up. Pet insurance can help cover expensive veterinary care bills — up to 90% of the cost of eligible vet bills.
Pets Best offers these plans:
BestBenefit Accident and Illness can help you pay for vet care related to unexpected emergencies and illnesses. This customizable plan allows you to choose your reimbursement level (70%, 80% or 90%), annual deductible and annual limit. Optional Wellness Routine Care coverage offers two tiers of coverage to pay for annual checkups, vaccinations and flea/tick preventive medications.
Accidents
Illnesses
Emergency care
Medications
Accident-Only is a budget-friendly plan that can help with veterinary costs related to accidents — but doesn’t cover illnesses.
Accidents
Emergency care
Hospitalization
Surgeries
Medications
Diagnostic tests
How pet insurance works
Pet insurance works like other types of insurance. To enroll, you provide information about your pet, such as medical history and vaccination records, and you select the coverage you want. Once you purchase a policy, there may be a waiting period before certain coverages or benefits take effect. This can be as little as one to three days for an accident, or 14 to 30 days for an illness.3 When your pet receives a covered treatment at the vet, you submit the receipt and claim form to the insurer for reimbursement.
How much does pet insurance cost?
The price of a BestBenefit Accident and Illness plan is based on plan selections and your pet’s age, breed and where you live. To see actual premium amounts for your pet, you’ll need to get a quote. The Accident-Only plan is available at a monthly rate of $6 for cats and $9 for dogs, regardless of age or breed. (In Washington state, the flat monthly rates are $7 and $10, respectively.)
Your pet, your call, your peace of mind – the benefits of pet insurance
Frequently asked questions about pet insurance
Why do I need pet insurance?
If your pet has a medical issue or accident that’s covered by your plan, pet insurance can help you pay for expensive veterinary care. For example, the average treatment cost for a dog with a broken bone could be $3,192.4 Advances in veterinary medicine and equipment have also increased the cost of treatment. Pet insurance can cover up to 90% of the cost, depending on the plan you select.
Can I add another pet?
Yes. Pets Best plans offer coverage for multiple pets, and there may be a discount for people who insure more than one pet. Each pet will have its own coverage, including its own policy limits, deductibles and reimbursement rates, but you can manage all pets under one account.
Are pre-existing conditions covered?
As with most pet insurance providers, Pets Best plans don’t cover pre-existing conditions. This means if your pet has been diagnosed with or treated for a condition before the policy’s effective date, that condition will not be covered by the insurance plan.
Can I go to any vet?
Yes, you can choose any licensed veterinarian, specialist or emergency clinic in the U.S. or Canada. Pets Best is an open-network insurer, which means you don’t have to use a specific vet and you’re not limited to a network of approved veterinarians. Once you pay for your pet’s veterinary care, you can submit a claim for reimbursement according to your policy’s coverage terms.
Can I change my coverage later?
Yes, you can change features of your coverage on a Pets Best policy at any time, but there may be some limits.
For example, you can increase your coverage (switch your plans, increase your reimbursement percentage or adjust your deductible), but the new coverage will generally apply after your next policy renewal — or it might require a new policy. And you may be able to add or remove the Wellness Routine Care or accident coverage option, depending on the terms of your policy. However, you cannot change coverage to include a pre-existing condition once it has been diagnosed.
Call 1-877-464-6542 to speak with a Pets Best agent.
1. 5% discount applies to Accident & Illness plans; discount not available in AK, HI or TN. Additional 5% discount applied if insuring more than one pet. Multi-pet discount applies to Accident & Illness plans and all plans in WA state.
2. Review a sample policy for state specific waiting periods.
3. Pets Best Claims Data, 2024
Farmers General Insurance Agency, LLC (NPN: 662531) is a licensed insurance agency. Farmers General Insurance Agency, LLC does not underwrite pet insurance or pay claims but receives compensation on sale and/or renewal.
Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. More information is available at checkout. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
Pet Insurance through Farmers is provided by Pets Best. Pets Best Insurance Services, LLC places pet insurance with insurers offering that coverage (American Pet Insurance Company and Independence American Insurance Company). Pets Best and the insurers are not affiliated with Farmers Insurance. The pet insurance insurers (American Pet Insurance Company and Independence American Insurance Company) have sole financial responsibility for their products and services.
Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (NAIC #12190), a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254. Pets Best Insurance Services, LLC (NPN #8889658, CA agency #0F37530) is a licensed insurance agency located at 11333 N. Scottsdale Rd, #160 Scottsdale, AZ 85254. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.