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State Farm Pet Insurance Review 2019

BravoDollar Editor rating:

State Farm is another company you might not think of when looking for pet insurance. However, there is a page on State Farm’s website stating that the company offers pet insurance through Trupanion.

To be clear, State Farm doesn’t offer pet insurance. It partners with Trupanion and refers consumers looking for State Farm pet insurance to Trupanion. Read our full review of Trupanion.

We’ll look at how the process works and if there is any benefit to getting State Farm Pet Insurance.

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About State Farm Pet Insurance:

State Farm itself is a well-regarded insurance company that has been in business for almost 100 years. It was started by an Illinois farmer in 1922. Since then it has branched out to other services, like life and liability insurances.  

However, State Farm only acts in an agency capacity for pet insurance. The actual policy is offered through Trupanion. What’s more, State Farm Pet Insurance is only available in Arizona, Colorado, Illinois, Indiana, Oregon and Missouri at this time. 

Luckily, State Farm’s site is very upfront about the fact that the plan is through Trupanion. Most of the site lists what is specifically beneficial about a Trupanion plan, like 90 percent reimbursement. If you’d like to see more about Trupanion, you can read our review here.

The page doesn’t even route you to Trupanion’s quote process or customer service line. There’s simply a “Find an Agent” option at the top right of the website.  

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What is the Benefit of Getting State Farm Pet Insurance?

The website merely states that State Farm is a great choice to get pet insurance through because it has 100 years of experience and offers high-quality insurance.  

State Farm has a partnership with Trupanion. As such, State Farm works in an intermediary capacity drawing up Trupanion plans. 

Further, because it’s a different plan through Trupanion, you would not get multi-policy discounts. Basically, if you like working directly with a real human being, a State Farm agent can help you draw up and manage the policy.       

>>MORE: The Best Pet Insurance that Covers Pre-Existing Conditions?

Final Thoughts:

  • State Farm has been around for almost 100 years and is a well-regarded company.
  • State Farm Pet Insurance is actually offered through Trupanion. If you go through State Farm for pet insurance, you are using it in an agency capacity to access the actual policy through Trupanion. 
  • Because State Farm offers Trupanion plans as an intermediary, the policies are the same as through Trupanion and there are no multi-policy discounts at this time. You basically get assistance from a live human being with the process if you go through State Farm.
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