Pet Insurance

However your pets came into your life, they’re members of your family. And you shouldn’t have to make tough choices when veterinary bills start adding up because they get sick or hurt. That’s why Farmers® has been offering pet insurance coverage – through Pets Best — since 2014.

Pet Insurance provided by Pets Best helps provide peace of mind to pet parents by offering plans that reimburse up to 90% of the cost of eligible veterinary treatments.1 Get flexible accident, illness, and routine care coverage that you can customize to your pet and your budget.

Pet Health Insurance for your Dog or Cat

To help you choose the coverage you want, Pets Best offers these plans:

The BestBenefit Accident and Illness is the most popular and comprehensive plan. This customizable plan includes an unlimited annual limit option and can help with unexpected emergencies and illnesses like:

  • Accidents including broken bones, lacerations or car accidents.
  • Illnesses including cancer, diabetes, allergies, arthritis and skin and ear infections.
  • Surgery, prescription medicines, cancer treatments and physical rehabilitation.

The price of a BestBenefit Accident and Illness plan is based on your pet’s age, breed, and location; so you’ll need to get a quote to see the premiums for your pet.

Accident-Only is a budget-friendly plan that can help with costs related to accidents — but doesn’t cover illnesses. Regardless of age or breed, it’s available at a monthly rate of $6 for cats and $9 for dogs. (In Washington, the flat monthly rates are $7 and $10, respectively.)

You can add optional Wellness Routine Care coverage to the BestBenefit Accident and Illness plan. It offers two tiers of coverage to help pay for routine care veterinary visits like annual check-ups, vaccinations and preventative medication for fleas and ticks.

Keep in mind, pet insurance offers coverage for future health issues that may occur — it won’t cover a health issue that has already started. So, it’s best to enroll your puppy or kitten while it’s still young, or your newly adopted pet as soon as possible.

The ease of a claim

If you need to file a pet health insurance claim, it’s as simple as submitting the receipt from your veterinary visit through the Pets Best website or mobile app — even while you’re still at the veterinarian’s office. You can also use the app to check the status of your claim, access policy details and retrieve your claim history.

Claims are processed quickly and there’s no extra charge for receiving reimbursements by direct deposit.

You can receive an online quote or call 1-877-464-6542 to speak with a Pets Best agent.


The Shih Tzu was unresponsive and panting heavily when firefighter Matt Smith carried the dog outside the smoke-filled home.

He laid the dog on the ground and immediately strapped a specially-designed pet oxygen mask around its snout to administer oxygen.

Read the story: 40,000 Pets Die in Home Fires Every Year

Contact Us

Get a quote or call 1-877-464-6542 to speak with a Pets Best agent.

Why choose Farmers and Pets Best?

With Farmers and Pets Best, you can take your pet to any licensed veterinarian or specialist of your choice in the US or Canada — there’s no need to worry about provider restrictions or networks.

All Pets Best policy holders also receive free 24-hour access to veterinary experts via email, chat and phone. You can ask about emergency care (e.g. “My dog swallowed his favorite toy.”) or behavioral-related advice (e.g. “Will positive reinforcement training work for my dog?”).

Learn From Experience

Expand your knowledge base with articles relevant to you and your pet.

A Home Fire Story: “The Cat Was Swaddled in a Firefighter’s Jacket Getting Oxygen”

Brought to you by Farmers Insurance® After smoke, fire and water damage destroyed her family's home, this woman started thinking beyond the basics of fire prevention.

Dog Showers, Catios (AKA Cat Patios) and More Home Renovations for the Truly Pet-Obsessed

Architects, veterinarians and pet hotel designers share home improvement tips that can make life even sweeter for four-legged family members.

The Perils of Browsing Kitchen Remodels on Pinterest

How one homeowner ditched “picture perfect” for a more realistic plan.

1. Select a plan that reimburses 70%, 80%, or 90% of the cost of eligible veterinary treatment. Limited to covered expenses. Terms and conditions apply. See policy for details.

2. 5% discount applies to BestBenefit plans; discount not available in AK, FL, HI, or TN. Additional 5% if insuring more than one pet.

Pet Insurance through Farmers is provided by Pets Best. Pets Best Insurance Services, LLC places pet insurance with an insurer offering that coverage (American Pet Insurance Company). Pets Best and the insurer are not affiliated with Farmers Insurance. The pet insurance insurer (American Pet Insurance Company) has sole financial responsibility for their products and services.

Pet insurance coverage is offered and administered by Pets Best Insurance Services, LLC and is underwritten by American Pet Insurance Company, a New York insurance company​. Please visit www.americanpetinsurance.com to review all available pet health insurance products.​ Terms and conditions apply. See policy for details.

To learn more about Pet insurance and to get a quote, call a Pets Best agent at 1-877-464-6542.