Pets Best Insurance Services / Farmers Insurance
Farmers Pet Insurance (via Pets Best) Review 2026
Familiar Farmers brand backed by Pets Best's underwriting network.
Who Farmers Pet Insurance (via Pets Best) is best for
Existing Farmers customers who want to add pet coverage through the same agent relationship.
At a glance
- Underwriter AM Best
- A-
- Reimbursement
- 70/80/90%
- Wellness add-on
- Available
- Policy admin
- Pets Best
Independence American Insurance — Excellent, stable (AM Best, Dec 2025)
Choose at quote
Optional routine-care coverage
Farmers General Insurance Agency distributes; Pets Best administers
Pros
- +Familiar Farmers brand with agent distribution — convenient for existing Farmers policyholders
- +Pets Best's underwriting network provides flexible plan options (reimbursement %, deductible, annual limit)
- +Optional wellness add-on covers routine care — not offered by all competitors
- +Independence American Insurance Company carries AM Best A- (Excellent) financial strength rating
Cons
- −Farmers General Insurance Agency does not underwrite or pay claims — the brand is a distribution front for Pets Best
- −Your actual underwriter varies (American Pet Insurance, Independence American, or MS Transverse) — check declarations page
- −No meaningful advantage over going directly to Pets Best (petsbest.com) if you're not already a Farmers customer
- −Pricing and coverage terms identical to Pets Best direct — bundling discount with Farmers products is limited
Farmers Pet Insurance (via Pets Best) requirements
- Available in all 50 states
- Coverage for cats and dogs; verify minimum/maximum age at quote
- Existing Farmers customers get access through their Farmers agent
Farmers Pet Insurance (via Pets Best) alternatives
Top alternatives worth comparing from Best Pet Insurance Companies 2026.
Lemonade
Lemonade Pet Insurance
Young healthy pets in supported states; owners who want an app-only experience.
Healthy Paws
Healthy Paws Pet Insurance
Owners who want unlimited annual + lifetime coverage caps and a strong claims track record.
Embrace
Embrace Pet Insurance
Older pets (5+ years) and owners who want a wellness rewards option.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at Pets Best Insurance Services / Farmers Insurance→Last verified at the issuer on 2026-06-09
The full lineup
See all picks in Best Pet Insurance Companies 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Farmers Pet Insurance (via Pets Best) scores 3.8 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Existing Farmers customers who want to add pet coverage through the same agent relationship.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Farmers Pet Insurance (via Pets Best)
Who underwrites Farmers pet insurance?+
Farmers pet insurance is offered and administered by Pets Best Insurance Services, LLC. The actual policy is underwritten by one of three insurers: American Pet Insurance Company, Independence American Insurance Company (IAIC), or MS Transverse Insurance Company, depending on your state and policy. Your declarations page will identify the underwriter for your specific policy. Independence American Insurance Company carries an AM Best financial strength rating of A- (Excellent) as of December 2025 — verify the current rating at ambest.com.
Is Farmers pet insurance the same as Pets Best?+
Functionally, yes. Farmers General Insurance Agency distributes pet insurance but does not underwrite policies or pay claims. The product is administered by Pets Best Insurance Services, LLC — the same company behind petsbest.com. If you are not an existing Farmers customer seeking a bundled agent relationship, going directly to Pets Best at petsbest.com is equivalent and may simplify future service interactions.
Is ClearValue Lending a licensed insurance broker?+
No. ClearValue Lending is not a licensed insurance broker or agent. This review presents publicly available information about Farmers pet insurance and the Pets Best underwriting arrangement. Coverage terms, pricing, and availability vary by state, pet species, breed, and age. Obtain official quotes and policy details at farmers.com/pet-insurance or petsbest.com.
What does Farmers pet insurance cover — accidents and illness?+
Farmers pet insurance (administered by Pets Best) offers accident-only and accident-and-illness plan options. Accident-and-illness coverage typically covers emergency care, surgery, hospitalization, diagnostic testing, prescription medications, and treatment for covered illnesses. Pre-existing conditions are generally excluded. An optional wellness add-on covers routine preventive care (exams, vaccinations, flea and tick prevention). Verify exact coverage details and exclusions for your state and plan tier at farmers.com/pet-insurance.
How much does Farmers pet insurance cost per month?+
Premiums through Farmers pet insurance (administered by Pets Best) vary by species, breed, age, location, deductible, and reimbursement percentage. The North American Pet Health Insurance Association (NAPHIA) reported average monthly premiums of approximately $56/month for dogs and $32/month for cats for accident-and-illness coverage across the industry in 2024 (NAPHIA State of the Industry Report). Actual quotes will differ based on your pet's specifics and selected coverage configuration. Obtain a real quote at farmers.com/pet-insurance for accurate pricing.
What deductible and reimbursement options does Farmers pet insurance offer?+
Farmers pet insurance (administered by Pets Best) offers flexible annual deductibles — typically $50 to $1,000 per year — and reimbursement percentages of 70%, 80%, or 90% of covered expenses after the deductible. A higher deductible lowers monthly premiums while a lower reimbursement percentage (70% vs. 90%) reduces monthly cost but shifts more claim expense to you. Annual coverage limits vary by plan tier; verify current plan configurations at farmers.com/pet-insurance before purchasing.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.