Familiar Farmers brand backed by Pets Best's underwriting network.
Get started at Pets Best Insurance Services / Farmers Insurance → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 3.8 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Existing Farmers customers who want to add pet coverage through the same agent relationship.
Farmers Pet Insurance (via Pets Best) — Familiar Farmers brand backed by Pets Best's underwriting network. Best for: Existing Farmers customers who want to add pet coverage through the same agent relationship.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
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.
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.
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.
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.
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.
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.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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