State Farm dog insurance
Looking at State Farm dog insurance? It helps to know that State Farm doesn't write its own policy: it sells Trupanion's, and its page doesn't mention a discount. So the cover you'd get is exactly what Trupanion's policy says, and that's what we've summarised below, from Trupanion's own documents.
What does State Farm pet insurance cover?
These are the main terms of Trupanion's policy, which is the one State Farm sells. Where an insurance term needs explaining, there's a short note.
- Deductible you pay firstThe amount you pay towards vet bills before your insurer starts paying.
- Per condition: once paid for an illness or injury, that condition is covered with no further deductible
- Share of each vet bill it pays backAfter your deductible, the percentage of each vet bill your insurer pays back.
- Coinsurance shown on the declarations page; the website says up to 90%
- Most it will pay out
- No annual or lifetime payout limit (website statement)
- Wait before illness is coveredThe time after you buy a policy before you can claim for an illness.
- 30 days (illnesses in the first 30 days are treated as pre-existing)
- Wait before accidents are covered
- 5 days
- Cover for pre-existing conditionsAnything your dog had, or showed signs of, before the policy started.
- Excluded if signs existed, or were masked by treatment, in the 18 months before enrolment
- Vet exam fees
- Not covered, at any time
- Dental cover
- Dental illness and injury covered if teeth were examined by a vet in the 12 months before enrolment (otherwise from the first exam after), and recommended cleanings are done
Everything Trupanion's policy covers, with where we found each point
Your questions answered
Who provides State Farm pet insurance?
Trupanion. State Farm offers Trupanion pet insurance, and its page links to Trupanion's sample policy. So the cover is Trupanion's policy, and everything on this page comes from Trupanion's own documents.
Does State Farm give a discount on pet insurance?
State Farm's pet insurance page doesn't mention a discount.
How long is the Trupanion waiting period?
30 days (illnesses in the first 30 days are treated as pre-existing)
Does Trupanion cover pre-existing conditions?
Not covered: anything with signs in the 18 months before you joined is excluded, and the policy describes no way to cover it once it has cleared up.
Does Trupanion cover vet exam fees?
Not covered, at any time
Does Trupanion cover behavioural training or a behaviourist?
Only with the Recovery and Complementary Care rider, which you can only add in your first 30 days.
Who provides the cover and the discount are from State Farm's own website; the policy terms are from Trupanion's own documents, read in October 2026. Terms can differ by plan and state, so check the policy before you buy.
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