Hi folks, today in this article we have compiled the top 25 best pet insurance in California, United States. You can choose Dog insurance or Cat insurance services among these insurance companies that are best in the state of California.
We all love to enjoy long walks on the beach with our dogs and cherish the moments of watching our cat in the California sunlight shining through the window. There are tons of things we love about our pets, and having this companionship of a furry friend in the Golden State makes life so much better.
Owning and caring for a pet in California can come with a hefty price tag also. Pet insurance services are one solution for reducing the financial weight of paying for the care of pet dogs and cats.
Best Pet Insurance in California
It can be difficult to determine the best pet insurance in California, as the right policy for you will depend on your individual needs and circumstances. Some factors to consider when looking for pet insurance in California include:
- Coverage: Look for a policy that provides the coverage you need for your pet’s specific needs, including veterinary care for illness or injury, preventive care, and any other types of coverage that are important to you.
- Exclusions: Carefully review the exclusions in the policy to understand what is not covered.
- Deductibles and copays: Consider the deductible and copay amounts for the policy, as these will affect the overall cost of the policy.
- Premiums: Compare the premiums of different policies to find a policy that fits your budget.
- Reputation: Research the reputation of the insurance company, including its financial stability and customer service record.
It can be helpful to get quotes from multiple pet insurance companies and compare the coverage and cost of each policy to find the one that is right for you. It is also a good idea to consult with a veterinarian or trusted pet care professional for recommendations.
25 Pet Insurance Companies in California
Here is the list of the top 25 Best Pet Insurance providers in California.
- Lemonade: Best Overall
- Spot: Most Customizable Plans
- Embrace: Best Deductibles
- ASPCA Pet Health Insurance: Best for New Pet Owners
- Fetch by The Dodo: Best Holistic Coverage
- Healthy Paws: Best Coverage Limit
- Prudent Pet: Most Comprehensive Plan
- PetInsuranceQuotes.com
- Parmenter Insurance Agency, Inc
- Safe Hounds Pet Insurance
- Odie Pet Insurance
- Pacific Preferred Insurance
- Property One Insurance Inc
- Allstate Insurance Co
- Trupanion
- State Farm Insurance Agent
- Fast ESA Letter
- Farmers Insurance
- AAA Pet Insurance
- PetInsuranceInfo.com
- Pets Best
- Manypets
- Nationwide
- Trustedpals
- PetPlan
1. Lemonade Pet Insurance
Lemonade is America’s top-rated insurance company, now for cats and dogs. Lemonade has earned 4.9 stars in the App store and is also top-rated by Supermoney, Clearsurance, and others. Lemonade insurance services are one of the best Pet Insurance in California state.
- Consistently offers the most affordable premiums for accident and illness plans
- Provides a 10% discount for bundling with Lemonade homeowners insurance or Lemonade renters insurance
- Offers preventive care specifically for puppies and kittens
– Does not cover pets 14 years of age and older
– Excludes behavioral treatments from coverage
Coverage & Cost: Lemonade offers one plan that covers vet bills related to accidents and illnesses, such as diagnostic tests, hospitalization, surgery, injections, and prescription medications. It doesn’t cover behavioral treatments, spaying or neutering, cosmetic procedures, and pre-existing conditions that occur until after the two-day waiting period for accidents and a 14-day waiting period for illnesses.
Add-Ons: Lemonade also offers three add-ons: one for vet visit fees, one for physical therapy coverage, and one for preventative care, which includes one wellness exam, three vaccines, one blood test, one fecal test, and one heartworm test.
Sample Monthly Premiums: Here are some examples of monthly premiums from quotes we received in San Jose, Calif., for policies with $5,000 of annual coverage, 80% reimbursement rates, and $250 deductibles:
Dogs: $14–$65 per month
Cats: $14–$31 per month
Although Lemonade faces a class-action lawsuit regarding its alleged collection of biometric data, we still consider it to be a legitimate and reputable provider with a streamlined quote process, competitive rates, and a commendable charitable giveback program. You can read more in our Lemonade pet insurance review linked below.
To learn more: Lemonade Pet Insurance Review
Get a quote: Use this online tool to get a free quote from Lemonade on your dog or cat’s policy.
The coverage your pet actually needs. Lemonade pet insurance is carefully crafted in collaboration with our vet team and lots of excited pet parents.
DIAGNOSTICS – Blood tests, urinalysis, x-rays, MRIs, labwork, CT scans, and ultrasounds.
PROCEDURES – Outpatient, specialty, emergency care, hospitalization, and surgery.
MEDICATION – Injections and prescription meds.
- WELLNESS EXAM – Annual physical checkup for your pet
- FECAL OR INTERNAL PARASITE TEST – Annual parasite evaluation test
- HEARTWORM TEST – Annual screening of heartworm infestation
- BLOODWORK – Annual detection of diseases before symptoms appear
- VACCINES – Up to 3 vaccines such as Rabies, DHLPP, and Bordetella
- ROUTINE DENTAL CLEANING – Including dental x-rays, anesthesia, polishing, and more
- FLEA/TICK OR HEARTWORM MEDICATION – Protection for your pet from common pests
- MEDICAL ADVICE CHAT – Expert online medical advice for the ultimate peace of mind
Additionally, $8.08 per month is Vet visit fees Covering the fees charged by your vet for accident or illness-related visits.
Get a Quote on Lemonade’s Website – https://www.lemonade.com/pet
2. Spot Pet Insurance
Spot pet insurance is one of the best insurance in California, united states of America. It provides various types of pet insurance policies.
- Offers seven annual coverage limit options, ranging from $2,500 to unlimited.
- Provides affordable accident-only coverage plans.
- Includes coverage for exam fees and microchipping in standard policies.
– Does not provide customer service on weekends
– Will not cover prescription pet food
Coverage & Cost: Spot has two plans available in California for either accident-only coverage on incidents such as injuries, swallowed objects, and toxic ingestions or accident and illness coverage for those incidents plus other conditions such as cancer, diabetes, hip dysplasia, heart disease, and behavioral issues. Pre-existing conditions, issues related to breeding, and cosmetic procedures aren’t covered by either of Spot’s pet insurance plans.
Preventative Care Plans: Additionally, Spot provides two preventative care plans for extra coverage on routine care costs, such as dental cleanings, wellness exams, vaccinations, fecal tests, and deworming. You can purchase the Gold Plan with a total of $250 of annual coverage or the Platinum Plan with a total of $450 of annual coverage.
Sample Monthly Premiums: To show you the value of Spot’s customizable accident-only coverage, here are some sample quotes — which don’t vary based on breed or age like other plans — we received for a policy with $2,500 of annual coverage, an 80% reimbursement rate and a $250 deductible on pets in San Jose, Calif.
Dogs: $17.84 per month
Cats: $12.01 per month
Visit Spot’s website for a free insurance quote on a customized policy for your four-legged family member.
Get a Quote on Spot’s Website Here – https://spotpetins.com/
3. Embrace Pet Insurance
Embrace Pet Insurance is one of the highest rates of pet insurance in California. It offers various covers as follows;
- Offers a 10% multi-pet discount, 5% military discount, and 10% discount through its employee benefits program
- Provides the unique Healthy Pet Deductible, which credits your deductible with $50 each year you don’t file a claim, decreasing your deductible to as low as $0
- Features an online chat on its website for customer service
– Considers ligament (CCL) tears a preexisting condition and therefore will not cover CCL in one leg if previously diagnosed in the other
– Does not cover supplements or prescription pet food
Coverage & Cost: Embrace pet insurance offers one accident and illness plan to pet owners in California that cover conditions such as cancer, congenital conditions, dental trauma, allergies, genetic conditions, and more. It pays for medically necessary treatments and exam fees related to those covered incidents. It doesn’t cover pre-existing conditions, alternative treatments, boarding, and a few other items.
Wellness Plan: Embrace also provides the optional Wellness Rewards Plan for 100% reimbursement on your pet’s routine care, such as grooming, spay or neuter surgery, vaccinations, and teeth cleaning, up to $250, $450, or $650 per year, depending on how much coverage you want.
Sample Monthly Premiums: Here are some sample monthly premiums from quotes we received on pets in San Jose, Calif., for accident and illness plans with $5,000 of annual coverage, a $200 deductible, and an 80% reimbursement rate:
Dogs: $34–$58 per month
Cats: $17–$35 per month
Fill out this online form with your dog or cat’s information for a free quote from Embrace.
Get a Quote on Embrace’s Website Here – https://www.embracepetinsurance.com/
4. ASPCA Pet Health Insurance
ASPCA stands for American Society for the Prevention of Cruelty to Animals. The American Society for the Prevention of Cruelty to Animals (ASPCA) was the first humane society to be established in North America and it is one of the largest in the world.
ASPCA Pet Insurance is one of the best pet insurance in California. It offers various covers as follows;
- Administered by Crum & Forster Pet Insurance Group, which has been in this industry since 1997
- Includes coverage for exam fees and microchipping in standard policies, which isn’t typically provided by other pet insurance companies
- Features helpful online resources about various pet breeds and their health conditions
– Has a lower maximum annual limit ($10,000) than most providers in this review
– Caps deductibles at $500
Coverage & Cost: ASPCA Pet Health Insurance offers two pet insurance plans to pet parents: the Accident-Only Coverage Plan and the Complete Coverage Plan. While the former covers only your pet’s accidents, such as broken bones, toxic ingestions, and cuts, the latter covers both accidents and illnesses, including hereditary conditions and conditions like cancer, hip dysplasia, digestive illness, and more. Neither plan covers pre-existing conditions, breeding costs or cosmetic procedures.
Preventative Care Plans: ASPCA Pet Health Insurance also provides two preventative care plans that can be added to your policy for reimbursement on items such as dental cleanings, wellness exams, deworming, and fecal tests. You can choose coverage levels by selecting the Basic Plan totaling $250 per year or the Prime Plan totaling $450 per year.
Sample Monthly Premiums: Below are some sample monthly prices from quotes on pets in San Jose, Calif., with selected coverage of $5,000 per year, a reimbursement rate of 80%, and an annual deductible of $250:
Dogs: $42–$99 per month
Cats: $23–$44 per month
Visit the ASPCA Pet Health Insurance website for a free quote on your Complete Coverage or Accident-Only Coverage plan.
Get a Quote on ASPCA’s Website Here – https://www.aspcapetinsurance.com/
5. Fetch by The Dodo (Formerly Petplan)
Fetch by The Dodo Pet Insurance is one of the best pet insurance in California. It offers various covers as follows;
- Covers non-routine veterinary exam fees
- Includes accidents, illnesses, alternative medicine, behavioral treatments, and a variety of perks and benefits in one comprehensive plan without the need to purchase add-ons
- Can be used at all veterinary offices in the United States and Canada
– Does not offer a discount for enrolling multiple pets
– Requires annual medical and dental check-ups to maintain coverage
Coverage and Cost: Fetch offers one standard plan that covers injuries and illnesses. Fetch’s plan also covers chronic, hereditary, and congenital conditions, provided they aren’t preexisting, and alternative medicine like hydrotherapy, chiropractic care, and acupuncture. Fetch’s standard plan will pay all vet exam fees related to injuries and illnesses such as ultrasounds and diagnostic testing. Emergency and specialist vet visits are covered, as well.
The company includes comprehensive dental coverage with its standard plan and treatments for behavioral disorders and breed-specific conditions. Customers can modify their plan to include a payout option of $5,000, $15,000 or unlimited. Annual deductibles can be set at $250, $300, or $500, and reimbursement rates range from 70% to 90%.
Wellness Plan: Fetch’s standard plan does not include any wellness-related services or routine vet visits. This means preventive care like annual check-ups, teeth cleanings, spay and neuter surgeries and grooming are not covered.
Sample Monthly Premiums: Below are sample monthly premiums from Fetch for a plan in San Jose, Calif., with a $5,000 maximum annual payout, a $250 deductible, and an 80% reimbursement rate:
Dogs: $47.95 per month
Cats: $28.47 per month
Get a quote: Take this quick online survey to get your free instant quotes from Fetch.
Get a Quote on Fetch’s Website – https://www.fetchpet.com/
6. Healthy Paws Pet Health Insurance
Healthy Paws Pet Insurance is one of the best pet insurance in California. It offers various covers as follows;
- Offers plans with unlimited annual coverage that typically cost less than other providers’ unlimited coverage options
- Has an annual limit of up to $15,000 for behavioral disorders
- Provides a 30-day money-back guarantee
– Has limited coverage for hip dysplasia
– Gives lower reimbursements for older cats and dogs
Coverage & Cost: Healthy Paws offers one plan for accident and illness coverage with no lifetime, per-incident, or annual coverage caps. The plan covers treatments, procedures, and other costs, such as diagnostic treatments, emergency care, alternative treatments, specialty care, and more. It doesn’t cover pre-existing conditions, behavioral issues, exam fees, any preventative care of your pet, and hip dysplasia within the first 12 months of the policy.
Deductibles: Although Healthy Paws typically limits customization options to two to three deductibles and reimbursement rates for customers in other states, we found that it offers more choices to pet owners in California who have animals less than 6 years old. We were able to choose from five deductibles between $100 and $1,000 and five reimbursement rates between 50% and 90%.
Sample Monthly Premiums: Here are some examples of monthly premiums from quotes we received in San Jose, Calif., for policies with a $250 deductible and an 80% reimbursement percentage when possible:
Dogs: $51–$101 per month
Cats: $24–$47 per month
Get a Quote on HealthyPaws Website – https://www.healthypawspetinsurance.com/
7. Prudent Pet
Prudent Pet insurance doesn’t have age or breed restrictions, and it has customizable policies with optional add-ons and up to 100% reimbursement. It is one of the best pet insurance in California. It offers various covers as follows;
Pros
- Option for unlimited annual benefits
- Multiple add-ons available
- No age or breed restrictions
- 24/7 veterinary support
Cons
- Doesn’t cover parasite treatment
- It can take up to 30 days to receive reimbursement
- Annual health and dental exams required
Plan Pricing
In general, we found that Prudent Pet’s policies were significantly more expensive than other companies, with monthly premiums well above the industry average.
The Essential policies ranged from a low of $7.58 per month for a young mixed-breed cat to $42.11 per month for a three-year-old Labrador Retriever.
For the Ultimate policy, which has an unlimited annual benefit, rates ranged from a low of $81.53 per month for a young cat to $292.56 per month for an eight-year-old mixed-breed dog.
But take note that these are just examples, and your monthly premium will be based on several factors, including:
- Location
- Pet’s age
- Breed
- Gender
- Deductible amount
- Reimbursement percentage
- Annual benefit maximum
Prudent Pet’s reimbursement percentages range from 70% to 90%, and its annual deductibles range from $100 to $1,000. Its accident-only and Essentials plan has a $10,000 annual maximum, while the Ultimate plan has an unlimited maximum.
With Prudent Pet, you can get a quote for coverage completely online. If you plan on insuring more than one pet, Prudent Pet does offer a 10% multi-pet discount, and there’s also a 10% discount for being an active or retired military member.
Get a Quote on Prudent Pet’s Website – https://www.prudentpet.com/
8. PetInsuranceQuotes.com Pet Insurance
PetinsuranceQuotes.com by Petco provides the best listings of pet insurance providers in California. It act as aggregrators of various pet insurance companies in California and other states of US.
Compare policies from multiple pet insurers at once to find the right policy for you.
- Get product recommendations based on your pet’s breed and age
- Compare offers from multiple pet insurance companies
- Enroll in the policy that works best for your pet
PetInsuranceQuotes.com doesn’t offer insurance, but they are a tool that allows you to compare personalized pet insurance quotes
Enter your pet’s information once and get access to multiple quotes from popular brands like Trupanion, Embrace, and Pets Best
Compare offers and get the policy that is right for you.
Get a Quote on PetinsuranceQuotes Website – https://www.petinsurancequotes.com/
9. Parmenter Insurance Agency, Inc
Pet insurance would cover expenses with your pet, dog or cat may have unexpected medical bills. Our pet insurance providers will reimburse your pet expenses after your pet is treated at the veterinarian.
Pet Insurance has become more popular as the recent advancements in veterinary medicine are helping pets live longer, but many times these treatments can be costly.
At Parmenter Insurance Agency, Inc, we can provide your pet insurance very affordably where you can visit any licensed vet, specialist, or emergency room. Parmenter is a Pet Insurance agency and is popular pet insurance in California.
So get a quote today to protect your pet and save money on your pet insurance and expenses.
Get a Quote on Parmenter’s Website – https://parmenterins.com/personal-insurance/pet-insurance
10. Safe Hounds Pet Insurance
Buying pet insurance is a major decision and Safe Hounds help you make it.
What pet insurance do you and your pets need? What kind of policy is best for you? What company should you choose? Safe Hounds Per insurance give you the tools to answer these questions. It is one of the most affordable pet insurance in California. It offers various covers as follows;
Services offered by Safe Hounds:
DOG INSURANCE
Pet Dog Insurance? Are you serious? Why would anyone buy that?” That’s what a few folks
CAT INSURANCE
There is a lot more than curiosity that can kill the cat. But if you are well prepared for an emergency
WELLNESS INSURANCE
There is a lot more than curiosity that can kill the cat. But if you are well prepared for an emergency
Get a Quote on Safe Hounds Website – https://safehounds.com/
11. Odie Pet Insurance
Meet Odie, pet insurance in California for everyone who cares about pet health and wellness. Every pet deserves a happy and healthy life, and you deserve accessible options to provide it. We’ve focused on creating flexible plans designed to fit your budget and your pet’s needs.
Pet insurance empowers you in unexpected pet health events.
The reality is that unexpected accidents, illnesses, and other pet emergencies happen. Even though we can’t protect your pets from them, we can help you to make the best decisions about their medical care by sharing the benefits of Pet Insurance.
Each year, Americans pay over $78 billion toward veterinary care, with emergency treatments costing upwards of $1,000 or more!
Customize coverage your way
- Unexpected accidents & illnesses
- Emergency care & hospital stays
- Choose your deductible from $50 – $1,000
*$50 deductible is only available for plans with 70% reimbursement. - Reimbursement percentages between 70-90%
Optional benefits available
- Office Visits & Exam Fees
- Take Home Prescription Medications
- Rehab, Acupuncture, & Chiropractic Care
- Routine Care Plans
All Plans Include
- Accident & Injuries
- Hereditary & congenital conditions
- Emergency care
- Surgery
- Cancer treatment
- Outpatient care
- Dental disease and fractures
- Illnesses
- Diagnostic & Testing
- Hospitalization
- Specialist care
- MRI, CT scan & X-ray
- Ongoing & chronic conditions
Get a Quote on Odie’s Website – https://odiepetinsurance.com/
12. Pacific Preferred Pet Insurance
Since 2011, Pacific Preferred Insurance has been helping California individuals, families, and small businesses find affordable insurance solutions. Our team of knowledgeable insurance professionals is committed to helping you find a policy that fits your needs. We focus on providing personalized attention and quality customer service to create an experience that’s difficult to find in today’s market.
At Pacific Preferred Insurance, we will work with you closely to ensure that you and those that you care about most are protected! It provides the best quotations for pet insurance in California.
What is Pet Insurance?
A policy purchased by the owner of a pet will lessen the overall costs if expensive medical bills are incurred by that pet. This is similar to health insurance policies except that it relates specifically to pets and will cover, either fully or in part, the often expensive fees that are incurred during veterinary procedures.
Pet insurance started in the U.S. in 1980, and the first policy was sold in 1982 for television’s Lassie.
Pet Insurance Coverage
Many animal medical procedures, such as surgeries and sickness, are very expensive to treat. To help with these costs, a pet owner can buy a policy that will save out-of-pocket expenses by paying a yearly or monthly fee known as the premium.
The cost and coverage change with which policy you get and for what type of animal you’re insuring. For instance, it costs more for an outdoor cat than an indoor one, and premiums are higher for the percentage of coverage you wish to buy.
Get a Quote on Pacific Preferred’s Website – https://www.pacificinsuresme.com/pet-insurance-quotes.html
13. Allstate Insurance Co Pet Insurance
Life is just better with a dog or cat around. And while each stage in your pet’s life comes with its joys, there may also be some challenges. The good news is that you can plan for some of the more difficult times by putting a pet health insurance plan in place.
What is pet health insurance?
Pet health insurance helps cover certain medical expenses for your pet. It can provide peace of mind when your cat or dog has an injury, faces a serious health problem, or just goes to the vet for routine wellness care.
Do I need a pet insurance policy?
Veterinary medicine can do amazing things for pets these days, but the costs for scans and other treatments can quickly add up. Allstate pet health insurance can help you stay focused on your sick pet, without the stress of figuring out how to pay for care.
What does pet health insurance cover?
Pet health insurance can help cover the costs of unexpected illnesses or injuries. These include:
- Accidents, and treatments for illness and disease
- Cancer and chemotherapy services
- Surgery, hospitalization, and nursing care
- Lab work and diagnostic tests, including X-rays and MRIs
- Medications
- Genetic conditions^
- Alternative therapies like acupuncture, hydrotherapy, and holistic and homeopathic medicine
- Chronic and recurring conditions, like allergies, diabetes, and hyperthyroidism
You can also talk to your Allstate representative about an optional Wellness Rewards plan that provides coverage for annual check-ups, vaccinations, dental cleanings, and other types of routine care.
Genetic and breed-specific conditions are covered, provided the pet does not show signs or symptoms of them prior to enrollment.
Get a Quote on Allstate’s Website – https://www.allstate.com/pet-insurance
14. Property One Insurance Inc Pet Insurance
Pets bring great joy to a family, but they can also be very expensive to care for. Pet insurance gives you the peace of mind that, in the event that your pet becomes sick or injured, your expenses will be covered.
As technology has improved in recent years, so has the overall quality of veterinary care. However, these improvements have resulted in higher costs and tougher decisions for pet owners.
The last thing Property One Insurance Services wants is for you to have to forgo a potentially life-saving surgery for your family pet because you cannot afford it. Don’t wait until it’s too late. Get pet insurance today.
Property One Insurance Services offers free, comparative quotes on Pet Insurance from multiple insurance carriers so you can get the best possible rate.
Get a Quote on Property One Website – https://www.propertyoneinsurance.com/auto-home-and-personal-insurance/pet-insurance/
15. State Farm Insurance for Pets
Customers and communities rely on us to help them face life’s uncertainties. They trust us for guidance with insurance needs, financial planning, and strengthening the community.
Check out all the different ways we strive to help. Pet insurance in Statefarm is provided by Trupanion. Read More about Trupanion in the next point.
Get a Quote on State Farm’s Website – https://www.statefarm.com/insurance/pet/dog-insurance
16. Trupanion Pet Insurance
Trupanion is a pet insurance provider in California that offers medical insurance for the life of your pet.
90% COVERAGE – Our plan covers 90% of actual veterinary costs for eligible claims. Hand receiving money from having the best pet insurance provider.
NO PAYOUT LIMITS – Your pet receives unlimited payouts for life. Veterinarian hospital accepting pet medical insurance
VET DIRECT PAY.
We can pay your veterinarian directly at the time of checkout.
Here’s what’s Covered:
- ILLNESSES (such as allergies, cancer, or heart disease)
- INJURIES (such as broken bones or bite wounds)
- BREED-SPECIFIC CONDITIONS (such as hip dysplasia, cherry eye, or diabetes)
Your pet can have coverage for all types of procedures and support for eligible issues, such as:
- Diagnostic tests
- Surgeries
- Hospital stays
- Medications
- Veterinary supplements
- Herbal therapy
- Prosthetic devices and carts
Get a Quote on Trupanion’s Website – https://trupanion.com/
17. Fast ESA Letter Pet insurance
What Are The Different Pet Insurance Coverage Options?
Insurers typically offer two main coverage options: comprehensive insurance and accident-only insurance. Each insurance has its pros and cons. You can select it according to your needs.
Comprehensive Coverage
Some comprehensive plans are available bundled with wellness coverage. This pet health insurance coverage has the widest range of benefits, including coverage for:
Accidents
- Injuries
- Chronic illness
- Infections
- Hereditary issues
- Diagnostic care
- Emergency care
Pros of Comprehensive Insurance
- Covers a wide range of illness
- Covers vet-diagnosed sickness or disease
- Good fit for breeds that commonly experience health issues
Cons of Comprehensive Insurance
- Monthly premiums will be higher
- Won’t cover routine care
- Accident-Only Coverage
- Accident-only pet health insurance coverage limited benefits, with no coverage for most illnesses.
This type of policy is good for emergencies, such as:
Accidents
- Injuries
- Bites from animals or insects
- Swallowed objects
- Accidental poisoning
Pros of Accident-Only Coverage
- Affordable monthly premiums
- Best for young and healthy pets
- Cons of Accident-Only Coverage
- Covers only injuries from an accident
- Won’t cover routine care
Get a Quote on FastESALetter’s Website – https://fastesaletter.com/
18. Farmers Insurance for Pets
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. 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 include broken bones, lacerations, or car accidents.
- Illnesses include 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.
Get a Quote on FarmersInsurance’s Website – https://www.farmers.com/pet-insurance/
19. AAA Pet Insurance
The American Automobile Association (known as the “AAA” or “Triple-A”) was established in 1902 in Chicago, Illinois by nine motor clubs with about 1,500 members in response to a lack of roads and highways suitable for automobiles. Today, AAA provides more than 60 million members with pet, travel, automotive, financial, and insurance services through its network of 32 clubs and over 1,000 branch offices across North America.
AAA’s pet insurance is administered by Embrace and underwritten by the American Modern Insurance Group, Inc. When this newcomer entered the pet insurance marketplace through its partnership with Embrace, AAA joined the likes of other brands known for member-exclusive savings, such as USAA and Costco.
Like all providers, AAA won’t cover pre-existing conditions. The list of exclusions also includes:
- Deliberately caused injures
- Injuries and illnesses resulting from racing, fighting, neglect, or cruelty
- Breeding, pregnancy, and whelping
- Cosmetic and elective procedures like ear cropping, claw removal, and tail docking
- Stem cell therapy not deemed medically necessary
- Cloning or DNA testing
Pricing
Embrace’s cat insurance costs about $15 to $20 a month, whereas dog insurance averages between $30 and $40 a month.
Get a Quote on AAA Pet Insurance’s Website – https://mwg.aaa.com/insurance/pet
20. PetInsuranceInfo.com
You hear a lot of different terminologies when it comes to pet insurance. Trying to navigate through the various policies offered by different companies can be intimidating if you’re unfamiliar with what these terms mean.
We believe that the best decision is an informed decision. The objective of this site is to give you the knowledge to confidently understand the components of a pet insurance policy.
We’ve made it easy for you by framing pet insurance terminology in the context of frequently asked questions. Rather than just providing a list of definitions, we use approachable examples and exercises to help you link different concepts together to truly understand how pet insurance works.
Petinsuranceinfo.com has 25 years of experience in developing and delivering educational resources within the veterinary community, always pushing the envelope to provide the most current information using the most current technology.
PetInsuranceInfo.com have designed to help educate you on what pet insurance is, how it works, what to look for, and what questions to ask, as you consider and shop for a policy for your pet.
Get a Quote on Petinsuranceinfo.com Website – https://petinsuranceinfo.com/
21. Pets Best Pet Insurance
Pets Best was founded in 2005 by Dr. Jack Stephens, the “father” of the pet insurance industry in North America.
In 1981 Dr. Stephens launched the first pet insurance company in North America. Years later, along with Pets Best CEO Greg McDonald, Dr. Stephens founded Pets Best to change the pet insurance industry making it better and more relevant for pet owners. Thus the name “Pets Best”.
Pets Best Insurance Coverage includes:
- Accidents – From accidentally swallowing a new chew toy, to broken bones and emergency surgeries, coverage for accidents is at the core of all policies available from Pets Best.
- Illnesses – Our BestBenefit pet insurance plans cover a wide range of illnesses including diabetes, allergies, hip dysplasia, and hereditary and congenital conditions.
- Routine Care – Pet wellness and routine care coverage is available as an add-on to help pay for your dog or cat’s expected veterinary visits like annual check-ups, vaccinations,
Pros
Wide range of deductibles
No upper age limit
Direct pay option available
24/7 vet helpline
Cons
Not all pets will qualify for accident and illness plans
Transaction fees apply
Few annual benefit options
Plan Pricing
Pet insurance policies from Pets Best have two annual benefit maximum options:
$5,000 Unlimited For accident and illness and accident-only plans, you can choose a reimbursement percentage of 70%, 80%, or 90%. Annual deductibles range from $50 to $1,000.
In general, we found Pets Best’s premiums to be in line with industry averages (using average costs for three pet personas: two dogs and a cat). And it offers a 5% multi-pet discount, potentially lowering your premiums.
Get a Quote on PetsBest’s Website – https://www.petsbest.com/
22. Manypets Pets Insurance
From emergency treatment to preventive care, we make giving your pet a healthier life accessible and affordable for all.
Trusted, simple, and affordable, Vet-approved coverage for skin infections.
Why ManyPets is different?
- No networks, no restrictions
- Hassle-free claims process
- No need to update your Vet records each year
- More claims don’t equal higher prices
Plan Pricing
- Dog insurance starts from $20/month.
- Cat Insurance starts from $15/month.
Get a Quote on ManyPets Website – https://manypets.com/us/
23. Nationwide Pet Insurance
Nationwide offers industry-leading pet health insurance for dogs, cats, birds, and exotic pets. Current Nationwide members receive a 5% discount on a new pet health insurance policy.
More coverage when it matters the most, Nationwide pet health insurance reimburses you for eligible veterinary expenses.* Our plans cover more than anyone else, including:
- Accidents & injuries
- Common illnesses
- Serious illnesses
- Chronic illnesses
- Hereditary conditions
- Testing & diagnostics
- Holistic & Alternative
Plan Pricing
Pet insurance plans Nationwide vary depending on your pet and coverage of choice, but they start at $35 per month.
Nationwide’s Whole Pet plan offers reimbursement levels of 50% or 70%, has a $10,000 annual coverage limit, and doesn’t have a lifetime cap on benefits. Major Medical plans come with 90% reimbursement.
You can get a quote online to see what your potential costs might be, but take note that the price of your plan can be influenced by factors like the type of pet you have and your location.
With Nationwide the only deductible option is $250.
The two different wellness add-ons come at varying price points.
- Wellness Plus: $17 to $22 per month
- Wellness Basic: $12 to $18 per month
Get a Quote on Nationwide’s Website – https://www.petinsurance.com/
24. Trustedpals Pet Insurance
Trustedpals provide covers for hundreds of accidents, illnesses, and urgent care for your cats and dogs if you get in a scrape.
Between its accident and illness plan and a wellness add-on, TrustedPals Pet Insurance can cover a variety of your pet’s needs, with discounts that make it easy to save if you insure more than one pet, have a service animal, or work a certain job.
Pros
You can choose a $0 deductible and a 100% reimbursement percentage
High third-party ratings
Cured pre-existing conditions can receive coverage
Cons
No accident-only plan is available
Monthly fees may apply
No 30-day money-back guarantee
Plan Pricing
The cost of your TrustedPals plan will depend on a few different factors, such as your pet’s age and breed, where you live, and whether or not your pet is male or female. You can expect your plan pricing to rise throughout the pet’s life, as it generally costs more to care for older pets.
Luckily, there are some discounts available through TrustedPals:
- 5% discount for insuring more than one pet
- 5% discount for military members or veterans, those that work in a veterinary clinic, vet students, first responders, and owners of service animals
- Discounts aren’t allowed in New York and Tennessee.
You have some flexibility when it comes to your reimbursement level, annual deductible, and annual benefit limit; all of those factors will impact your premium costs.
- Reimbursement level: 100%, 90%, 80%, 70%
- Annual deductible options: $0, $100, $250, $500, $750
- Annual benefit limit: $4,000, $8,000, $15,000, unlimited
- There is no lifetime benefit limit.
Get a Quote on TrustedPals’s Website – https://www.trustedpals.com/
25. Petplan
Petplan’s offerings and services are limited. It doesn’t pay your vet directly for claims, and it also has a longer waiting period for accidents compared to other pet insurance companies. Petplan also doesn’t offer lots of extras, like wellness coverage or a helpline.
- Pros
- Covers vet exam fees
- Covers advertising fees and rewards if your pet is lost or stolen
- Includes coverage for boarding and kennel fees
- Cons
- 15-day waiting period for accidents
- 6-month waiting period for pre-existing cruciate ligament issues and hip dysplasia (the pet may be covered if it’s within
- 30 days of your policy purchase and there’s documentation that it’s a new condition)
- No 24/7 vet helpline
- No preventative care plan is available.
Plan Pricing
- Maximum annual coverage – $5,000, $15,000, Unlimited
- Reimbursement choices – 70%, 80%, 90%
- Deductible choices – $250, $300, $500
Get a Quote on Petplan’s Website – https://www.petplan.co.uk/
Cheapest and Affordable Pet Insurance in California
| Company | Monthly Cost in California |
| Lemonade | $35 |
| Pets Best | $35 |
| ManyPets | $40 |
| Nationwide | $49 |
| TrustedPals | $51 |
| Figo | $56 |
| Embrace | $65 |
| Healthy Paws | $65 |
| Prudent Pet | $84 |
| Petplan | $95 |
| Spot | $95 |
| Trupanion | $113 |
Search for Pet Insurance in your Nearest City in California
- Best Pet Insurance in Los Angeles
- Best Pet Insurance in San Diego
- Best Pet Insurance in San Jose
- Best Pet Insurance in San Francisco
- Best Pet Insurance in Fresno
- Best Pet Insurance in Sacramento
- Best Pet Insurance in Long Beach
- Best Pet Insurance in Oakland
- Best Pet Insurance in Bakersfield
Thank you for reading this article on the top 25 best pet insurance providers in California. We hope you liked Searchmyinsurance and you can also read other customers’ reviews about insurance policies on our blog.
