Updated Jan 9, 2023
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Pet insurance can minimize the cost of owning, living with, and caring for your furry friend. The best pet insurers nationwide have plans that pay for quality healthcare for your pet, but each has its special appeal.
After meticulously researching coverage plans, limits, deductibles, customer reviews, and other areas, we’ve created our list of the best pet insurance providers in California. Our research should help you choose the right plan for your pet and budget.
Here are the nine best pet insurance providers in the Golden State:
The chart below gives you a quick overview of each pet insurance company’s coverage. The premiums below are estimates determined using a Los Angeles ZIP code and comparing quotes for a medium-sized domestic short-haired cat and a large (70+ pounds) mixed-breed dog. Your final price may vary based on your coverage, plan, add-ons, and pet’s age and breed.
|Provider||Premiums||Deductible||Reimbursement Rates||Annual Limits||Coinsurance||BBB rating*|
|Lemonade||$14–$65 per month||$100, $250, or $500||60%, 70%, 80%, or 90%||$5,000–$100,000||30%, 20%, 10%||Not rated|
|Spot||$8–$23 per month||$100, $250, $500, $750, or $1,000||70%, 80%, or 90%||$2,500–unlimited||30%, 20%, 10%||A|
|Wagmo||$20–$60 per month||$250, $500, or $1,000||90% or 100%||$20,000||10% or 0%||B|
|Embrace||$17–$58 per month||$200, $300, $500, $750, or $1,000||70%, 80%, or 90%||$5,000–$30,000 (accident and illness), $5,000 (accident-only)||30%, 20%, 10%||A+|
|Healthy Paws||$24–$101 per month||$100, $250, $500, $750, or $1,000||70%, 80%, can range from 50% to 90% (in some areas)||Unlimited||30%, 20%, can range from 50% to 10% (limited to certain areas)||A|
|Pawp||$24 per month||None||100% (up to annual limit)||$3,000||0%||Not rated|
|Figo||$26–$50 per month||Varies based on pet age||70%, 80%, 90%, or 100%||Unlimited||30%, 20%, 10%, 0%||B+|
|Fetch||$28–$48 per month||$250, $300, or $500||70%, 80%, or 90%||$5,000–unlimited (available via phone)||30%, 20%, 10%||A+|
|Trupanion||$12–$118 per month||$0 to $1,000||Up to 100%||Unlimited||As low as 0%||Not rated|
Lemonade is excellent if you want the best overall pet insurance coverage. Pet parents can take advantage of the affordable rates and excellent coverage, which relieves potential stress associated with steep monthly premiums. You can also bundle your Lemonade pet insurance with your auto or homeowner’s insurance to save 10% off.
Lemonade has three insurance plans for cats and dogs: base accident-and-illness, extended accident-and-illness, and preventative care. The base package covers health conditions such as urinary tract infections, diabetes, acute injuries (lacerations and broken bones), arthritis, and cancer.
Extended coverage offers policyholders various add-ons to the base package, including vet visit fees, treatments, and end-of-life expenses. The preventative care package has wellness plan coverage on exams, boosters, vaccines, heartworm tests, flea medication, and similar treatments.
The main Lemonade plan covers the following treatments and care:
You can also choose from the below optional add-ons:
Lemonade pet insurance costs vary based on the plan, coverage, and pre-existing conditions your cat or dog has. Its average monthly cost in California ranges from $14 to $65. For example, a 3-year-old German shepherd in California costs $45.01. For a 3-year-old Persian cat, the cost is $19.98 for cat insurance.
Learn more: Lemonade pet insurance review
Get a quote: Go to Lemonade’s website for a free quote and explore its policies further.
Spot earned a place on our list because of its customizable plans, which make a difference for pet owners who want specific coverage. Spot has seven plans, and coverage caps range from $2,500 to limited coverage. Pet owners can also buy a plan with accident-only coverage, an affordable option for owners who only want coverage for emergency care.
Pet owners with Spot insurance gain access to three types of coverage, which form the foundation of the seven total plans: accident-and-illness (injuries and illnesses), accident-only (unexpected injuries), and preventative care (wellness). Owners can purchase the preventative care package as an add-on to the other two plans.
Spot’s pet insurance monthly premiums vary based on the pet’s age, breed, and pre-existing conditions. The cost for a 3-year-old German shepherd with the Spot Accident+Illness coverage costs $22.65 per month, and the Accident Only plan costs $13.09. For a 3-year-old Persian cat, the Accident+Illness coverage and Accident Only plans cost $15.57 and $8.23, respectively.
Get a quote: Visit Spot’s website to compare its pet insurance coverage with other providers.
Wellness plans are an essential part of pet care and preventative maintenance. Wagmo’s wellness plans often include reimbursements for various wellness-related costs, including dental cleanings, prescriptions, and vaccinations.
Wagmo has an extensive list of wellness plans, allowing pet owners to pick their price tiers and coverage preferences. Given the importance of personalized wellness plans, Wagmo is a sound choice.
Wagmo offers a handful of coverages, including a standard accident-and-illness plan and three wellness plans (value, classic, and deluxe). The accident-and-illness plan covers typical expenses, such as emergency vet visits, prescription medications, and surgeries.
Wellness plans include coverage of a wellness exam, vaccines, bloodwork, fecal tests, urinalysis, flea/tick/heartworm medication, and more. Exact coverages depend on the plan you choose.
The pricing for Wagmo’s pet insurance ranges from $20 to $60, depending on the plan level and your pet’s age, type, and condition. Let’s look at two examples. First, a 3-year-old German shepherd dog costs $20/month for the Value plan, $36/month for the Classic plan, and $59/month for the Deluxe plan. Surprisingly, the costs are the same for a 3-year-old Persian cat.
Get a quote: Compare Wagmo to other pet insurance companies near you by getting a free quote from Wagmo.
Embrace insurance provides a range of savings options via discounts, which cut costs on monthly premiums without sacrificing coverage. Discounts include breaks for multi-pet coverage and military veterans. Some employers also engage Embrace for a discount for their employees.
California pet owners have access to two plans with Embrace: accident-and-illness and wellness. The accident-and-illness plan covers various illnesses and injuries, including cancer, dental trauma, genetic conditions, allergies, and other chronic conditions.
The wellness plan offers 100% reimbursement for routine pet care, including grooming, vaccinations, teeth cleaning, and spay/neuter surgery. The coverage amount you’ll receive depends on your plan, which will determine the cost of the package.
Embrace pet insurance has several options: You can choose the annual reimbursement limit, annual deductible, and reimbursement percentage. As you might suspect, the cheapest monthly premium is when you choose the minimum amount for each option.
As an example, a 3-year-old German shepherd dog’s monthly premiums range from $28.17 (using a $5,000 annual reimbursement limit, $1,000 annual deductible, and 70% reimbursement percentage) to $99.45 (using a $30,000 annual reimbursement limit, $200 annual deductible, and 90% reimbursement percentage)
While accident-only coverage may be the best option for some pet owners, other owners may feel more comfortable with a plan that provides more coverage. And Healthy Paws offers one of the best pet plans with unlimited coverage. Although other pet insurers offer similar packages, the plans from Healthy Paws come at more affordable prices.
Healthy Paws offers a single plan for accident-and-illness coverage, which pays for emergency treatments, procedures, and associated costs. Although the plan excludes pre-existing conditions, exam fees, preventative care, and behavioral issues, it has lifetime benefits and no limits, either annually or per incident.
Like most pet insurers, Healthy Paws’ costs vary depending on the type of pet and its age. For example, a 3-year-old German shepherd dog has a monthly premium of $63.74. In contrast, the insurance for a 3-year-old Persian cat comes in at $41.98 per month.
Get a quote: Go to the Healthy Paws website for a free quote to see how it compares to the other pet insurance companies in California.
Pawp’s coverage is unlike traditional pet insurance. Instead, you get emergency vet visit coverage for up to six pets for a flat rate of $24 per month. This makes it the best for multi-pet coverage.
Many members use its policy to supplement another pet insurance policy to cover emergency veterinary bills (up to $3,000 per year). However, Pawp has its own network of licensed veterinarians, meaning you likely won’t use your current vet for Pawp coverage.
Pawp only has emergency coverage for your pets and no traditional insurance policies. Pet owners must visit Pawp’s licensed vets through the digital clinic to use this emergency coverage. Once the remote veterinarian determines the emergency is life-threatening and recommends immediate treatment, you must take your pet to your local vet within four hours.
No matter the breed, age, or condition of your cat and dog, the monthly premium for California is always the same at $24 per month.
Get a quote: Pawp’s has a single, flat-rate policy at $24 per month. So, no quotes are required. You can visit Pawp’s website for more details and sign up for coverage.
Out-of-pocket vet bills are sometimes steep, and the bite out of the pocketbook is worse if your insurer’s reimbursement period extends too long. This is where Figo pet insurance shines. Unlike other pet insurance providers, Figo prioritizes turnaround times. You won’t wait months for your insurance reimbursement to arrive.
Figo offers its coverage packages in three straightforward options: Essential, Preferred, and Ultimate. The primary difference between each option is the annual coverage cap, as each plan includes accident-and-illness coverage.
Figo packages cover surgeries, prescriptions, diagnostic testing, and more. Pet owners can add a Wellness Basic Plan or a Wellness Plus Plan, which covers vaccines, annual exams, teeth cleaning, and spaying or neutering. Adding these packages to your policy will add costs of between $9.50 and $16.50 per month.
The monthly premiums for Figo pet insurance vary based on the age and breed of your cat or dog. Additionally, the annual coverage limits, reimbursement percentage, and deductible you choose affect the price.
For example, a policy for a 3-year-old German shepherd dog ranges from $22.79 to $111.36. The monthly premium for a 3-year-old Persian cat ranges from $10.58 to $51.74.
Get a quote: Go to Figo’s website to obtain a quote to compare with other pet insurance companies.
Therapy can be life-changing for some pets, whether it’s behavioral therapy to correct various emotional issues or physical therapy for injury recovery. Fetch by The Dodo pet insurance—Fetch, in short—understands the need for excellent pet therapy coverage. Its plans reimburse owners for these treatments.
Fetch’s standard plan includes costs related to illnesses and injuries, such as alternative treatments, exam fees, and diagnostic testing. Fetch also provides a wellness plan that tacks on coverage for wellness-related services, such as annual checkups, spay and neuter surgeries, and grooming.
Customers can choose from various levels of the standard plan to modify payouts, deductibles, and reimbursements, each affecting the monthly premium.
Fetch’s pet insurance premiums vary based on the age, breed, animal, and your pet’s condition—just like many other providers. For a 3-year-old German shepherd, Fetch’s insurance will cost about $53.10 per month. On the other hand, a 3-year-old Persian cat costs $27.62 per month to insure in California. For both examples, the maximum annual payout is $5,000, the annual deductible is $300, and the reimbursement percentage is 80%.
Get a quote: Click here to get a quote on Fetch’s website and compare it to other providers.
Trupanion understands the need for flexible deductibles, as not every budget is the same. Pet owners can choose from deductibles that range from $250 to $1,000 range in $50 increments.
Trupanion has a single comprehensive plan covering accidents and illnesses. With it, pet parents receive up to 100% reimbursement, and there isn’t a cap on coverage.
Although Trupanion doesn’t offer any preventative or wellness care add-ons like many other brands, it has two additional rider packages for consideration:
In California, American Pet Insurance Company underwrites Trupanion’s pet insurance. For a 3-year-old Persian cat, the monthly premiums range from $40.83 with a $1,000 deductible to $164.16 with a $0 deductible. On the other hand, a 3-year-old German shepherd dog has a monthly premium cost ranging from $88.39 with a $1,000 deductible to $384.93 with no deductible.
Get a quote: To get a quote, visit the Trupanion website and fill out the form.
Before you select a pet health insurance provider in California, familiarize yourself with the basics of a pet insurance policy and learn about options you can add to basic plans. Each insurance company has unique add-ons to make a policy worth the money.
As you look for a pet insurance provider for your pets, consider the below critical factors that determine the value of your policy and its cost:
When evaluating a pet insurance policy, don’t overlook the small print. Carefully review coverage restrictions and limits, age constraints, waiting periods before benefits kick in, annual deductibles owed by you for each claim filed per year, along with multi-pet discounts available. Also, consider pre-existing conditions requirements related to enrollment terms that apply.
Here are some pet laws in major California cities to be mindful of. If your city isn’t listed, look online for the ordinances that apply to you.
The city of Fresno outlines a few pet laws surrounding household pets, including:
Pet owners in Los Angeles must follow the city’s pet laws. These laws include:
In the city of Sacramento, pet owners must abide by several rules and regulations, including:
The city of San Diego outlines several laws regarding pet ownership, including:
When it comes to pet insurance, what matters most differs for each person. Financial budgets, special pet healthcare needs, deductibles, coverage expectations, specialty needs—no two owners, or pet situations, are alike. We recommend getting quotes from several of our top providers to find the best one for your peace of mind.
On average, pet insurance for a California resident costs between $20 and $100 a month for dogs. Insurance usually costs less for cats, ranging from $15 to $50 a month. Your estimated costs will go up or down based on the company, plan, and add-ons you pick.
For many California residents, paying a several-thousand-dollar vet bill after an unexpected pet scare isn’t financially feasible. Vet bills sometimes jump into the category of unaffordable. That’s why pet owners can benefit from pet insurance. Coverages mitigate financial risks associated with owning pets.
Every veterinary clinic has its policy about pet insurance and insurance claims. Some vets only accept certain insurers. Others don’t accept pet insurance at all. In some cases, you might need to pay the clinic directly at the time of treatment and seek reimbursement through your insurance policy later. It all depends on the clinic you choose and its policies.
Check with your vet clinic for its stance on accepting insurance for routine care. By doing this now, you won’t have any stressful surprises during emergencies later on, such as finding out your vet won’t take your insurance.
Our in-house team of pet insurance experts—most pet parents themselves—are dedicated to providing a trustworthy knowledge base for readers as they decide on the best pet insurance plan for their animal. Using our proprietary composite rating system, we scored qualifying providers across the pet insurance marketplace based on their performance in key categories such as standard coverage breadth, affordability, customer satisfaction, overall accessibility, financial stability, and more.
House Method’s editorial team behind our pet insurance content is committed to providing research-backed, unbiased, and actionable advice for anyone considering a pet healthcare plan. To do so, we rely on our proprietary composite rating system, which appraises each featured insurer based on its independent performance in eight overarching categories.
Supporting evidence behind each score assigned is solely leveraged from verified data sources, including but not limited to insurers’ public-facing websites, state and national regulator indexes, credit rating agencies, verified consumer review platforms, and more.
Each pet insurance provider has the potential to achieve an aggregated maximum value of 10 points across the eight main scoring categories and its 34 more granular subcategories. After passing through the full rating system, a provider’s total score is translated into a star rating, including full and half-star increments between 1 and 5.
All reviews of pet insurance providers and related products published on House Method consider the following eight primary data points, accompanied by the maximum points possible for each:
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