Best Pet Insurance in California
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California is a pet lover’s paradise, but as any responsible pet owner knows, unexpected accidents or health issues can quickly turn a joyful pet-parenting experience into a stressful and costly one. Luckily, you can avoid the financial burden of footing the vet bills should this happen with pet insurance. In the Golden State, where pet culture thrives, finding the best pet insurance can be a game-changer for your furry or feathered family members. Whether you have existing coverage or intend to buy a new one, this list of the best pet insurance companies in California will be of help to you.

Best Pet Insurance Companies in California

The following are some of the best pet insurance companies in California:

#1. PawProtects

The first on our list of the best pet insurance providers in California is PawProtects. Embrace Pet Insurance, a reputable and long-standing provider of pet insurance services, is in charge of managing the Paw Protect plans. This means that when an individual procures a policy via Paw Protect, it is Embrace that assumes the role of the insurer, offering coverage for the pet. The primary difference between the two brands is that Paw Protect provides a credit feature known as Paytient. This allows customers to use a line of credit with a 0% interest rate to cover upfront veterinary expenses, as opposed to paying for these costs directly from their funds.

Benefits Of Choosing PawProtect Insurance in California

The following are some of the benefits of choosing PawProtect insurance:

  • Each customer is provided with a virtual credit card that has a line of credit up to $2,000. This credit card is intended to pay costs incurred at a veterinary office or an emergency pet clinic. If at the end of the day, you submit a claim, then it will repay the line of credit. But you’ll still reimburse your deductible and copayment if you use the line of credit. However, I love the fact that people who find it difficult to repay can arrange a repayment plan over 12 months without incurring any interest charges.
  • The plan and pricing offered by Embrace are identical to those of their 5-star plan.
  • This policy covers the cost of the veterinarian office visit fee in cases of both illness and accidents.
  • The policy includes a “diminishing deductible” provision, whereby the deductible amount decreases by $50 for each consecutive year without a claim being filed.
  • The accident coverage entails a waiting time of only two days.
  • The inclusion of an elective wellness plan is possible.
  • The plan includes a pet telehealth line that operates 24 hours a day, 7 days a week.

#2. Spot

Spot Pet Insurance may be a favorable choice for pet owners who choose coverage limitations over discounts. Once more, pet owners who seek extensive preventive-care coverage, as well as those who desire the ability to personalize their coverage level, may find it useful to consider the alternatives offered by Spot.

The company’s accident and illness plan includes fundamental facets of veterinary care, such as veterinary examinations, diagnostic testing, and prescription medications. Furthermore, Spot offers pet owners the option to select among two tiers of preventive coverage. These are Gold and Platinum, for an additional cost of $9.95 or $24.95 per month, respectively.

Moreover, pet owners who want to safeguard their companion with Spot are presented with a variety of deductible choices, spanning from $100 to $1,000. Additionally, they are offered a range of alternatives for yearly benefit limitations, starting at $2,500 and extending to a limitless amount. 

#3. Pets Best

Pets Best offers a range of coverage choices at varying pricing points for pet owners. Individuals have the option to select between a comprehensive plan that covers both accidents and illnesses or a simplified plan that solely covers accidents. PetsBest offers a commendable combination of comprehensive coverage and competitive pricing. The extensive selection of deductible options facilitates effective financial planning for potential claims. The range of coverage alternatives and their availability can be contingent upon geographical location as well as the age and breed of one’s pet.

Benefits of Choosing the Pets Best Insurance in California

The following are some of the benefits of choosing Pets Best Insurance:

  • If the veterinarian grants permission, it is possible to remit payment straight to them; this simply means you wouldn’t have to foot the bill and wait for reimbursement.
  • 24 hours a day, 7 days a week telehealth line.
  • A wide array of deductible options is available.
  • A discount of 5% per pet is offered for multiple pets.
  • There are routine wellness plans that are now accessible.
  • The waiting period for accident coverage is limited to a duration of merely three days.

#3. Lemonade Pet Insurance 

Lemonade Insurance, established in 2015, provides a range of insurance products, including pet insurance as well as homeowners, renters, life, and vehicle insurance. For both dogs and cats, Lemonade Insurance Agency, LLC underwrites the pet insurance coverage that the business offers. Regrettably, the provided coverage is limited to cats and dogs alone. Lemonade offers pet insurance coverage that may be tailored to accommodate both the financial constraints of the policyholder and the specific requirements of their pet.

In comparison to the other companies we examined, Lemonade provides a greater variety of supplementary options. Additionally, they provide the option of wellness coverage. Lemonade offers a variety of discounts. Lemonade, as a part of its customer benefits program, offers a multi-pet discount of 5%. Furthermore, existing customers are eligible for a 10% discount, while individuals who want to pay their premiums annually instead of monthly can avail of a 5% discount.


ASPCA Pet Health Insurance, established in 1997, is widely recognized as one of the longest-standing pet insurance providers in the United States. The underwriter for this entity is the United States Fire Insurance Company, and it has successfully handled a total of over 2.2 million claims. ASPCA is a suitable alternative for anyone seeking a provider that offers a wide range of coverage options, including an accident-only plan that caters to pets across all age groups. If what you intend to insure is your dog, cat, or even horse, then ASPCA is the perfect plan for your pet insurance in California. 

Benefits of Choosing ASPCA Pet Insurance in California

The following are some of the benefits of choosing ASPCA pet insurance:

  • ASPCA provides coverage for pet microchipping.
  • They have a pet telehealth line that operates continuously, 24 hours a day, 7 days a week.
  • This policy includes the cost associated with the veterinary office visit fee in the context of both illness and accidents.
  • An optional wellness plan is offered.
  • A discount of 10% is offered for the purchase of multiple pet coverage
  • There are no designated waiting periods for individuals with cruciate ligament concerns or other specified medical disorders.

#5. Figo

Figo provides an extensive array of insurance coverage options for pet owners in California. The company offers insurance with varying coverage limits and other optional coverages, such as wellness care. The absence of a ceiling on claim payouts by ailment and the lack of an upper-age limit in Figo’s policy can prove advantageous for individuals whose pets experience the onset of chronic illnesses. 

Figo pet insurance offers a price that is competitive in the market and facilitates the formation of social groups among those who share a common interest in dogs. The lack of an accident-only insurance option from the insurer is one potential limitation. However, it offers a diverse range of coverage options, reimbursement plans, and deductible choices, which can effectively assist individuals in managing their financial resources. The accident coverage entails a brief waiting time of one day.

Benefits of Choosing Figo Pet Insurance in California

The following are some of the benefits of choosing Figo pet insurance:

  • They have a pet telehealth line that operates continuously, 24 hours a day, 7 days a week
  • The accident coverage policy entails a brief one-day waiting period.
  • Provides a reimbursement option with a 100% coverage rate.
  • There are routine wellness plans that are now accessible.
  • A cloud community known as the Figo Pet Cloud helps pet owners identify pet-friendly places and connect with fellow pet guardians to organize social engagements, such as canine play sessions
  • Provides an enhanced package that encompasses unique scenarios, including promotional activities and incentives for locating missing animals, reimbursement for holiday cancellation arising from an unforeseen pet-related incident, and compensation for the loss of a pet due to theft or wandering.

#6. Fetch by the Dodo

The pet insurance policies offered by Fetch, a company associated with The Dodo, provide comprehensive coverage for accidents and illnesses on both dogs and cats. The company’s comprehensive plan encompasses a variety of diagnostic tests, medical procedures, and pharmaceutical treatments, in addition to emergency consultations and hospital admissions. Dodo’s streaming service, Fetch, is accessible in all states within the United States as well as the District of Columbia. XL Specialty Insurance Company, Axis Insurance Company in the United States, and Axis Reinsurance Company in Canada are the companies that underwrite the insurer’s insurance policies.

Is it Worth it to Get Pet Insurance?

It’s certainly worth it when you consider that pet insurance helps cover the cost of medical care for your best buddy. If your pet needs immediate, costly veterinary care, pet insurance can help you afford the cost in the long term.

What are the 4 Types of Pet Insurance?

The four types of pet insurance are:

  • Lifetime Policies
  • Time-limited policies
  • Accident-Only Policies
  • Maximum Benefit Policies

Should I Get Pet Insurance Before Going to the Vet?

Sure, you should buy your pet insurance before scheduling a veterinary examination for the pet. Based on personal observations, individuals who possess pet insurance can make decisions regarding veterinarian care based on anticipated prognosis rather than financial considerations, since they are aware that a portion or the entirety of the expenses will be covered.

Does Pet Insurance Cover a Lot?

In most cases, the finest low-cost pet insurance will pay for some percentage of your pet’s veterinarian care costs (often 70%, 80%, or 90%). 

What Age is Best to Get Pet Insurance?

Getting pet insurance when they’re young is ideal. This is because pets health will worsen with age, making them a greater insurance risk. You, the owner, will pay for that risk in the form of higher insurance rates, both on a monthly and yearly basis.

Is Pet Insurance Tax Deductible?

Yes, pet insurance is tax deductible, but only under certain circumstances. Consult a tax expert to determine whether or not your pet insurance premiums are tax deductible for assistance dogs or dogs that generate taxable income or not. You may find out if you qualify for a deduction and receive qualified guidance from a tax expert who has reviewed the relevant IRS guidelines.

How Much Should I Be Spending on Pet Insurance?

Insurance for your pet can cost anywhere from $9 to $90 annually. A good accident and illness plan should cost between $20 and $50 monthly for the average pet owner.

How Do I Choose the Best Pet Insurance?

The following is a detailed guide on how to choose the best pet insurance provider:

  • Determine a plan type: Do you want both accident and illness coverage for your pet? Do you want to be accident-only? Is preventive care a priority? Be familiar with the different types of pet insurance plans and how much coverage you want for your pet.
  • Read coverage details: Kindly go through the coverage. It’s advisable to carefully examine exclusions, tiny language, and any particular requirements about the coverage for certain conditions. 
  • Look at customer reviews: It’s advisable to consult reputable sites such as the Better Business Bureau (BBB), Trustpilot, Google, Yelp, and even Reddit to gain insights into customers’ experiences.
  • Get sample quotes:  It’s advisable to acquire a sample quotation to gain an understanding of the anticipated cost. 
  • Speak to a representative. If there are any inquiries, it is advisable to contact the customer care line of the provider to obtain clarification before proceeding.

Does Pet Insurance Cover Fleas and Ticks?

The cost of protecting your pet against fleas and ticks is typically not included in your pet’s basic insurance coverage. Insurers view preventive care as a regular monthly expense for pet owners rather than an unexpected expense for which policyholders might need financial assistance. However, for a small additional cost each month, several providers offer preventive care packages.

Pet Insurance California Cost

The cost of pet insurance in California exhibits variability based on factors such as geographical location, coverage extent, and the age and breed of the pet in question. Nevertheless, the typical cost of a standard accident-and-illness plan for dog and cat insurance ranges from $10 to $60 each month.

The following are some of the factors that affect the cost of your pet insurance in California:

  • Breed: The breed of your pet might have a substantial impact on the amount of your insurance premium. Certain pet breeds, for instance, dogs, have a higher cost of insurance compared to others, primarily because they are more prone to specific health conditions. 
  • Age: The premium for your pet may vary based on its age. Insurance premiums for older animals tend to be higher due to their increased susceptibility to health-related concerns. This is the primary reason why the best time to get pet insurance is at a young age.
  • Location: The pricing structure for plans is commonly established by considering the projected veterinary expenses within a certain locality.
  • Discounts: Various insurance plans come with discounts. If you’re interested in getting discounts, then you should check out various insurance companies that offer discount perks
  • Customization: Numerous corporations provide options for tailoring the premium according to individual preferences, such as selecting yearly limitations, deductibles, and reimbursement rates. To minimize the monthly expense, it is advisable to go for a low coverage cap and a large yearly deductible. It is important to note that out-of-pocket payments will be higher in the event of filing a claim.


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