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Best Pet Insurance in California (CA) in 2023

By Stephanie Koncewicz 11/17/2023

The Golden State is an ideal home for a pet. What four-legged wouldn’t want to walk parks such as Yosemite and Joshua Tree or lounge with an ocean view in Malibu or Santa Monica? We recently reviewed the top insurance companies across the country to see how they compare on price, plan options, customer service, and more. See our choices for the best pet insurance in California below.

Compare California Pet Insurance Companies

Star Rating Monthly Fee for Dogs* Monthly Fee for Cats* Plans Link
Lemonade Lemonade
$23.22 $11.00 Accident and illness, wellness Visit Site
Pets Best Pets Best
$28.55 $16.59 accident and illness, accident only, wellness Visit Site
Prudent Pet Prudent Pet
$49.59 $26.76 Accident and Illness; Accident-Only; Wellness Visit Site
Healthy Paws Healthy Paws
$48.65 $17.57 Accident and illness Visit Site
Figo Figo
$26.48 $13.28 Accident and illness, wellness Visit Site
Spot Spot
$45.75 $18.91 Accident and illness, accident only, wellness Visit Site
Fetch Pet Insurance Fetch Pet Insurance
$46.48 $26.53 Accident and illness Visit Site
$43.29 $19.53 Accident and illness, accident only, wellness Visit Site
Wagmo Wagmo
$68.88 $39 accident and illness, wellness Visit Site
Logo Lemonade
Star Rating
Monthly Fee for Dogs* $23.22
Monthly Fee for Cats* $11.00
Plans Accident and illness, wellness
Visit Site
Pets Best
Logo Pets Best
Star Rating
Monthly Fee for Dogs* $28.55
Monthly Fee for Cats* $16.59
Plans accident and illness, accident only, wellness
Visit Site
Prudent Pet
Logo Prudent Pet
Star Rating
Monthly Fee for Dogs* $49.59
Monthly Fee for Cats* $26.76
Plans Accident and Illness; Accident-Only; Wellness
Visit Site
Healthy Paws
Logo Healthy Paws
Star Rating
Monthly Fee for Dogs* $48.65
Monthly Fee for Cats* $17.57
Plans Accident and illness
Visit Site
Logo Figo
Star Rating
Monthly Fee for Dogs* $26.48
Monthly Fee for Cats* $13.28
Plans Accident and illness, wellness
Visit Site
Logo Spot
Star Rating
Monthly Fee for Dogs* $45.75
Monthly Fee for Cats* $18.91
Plans Accident and illness, accident only, wellness
Visit Site
Fetch Pet Insurance
Logo Fetch Pet Insurance
Star Rating
Monthly Fee for Dogs* $46.48
Monthly Fee for Cats* $26.53
Plans Accident and illness
Visit Site
Star Rating
Monthly Fee for Dogs* $43.29
Monthly Fee for Cats* $19.53
Plans Accident and illness, accident only, wellness
Visit Site
Logo Wagmo
Star Rating
Monthly Fee for Dogs* $68.88
Monthly Fee for Cats* $39
Plans accident and illness, wellness
Visit Site

*Costs are based on quotes for 4-year-old, mixed-breed, male pets.

9 Best Pet Insurance Providers in California

Here are our top picks for the best pet insurance in California:

Lemonade Best Overall

Scoring a 4.8 out of 5, Lemonade is our top choice for pet owners looking for the best overall coverage, plan customization, and affordability. It also has a unique mobile app with AI technology, providing one of the fastest claims-filing processes in the industry. The company offers up to $100,000 of accident-and-illness coverage per year, plus add-ons for routine care and wellness, exam fees, and physical therapy.

Lemonade lost points for its B- rating from the Better Business Bureau (BBB). However, the majority of the customer complaints on the BBB site refer to Lemonade’s homeowners and renters insurance policies rather than pet insurance.

  • Deductibles: $100, $250, or $500
  • Annual coverage limits: $5,000, $10,000, $20,000, $50,000, or $100,000
  • Reimbursement rates: 70%, 80%, or 90%

Learn more: Lemonade Pet Insurance Review

Pros & Cons of Lemonade Pet Insurance
Pros Has a charitable giveback program Has a short two-day waiting period for accidents Offers a 10% discount for bundling your pet insurance policy with Lemonade home insurance Cons Doesn’t cover behavioral issues Customer service can be difficult to reach Has a lower BBB rating than many competitors
Lemonade Plans and Coverage

Lemonade offers one pet insurance plan for accidents and illnesses, along with three add-ons for extra coverage.

Standard Plan: The standard policy covers procedures, treatments, and vet visits related to accidents and illnesses, such as diagnostics, hospitalization, emergency care, surgery, prescription medications, and injections.

Eligible incidents include infections, cancer, broken bones, hip dysplasia, heart disease, or general illnesses, but preexisting conditions, elective procedures, and behavioral treatments are excluded from coverage.

Add-on Coverage: Pet parents interested in being reimbursed for routine veterinary care can add the preventive care add-on for an extra $16–$25 per month for dogs and $10–$20 per month for cats. This covers services such as annual exams, vaccinations, and annual blood work.

Lemonade offers an additional five add-on options for behavioral conditions, dental illness, end-of-life and remembrance, physical therapy, and vet visit fees.

Pets Best Most Affordable Pricing

We scored Pets Best a high score of 4.8 out of 5 for a few reasons. First, we like how much customization there is. You can choose between accident-and-illness and accident-only coverage, then add wellness coverage if you want. Even with the accident-and-illness plan, you have three coverage options. We also like the 24/7 helpline and the lack of an upper age limit for pets.

What we don’t like is the long waiting period for certain conditions, as well as the processing charge. While it is only $2, we haven’t seen this charge with other companies.

  • Deductibles: $50, $100, $200, $250, $500, $1,000
  • Annual coverage limits: 5,000, unlimited
  • Reimbursement rates: 70%, 80%, 90%

Learn more: Pets Best Pet Insurance Review

Pros & Cons of Pets Best
Pros Offers an unlimited coverage option Allows vet direct pay, so you can skip paying out-of-pocket Doesn’t have an upper age limit Cons Charges processing fees Has a 6-month waiting period for orthopedic conditions Only includes exam fees and certain therapies at an upcharge
Pest Best Plans and Coverage

Pets Best is one of the few providers on our list that offers an accident-only plan. You can also choose to add wellness coverage.

Accident-and-Illness Plan: The accident-and-illness plan covers much of the same conditions as other providers, such as broken bones, lacerations, swallowed objects or toxins, emergency care, cancer, surgery, diabetes, arthritis, allergies, and more. You can choose from three tiers for this plan: Essential, Plus, or Elite. The Plus and Elite plans cover exam fees, and Elite covers rehabilitative, acupuncture, and chiropractic care.

Accident-Only Plan: The accident-only plan covers accidental injuries or issues, not illnesses. Per month, it’s $9 for dogs and $6 for cats.

Add-On Coverage: You can choose to add coverage for routine wellness care, such as vaccinations, wellness exams, or parasite prevention. Pets Best has two tiers you can choose from, one starting at $14 per month and the other at $26.

Prudent Pet Most Comprehensive Plan

Prudent Pet scored 95 out of 100 for its impressive Ultimate Plan, which is the most comprehensive plan we reviewed. This accident-and-illness pet insurance plan includes an unlimited annual coverage cap and extra coverage for behavioral disorders, mortality costs, stolen or lost pet replacement fees, advertising and reward money for missing pets, boarding kennel fees, and vacation cancellation fees.

However, the Ultimate Plan can be expensive depending on your pet’s details, so it might not be the best choice for pet owners looking for the lowest prices.

  • Deductibles: $100, $250, $500, or $1,000
  • Annual coverage limits: $5,000, $10,000, or unlimited
  • Reimbursement rates: 70%, 80%, or 90%

Learn more: Prudent Pet Insurance Review

Pros & Cons of Prudent Pet Insurance
Pros Includes a 24/7 vet chat with each plan Has a 10% discount for each additional pet on your policy Offers three price options for additional coverage on preventative care Cons Doesn’t have a mobile app Doesn’t allow for customization on coverage caps
Prudent Pet Plans and Coverage

Prudent Pet’s Accident-Only Plan is its cheapest option, featuring a $10,000 annual benefit and coverage for accidents such as bite wounds, broken bones, and swallowed objects.

The Essential Plan includes a $10,000 annual limit and covers the accidents under the Accident-Only Plan, plus cancer, congenital conditions, dental disease, digestive illnesses, eye, ear, or skin conditions, hereditary conditions, and hip dysplasia.

The Ultimate Plan covers everything in the Essential Plan plus extra costs related to lost pet advertising or vacation cancellation fees if your pet is sick or injured. This plan doesn’t have an annual coverage limit.

Note: None of Prudent Pet’s plans cover preexisting conditions.

Prudent Pet also offers two add-ons. Its Veterinary Exam Fee add-on covers veterinary exam fees related to an eligible accident or illness. Its Wellness Coverage add-on covers routine care, such as vaccinations and wellness exams, at $7.95, $13.95, or $19.95 extra per month.

Healthy Paws Best Coverage Limit

Though Healthy Paws doesn’t offer wellness coverage or many customization options, we scored it a 93.5 out of 100 for its affordable unlimited coverage caps. Its policies don’t have any lifetime, annual, or per-incident payout limits, meaning you’ll never run out of coverage. We recommend this provider to pet parents who don’t want to worry about maxing out their coverage or overpaying for a coverage plan.

  • Deductibles: $250 or $500
  • Annual coverage limits: Unlimited
  • Reimbursement rates: 70% or 80%

Learn more: Healthy Paws Pet Insurance Review

Pros & Cons of Healthy Paws Pet Insurance
Pros Has a fast claims process Offers a 30-day money-back guarantee Includes a helpful online quote tool and customer portal for policy management Cons Doesn’t cover exam fees or behavioral therapy Doesn’t offer any discount options
Healthy Paws Plans and Coverage

Healthy Paws has one plan covering accidents and illnesses, such as chronic conditions, congenital conditions, hereditary conditions, broken bones, and cancer. It covers unlimited payouts for vet bills from treatments and procedures, such as diagnostics, surgery, hospitalization, X-rays, blood tests, ultrasounds, emergency care, specialty care, and alternative treatments.

Healthy Paws excludes preexisting conditions that arise before enrollment or during the 15-day waiting period. It also doesn’t cover hip dysplasia until after the first 12 months of your policy. Finally, coverage excludes wellness and routine care, elective procedures, spaying, and neutering.

Figo Best Extra Coverage Add-On

Figo earned a score of 90 out of 100, impressing us with its Extra Care powerup. This add-on covers the costs of unique circumstances such as third-party liability coverage if your pet damages or destroys something outside of your own property, such as chewing or scratching your neighbor’s fence. It also reimburses advertising and reward money for a missing pet, cremation and burial costs, and vacation cancellation fees for a pet emergency.

  • Deductibles: $100, $250, $500, $750
  • Annual coverage limits: $5,000, $10,000, unlimited
  • Reimbursement rates: 70%, 80%, 90%, 100%

Learn more: Figo Pet Insurance Review

Pros & Cons of Figo Pet Insurance
Pros Provides 24/7 access to a live vet Has no upper age limit for coverage Offers a 100% reimbursement option Cons Adjusts deductible options based on your pet’s age Excludes pets younger than 8 weeks from coverage
Figo Plans and Coverage

Figo offers three accident-and-illness plans that only vary in annual limits. The Essential Plan has a $5,000 limit, the Preferred Plan has $10,000, and the Ultimate Plan has unlimited coverage. Figo offers multiple deductible and reimbursement rates, including a 100% option. However, these options vary depending on your pet’s age and breed.

Figo’s accident-and-illness plans cover the diagnosis and treatment of any eligible injury, illness, or condition, including cancer, chronic conditions, hereditary conditions, and emergencies. Figo doesn’t cover preexisting conditions.

The company offers three optional powerups (or add-ons) for additional coverage. Along with the Extra Care powerup mentioned above, it has a wellness powerup for routine care coverage such as bloodwork, vaccinations, and heartworm prevention. It also has a vet exam powerup for vet visits related to diagnosing or treating a covered condition.

Spot Most Customizable Plans

Spot received a score of 91 out of 100 for its customizable and flexible plans, ensuring that pet owners only pay for what their pet needs. In addition to offering five deductibles and three reimbursement percentages, Spot provides six annual limit options of $2,500, $4,000, $5,000, $7,000, $10,000, and unlimited.

We recommend this provider to anyone looking for affordable pet insurance plans, as customers can lower their premium by selecting the lowest annual limit, a 70% reimbursement rate, and the highest annual deductible option.

  • Deductibles: $100, $250, $500, $750, or $1,000
  • Annual coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited
  • Reimbursement rates: 70%, 80%, or 90%

Learn more: Spot Pet Insurance Review

Pros & Cons of Spot Pet Insurance
Pros Includes microchip procedures in standard plans Has a 30-day money-back guarantee Doesn’t have an age limit for older animals Cons Doesn’t have an online chat for customer service Has a 14-day waiting period for accidents and illnesses
Spot Plans and Coverage

Spot offers two plans for coverage on accidents only and both accidents and illnesses.

The Accident-Only Plan covers vet bills related to injuries, swallowed objects, or toxic ingestions.

The Accident-and-Illness Plan covers everything under the accident-only plan, plus hip dysplasia, heart disease, behavioral issues, cancer, diabetes, and respiratory infections. Like all other pet insurance providers, Spot excludes preexisting conditions that arise before enrollment or during the 14-day waiting period.

Spot also offers the Gold Preventative Care Plan at $9.95 per month. This covers up to $250 of basic wellness services per year, including annual exams, vaccinations, and fecal tests.

The Platinum Preventative Care Plan costs $24.95 per month. This package increases per-item limits and expands coverage to heartworm prevention and urinalysis. It raises the total annual benefit to $450.

Fetch Pet Insurance Best Holistic Coverage

Fetch scored a 91.5 out of 100 in our review. We recommend it to pet owners who want extensive coverage on holistic therapies recommended by a licensed veterinarian. Its standard policy covers stem cell therapy, acupuncture, homeotherapy, hydrotherapy, chiropractic care, and up to $1,000 for behavioral therapies for your dog or cat.

  • Deductibles: $250, $300, or $500
  • Annual coverage limits: $5,000, $15,000, or unlimited
  • Reimbursement rates: 70%, 80%, or 90%

Learn more: Fetch Pet Insurance Review

Pros & Cons of Fetch by The Dodo
Pros Offers a website chat for customer service Covers vacation cancellation fees related to your pet’s accident or illness Doesn’t deny coverage for older pets Cons Doesn’t offer a multi-pet discount Doesn’t provide a wellness plan or preventive care add-on
Fetch Pet Insurance Plans and Coverage

Fetch offers one plan for accident-and-illness coverage at $5,000, $15,000, or unlimited maximum payouts per year. It covers cancer treatments, surgeries, rehabilitation, emergency care, hospitalization, and virtual vet visits related to accidents, illnesses, and other conditions such as cancer, hip dysplasia, and chronic conditions.

It doesn’t cover conditions your pet had before or during the 15-day waiting period after you sign up for a policy.

Fetch also includes some extra reimbursements that most providers don’t cover, such as vacation cancellation fees if your plans change due to your pet’s covered condition, boarding fees if you’re in the hospital for more than four days, and advertising and reward money if your pet gets lost.

ASPCA Best for New Pet Owners

Scoring an 89 out of 100, ASPCA Pet Health Insurance offers comprehensive pet insurance policies ideal for new pet owners. The company covers microchip implantation to help return your pet safely if it’s lost. It also offers a vet finder tool that connects you with local vets in your area, extensive resources about various breeds and their health issues, and a pet insurance comparison tool to ensure you get the most out of your policy.

Learn more: ASPCA Pet Insurance Review

Pros & Cons of ASPCA Pet Insurance
Pros Offers an accident-only plan for affordable coverage on injuries and accidents Provides five annual coverage options Doesn’t require medical records from a recent exam Cons Imposes a waiting period of 14 days for accidents, which is longer than some insurers Has per-item limits for each wellness benefit
ASPCA Pet Health Insurance Plans and Coverage

ASPCA Pet Health Insurance offers two plans: the Accident-Only Plan and the Complete Coverage Plan.

The Accident-Only Plan only covers accidents, while the Complete Coverage Plan covers accidents and illnesses.

Both plans pay for treatments, procedures, exam fees, and other costs related to covered conditions up to $10,000 per year. The company doesn’t cover preexisting conditions that occur before or during the policy’s 14-day waiting period.

ASPCA offers two preventive care add-ons at a basic and premium level. The Basic Preventative Plan costs $9.95 per month and includes $250 of annual coverage for routine care costs. The Prime Preventative Plan costs $24.95 per month and covers the items in the Basic Preventative Plan but increases the annual limit to $450 per year. It also covers an additional vaccine, blood work, a health certificate, spay or neutering surgery, flea or heartworm prevention, and urinalysis.

Wagmo Best for Wellness

We scored Wagmo 90 out of 100. This provider stands out as the only company on our list that offers three stand-alone wellness plans. These reimburse you for routine care services such as vaccinations, grooming, blood work, and vet visits. The wellness plan has no deductible or waiting period; coverage begins the day you enroll.

  • Deductibles: $250, $500, $1,000
  • Annual coverage limits: $20,000
  • Reimbursement rates: 90%, 100%
Pros & Cons of Wagmo Pet Insurance
Pros Has no waiting period for wellness plans Offers some of the highest reimbursement rates at 90% and 100% Processes wellness claims within 24 hours Cons Has limited customization options Covers a maximum of $20,000 annually
Wagmo Plans and Coverage

Wagmo provides one accident-and-illness plan and three wellness plans. Its accident-and-illness coverage reimburses diagnostics, hospitalization, surgeries, prescription medications, emergency vet visits, cancer treatments, end-of-life care, and more.

Wagmo will reimburse up to $10,000 per incident, $20,000 annually, and up to $100,000 over your pet’s lifetime. There’s a 15-day waiting period for injuries and illnesses, and a 30-day waiting period for cancer treatments.

Wagmo’s wellness plan is available at three levels: Value ($20 per month), Classic ($36 per month), and Deluxe ($59 per month). Each plan covers vaccinations, blood work, and routine exam fees. However, the Classic adds coverage for urinalysis and parasite prevention, and the Deluxe adds virtual vet visits.

Customer Reviews

We looked at the popular review sites Trustpilot and BBB to see what customers have to say about the providers on our list. We found both positive and negative customer reviews for all companies. Many customers point to claims denials or issues getting help over the phone; others report great service and quick reimbursements.

We looked at each provider’s customer reviews from the past year. Here’s what we found for a few of our top-rated companies.


“I had to take my dog to the vet for what turned out to be gastroenteritis. She just had a consult and was prescribed medication. I submitted my claim online same day. I didn’t haven’t a detailed report from the vet but my claim processor contacted the vet for the additional information needed. I was reimbursed per my policy coverage within 3-4 days. The process was easy and quick.” — Magster J., Sept. 23, 2023, on Trustpilot

“I’ve paid for their insurance for over a year. I filed one claim for my dog’s knee surgery ($5k) and it was denied.” — Vincent J., Sept. 12, 2023, on BBB


“So far I’ve had only good experiences with Spot. My Golden is 12 years old, and Spot has reimbursed all of my claims. From a pure money-for-value perspective, I don’t understand why everybody doesn’t use this insurance. Also, compared to my other insurance companies, their customer service is miles beyond anything I’ve seen before. So nice!” — John S., Sept. 12, 2023, on BBB

“I have been calling to add information about my pet and the phone is disconnected. The claim has been closed. I don’t know how to communicate with them.” — Silvina S., June 28, 2023, on BBB


“I have a multi-pet household and policy for their health needs. A young adopted feral kitty mother (she adopted us) and her three now grown kittens born at home. All had perfect health until this year when our 2 1/2 year old grown kitten developed pancreatitis. Urgent care, emergency hospital, regular vet hospitalization; Embrace was there for all of it. Kitten now recovered and doing well. I thank Embrace every day for that.” — Steven, Sept. 27, 2023, on Trustpilot

“I’ve filed numerous claims and all have been denied. Most recently I was sent an email stating all of the pre-existing conditions. One of which was vomiting and tartar build up. Literally there’s an excuse for everything. I was then provided the terms and conditions again. I would have been better off saving the monthly $70 to put towards my pup’s needs.” — Barbara P., Sept. 19, 2023, on Trustpilot

What Is Pet Insurance?

Before requesting quotes from our top-recommended pet insurers in California, take some time to ensure you understand pet insurance. We explained the basics below and created a helpful video.

How Does Pet Insurance Work?

Most pet insurance companies require you to pay your vet bill out of pocket before leaving the vet office. You then submit a claim with your provider for the bill. Once approved, you’ll receive reimbursement via direct deposit or a mailed check, usually within a of couple weeks. You’ll only receive reimbursement if the vet bill is related to vet treatments your policy covers, so be sure to read the terms carefully before enrolling.

There are a few variables to understand regarding how much you’ll pay, how much you’ll be reimbursed, and when your policy will and won’t help you cover pet insurance costs. Your location, as well as your pet’s breed and age, will determine your monthly premium. You’ll also need to be familiar with these coverage factors to understand how pet insurance works:

  • Annual limit: This is the total amount your pet insurance provider will reimburse per year. For instance, if your annual coverage limit is $5,000 and your pet needs treatment that totals $6,000 for the year, your insurance will only cover the first $5,000 worth of claims. You’ll be responsible for the remaining $1,000 once you’ve hit your limit. 
  • Deductible: This is the amount you have to spend out of pocket before you can file a claim. If you choose a low deductible, such as $250, that’s how much you’ll have to pay before you can begin filing claims for reimbursement. The lower your pet insurance deductible, the higher your monthly premium will be and vice versa.
  • Reimbursement rate: This refers to the percentage of each claim your provider will reimburse you for. Most providers have reimbursement rates ranging from 70%–100%. If you file a claim for a $1,000 vet bill, you’ll only be reimbursed $700 if you have a 70% reimbursement rate. The higher the reimbursement rate, the higher your premium will be.

Types of Pet Insurance Plans

There are three main types of pet insurance plans:

  • Accident-and-illness: Accident-and-illness policies are the most common. These plans cover vet bills related to both accidents and illnesses your pet faces.
  • Accident-only: An accident-only plan is a way to save money on your premium, but you won’t be covered for any illness-related vet treatments. Not all providers offer an accident-only policy.
  • Wellness: Many companies offer wellness plans for preventive care. You can add this to your base plan for an additional monthly fee. Wellness plans cover routine vet care such as checkups, grooming, dental cleanings, vaccinations, and spaying and neutering.

What Does Pet Insurance Cover?

The coverage included with each plan varies by provider, but there are some standard items across companies. Accident coverage usually applies to accident-related vet care, such as the following:

  • CT scans
  • Diagnostic tests
  • Emergency care
  • Hospitalization
  • Labwork 
  • MRIs
  • Prescription medications
  • Surgery
  • Ultrasounds 
  • X-rays

Illness coverage commonly includes vet-recommended care for the following conditions:

  • Cancer
  • Ear infections
  • Eye infections
  • Growths
  • Heart conditions
  • Hip dysplasia
  • Skin issues
  • Stomach conditions
  • UTIs

Wellness plans often cover the following routine and preventive care:

  • Annual checkups
  • Dental cleanings 
  • Grooming
  • Microchipping 
  • Spaying and neutering
  • Vaccinations

What Is Excluded From Pet Insurance Coverage?

There are also common coverage exclusions across providers, such as the following:

  • Issues related to owner negligence: Pet insurance doesn’t cover injuries or illnesses caused by negligence, such as physical violence or organized animal fighting. 
  • Preexisting conditions: Providers won’t cover issues your pet shows symptoms of or receives vet care prior to your policy start date. Some companies will make exceptions if your pet hasn’t shown symptoms or received care for the condition for a certain period of time prior to enrollment, often 12–18 months.
  • Routine wellness care: Accident-and-illness policies are intended to help cover the cost of urgent, unexpected medical issues, not optional routine care you can plan for. You’ll have to purchase a wellness plan if you want preventive care covered by your provider.

How Much Does Pet Insurance Cost in California?

The pricing for pet insurance in California varies depending on you and your pet’s details. Based on our research, a standard accident-and-illness plan costs an average of $20–$60 per month for dog insurance and $10–$30 for cat insurance.

Here are some factors that could affect the cost of your premium:

  • Breed: Your pet’s breed can significantly change the cost of your premium. Some breeds are more expensive to insure than others due to their predisposition to certain illnesses. For example, purebred dogs such as golden retrievers and poodles are more susceptible to infections.
  • Age: Your premium may be lower or higher depending on your pet’s age. Older animals typically cost more to insure since they’re more likely to have health issues. We recommend insuring your pet at an early age to get a lower premium.
  • Location: Plan prices are typically determined based on the estimated vet costs in your area. For example, vets in Los Angeles or San Francisco will likely charge more than vets in smaller towns, such as Eureka or Bakersfield.
  • Discounts: Look for discounts from providers to lower your plan costs. Embrace and Spot offer a 10% discount for adding multiple pets to a policy, and Lemonade offers a 10% discount for bundling your pet insurance with homeowners insurance. Lemonade also offers a discount to customers who pay for their annual policy in full.
  • Customization: Many companies offer ways to customize your premium based on your choice of annual limits, deductibles, and reimbursement rates. Choose a low coverage cap and high annual deductible for the lowest monthly cost. However, keep in mind that your out-of-pocket expenses will be higher if you file a claim.

Cost of Pet Insurance by Breed

Species/BreedAverage Monthly Premium*

French bulldog


German shepherd


Golden retriever


Mixed-breed dog


American shorthair cat


Maine coon


Mixed-breed cat


*Sample quotes are based on Lemonade accident-and-illness plans for 4-year-old male pets in Sacramento, California.

Breeds With the Highest Medical Costs

BreedAverage Vet Bill Cost*

American bulldog


Cane corso


Dogue de Bordeaux


Greater Swiss mountain dog




*Costs are based on the average pet insurance claim amount for each breed.

BreedAverage Vet Bill Cost*



Mixed-breed long hair


Mixed-breed medium-hair




Siberian forest cat


*Costs are based on the average pet insurance claim amount for each breed.

How Much Are Pet Owners Spending?

CityMonthly Premium for Dogs*Monthly Premium for Cats*




Los Angeles






San Diego



San Francisco



San Jose



*These quotes are for 4-year-old, mixed-breed, male pets.

State Availability

Most pet insurers provide coverage in California. Since pet insurance premiums vary by ZIP code, we looked at the average monthly cost of an accident-and-illness plan from our top-rated provider, Lemonade, for some of California’s most popular cities.

CityLemonade Premium*



Los Angeles




San Diego


San Francisco


San Jose


*These quotes are for 4-year-old, mixed-breed, male dogs.

Get sample pet insurance quotes for other areas:

How To Pick the Best Pet Insurance in California

Having any pet insurance plan can be beneficial, but you want to pick the right provider and plan for you and your pet’s needs to get the most value. Here are some tips for choosing the best policy:

  • Determine a plan type: Do you want both accident and illness coverage for your pet? Do you want 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: Read through a provider’s site and sample policy carefully to understand what it does and doesn’t cover. Look at exclusions, fine print, and whether coverage for certain conditions has specific requirements.
  • Look at customer reviews: We recommend looking at sources such as the BBB, Trustpilot, Google, Yelp, and even Reddit to learn about customers’ experiences.
  • Get sample quotes: Always get a sample quote to get a sense of how much you’ll pay. Each provider offers this on their site.
  • Speak to a representative: If you have any questions, don’t hesitate to call a provider’s customer service line to get clarity before moving forward.

Consumer Protection Law for Pet Insurance Buyers in California

California state laws offer protections for pet insurance buyers. If you take a closer look, you can see that California law requires pet insurance companies to disclose several things to potential customers.

Those disclosures include whether or not the policy excludes any coverages, including, but not limited to:

  • Preexisting conditions
  • Hereditary disorders
  • Congenital anomalies or disorders
  • Chronic conditions
  • Any “other” exclusions

The laws also regulate policy provisions that limit coverage through any of the following:

  • Waiting or affiliation period
  • Deductible
  • Coinsurance
  • Policy limits
  • Claim history changes

While we’ve researched the coverages and exclusions of each provider in this review thoroughly, we recommend looking over all coverages, limitations, and exclusions before signing up for a pet insurance policy.

Pet Laws in California

California pet laws are some of the most strict in the United States. Take note of your local pet laws whether you live in San Diego, Sacramento, or somewhere else in the state—especially if you’re planning to adopt or have recently adopted a dog or cat. 

Here are some of the most important pet laws California pet parents should be aware of.

  • Los Angeles: Dog owners in Los Angeles must keep their dogs on a leash no longer than six feet at all times, except when they’re on their own property. Additionally, all dogs older than 4 months must be licensed through the LA County Department of Animal Care and Control. Licenses are valid for one year, and owners are subjected to a $20 penalty if they’re not promptly renewed. (Cat licensing is optional but recommended).
  • Oakland: Pets in Oakland must be microchipped to be licensed, and the microchip must be registered with Oakland Animal Services. If your pet is deemed dangerous or vicious, it will be required to wear a special tag as well as the standard license tag. Licenses are good for one year and expire one year after your pet receives the rabies vaccine. Additionally, all dogs must be securely leashed no further than six feet from their guardian.
  • Sacramento: Pet owners in the city of Sacramento must purchase a license for their dog or cat by the time it’s 4 months old. Dogs and cats will not be licensed without proof of rabies vaccination. You can apply for a pet license by mail, over the phone, in person at Front Street Animal Shelter, or online. Any household within the city limits of Sacramento is limited to having no more than three dogs and seven cats in their care.
  • San Diego: The city of San Diego (as well as the entire state of California) takes dog bites seriously. If your dog bites someone, you must immediately notify the County Department of Animal Services and quarantine your dog at home for 10 days. If you do not keep your dog isolated during this time or if it continues to pose a threat to others, your dog could be impounded or euthanized.

California also has some statewide pet laws. For example, pet owners must give their pets the proper care and attention, providing them with appropriate food, water, shelter, and routine care and keeping their homes clean and safe. 

It’s illegal in California to leave your dog unattended in a motor vehicle in conditions that could endanger its health or well-being (such as heat, cold, or without proper ventilation, food, or water).

Our Conclusion

Lemonade’s pet insurance rates highest on our list. Policies cost below average for most breeds, plans are comprehensive, and accident waiting periods are short. Plus, you can choose from five annual coverage limits.

All providers on our list have something to offer California pet owners, though, so we recommend looking at policy details and customer reviews for each to see which is right for you. We also suggest getting quotes from at least three pet insurance companies to compare pricing before deciding.

Frequently Asked Questions

What does pet insurance in CA cover?

Pet insurance in CA covers vet bills related to unexpected accidents and illnesses that occur to your dog or cat. It typically includes procedures, treatments, diagnostics, exams, prescribed medications, hospitalizations, emergency care, and specialist care. It doesn’t cover pre-existing conditions or symptoms that manifest before enrollment or during the waiting periods for accidents and illnesses.

Is pet insurance in California worth the money?

Pet insurance is a great way to ensure your four-legged friend will get treatment as quickly as possible after an incident without you having to worry about the affordability of the vet bill. Since veterinarians in California can be expensive, purchasing a pet insurance policy can help mediate any excessive out-of-pocket spending.

Who has the cheapest pet insurance in California?

We found that Lemonade consistently offers the cheapest pet insurance plans with higher annual coverage limits, however, pricing for pet insurance is specific to the age and breed of your pet, as well as your location within the state. Spot also sells an inexpensive accident-only plan with highly customizable premiums for the lowest price with minimal coverage.

How much is dog insurance per month in California?

Dog insurance in California is $20-$60 per month based on the average monthly premiums for standard accident and illness plans.

Other California Home Service Resources

Why Trust Us

The This Old House Reviews Team has thoroughly researched the pet insurance industry and available providers. We’ve read sample policies, gone through the claims process, spoken with numerous representatives, read an exhaustive number of customer reviews across different sites, and developed our own methodology for scoring providers based on what customers find the most valuable. We take care in writing our reviews to ensure the most helpful and accurate information for readers. 

Other Pet Resources

Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

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