From San Diego to Sacramento, pet owners across California can enjoy the peace of mind a top-rated pet insurance company can bring for them and their furry friends. A pet insurance policy can ensure that your pet will be treated as quickly as possible after an unexpected injury or illness and prevent you from paying expensive vet bills.
To save our readers time and money, the This Old House Reviews team researched and reviewed the best pet insurance companies in California and found that these providers consistently perform well on important factors such as customer service, coverage, plan options, cost, and company reputation.
7 Best Pet Insurance Providers in California
Here are our top picks for the best pet insurance 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
Lemonade: Best Overall
Scoring a 96 out of 100, Lemonade is our top choice for pet owners looking for the best overall coverage, plan customization, and affordability. Lemonade also has a unique mobile app with AI technology, providing users with one of the fastest claims-filing processes in the industry. With this insurer, you can receive coverage of up to $100,000 per year, added coverage for routine care and wellness, and extra coverage for exam fees and physical therapy.
Lemonade lost points for its C rating from the Better Business Bureau (BBB). However, the lower score is likely from complaints in reference to the company’s homeowners insurance and renters insurance products, rather than its pet insurance policies.
Pros & Cons of Lemonade Pet Insurance
✔ Has a charitable giveback program
✔ Has a short two-day waiting period for accidents
✔ Offers customers a 10% discount for bundling their pet insurance policy with Lemonade home insurance
✘ Doesn’t cover behavioral issues
✘ Customer service can be difficult to reach
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 can include infections, cancer, broken bones, hip dysplasia, heart disease, or general illnesses, but pre-existing conditions, elective procedures, and behavioral treatments are excluded from coverage.
Add-On Coverage: For routine care, such as annual exams, vaccinations, and annual blood work, you can add the preventative care add-on to your policy for $16–$25 per month for dogs and $10–$20 per month for cats.
You can also add coverage for extra costs related to exams or office visits for covered accidents or illnesses, as well as coverage for physical therapy treatments, such as acupuncture or chiropractic care.
Get a Quote: Lemonade Pet Insurance Quote
Learn More: Lemonade Pet Insurance Review
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 customers with 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 plan options, as customers can lower their premium by selecting the lowest annual limit, a 70% reimbursement rate, and the highest annual deductible option.
Pros & Cons of Spot Pet Insurance
✔ Includes microchip procedures in standard plans
✔ Has a 30-day money-back guarantee
✔ Doesn’t have an age limit for older animals
✘ 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 any pre-existing 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, which covers basic wellness coverage, such as annual exams, vaccinations, and fecal tests, for a total benefit of $250 per year.
The Platinum Preventative Care Plan costs $24.95 per month and increases per-item coverage, covers procedures such as heartworm prevention and urinalysis, and raises the total annual benefit to $450.
Get a Quote: Enter your ZIP code and pet’s information on Spot’s website to get a free quote.
Learn More: Spot Pet Insurance Review
Embrace: Best Deductibles
Tying with Healthy Paws, Embrace also scored a 93.5 out of 100 in our review. It stands out for its impressive Healthy Pet Deductible benefit, which credits policyholders in California with $50 towards their deductible each year they don’t file a claim. This means your deductible could be as low as $0 until you claim a payout, saving you money during a covered incident. Embrace also lets you decrease your premium by offering five different deductible options between $200 and $1,000.
Pros & Cons of Embrace Pet Insurance
✔ Has the MyEmbrace mobile app for online policy management
✔ Provides a 10% multi-pet discount for customers with multiple pets
✔ Offers five annual limit options for plan customization
✘ Has limited customer service hours
✘ Has higher prices than competitors for its routine care add-on
Embrace Plans and Coverage
For pet insurance coverage on vet bills, procedures, and treatments related to chronic conditions, cancer, dental trauma, genetic conditions, or broken bones, Embrace offers the Accident and Illness Plan. This plan also covers prescription drugs, exam fees, allergy testing, acupuncture, diagnostics, lab tests, hospitalization, and surgery related to covered incidents.
Embrace also provides an optional Wellness Rewards for Routine Care add-on that gives you a choice of $250, $450, or $650 per year to pay for 100% of the costs related to covered preventative care, such as teeth cleaning, microchip implantation, and medicated shampoos.
Embrace doesn’t cover pre-existing conditions and requires a medical history review from the past 12 months or during the first 14 days of your policy. It also doesn’t cover cosmetic or elective procedures.
Get a Quote: Take advantage of Embrace’s free Healthy Pet Deductible feature or check your quoted premium by visiting the company’s website.
Learn More: Embrace Pet Insurance Review
ASPCA Pet Health Insurance:Best for New Pet Owners
Scoring an 89 out of 100 in our review, ASPCA Pet Health Insurance offers comprehensive pet insurance policies that are a good option for new pet owners. Not only does ASPCA Pet Health Insurance cover microchip implantation to help you keep track of your pet if it gets lost, but the company also offers a vet finder tool that connects you with a local vet 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.
Pros & Cons of ASPCA Pet Insurance
✔ Offers an accident-only plan for affordable coverage on injuries and accidents
✔ Provides five annual coverage options
✔ Covers pets without requiring medical records from a recent exam
✘ Has a waiting period of 14 days for accidents, which is longer than some other 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 depending on how much coverage you choose. They don’t cover pre-existing conditions that occur before or during the policy’s 14-day waiting period.
In addition to a standard pet insurance policy, you can purchase the $9.95-per-month Basic Preventative Plan for $250 of annual coverage on routine care costs like deworming, an annual checkup, two vaccines, and a fecal test.
For extra coverage, you can purchase the $24.95-per-month Prime Preventative Plan for $450 of annual coverage on the items covered in the Basic Preventative Plan plus another vaccine, blood work, a health certificate, spay or neutering, flea or heartworm prevention, and urinalysis.
Get a Quote: Fill out this quick online form to get a free quote from ASPCA Pet Health Insurance.
Learn More: ASPCA Pet Insurance Review
Fetch by The Dodo: Best Holistic Coverage
Fetch scored a 91.5 out of 100 in our review, and we recommend it to pet owners in California who want extensive coverage on holistic therapies recommended by a veterinarian. Its standard policy includes coverage for stem cell therapy, acupuncture, homeotherapy, hydrotherapy, chiropractic care, and up to $1,000 for behavioral therapies for your dog or cat.
Pros & Cons of Fetch by The Dodo
✔ Features 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
✘ Doesn’t offer a multi-pet discount
✘ Doesn’t provide any preventative care or wellness coverage plans
Fetch by The Dodo Plans and Coverage
Fetch offers one plan for coverage on accidents and illnesses 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 like 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 ever in the hospital for more than four days, and advertising and reward money if your pet becomes lost.
Get a Quote: Use Fetch’s easy online quote tool to get a free estimate for your dog or cat.
Learn More: Fetch by The Dodo Review
Healthy Paws: Best Coverage Limit
Although Healthy Paws doesn’t offer much plan customizability or wellness coverage, we scored it a 93.5 out of 100 for its affordable unlimited coverage caps. Policies from this provider come with no lifetime, annual, or per-incident payout limits for claims, which means you’ll never be undercovered during a claim. We recommend this provider to pet parents who don’t want to worry about maxing out their coverage and don’t want to overpay for a coverage plan.
Pros & Cons of Healthy Paws Pet Insurance
✔ Has a fast claims process
✔ Offers a 30-day money-back guarantee
✔ Features a helpful online quote tool and customer portal for policy management
✘ Doesn’t cover exam fees or behavioral therapy
✘ Doesn’t offer any discount options
Healthy Paws Plans and Coverage
Healthy Paws sells only one pet insurance plan for 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.
This plan excludes pre-existing 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 the policy. Coverage also excludes wellness or routine care, elective procedures, spaying, and neutering.
Get a Quote: To get a free quote from Healthy Paws, use this easy quote tool.
Learn More: Healthy Paws Pet Insurance Review
Prudent Pet: Most Comprehensive Plan
Scoring a 95 out of 100, Prudent Pet earned the superlative for ‘Most Comprehensive Plan’ for its impressive Ultimate Plan, which we found to be the most comprehensive plan option on the market. 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.
Pros & Cons of Prudent Pet Insurance
✔ 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
✘ 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 the cheapest option from this provider, 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 includes coverage for the accidents under the Accident-Only Plan, plus coverage for 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 and provides additional coverage for extra costs related to lost pet advertising or vacation cancellation fees if your pet is sick or injured. This plan also doesn’t have an annual coverage limit. Note: None of Prudent Pet’s plans cover pre-existing conditions.
In addition to Prudent Pet’s three plans, the provider offers veterinary exam fee coverage to help with consultation or exam fees related to an eligible accident or illness. Prudent Pet also sells a Wellness Coverage add-on for routine care benefits, such as vaccinations and wellness exams, at $7.95, $13.95, or $19.95 extra per month.
Get a Quote: Check your quoted premium by filling out this form with your ZIP code and pet’s details.
Learn More: Prudent Pet Insurance Review
How Much Is Pet Insurance in California?
The pricing for pet insurance in California varies depending on you and your animal’s details but based on our research, the average monthly premiums for standard accident and illness plans are usually around $20–$60 for dogs and $10–$30 for cats.
Here are some factors that could affect the cost of your premium:
- Breed: The breed of your dog or cat can significantly change the cost of your premium. Some breeds are more expensive than others due to their predisposition to certain illnesses. For example, purebred dogs such as golden retrievers and poodles are more susceptible to infections, making them riskier to insure.
- 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. To mediate this cost, 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. For the lowest monthly costs, choose lower coverage caps and higher annual deductibles. However, keep in mind that this may cost you more in the long run because your out-of-pocket expenses will be higher during a claim.
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 regulates policy provisions that limit coverage through any of the following:
- Waiting or Affiliation Period
- 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.
Frequently Asked Questions
Choosing the best pet insurance company in California can help you get the coverage you need to keep your furry friend healthy and happy.
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.
To share feedback or ask a question about this article, send a note to our Reviews team at email@example.com.