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Best Pet Insurance in California (CA) in 2024

We rated Lemonade as our top pick for pet insurance in California due to its below-average policy costs, comprehensive plans, and short accident waiting periods.

Author Image Written by Brenda Woods Updated 04/30/2024

The Golden State’s sunny weather and many parks make it an ideal home for a pet. If an accident or illness spoils the fun, having a pet insurance policy can help get your pet back in good health without putting a big dent in your wallet.

We recently reviewed the top insurance companies and wellness plans across the country to see how they compare on price, coverage, customer service, and more. We found the following companies to be the best pet insurance options in California, with pet insurer Lemonade being our top pick. 

Key Takeaways

Lemonade, ASPCA, and Pets Best have the cheapest plan pricing on our list. 
California pet insurance plans cost an average of $20– $60 for dogs and $10–$30 for cats. The deductible, reimbursement rate, and coverage limit you choose greatly impact the price. 
Cities such as Los Angeles, Oakland, Sacramento, and San Diego have pet laws and requirements for pet owners to be aware of. 

How Do The Top California Pet Insurance Companies Compare?

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
4.8
$33.69 $13.32 VISIT SITE
4.6
$38.44 $21.53 VISIT SITE
4.5
$20.76 $18.47 VISIT SITE
4.7
$44.83 $24.68 VISIT SITE
4.6
$49.85 $26.55 VISIT SITE
4.7
$44.79 $16.36 VISIT SITE
4.6
$49.85 $26.55 VISIT SITE
4.8
$31.38 $18.23 Visit Site
4.8
N/A N/A Visit Site
4.5
$60.77 $37.93 Visit Site

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

Why Trust Us? Our review and rating process for the best pet insurance companies
22
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
1000
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
3800
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
51
Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

Who Offers the Best Pet Insurance in California?

Lemonade offers the best pet insurance in California, according to our rating scale. Its coverage options are hard to beat for the price. Plus, Lemonade has an AI-powered claim-filing process, so you can handle your pets’ medical bills quickly and easily. Even more convenient is that it’s not just a pet insurance company—you can also get home, renter’s, and auto insurance through Lemonade and bundle your policies at a discounted rate. 

Its many coverage and add-on options make it easy to customize your pet’s policy. Lemonade has one of the cheapest wellness add-ons in the industry, as well as five other add-ons to help you save money on your pet’s care.

Spot: Most Customizable Plans
ASPCA Pet Health Insurance: Best for New Pet Owners
Healthy Paws: Best Coverage Limit
Fetch by The Dodo: Best Holistic Coverage
Figo: Best Extra Coverage Add-On
Pets Best: Best Accident-Only Plan
Prudent Pet: Most Comprehensive Plan
Wagmo: Best for Wellness
Lemonade
Best Overall
Lemonade insurance logo
Lemonade insurance logo
4.8
Monthly Cost
4.5 / 5
4.5 / 5
Company Reputation
4.3 / 5
4.3 / 5
Plan Options
5 / 5
5 / 5
Customer Service
5 / 5
5 / 5
Coverage
4.9 / 5
4.9 / 5
Eligible Species
5 / 5
5 / 5

Pros and Cons of Lemonade

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
Doesn’t cover behavioral issues
Customer service can be difficult to reach
Has a lower BBB rating than many competitors

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.

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%

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.

Spot
Most Customizable Plans
Spot Logo
Spot Logo
4.6
Monthly Cost
4.8 / 5
4.8 / 5
Company Reputation
4.7 / 5
4.7 / 5
Plan Options
4.5 / 5
4.5 / 5
Customer Service
4 / 5
4 / 5
Coverage
4.4 / 5
4.4 / 5
Eligible Species
5 / 5
5 / 5

Pros and Cons of Spot

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
Doesn’t have any add-ons beyond wellness coverage

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%

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.

ASPCA
Best For New Pet Owners
aspca pet health insurance logo
aspca pet health insurance logo
4.5
Monthly Cost
4.3 / 5
4.3 / 5
Company Reputation
4.7 / 5
4.7 / 5
Plan Options
5 / 5
5 / 5
Customer Service
3 / 5
3 / 5
Coverage
4.4 / 5
4.4 / 5
Eligible Species
5 / 5
5 / 5

Pros and Cons of ASPCA

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
Imposes a waiting period of 14 days for accidents, which is longer than some insurers
Has per-item limits for each wellness benefit
Provides only three deductible options

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.

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.

Healthy Paws
Best Coverage Limit
healthy paws pet insurance logo
healthy paws pet insurance logo
4.7
Monthly Cost
4.5 / 5
4.5 / 5
Company Reputation
4.8 / 5
4.8 / 5
Plan Options
4.5 / 5
4.5 / 5
Customer Service
4 / 5
4 / 5
Coverage
5 / 5
5 / 5
Eligible Species
5 / 5
5 / 5

Pros and Cons of Healthy Paws Pet Insurance

Has a fast claims process
Offers a 30-day money-back guarantee
Includes 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
Has a short, 60-day window to file claims

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%

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.

Fetch Pet Insurance
BEST HOLISTIC COVERAGE
Fetch Pet Insurance logo
Fetch Pet Insurance logo
4.6
Monthly Cost
4 / 5
4 / 5
Company Reputation
4.8 / 5
4.8 / 5
Plan Options
4.5 / 5
4.5 / 5
Customer Service
4 / 5
4 / 5
Coverage
5 / 5
5 / 5
Eligible Species
5 / 5
5 / 5

Pros and Cons of Fetch

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
Doesn’t offer a multi-pet discount
Doesn’t provide a wellness plan or preventive care add-on
Has a 15-day waiting period for both accidents and illnesses

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%

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.

Figo
Best Extra Coverage Add-On
Figo Pet Insurance Logo
Figo Pet Insurance Logo
4.7
Monthly Cost
4.1 / 5
4.1 / 5
Company Reputation
4.3 / 5
4.3 / 5
Plan Options
5 / 5
5 / 5
Customer Service
5 / 5
5 / 5
Coverage
4.6 / 5
4.6 / 5
Eligible Species
5 / 5
5 / 5

Pros and Cons of Figo

Provides 24/7 access to a live vet
Has no upper age limit for coverage
Offers a 100% reimbursement option
Adjusts deductible options based on your pet’s age
Excludes pets younger than 8 weeks from coverage
Charges extra for exam fees

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%

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.

Pets Best
Most Affordable Pricing
pets best pet health insurance logo
pets best pet health insurance logo
4.8
Monthly Cost
4.3 / 5
4.3 / 5
Company Reputation
4.8 / 5
4.8 / 5
Plan Options
5 / 5
5 / 5
Customer Service
5 / 5
5 / 5
Coverage
5 / 5
5 / 5
Eligible Species
5 / 5
5 / 5

Pros and Cons of Pets Best

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

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%

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 insurance logo
prudent pet insurance logo
4.8
Monthly Cost
5 / 5
5 / 5
Company Reputation
4.7 / 5
4.7 / 5
Plan Options
4.5 / 5
4.5 / 5
Customer Service
4 / 5
4 / 5
Coverage
4 / 5
4 / 5
Eligible Species
5 / 5
5 / 5

Pros and 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
Has higher pricing than many competitors

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%

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.

Wagmo
Best For Wellness
Wagmo Pet Insurance Logo
Wagmo Pet Insurance Logo
4.5
Monthly Cost
4 / 5
4 / 5
Company Reputation
4.3 / 5
4.3 / 5
Plan Options
4 / 5
4 / 5
Customer Service
5 / 5
5 / 5
Coverage
5 / 5
5 / 5
Eligible Species
5 / 5
5 / 5

Pros and Cons of Wagmo

Has no waiting period for wellness plans
Offers some of the highest reimbursement rates at 90% and 100%
Processes wellness claims within 24 hours
Has limited customization options
Covers a maximum of $20,000 annually

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%

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.

Lemonade Best Overall
4.8

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 Best Accident-Only Plan
4.8

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
4.8

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
4.7

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
4.7

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
4.6

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
4.6

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
4.5

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
4.5

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.


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:

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.

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.

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.

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.

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

$76.08

German shepherd

$51.42

Golden retriever

$45.42

Mixed-breed dog

$31.83

American shorthair cat

$19.33

Maine coon

$22.58

Mixed-breed cat

$19.00

*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

$376

Cane corso

$386

Dogue de Bordeaux

$395

Greater Swiss mountain dog

$425

Rottweiler

$401

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

BreedAverage Vet Bill Cost*

Bengal

$404

Mixed-breed long hair

$397

Mixed-breed medium-hair

$403

Ragdoll

$381

Siberian forest cat

$457

*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*

Fresno

$30.83

$18.42

Los Angeles

$40.75

$24.17

Sacramento

$29.00

$19.00

San Diego

$36.00

$21.42

San Francisco

$41.42

$24.58

San Jose

$29.00

$17.33

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


How Can You 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.