If you're a California pet parent, then you know that medical care for our furry friends can be pretty expensive, but it doesn't have to be. And with some 40.1% of California residents being pet parents, finding the best pet insurance in California has never been easier.
Whether you're looking for comprehensive coverage for your cat or dog, or just basic coverage for your exotic pet, we've got you covered. We'll cover the average cost of pet insurance in California, and show you how to get free pet insurance quotes online.
1. Metlife Pet Insurance | Best Pet Insurance Company Overall
Metlife Pet Insurance offers a balanced approach to pet health coverage, combining straightforward plan options with a strong reputation for timely claim payouts. Pet owners often appreciate its customizable coverage levels, which allow them to include wellness care or specialized treatments, depending on their animal’s needs. From covering accidents and illnesses to offering add-ons for routine visits, Metlife positions itself as the gold standard of Pet Insurance. A reliable choice for pet owners who value comprehensive protection and minimal hassle.
2. Lemonade Pet Insurance | Best Multi-Pet Insurance Company
Lemonade Pet Insurance is known for its tech-forward approach, offering an easy-to-use mobile app that streamlines the sign-up and claims process. This digital convenience appeals to Californians who want quick solutions without extensive paperwork. While Lemonade focuses on affordability and user-friendliness, it also provides coverage for accidents and illnesses, giving policyholders a sense of security when unexpected vet bills arise.
3. Spot Pet Insurance | Best Budget Friendly Pet Insurance Company
Spot Pet Insurance appeals to pet parents looking for flexible plans that allow them to choose their own deductibles, reimbursement rates, and annual limits. Its coverage typically spans accidents, illnesses, and hereditary conditions, offering thorough safeguards for pets of all breeds and ages. The convenience of adjustable plan options makes Spot an attractive choice for those who want to fine-tune costs according to their specific financial and medical priorities.
4. ASPCA Pet Insurance | Best Comprehensive Pet Insurance Company
Backed by the well-known animal welfare organization, ASPCA Pet Insurance offers accident-and-illness coverage with the option to add routine care. Policyholders often note the reassuring brand heritage that comes with ASPCA, along with a network that can easily handle nationwide vet visits. This combination of solid coverage and meaningful brand association can be especially appealing for pet lovers seeking a mission-driven insurer.
5. Healthy Paws | Best Unlimited Coverage Pet Insurance Company
Healthy Paws is the top choice for unlimited payout coverage, ensuring pet owners never face caps on annual or lifetime claims. Unlike many competitors, Healthy Paws offers a single, straightforward plan that covers accidents, illnesses, hereditary conditions, and alternative treatments like acupuncture and chiropractic care.With fast claims processing—often within two days—and no per-condition limits, pet parents can access unrestricted financial support for their pet’s medical needs.
6. Pumpkin | Best High Reimbursement Pet Insurance Company
Pumpkin Pet Insurance stands out with its standard 90% reimbursement rate on all plans, ensuring pet owners get maximum coverage for veterinary expenses. With no upper age limits and customizable coverage options, Pumpkin provides comprehensive protection for pets of all ages. While it lacks a direct vet pay option, its robust coverage and high payout percentage make it a top choice for pet owners seeking financial security. With the convenience of online tools and a growing presence in California, Pumpkin is positioning itself as an accessible, user-friendly option for responsible pet parents.
7. Embrace Pet Insurance | Best Holistic Pet Insurance Company
Embrace is a fan favorite on Reddit. Embrace Pet Insurance focuses on personalizing its plans to fit varying budgets and pet care needs. The company’s Wellness Rewards program is a popular feature that can help offset the costs of vaccinations, grooming, and other preventative services. By blending accident-and-illness coverage with optional routine care, Embrace caters to proactive pet owners seeking a holistic approach to their animals’ well-being. Additionally, Embrace also covers alternative therapies, cancer treatments, emergency care, surgery, diagnostic procedures, physical therapy, and more.
8. Nationwide Pet Insurance | Best Exotic Pet Insurance Company
Nationwide is a recognizable name for many types of insurance, and its pet policies reflect the brand’s longevity and comprehensive approach. From covering everyday illnesses to providing a wide scope of exotic pet coverage, Nationwide remains a dependable option for a diverse group of pet owners. The brand’s experience in insurance as a whole can also be reassuring, especially if you prefer having all your policies under one trusted company.
9. Trupanion Pet Insurance | Best Direct-to-Vet Payment Pet Insurance Company
Trupanion stands out for its direct vet payment feature and a reputation for extensive coverage of hereditary and congenital conditions. This direct-to-vet approach can save you from hefty out-of-pocket payments at the time of treatment. Trupanion’s singular comprehensive plan provides a sense of clarity—rather than choosing among multiple tiers, pet owners can trust that most of the essentials will be included.
10. Pets Best Pet Insurance | Best Tech-Driven Pet Insurance Company
Pets Best Pet Insurance is recognized for its quick claim processing and a range of deductible and reimbursement choices. They also provide coverage for exam fees, which can be a game-changer for Californians who visit the vet frequently. Pets Best focuses on being straightforward and user-friendly, which can simplify insurance for first-time buyers or those who prefer clear-cut policies without hidden surprises.
11. Hartville Pet Insurance | Best Accident Only Pet Insurance Company
Hartville Pet Insurance’s accident-only plan offers affordable coverage for unexpected injuries, such as broken bones, bite wounds, or accidental ingestion of harmful substances. Ideal for budget-conscious pet owners, this plan excludes illness-related expenses but provides essential protection against emergency vet bills. Hartville simplifies the claims process with an intuitive online portal and mobile app, ensuring quick reimbursements and hassle-free service, making it a standout choice for accident-only pet insurance.
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Comparing The Top Best Pet Insurance Providers In California
We've outlined the top best pet insurance providers in California for 2025 below, along with their strengths and weaknesses:
Comparison of Coverage Options and Benefits
Company | Best For | Coverage Highlight | Deductibles | Reimbursements | Annual Limits | Available Discounts |
|---|---|---|---|---|---|---|
MetLife | Short Waiting Periods | 24/7 Telehealth & Expedited Claims Processing | $0–$500 | 70%, 80%, 90%, or 100% | $5,000–Unlimited |
|
Spot | Unlimited Coverage | No co-payment & New Coverage for Microchipping | $100 - $1,000 | 70%, 80%, 90% | $2,500–$20,000 or Unlimited | Multi-pet discount |
Healthy Paws |
|
| $100, $200, $500 | 70%, 80%, 90%, or 100% (for younger pets) | Unlimited | N/A |
Pumpkin |
|
|
| 90% |
| Multi-pet discount |
ASPCA | Hereditary Conditions | Covers stem cell therapy & includes optional vet exam fee coverage | $100–$500 | 70%, 80%, 90% | $3,000–$10,000 | Multi-pet discount, employee discount |
What Is The Average Cost Of Pet Insurance For Multiple Pets Per Month?
The average cost of pet insurance for multiple pets is $77 per month or about $922 per year. These rates include the industry average 10% multi-pet discount. However, keep in mind that when it comes to insuring multiple pets, the cost of insurance can vary and premiums can range between $59/month to $112/month depending on certain factors. Understanding these factors can help us estimate the expenses involved in getting coverage for our furry companions.
How Much Is Pet Insurance For Multiple Cats Per Month?
$53 per month is the average cost of pet insurance for multiple cats which is around $639 per year. This rate includes the average ten percent multi-pet discount as well. By now, it's probably easy to see that cats often secure lower insurance rates than their canine counterparts.
How Much Is Pet Insurance For Multiple Dogs Per Month?
Pet insurance for multiple dogs costs around $106 per month or just around $1,272 per year. Now, if you're wondering why dogs pay more per month in monthly premiums it has everything to do with overall health and life expectancy.
Factors That Determine California Pet Insurance Costs
The cost of a pet insurance policy in CA is determined by factors like your pet's age and breed and where they live, and whether the pet insurance company you chose gives policy discounts.
Types of Pet Insurance Plans Available In California
The three most common pet insurance policies in California are outlined below:
Accident And Illness Pet Insurance Plan
Accident And Illness coverage is the most popular pet insurance plan (and most common) coverage offered by insurance companies for pet owners. Individual companies will differ in what is covered. Still, these plans generally cover accidents, emergency treatment, surgery, hospitalization, cancer, allergies, diabetes, foreign body ingestion, and other factors.
Accident Only Coverage
Accident-only pet insurance coverage will cover injuries caused by unexpected events and crises such as culinary mishaps, broken bones, and bite wounds. Premium costs are lower because these plans do not cover sicknesses or hereditary or congenital conditions.
Wellness And Routine Care Plans
Even though wellness and maintenance plans are not considered pet insurance, more technology-focused insurance companies are beginning to include them as a built-in benefit. This is fantastic news because until recently, just a few firms in the United States offered these benefits, but for an additional cost. However, keep in mind that each company's policy benefits may vary, so studying your policy perks before purchasing one is critical.
Key Considerations For Pet Insurance Coverage In CA
What Does Pet Insurance Cover In California?
As a pet parent, it's essential to know what's covered in your pet's insurance policy. Below are the things traditionally covered in an Accident & Illness pet insurance policy:
You're covered if your pet needs treatment for any accident or sickness, and it isn't a pre-existing condition. It's that easy.
What Does Pet Insurance Not Cover In California?
California pet insurance plans do not cover pre-existing conditions, behavioral disorders, exam costs, preventative care of your pet, or dental cleanings. Depending on the company, they may or may not cover hip dysplasia in the first year.
However, as we saw above, any of the best pet insurance providers can offer preventative and wellness treatments at an extra charge or include them as bonus benefits in your policy.
Best Pet Insurance Company By Pet Age
Best Pet Insurance for Younger Animals In CA
Younger pets benefit from lower premiums and comprehensive coverage. The best policies offer accident, illness, and wellness coverage, ensuring early protection. Companies like Healthy Paws and Spot provide affordable rates and extensive benefits for puppies and kittens.
Best Pet Insurance in California for Older Animals
Older pets require coverage for chronic conditions and pre-existing illnesses. The best insurance options include plans with no upper age limits, such as Embrace and ASPCA. These policies help cover long-term medical expenses while ensuring financial protection against rising veterinary costs.
THE SIMPLY INSURANCE WAY
Pet Insurance made easy!
Agents Available To Assist
Get quotes and sign up online or get help from a licensed agent, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get pet insurance within minutes of getting your quotes and applying.
Can You Get Cheap Pet Insurance In California Fast?
Yes! In fact, at Simply Insurance, you can get cheap pet insurance in California fast by comparing quotes online from multiple companies to get your furbaby or furbabies insured right now. Click on any of the above or below buttons to get started.
Who Offers Cheap Pet Insurance In California For Young Dogs?
Young dogs qualify for lower premiums and broad coverage. The best budget-friendly options include Lemonade and Figo, which offer accident and illness coverage with wellness add-ons at competitive rates.
Who Has Cheap Pet Insurance In California for Older Dogs?
Older dogs face higher premiums, but affordable plans exist. Providers like Embrace and ASPCA offer customizable deductibles and coverage for chronic conditions, keeping costs manageable.
Where Can I Get Cheap Pet Insurance In California For Young Cats?
Kittens benefit from low-cost insurance with preventive care options. Lemonade and Spot provide affordable accident and illness plans tailored for young cats, ensuring early protection.
Is There Cheap Pet Insurance In California For Older Cats?
Older cats require cost-effective policies with coverage for hereditary conditions. ASPCA and Embrace offer reasonable rates with flexible reimbursement options, helping manage veterinary expenses.
Best Pet Insurance In California By Animal Type
Best Pet Insurance In California For Dogs
The top pet insurance plans prioritize breed-specific health issues, accident-and-illness coverage, and strong customer support to help dog owners manage costly vet bills. They also offer preventative care and behavioral therapy options for added protection.
Top 2 Pet Insurance Providers:
Best Pet insurance in California for Cats
The best pet insurance plans cover both emergency medical care and routine feline health needs, including dental care and preventive exams. Providers tailor policies to address common cat health issues like urinary problems and dental disease, ensuring long-term protection.
Top 2 Pet Insurance Providers:
Best Pet insurance in California for Exotic Animals and Pets
Best Pet Insurance in California for Exotic Animals and Pets caters to pet owners with birds, reptiles, rabbits, and other non-traditional companions, ensuring they receive the same level of care as dogs and cats.
Since exotic pets often require specialized veterinary care, the top providers offer coverage for unique medical needs, including emergency treatments, diagnostic tests, and even alternative therapies. Finding pet insurance for exotic animals in California requires specialized coverage. Some of the best providers include:
Top Pet Insurance Providers:
Best Top Alternative To Pet Insurance In California
While it's not pet insurance, Pawp is a secure approach to keep dogs healthy and avoid them from being in hazardous situations. The company is governed by membership models where subscribers pay monthly fees. They also offer an intelligent 24/7 digital health platform with unlimited video chats and messages for a single, flat subscription price.
Best Pet Insurance in California Reviews – Reddit Insights
Reddit serves as a valuable resource for real, unfiltered pet insurance experiences from California pet owners. Users frequently discuss claims processing speed, hidden fees, and customer service quality, making it a go-to platform for those seeking honest reviews. Discussions highlight that while MetLife is widely praised for its fast reimbursements and comprehensive coverage, other providers like Spot and Healthy Paws receive positive mentions for their flexibility and unlimited claim options.
Best Pet Insurance in California for Dogs – Reddit Recommendations
When it comes to insuring dogs, MetLife, Healthy Paws, and Trupanion frequently receive top recommendations on Reddit for their broad accident-and-illness coverage, breed-specific condition protection, and straightforward claims process. Many dog owners prefer MetLife for its ability to cover hereditary conditions and its competitive pricing, while Healthy Paws is often praised for its unlimited benefits. Some users also point out that ASPCA and Spot provide solid options for multi-pet discounts, making them attractive for households with multiple dogs. Overall, Reddit users emphasize reading policy exclusions carefully and considering factors like deductible flexibility and reimbursement rates before making a decision.
Average Veterinary Costs In California
Most pet insurance providers give you the option to pay in advance and then get reimbursed the difference. However, a few are working to be able to pay the pet owners' vet directly.
What's The Average Vet Cost For Owning a Dog In California?
According to the ASPCA, the first year's vet bills and expenses for a dog can range from $2,000 or more. When budgeting for a pet, it's essential to take into account your vet bill, expenses, as well as insurance.
What's the Average Vet Cost for Owning a Cat in California?
The average annual vet cost for a cat in California ranges from $200 to $800, with first-year expenses averaging $1,174, including vaccinations, exams, and preventive care.
What's the Average Vet Cost for Owning an Exotic Pet in California?
Exotic pet vet costs vary widely, typically ranging from $300 to $1,500+ annually, depending on the species, specialized care, and medical needs.
Is Pet Insurance Required By Law In California?
Pets are not required by law to have pet insurance in California. However, we always recommend obtaining pet insurance because it may help you save money on unanticipated veterinary expenses. And, since 95% of pet owners consider their dogs part of the family, having insurance gives you peace of mind knowing that your dog will be cared for if something happens.
Tips for Finding the Best Pet Insurance in California
Look for Plans With a 24/7 Vet Helpline
A 24/7 vet helpline provides instant access to professional advice, helping pet owners handle emergencies and minor health concerns anytime.
Check Whether the Company Can Pay the Vet Directly
Some insurers offer direct vet payments, reducing out-of-pocket costs and making it easier to afford expensive treatments.
Look for Multi-Pet Discounts
Many providers offer discounts for insuring multiple pets, making coverage more affordable for households with more than one animal.
Check for the Option to Add a Wellness Plan
Wellness plans cover routine care like vaccinations and dental cleanings, helping pet owners manage preventive healthcare costs.
Find Out the Waiting Periods for Coverage to Begin
Waiting periods vary by insurer and can range from a few days to several weeks, so check how soon coverage starts after enrollment.
Look at Whether Vet Exam Fees Are Covered
Some plans exclude vet exam fees from reimbursements, so choosing a policy that covers them can save money on routine and emergency visits.
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How To Get Free Pet Insurance Quotes In California?
Click on any of the above buttons to get free pet insurance quotes in CA, and compare plans today to find the best plan in California for your furbabies today.
Frequently Asked Questions About Pet Insurance California
Is pet insurance worth it in California? Does pet insurance work?
Yes, pet health insurance is worth it in California. Pet insurance can cover accidents, illnesses, surgeries, and hospitalizations, depending on the policy. This can be a great way to financially protect yourself and your pet in case of unexpected medical expenses.
How much is dog insurance a month in California?
The average monthly cost of dog insurance in California is around $61 per month. However, your dog's premiums will be determined by many factors, such as their age, policy benefits, and the number of pets you are covering.
Do all pet insurance companies offer the same coverage in CA?
No, not all pet insurance companies offer the same coverage in California. It's essential to read the terms and conditions of any policy before signing up to make sure you're aware of what is and isn't covered. Especially if you have a pet with pre-existing medical conditions.
How much is cat insurance a month in California?
The average monthly cost of cat insurance in California is around $32 per month. However, your cat's premiums will be determined by their age, policy benefits (such as preventative care), and the number of pets you are covering.
Is pet insurance more expensive in California?
Yes, pet insurance tends to be more expensive in California due to higher veterinary costs, increased living expenses, and regional factors like a higher prevalence of pet-related medical conditions (e.g., allergies or joint issues due to climate and urban environments). Additionally, California has a high cost of emergency pet care, which influences premium pricing across insurers.
What is the cheapest pet insurance in California?
The cheapest pet insurance in California varies depending on the pet’s age, breed, and coverage needs, but Spot and Hartville consistently rank among the most affordable options. They offer low monthly premiums, flexible deductibles, and adjustable reimbursement rates, making them ideal choices for budget-conscious pet owners. However, for those seeking a balance of affordability and coverage, MetLife remains a strong contender due to its competitive pricing and generous benefits.