The Best Pet Insurance in California for 2024

Are you a pet owner in California looking for the best pet insurance? With many options out there, picking the right plan can seem hard. But don’t worry, we’ve done deep research to find the top pet insurance providers in California. Each one offers special benefits to make sure your pet gets the care they need.

We looked at many factors like coverage, cost, and customer happiness. Whether your pet is playful or curious, our research will guide you. It will help you pick the best pet insurance in California for 2024.

Key Takeaways

• Lemonade is our top pick for affordable and customizable pet insurance plans in California.
• MetLife offers the most comprehensive coverage for a range of pet health treatments.
• ASPCA is an excellent choice for insuring senior pets, with policies tailored to their unique needs.
• Spot provides the most customizable coverage options, allowing you to build a plan that fits your pet’s and your budget.
• Fetch stands out for its comprehensive coverage, ensuring your pet receives the care they need.

Introduction

As a pet owner in California, you know vet bills can add up fast. The average monthly cost to insure a pet here is $56, which is almost 22% higher than the national average of $46. This shows why pet insurance in California is so important. Medical costs for pets can be much higher here than in other states.

We’ve looked into the pet insurance options in California to help you. We’ve found the top pet insurance companies in the state. They offer a variety of plans to fit the unique needs of California pet owners.

Overview of the Best Pet Insurance Providers in California

Whether you have a dog or a cat, California has many best pet insurance options. Companies like Lemonade and Healthy Paws, and new ones like Figo and Embrace, offer different choices. We’ve researched to help you find the best pet insurance in California for your budget and needs.

Provider	Pros	Cons
Lemonade	Comprehensive coverage, affordable rates	Limited customer support hours
Healthy Paws	Most affordable unlimited coverage	No wellness plan options
Figo	Flexible reimbursement rates, customizable plans	Mixed customer reviews

Understanding the importance of pet insurance in California and checking out the top pet insurance companies helps you make a smart choice. This way, your furry friend gets the care they need, even when unexpected vet bills come up.

Lemonade: Our Top Pick

Lemonade is known for its low prices, easy-to-use online platform, and flexible extra options. It’s our top choice for pet insurance in California. They offer a plan that covers vet bills for accidents and illnesses. This includes tests, treatments, and medicines for your pet.

Key Features of Lemonade Pet Insurance

• Lemonade is available in 37 U.S. states and Washington D.C., offering pet insurance policies.
• The company started in 2015 and now provides health, auto, home, and life insurance for pets.
• On average, Lemonade’s monthly premium is $41, which is about 7% less than the national average for pet insurance.
• They collected quotes from 713 profiles for pet insurance, with an average cost of $52 for dogs and $29 for cats.
• Lemonade has three preventive care plans, priced from $12 to $41 a month. You can add extra services like vet visits, physical therapy, and dental care.
• You can choose deductibles from $100 to $750, with higher deductibles meaning lower monthly costs.
• The amount you get back depends on your pet’s profile and the extra services you choose.

Pros and Cons of Lemonade

Lemonade’s pet insurance has many good points, but also some downsides:

• Pros:
  • It’s affordable, costing about $52 a month for dogs and $29 for cats.
  • You can pick extra services to fit your pet’s needs.
  • They have a simple online system and an app for managing your policy.
  • MarketWatch Guides gave it a 4.8 out of 5 stars, making it the cheapest for dogs.
• Cons:
  • It doesn’t cover pets over 14 years old in California.
  • The basic plan doesn’t cover behavioral issues, unlike many other providers.

“Lemonade has earned 4.9 stars in the App store, making it a top-rated insurance provider for cats and dogs.”

MetLife: Most Covered Treatments

MetLife is a top choice for pet insurance in California. It offers a wide range of treatments, including holistic and alternative care. There’s no wait for accident coverage. You can also customize your policy to fit your needs.

MetLife’s decreasing deductible is a unique feature. If you don’t claim in a year, your deductible goes down the next year. This makes it easier to get reimbursed for your pet’s care. Plus, you can cover up to three pets with one policy, which is great for families with multiple pets.

Covered Treatments	Sample Claim Amounts
Diagnostic tests X-rays and ultrasounds Hospitalization Emergency care Surgery Accidents and illnesses Holistic care (e.g., acupuncture, chiropractic) Special diet pet foods Preventive care (optional add-on)	$8,200 for a hospitalization due to a femur fracture in a small cat in San Jose $5,600 for surgery to remove a dermal cyst from a medium-sized dog in Encinitas $900 for the treatment of environmental allergies in a Siberian husky in Sacramento

MetLife Pet Insurance is a great choice for pet owners in California. It offers a lot of coverage and lets you customize your plan. Whether you have a dog, cat, or another pet, MetLife has you covered.

ASPCA Pet Health Insurance: Our Pick for Older Pets

If you live in California and have a senior pet, ASPCA Pet Health Insurance is a great choice. They offer generous coverage and various plan options. This includes an accident-only policy for older pets with fewer health issues.

ASPCA covers many treatments, like tests, procedures, prescription food, and even end-of-life costs. This is very helpful for senior pets, who often need more vet visits and special treatments.

Why ASPCA is a Great Option for Senior Pets

ASPCA Pet Health Insurance is a top pick for older pets in California for several reasons:

• 30-day money-back guarantee – You can try the coverage without a long-term commitment.
• 10% multi-pet discount – Save money on each extra pet you add, great for homes with many senior pets.
• Reimbursements up to 90% – You can get back a big part of your senior pet’s eligible medical costs.
• Accident-only plan available – This plan is more budget-friendly for older pets with fewer health issues.

With ASPCA’s flexible plans and wide coverage, you can make sure your senior pet gets the care they need. Even as their vet bills go up with age.

Coverage	Benefits
Accidents, Illnesses, and Hereditary Conditions	Comprehensive plan covers a wide range of medical needs, from diagnostics to treatments.
Preventive Care	Cash back for routine services like annual check-ups, vaccines, and screenings.
Multiple Pet Discount	10% discount on the base plan premium for each additional pet insured.

“ASPCA Pet Health Insurance has been a lifesaver for my senior pup. The coverage has allowed me to provide the best care without worrying about the financial burden.”

If you’re looking for a reliable and comprehensive pet insurance option for your older pet in California, ASPCA Pet Health Insurance is definitely worth considering.

Embrace: Our Pick for Savings

If you’re a California pet owner wanting to save on pet insurance without losing coverage, Embrace Pet Insurance could be your best choice. It costs an average of $48 a month for dogs and $36 for cats. Embrace is one of the most budget-friendly options in California. But don’t think the low cost means it skimps on coverage. You can choose from plans with annual limits from $5,000 to $30,000 to find the right balance of coverage and cost.

Embrace stands out by helping pet owners save without cutting corners on their pets’ care. It covers many conditions and treatments, like skin issues, arthritis, diabetes, seizures, kidney failure, and more. In fact, over 90% of Embrace customers feel their pet’s life was extended with this insurance.

Condition	Vet Bill
French Bulldog Paralyzed By Fibrocartilaginous Embolism	$23,214.47
Dachshund/Chihuahua Mix with Diabetes and Cushing’s Disease	$17,945.14
Madison’s Story	$15,374.00
Rocky Mountain Spotted Fever in Cocker Spaniel	$15,232.76
Rawley’s Story from Davisburg, MI	$13,722.28
Heimdall’s Story with Bacterial Pneumonia	$13,137.03

With Embrace, you can tailor your policy to your budget and your pet’s needs. Choose from various annual limits, deductibles, and reimbursement percentages. Plus, Embrace offers 24/7 telehealth support, quick claims processing, and Wellness Rewards for routine care. This ensures your pet gets the care they need without draining your wallet.

If you want to embrace pet insurance california and cut costs, Embrace is your go-to. It’s affordable, customizable, and offers comprehensive coverage. Start your embrace pet insurance savings journey today and get a quote from Embrace.

Pets Best: Our Pick for Vet-Direct Pay

Pets Best is our top pick for pet insurance in California because of its vet-direct pay feature. This feature lets you skip the wait for claim reimbursement. Your veterinarian bills get paid directly by the insurance company. This is a big help when your pet needs quick medical care, removing financial barriers to care.

The Advantages of Vet-Direct Pay

The Pets Best pet insurance offers many benefits with its vet-direct pay:

• It cuts out the need to pay upfront and wait for reimbursement, easing financial stress in emergencies.
• Your pet gets the treatment they need right away since the insurer pays the vet directly.
• It gives you peace of mind, knowing your pet’s bills are handled quickly and efficiently.
• You can focus on your pet’s recovery without dealing with complicated claims.

Pets Best got a 4.8 out of 5-star rating, making it our top choice for vet-direct pay. It has flexible coverage, customizable deductibles, and reimbursement rates up to 90%. This makes it a great way to protect your furry friends in California.

“The vet-direct pay feature from Pets Best was a lifesaver when my dog needed emergency surgery. I didn’t have to worry about the financial burden, and the veterinarian was able to focus on providing the best possible care.”

Figo: Most Flexible Reimbursement Rates

Finding the right pet insurance in California means looking for flexibility. Figo is a top choice because it offers flexible reimbursement rates from 70% to 100%. This lets pet owners adjust their coverage to fit their budget and their pet’s needs.

Figo’s pet insurance plans stand out by covering alternative and holistic treatments. In California, pet owners often look for more health options for their pets. Figo’s wide coverage makes it a great choice for pet insurance in the state.

Customizing Your Reimbursement Rate with Figo

Being able to adjust your reimbursement rate is a big plus with Figo’s pet insurance. You can pick from 70% to 100% reimbursement. This way, you pay only for what you need and keep your pet well-protected.

Reimbursement Rate	Average Monthly Cost for Dogs	Average Monthly Cost for Cats
70%	$45	$25
80%	$50	$30
90%	$55	$35
100%	$60	$40

With Figo, pet owners in California can customize their insurance to fit their needs and budget. Whether you have a dog or a cat, Figo’s flexible rates help you find the best protection and savings.

Spot: Most Customizable Coverage

If you’re a pet owner in California searching for a customizable pet insurance plan, Spot is a great option. Spot offers many coverage options. This lets you tailor your policy to fit your needs and budget.

Spot’s accident and illness policy covers vet fees, behavioral consults, dental illness treatments, and even acupuncture. They stand out by covering some pre-existing conditions that have been symptom-free for at least 180 days. This gives more protection for your furry friend.

With Spot, you can pick from different deductible options, from $100 to $1,000. You can also choose reimbursement rates of 70%, 80%, or 90%. The annual coverage limits range from $2,500 to unlimited. This customization ensures you can find a plan that matches your budget and your pet’s needs.

Coverage Details	Spot Pet Insurance
Average Price for Dogs	$29 per month
Average Price for Cats	$29 per month
Deductible Options	$100, $250, $500, $750, or $1,000
Reimbursement Rates	70%, 80%, or 90%
Annual Coverage Limits	$2,500, $3,000, $4,000, $5,000, $7,000, or Unlimited
Waiting Period for Accidents	14 days
Waiting Period for Illnesses	14 days
Waiting Period for Wellness	0 days
Waiting Period for Orthopedic Conditions	14 days
Claim Expiration	270 days from the date of treatment
Minimum Age at Enrollment	8 weeks old
Residency Requirement	Insured pets must reside with you at your primary address in the United States or Canada
Multi-Pet Discount	10% off premium rate for each additional pet insured

Spot’s customization and coverage options make it a top choice for California pet owners. Whether you need accident-only coverage or a full plan, Spot’s spot-on options are worth looking into.

Fetch: Our Pick for Comprehensive Coverage

Fetch, formerly Petplan, is our top choice for pet insurance in California. It offers a wide range of treatments, from tests and surgeries to alternative therapies and end-of-life care. Pet owners can pick from annual limits of $5,000 to $15,000, fitting their needs and budget.

The Comprehensive Coverage Offered by Fetch

Fetch’s pet insurance plans offer the most coverage in the industry. Here’s what you get with Fetch’s comprehensive coverage:

• Coverage for injury and disease in every adult tooth, not just canines
• Hereditary condition coverage linked to breed, which not all providers offer
• Up to $1,000 per year for virtual vet visits
• Coverage for holistic treatments, such as acupuncture and chiropractic care
• Reimbursement rates of 70%, 80%, or 90% after meeting the deductible
• Deductibles ranging from $250 to $2,500 annually
• Unlimited annual benefit options for the highest coverage limit per year

Fetch is rated “Excellent” on Trustpilot and has high ratings in the App Store and Google Play as of July 2023. Vets like Dr. Aliya McCullough and Dr. Audrey Ruple endorse and recommend Fetch.

“Fetch offers the most extensive coverage as per Digg in January 2024, with up to 60% savings on pet medications compared to other providers.”

Fetch’s comprehensive coverage and great reviews make it our top choice for pet insurance in California. Whether your pet is a puppy, kitten, or senior, Fetch’s plans can protect them.

Healthy Paws: Most Affordable Unlimited Coverage

If you’re looking for affordable pet insurance in California, Healthy Paws is a great choice. It costs about $34 a month. This gives pet owners peace of mind with unlimited coverage for their pets each year.

Healthy Paws has been the top-rated pet health insurance for 7 years. It covers many treatments, including alternative therapies and prescription drugs. This makes it a good choice for pet owners who want lots of protection but don’t want to spend a lot.

Over 625,000 pet parents trust Healthy Paws, and most claims are handled in just 2 days. There are no limits on how much you can claim, making it a reliable option for California pet owners.

The cost of Healthy Paws insurance depends on your pet’s age, where you live, and its breed. But, the coverage is very comprehensive. It doesn’t cover wellness and preventative care. However, it does cover unexpected vet bills, so you’re protected when your pet needs it most.

Customers love Healthy Paws for its fast claim handling and help with big vet bills. You can take your pet to any licensed vet in the U.S. or Canada, including specialists and emergency clinics. This means you don’t have to worry about the cost of care for your pet.

Looking for healthy paws pet insurance california that’s affordable and covers a lot? Healthy Paws is a top choice. It’s known for making customers happy and focusing on your pet’s health. That’s why it’s our top pick for healthy paws affordable unlimited coverage in California.

“Healthy Paws has been a lifesaver for us. The quick claim processing and financial support they provided when our dog needed emergency care was truly invaluable.” – Sarah, Healthy Paws customer

The Best Pet Insurance in California for 2024

Finding the right pet insurance in California is key to protecting your furry friends. We looked at over 30 pet insurance providers in the state. We found the top options for 2024 that offer great coverage, good prices, and strong customer service.

Lemonade is our top pick for its wide coverage, quick claims, and customizable policies. With Lemonade, you can get your claims processed in 1-2 days. They offer deductibles from $100 to $500.

ASPCA Pet Health Insurance is great for older pets. It has special coverage for seniors, including shorter waits for pre-existing conditions and more coverage for older pets.

Figo is perfect for those who want flexible reimbursement rates. It offers a 100% reimbursement option. This makes it a top choice for those wanting the best financial protection.

Provider	Reimbursement Rates	Deductible Ranges	Coverage Limits	Avg. Monthly Cost
Lemonade	70%, 80%, 90%	$100 – $500	$5,000 – $100,000	$17 – $91
ASPCA	70%, 80%, 90%	$100 – $500	$3,000 – $20,000	$20 – $80
Figo	50%, 70%, 80%, 90%, 100%	$100 – $750	$5,000 – Unlimited	$25 – $85

Whether you have a playful pup or a cuddly cat, the best pet insurance in California for 2024 has you covered. It offers wide coverage, flexible options, and reliable reimbursement. This ensures your pets get the care they need.

Conclusion

Finding the best pet insurance in California means looking at cost, coverage, customization, and company reputation. This way, you can pick a plan that protects your pet without breaking the bank. Whether you look at Lemonade, MetLife, ASPCA, or other top choices, pet insurance can ease your worries. It ensures your pet gets the care they need.

The California pet insurance market is very competitive. Companies like State Farm, Nationwide, and Progressive offer different features and benefits. It’s important to research and find a plan that matches your pet’s needs and your budget. This way, you can be sure your pet is covered for unexpected medical costs.

This article concludes that the best pet insurance in California varies by individual needs and budgets. The right plan for you and your pet depends on your unique situation. By considering the info here and talking with your vet, you can choose the best care and coverage for your pet.

FAQ

What is the average monthly cost of pet insurance in California?

In California, the average monthly cost for pet insurance is $56. This is about a 22% increase from the national average of $46. This shows why pet insurance is crucial in California, where vet bills can be higher.

What are the key features of Lemonade pet insurance?

Lemonade is known for its affordable prices and easy-to-use digital platform. It offers customizable add-on packages. Lemonade covers diagnostic tests, procedures, and meds for accidents and illnesses. It also has wellness plans, including a package for puppies and kittens.

What are the advantages of Pets Best’s vet-direct pay feature?

Pets Best is our top choice for vet-direct pay pet insurance in California. This means they pay your vet directly, skipping the need for upfront payment and waiting for reimbursement. This can be a big help, making sure your pet gets the care they need without financial worries.

How does Figo’s flexible reimbursement rates work?

Figo offers flexible reimbursement rates in California, from 70% to 100%. This lets pet owners tailor their plans to their budget and coverage needs. Figo also covers alternative and holistic treatments, making it a good choice for a comprehensive pet health plan.

Why is Fetch a good choice for comprehensive pet insurance coverage in California?

Fetch, formerly Petplan, is our top pick for comprehensive pet insurance in California. Its plans cover a wide range of treatments, from tests and surgeries to alternative therapies and end-of-life care. Pet owners can choose from annual limits of $5,000 to $15,000, fitting their needs and budget.

What makes Healthy Paws the most affordable option for unlimited pet insurance coverage in California?

Healthy Paws is our top choice for affordable unlimited coverage in California. With an average monthly cost of $34, it offers unlimited annual coverage. Healthy Paws covers a broad range of treatments, including alternative therapies and prescription meds. It’s a great option for pet owners wanting extensive protection without high costs.