Best Pet Insurance Companies In California For February, 2024

My top recommendation for the best pet insurance company in California is Lemonade Pet Insurance.

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Updated: 23 February 2024
Written by
Doug Schaffer
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Our team of pet insurance experts meticulously assessed 50 quotes from 19 pet insurance providers to determine the ideal coverage for various situations. When it comes to pet insurance in California, Lemonade Pet Insurance comes out on top in multiple aspects.

They excel in providing the best overall coverage, offering the most budget-friendly options, and catering to pet owners with young animals.

Nevertheless, it’s worth noting that three other companies—ASPCA, Embrace, and Pets Best Pet Insurance—also distinguish themselves in their respective categories.

In the upcoming sections, we will delve into the finest pet insurance choices available in California and delve into how various factors can influence your overall premiums.

Best Pet Insurance Companies In California, 2024

Best Overall Coverage - Lemonade Pet Insurance
Best for Affordable Coverage - Lemonade Pet Insurance
Best for Owners of Young Pets - Lemonade Pet Insurance
Best for New Pet Owners - ASPCA Pet Insurance
Best for Cat Owners - Embrace Pet Insurance
Best Pet Insurance, California 2024

Compare The Best Pet Insurance Companies In California

Average Annual Cost for Cats Coverage Waiting Period Overall Rating Best For Average Annual Cost for Dogs Get A Quote
Lemonade Pet Insurance


2 days for accidents and 14 days for illnesses


Overall Coverage


Instant Quote


48 hours for accidents and 14 days for illnesses


Cat Owners


Instant Quote
Lemonade Pet Insurance


2 days for accidents and 14 days for illnesses


Affordable Coverage


Instant Quote
Lemonade Pet Insurance


2 days for accidents and 14 days for illnesses


Owners of Young Pets


Instant Quote


Immediately for preventive care and 14 days for illnesses and accidents


New Pet Owners


Instant Quote
Pets Best


3 days for accidents and 14 days for illnesses


Owners of Multiple Pets


Instant Quote
Scroll to see comparisons

Our Methodology

To find the most affordable pet insurance rates in California, our team conducted a comprehensive analysis of data from various pet insurance providers in the state. We also leveraged the expertise of our team of insurance professionals, who collectively possess over two and a half decades of industry experience.

It's worth highlighting that while the rates presented in this guide are up-to-date, insurance premiums can change daily and may vary depending on factors like the age and breed of your pet.


Quotes Analyzed


Brands Reviewed


Years Of Industry Experience


Research Hours

Pet Insurance Company Reviews

Best Overall Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Several factors contribute to determining the best pet insurance company in a region, including affordability, customer service quality, and claims processing efficiency. In California, Lemonade Pet Insurance emerged as a standout performer across various categories. They offer cost-effective monthly coverage rates, with prices as low as $20 for cats and $37 for dogs.

In addition to their competitive rates, Lemonade earned high marks from California pet owners for delivering one of the finest customer service experiences in the area. Their team displays a genuine concern for animals, which shines through in their service to policyholders.

Benefits & Drawbacks

  • 2-day accident waiting period
  • Claims processing is faster than other major competitors
  • Numerous discounts available
  • The company donates a portion of the policyholder’s premium to nonprofits
  • Certain pet breeds aren’t covered after a certain age
  • Coverage is limited based on the state you live in
  • Pet owner credit and claim history are factored into insurance rates

Best Affordable Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

While many pet owners seek to safeguard their beloved pets, the perception is often that insurance is expensive. However, Lemonade Pet Insurance demonstrates that pet coverage can be budget-friendly. On average, cat owners typically pay just $20, while dog owners can expect to pay approximately $35.18.

To enhance affordability, Lemonade Pet Insurance provides a range of discounts, including bundling options that can reduce costs by up to 15%. They also offer a user-friendly mobile app, simplifying the management of existing policies.

Benefits & Drawbacks

  • A 2-day waiting period for accidents ensures quick coverage.
  • Claims are processed more swiftly compared to other leading competitors.
  • A variety of discounts are at your disposal.
  • The company allocates a portion of your premium to nonprofits, contributing to social causes.
  • Coverage for specific pet breeds is restricted once they reach a certain age.
  • The extent of coverage varies depending on your state of residence.
  • Your pet owner credit and claims history influence your insurance rates.

Best For Multiple Pets

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
8/10 Coverage Level

Why We Like Them

Managing multiple pets may come with added costs for food and toys, but it can also be advantageous when it comes to pet insurance. Numerous pet insurance providers, such as Pets Best, provide a discount for multi-pet policies that cover more than one animal.

In addition to the cost savings from the multi-pet discount, Pets Best offers reasonably priced monthly premiums, with average rates of $29.54 for cat insurance and $41.39 for dog insurance.

Pets Best offers policyholders several noteworthy advantages, including access to a 24/7 vet helpline for emergencies. Furthermore, they extend coverage to animals with disabilities or those in need of specialized prosthetic devices.

Benefits & Drawbacks

  • Coverage includes pets requiring wheelchairs or prosthetic devices.
  • Veterinary assistance is accessible through the 24/7 vet healthline.
  • A 3-day waiting period is associated with accident coverage.
  • There are versatile coverage choices available for accident and illness policies.
  • Claims processing is generally less expedient compared to other competitors.
  • Policy adjustments can only be made at the time of renewal.

Best For Owners Of Young Pets

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many individuals opt for younger pets that can grow alongside their families. While the prospect of having a kitten or puppy is exciting, the added responsibilities that accompany pet ownership may seem daunting at first. In addition to proper training, finding a pet insurance provider that offers convenient coverage is essential.

Lemonade Pet Insurance offers an ideal blend of affordability and user-friendly attributes. The company boasts an industry-leading mobile app and a responsive customer service team. With average rates of $18.14 for cats and $35.18 for dogs, Lemonade Pet Insurance is an exceptional choice for owners of young pets.

Benefits & Drawbacks

  • Policyholders enjoy a mere 2-day waiting period for pet injuries.
  • Claims are processed with remarkable speed.
  • A wide array of discounts is accessible to policyholders.
  • A fraction of the policyholder's premium is contributed by the company to nonprofits.
  • Certain pet breeds lose eligibility for coverage after a specific age threshold.
  • Coverage does not encompass all 50 states.
  • Pet owner credit and claims history play a role in determining insurance rates.

Best For New Pet Owners

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

For a new pet owner, choosing a pet insurance company like ASPCA, which boasts a strong foundation and a well-established track record in promoting animal health, holds significant importance.

Although ASPCA tends to have slightly higher average premiums, with cat insurance averaging $38.67 and dog insurance at $83.30, several advantages outweigh the added costs of opting for ASPCA. Notably, ASPCA imposes no age limit, making it possible for senior pets to receive coverage regardless of their age.

Additionally, ASPCA provides supplemental coverage for behavioral issues and alternative therapies, which can be particularly beneficial for specific dog breeds.

Benefits & Drawbacks

  • Coverage encompasses items such as alternative therapies, behavioral issues, and congenital conditions.
  • Cruciate injuries require only a 14-day waiting period.
  • A 24/7 telehealth vet line is accessible.
  • Standard policies include coverage for vet clinic visit fees related to illnesses and accidents.
  • Unlimited annual coverage can only be obtained through an agent.
  • Limited choices are available for deductibles.

Best For Cat Owners

Overall Rating

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

For California cat owners in search of top-notch insurance policies for their feline friends, Embrace Pet Insurance is a strong contender. They provide cost-effective cat insurance options, with an average monthly premium of just $20.44.

Beyond just supporting local charities, Embrace goes the extra mile by donating $2 for every policy sold.

It’s also worth noting that Embrace Pet Insurance is the preferred partner for numerous major car and home insurance providers, including USAA, Allstate, and GEICO.

Benefits & Drawbacks

  • Affordable policy options are available.
  • The majority of standard policies provide coverage for treatable pre-existing conditions.
  • Owners of pets in need of orthopedic care can bypass the waiting period by undergoing a vet exam.
  • Supplemental coverage is not included in standard policies.
  • Accident-only policies are the sole option for senior pets aged 14 and above.

Average Cost Of Pet Insurance In California

Average Cost In California — By Cat Breed

Cat Breed Average Monthly Cost
Domestic Shorthair $19
Sphynx $20
Siamese $23
Maine Coon $26

Average Cost In California — By Dog Breed

Dog Breed Average Monthly Cost
Affenpinscher $16
Labradoodle $33
Greyhound $64
Newfoundland $86

Average Cost In California — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $32
Pets Best $35
TrustedPals $37
Figo $43

Average Cost In California — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
ManyPets $38
Pets Best $43
Lemonade $48
Trusted Pals $55
Healthy Paws $59

How To Find The Best Pet Insurance Company For You

Purchasing pet insurance resembles getting your own health or life insurance. It’s crucial to compare rates, but before you dive in, it’s important to understand the key aspects to look for in a pet insurance policy.

For instance, most companies offer either accident-only coverage or a comprehensive accident and illness plan. Both options have their merits and suit different situations.

Accident-only coverage is often ideal for younger pets less prone to age-related illnesses, while breeds with higher risk factors benefit more from a comprehensive plan.

Another factor to consider is the waiting period. Since each pet insurance company has its unique waiting periods for accidents and illnesses, you’ll need to decide what aligns best with your pet’s health needs.

Largest Pet Insurance Companies In The United States

Company Name Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace Pet Insurance 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Pet Insurance 1.4%
Petsecure 1.3%
Healthy Paws Pet Insurance .73%
Pumpkin Pet Insurance .48%

How To Buy Pet Insurance Online In California

Securing insurance for your pet is a straightforward process, especially when using a platform like Insuranceopedia. However, there are several steps you can take in advance and during the application process to streamline the process.

Here are four crucial steps to follow when purchasing pet insurance:

  • Step 1: Gather all essential information in advance (e.g., pet type, breed, age, medical history, and any documentation related to your pet’s lineage).
  • Step 2: Determine the coverage amount and deductible that suits your pet’s needs.
  • Step 3: Compare quotes from at least three different pet insurance providers.
  • Step 4: Complete your policy purchase and inform your veterinarian about your new coverage.

Factors That Impact Cost Of Your Pet Insurance Policy In California

The cost of your pet insurance policy isn’t determined by just one or two factors. There are several elements that contribute to the rate you’ll pay for pet insurance. These pricing factors include:

  • Type of Animal
  • Breed
  • Age
  • Type of Insurance
  • Location

Type Of Animal

When you’re in the process of purchasing pet insurance, the type of pet you have plays a significant role in determining your monthly premiums. On average, dog owners pay 2-3 times more for coverage than cat owners because dogs tend to spend more time outdoors, increasing their risk.


Similar to the type of animal, the breed of your pet also impacts the cost of your pet health insurance. While many dog breeds don’t lead to significant premium differences, some are considered higher risk.

For instance, boxers and bulldogs have a history of sinus and skin issues, which can result in higher monthly premiums.


The age of your pet is another important factor in your quotes from pet insurance companies. While some insurers keep pricing reasonable regardless of age, others may deny coverage if your pet is too old. If you have a senior pet, it’s essential to shop around for pricing options.

Insurance Type

When buying your pet insurance policy, you’ll typically choose between accident-only or accident and illness coverage. Both options provide protection for your pet, but comprehensive policies generally cost more. Evaluating whether the added coverage justifies the extra monthly cost is crucial.


Regional pricing is another consideration for many pet insurance companies when you apply for coverage. While there isn’t usually a significant difference in premiums from city to city, certain state regions are considered higher risk due to the greater number of claims originating from those areas.

Pet Insurance Discounts In California

Like various forms of health insurance, pet insurance costs can vary in California depending on your location. To help reduce the overall expense of a pet health insurance policy, discounts are available. While not all pet insurance providers offer identical discounts, it’s wise to consider the following options:

  • Employer-sponsored discounts
  • Multi-pet discount
  • Employee union discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts
  • Special service animal discounts

California Pet Insurance Laws To Know

While pet insurance isn’t mandatory for pet owners in California, the state has implemented various laws and bills to safeguard animals and their owners. For instance, a recent House Bill was introduced and subsequently signed into law, addressing the consideration of a dog’s breed in homeowners’ and renters’ insurance decisions.

In the past, insurance companies could refuse coverage, terminate policies, or impose higher monthly premiums based on a pet’s breed. However, thanks to the enactment of House Bill 2323, insurance companies are now prohibited from discriminating based on a dog’s breed or appearance.

In The News

  • Starting from June 30, 2023, insurance companies are prohibited from considering a dog’s breed as the sole factor in their underwriting decisions.
  • Governor Katie Hobbs has enacted Senate Bill 1053 into law, granting veterinarians the ability to establish a veterinary-client relationship through telemedicine.

Information About California

California is home to some of the largest cities in the United States and boasts a rich Native American heritage. The state is peppered with reservations and cultural sites that serve as valuable resources for individuals interested in learning about Native American history and traditions.

Moreover, California is renowned for its stunning natural landscapes, drawing tourists from far and wide. Iconic destinations like Yosemite National Park, the Redwood National and State Parks, and Death Valley offer travelers an abundance of opportunities to immerse themselves in the beauty of nature.


Do all vets take pet insurance in California?

Every veterinary clinic in California accepts pet health insurance because it operates on a system where pet owners cover the medical expenses upfront and later receive reimbursement from their pet insurance provider.

Do I legally have to insure my pet in California?

Although it’s advisable to have pet insurance for all your pets, it’s essential to know that it’s not a mandatory legal requirement to have your dog or cat insured in California.

How much is pet insurance in California?

Similar to pet owners in other states across the country, cat owners in California generally pay lower premiums for coverage compared to dog owners. On average, cat insurance policies in California come with a monthly premium of $27.56, while dog insurance typically amounts to $48.81 per month.

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