Best Pet Insurance In California For 2024

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

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Updated: 08 May 2024
Written by Doug Schaffer
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Our team of pet insurance experts meticulously analyzed 50 quotes from 19 pet insurance providers to identify the optimal coverage for various scenarios. In California, Lemonade Pet Insurance stands out across multiple criteria.

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

However, it’s important to acknowledge three other companies—ASPCA, Embrace, and Pets Best Pet Insurance—that also excel in their respective categories.

In the following sections, we will explore the top pet insurance options available in California and examine how various factors can impact overall premiums.

Best Pet Insurance In California, 2024

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

Compare The Best Pet Insurance 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

$20

2 days for accidents and 14 days for illnesses

4.7

Overall Coverage

$35.18

Instant Quote
Embrace

$18

48 hours for accidents and 14 days for illnesses

4.7

Cat Owners

$48.25

Instant Quote
Lemonade Pet Insurance

$20

2 days for accidents and 14 days for illnesses

4.7

Affordable Coverage

$35.18

Instant Quote
ASPCA

$36

Immediately for preventive care and 14 days for illnesses and accidents

4.6

New Pet Owners

$83.30

Instant Quote
Lemonade Pet Insurance

$20

2 days for accidents and 14 days for illnesses

4.7

Owners of Young Pets

$35.18

Instant Quote
Pets Best

$26

3 days for accidents and 14 days for illnesses

4.5

Owners of Multiple Pets

$41.39

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.

50

Quotes Analyzed

22

Brands Reviewed

25+

Years Of Industry Experience

32+

Research Hours

The Best Pet Insurance Companies In California


Best Overall Coverage

Overall Rating
4.7

Key Statistics

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

Why We Like Them

Numerous factors play a role in identifying the top pet insurance provider in a region, such as affordability, quality of customer service, and efficiency in claims processing. In California, Lemonade Pet Insurance has established itself as a standout performer in various aspects.

They offer budget-friendly monthly coverage rates, starting as low as $20 for cats and $37 for dogs.

Moreover, Lemonade has garnered praise from pet owners in California for delivering exceptional customer service. Their team’s genuine care for animals is evident in their interactions with policyholders, further enhancing their reputation in the area.

Benefits & Drawbacks

Benefits
  • 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
Drawbacks
  • 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
4.7

Key Statistics

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

Why We Like Them

While many pet owners prioritize protecting their cherished companions, there’s a common belief that insurance comes with a hefty price tag.

Nonetheless, Lemonade Pet Insurance proves that pet coverage can be affordable. On average, cat owners only pay around $20, while dog owners can expect to pay approximately $35.18.

To further enhance affordability, Lemonade Pet Insurance offers various discounts, including bundling options that can slash costs by up to 15%. Additionally, their user-friendly mobile app streamlines the management of existing policies, providing convenience and ease of use.

Benefits & Drawbacks

Benefits
  • 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.
Drawbacks
  • 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
4.5

Key Statistics

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

Why We Like Them

Managing multiple pets may entail extra expenses for essentials like food and toys, but it can also bring benefits when it comes to pet insurance. Many pet insurance providers, such as Pets Best, offer discounts for multi-pet policies covering more than one animal.

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

Pets Best also offers several notable advantages to policyholders, including access to a 24/7 vet helpline for emergencies. Moreover, they extend coverage to animals with disabilities or those requiring specialized prosthetic devices.

Benefits & Drawbacks

Benefits
  • 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.
Drawbacks
  • 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
4.7

Key Statistics

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

Why We Like Them

Many people choose younger pets to grow alongside their families. While the idea of having a kitten or puppy is thrilling, the additional responsibilities of pet ownership might feel overwhelming initially. Alongside proper training, finding a pet insurance provider that offers convenient coverage is crucial.

Lemonade Pet Insurance provides an excellent balance of affordability and user-friendly features. With an industry-leading mobile app and responsive customer service, the company stands out. With average rates of $18.14 for cats and $35.18 for dogs, Lemonade Pet Insurance is an outstanding option for owners of young pets.

Benefits & Drawbacks

Benefits
  • 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.
Drawbacks
  • 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
4.6

Key Statistics

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

Why We Like Them

For new pet owners, selecting a pet insurance company with a solid foundation and a proven commitment to animal health, such as ASPCA, is crucial.

Despite ASPCA typically having slightly higher average premiums, with cat insurance averaging $38.67 and dog insurance at $83.30, several advantages justify the additional costs of choosing ASPCA. Notably, ASPCA does not impose an age limit, ensuring that senior pets can still receive coverage regardless of their age.

Furthermore, ASPCA offers supplemental coverage for behavioral issues and alternative therapies, which can be particularly advantageous for certain dog breeds.

Benefits & Drawbacks

Benefits
  • 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.
Drawbacks
  • Unlimited annual coverage can only be obtained through an agent.
  • Limited choices are available for deductibles.

Best For Cat Owners

Overall Rating
4.7

Key Statistics

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

Why We Like Them

California cat owners seeking top-notch insurance policies for their feline companions should consider Embrace Pet Insurance. They offer affordable cat insurance options, with an average monthly premium of just $20.44.

In addition to their commitment to supporting local charities, Embrace stands out by donating $2 for every policy sold.

Furthermore, Embrace Pet Insurance has earned the trust of several major car and home insurance providers, including USAA, Allstate, and GEICO, making them a preferred partner in the industry.

Benefits & Drawbacks

Benefits
  • 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.
Drawbacks
  • 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
Lemonade $32
Pets Best $35
TrustedPals $37
Figo $43
ASPCA $55

Average Cost In California — Comprehensive Coverage

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

How To Find The Best Pet Insurance Company For You

Buying pet insurance is akin to purchasing your own health or life insurance. It’s essential to compare rates, but before you do so, it’s crucial to understand the key aspects to look for in a pet insurance policy.

For example, most companies offer either accident-only coverage or a comprehensive accident and illness plan. Each option has its merits and suits different situations.

Accident-only coverage is often preferable for younger pets less susceptible 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, it’s important to determine which 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

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

Gather all necessary information beforehand (e.g., pet type, breed, age, medical history, and any documentation regarding your pet’s lineage).

1

Decide on the coverage amount and deductible that best fits your pet’s requirements.

2

Compare quotes from at least three different pet insurance providers.

3

Finalize your policy purchase and notify your veterinarian about your new coverage.

4

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

When purchasing pet insurance, the type of pet you have significantly influences 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.

Breed

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, breeds like boxers and bulldogs have a history of sinus and skin issues, resulting in higher monthly premiums.

Age

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.

Location

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

Similar to various health insurance plans, pet insurance costs can vary in California based on your location. To mitigate the overall expense of a pet health insurance policy, discounts are often available. Although not all pet insurance providers offer the same discounts, it’s prudent 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 compulsory for pet owners in California, the state has enacted several laws and bills to protect animals and their owners. For example, a recent House Bill was introduced and signed into law, focusing on the use of a dog’s breed in decisions related to homeowners’ and renters’ insurance.

Previously, insurance companies had the authority to deny coverage, cancel policies, or charge higher monthly premiums based on a pet’s breed. However, with the passing of House Bill 2323, insurance companies are now prohibited from discriminating based on a dog’s breed or appearance.

FAQs

Do all vets take pet insurance in California?

Every veterinary clinic in California typically accepts pet health insurance because the system operates on the basis of pet owners covering the medical expenses upfront and subsequently receiving reimbursement from their pet insurance provider.

Do I legally have to insure my pet in California?

While it’s recommended to have pet insurance for all your pets, it’s important to note 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 typically pay lower premiums for coverage compared to dog owners. On average, cat insurance policies in California have a monthly premium of $27.56, whereas dog insurance typically amounts to $48.81 per month.

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