7 Best California (CA) Pet Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

Purchasing pet insurance in California may seem like an overwhelming task, especially when trying to figure out which insurance company is best. As a licensed California insurance agent, East Bay resident, and lifelong pet parent, I understand your frustrations. This article will cover everything you need to know if you live in Sacramento, San Francisco, San Jose, Redding, Los Angeles, San Diego, or somewhere in between. Read more about our unbiased ranking methodology and advertiser disclosure.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to California pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CALIFORNIA

$41.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around California pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to California pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CALIFORNIA

$44.45/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to California pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CALIFORNIA

$43.03/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a mutual insurance company supported by its members
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to California pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CALIFORNIA

$58.52/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to California pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CALIFORNIA

$59.68/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with California vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST

$73.78

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to California pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CALIFORNIA

$137.65/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to California pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CALIFORNIA

$41.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all-around California pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

How much does dog & cat insurance cost in California for the 15 most popular breeds?

The price for California pet insurance varies depending on where you live. To give you an idea we’ve collected costs for three cities shown below. The prices will also vary based on the age, health, and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in California we suggest getting a quote directly with Figo or Lemonade.

Dog Insurance Prices in California:

  1. Mixed Breed
    • Beverly Hills – $43.82/ mo
    • Fresno – $38.77/ mo
    • San Francisco – $47.00/ mo
  2. Labrador Retriever
    • Beverly Hills – $59.68/ mo
    • Fresno – $52.80/ mo
    • San Francisco – $64.01/ mo
  3. Golden Retriever
    • Beverly Hills – $59.56/ mo
    • Fresno – $52.69/ mo
    • San Francisco – $63.86/ mo
  4. German Shepherd
    • Beverly Hills – $63.39/ mo
    • Fresno – $56.96/ mo
    • San Francisco – $69.04/ mo
  5. Goldendoodle
    • Beverly Hills – $51.82/ mo
    • Fresno – $45.85/ mo
    • San Francisco – $55.56/ mo
  6. Chihuahua
    • Beverly Hills – $17.20/ mo
    • Fresno – $24.11/ mo
    • San Francisco – $29.23/ mo
  7. Siberian Husky
    • Beverly Hills – $59.85/ mo
    • Fresno – $52.96/ mo
    • San Francisco – $64.18/ mo
  8. Yorkshire Terrier
    • Beverly Hills – $19.35/ mo
    • Fresno – $33.28/ mo
    • San Francisco – $40.35/ mo
  9. American Pit Bull Terrier
    • Beverly Hills – $66.26/ mo
    • Fresno – $58.61/ mo
    • San Francisco – $71.05/ mo
  10. Australian Shepherd
    • Beverly Hills – $41.20/ mo
    • Fresno – $36.45/ mo
    • San Francisco – $44.18/ mo
  11. Dachshund
    • Beverly Hills – $38.88/ mo
    • Fresno – $34.39/ mo
    • San Francisco – $41.68/ mo
  12. Shih Tzu
    • Beverly Hills – $34.64/ mo
    • Fresno – $30.64/ mo
    • San Francisco – $37.13/ mo
  13. French Bulldog
    • Beverly Hills – $81.95/ mo
    • Fresno – $72.50/ mo
    • San Francisco – $87.89/ mo
  14. Boxer
    • Beverly Hills – $82.29/ mo
    • Fresno – $72.81/ mo
    • San Francisco – $88.23/ mo
  15. Labradoodle
    • Beverly Hills – $26.66/ mo
    • Fresno – $45.85/ mo
    • San Francisco – $55.56/ mo

Cat Insurance Prices in California:

  1. Mixed Breed
    • Beverly Hills – $25.50/ mo
    • Fresno – $22.54/ mo
    • San Francisco – $27.33/ mo
  2. American Shorthair
    • Beverly Hills – $30.12/ mo
    • Fresno – $26.64/ mo
    • San Francisco – $32.29/ mo
  3. Bengal
    • Beverly Hills – $30.12/ mo
    • Fresno – $26.64/ mo
    • San Francisco – $32.29/ mo
  4. Bombay
    • Beverly Hills – $30.12/ mo
    • Fresno – $26.64/ mo
    • San Francisco – $32.29/ mo
  5. British Shorthair
    • Beverly Hills – $30.12/ mo
    • Fresno – $26.64/ mo
    • San Francisco – $32.29/ mo
  6. Exotic
    • Beverly Hills – $30.12/ mo
    • Fresno – $26.64/ mo
    • San Francisco – $32.29/ mo
  7. Himalayan
    • Beverly Hills – $30.12/ mo
    • Fresno – $26.64/ mo
    • San Francisco – $32.29/ mo
  8. Maine Coon
    • Beverly Hills – $31.78/ mo
    • Fresno – $28.10/ mo
    • San Francisco – $34.07/ mo
  9. Persian
    • Beverly Hills – $31.78/ mo
    • Fresno – $28.10/ mo
    • San Francisco – $34.07/ mo
  10. Ragdoll
    • Beverly Hills – $31.78/ mo
    • Fresno – $28.10/ mo
    • San Francisco – $34.07/ mo
  11. Russian Blue
    • Beverly Hills – $30.12/ mo
    • Fresno – $26.64/ mo
    • San Francisco – $32.29/ mo
  12. Scottish Fold
    • Beverly Hills – $31.78/ mo
    • Fresno – $28.10/ mo
    • San Francisco – $34.07/ mo
  13. Siamese
    • Beverly Hills – $31.78/ mo
    • Fresno – $28.10/ mo
    • San Francisco – $34.07/ mo
  14. Sphynx
    • Beverly Hills – $30.12/ mo
    • Fresno – $26.64/ mo
    • San Francisco – $32.29/ mo
  15. Abyssinian
    • Beverly Hills – $30.12/ mo
    • Fresno – $26.64/ mo
    • San Francisco – $32.29/ mo

Not finding your specific pet breed? Lemonade pet insurance is our #1 recommendation for California and they’ll be able to give you a quick quote for your exact needs.

California Pet Insurance FAQs

1. What is pet insurance? Why is it helpful in California?

Register with an insurance company to best protect your pet with insurance and pay the monthly premiums to keep your policy active. If your furry friend gets in an accident or becomes ill, you must pay the vet bills upfront. After which, you can submit a claim to your insurer to be reimbursed. Keep in mind that insurance companies typically do not cover pre-existing conditions, which is why we suggest getting pet insurance while your animal is still a puppy or a kitten.

Pet insurance is helpful in California since veterinary costs are through the roof, especially for cancer treatments and other such therapies that can exceed $10,000. Uninsured pet owners risk putting their pets down if they can’t afford the necessary procedures or treatments. Insurance makes sure this is never an issue.

2. How old does my pet need to be to get insured?

The good news is that there is no age limit when it comes to pet insurance. Your pet needs to be at least 8-weeks-old for it to be insured. That said, younger animals tend to be cheaper to insure, which is another reason to get pet insurance before your little pal turns one year old.

One exception to the rule is Pawp who protects up to 6 pets on one “Emergency Fund” regardless of their age for a flat fee of $19/ month. However, keep in mind, Pawp only covers true vet emergencies which have to be qualified first by their virtual vet team. Also note, their plan only covers one of your pets for one vet bill up to $3,000 once per year.

3. Is it worth it getting pet insurance in CA?

As noted above, accidents and illnesses are inevitable parts of most pets’ lives, which leaves owners with piles of vet bills. Pet owners can spend upwards of $3,000 just for an emergency trip to the vet. You need to decide for yourself whether paying monthly insurance premiums offsets any potential high out-of-pocket bills in the future. California vets are some of the most expensive in the country–another reason to get pet insurance.

4. What does pet insurance include and exclude?

Pet insurance companies now have “wellness” packages that you can add to your policy to cover routine care such as annual physical exams, vaccinations, heartworm prevention, and more. Basic coverage varies between providers, but a good rule of thumb is that illnesses and accidents deemed “sudden and catastrophic” will be covered. Some such examples may include lacerations, broken bones, skin rashes, eye infections, and more. However, if your pet has a medical condition before (or when) you apply for pet insurance, this will be listed as a pre-existing condition and not covered by your policy.

5. How does reimbursement work?

Let’s say you have cat insurance with a 90% reimbursement amount, a $250 deductible, and a $20,000 annual max benefit. Then imagine something happens that requires a $10,000 emergency vet surgery. In this scenario, your insurance company would reimburse you $9,000 minus your $250 deductible meaning that you would be out-of-pocket $1,250 instead of $10,000. One company that is an outlier is Trupanion who offers payment directly to vets who are in their network. This way, you won’t have to rely on reimbursements, but will instead receive a bill for the remaining balance owed.

6. Which is better: a higher or lower deductible?

This depends on your personal preference as well as your financial circumstances. A lower deductible results in higher monthly payments but lower out-of-pocket costs in an emergency. You can expect the opposite with higher deductibles in that you’ll have lower monthly payments but higher out-of-pocket costs in a crisis. Many providers have calculators on their websites you can use when requesting a quote. We have noticed most pet owners choose either a $250 or $500 deductible.

5 Useful Strategies for Keeping Your Pet Safe & Healthy in California

California is a beautiful place to live, but with the state’s frequent natural disasters and unpredictable weather, there is a lot to consider when keeping your pet safe and healthy.

1. Prepare an emergency bag

California is wrought with natural disasters, including earthquakes, fires, landslides, and floods, making it vital to have a “go” bag for your pet. This bag should include food, water, bowls, and medicine. If you have a dog, then a leash is also worth including. And if you have a cat, make sure you have an extra litter box and bag of litter that you can grab at a moment’s notice. You will also need to have your pet’s carrier or kennel in an easy-to-reach place and be sure to line it with a thick cushion or blanket to provide some comfort during a potentially stressful time. You may even want to place a pee-pad on top.

2. Keep your pet hydrated

Hot weather is not uncommon in California, but it is essential to keep your pet hydrated even in cooler months. Proper hydration is one of the biggest keys to pet health. By combining the following two approaches, you can ensure your pet gets the moisture its body needs. First, have a fresh bowl of water available at all times. Wash the bowl regularly with soap and warm water to keep bacteria at bay. The second is to add a couple of spoonfuls (small ones for smaller pets and larger ones for average to larger-sized dogs) of water to your pet’s food. This works well for canned, dry, cooked, or raw food, bringing out the flavors. Be careful not to drown the food, or your pet may turn its nose up at it!

3. Groom your pet regularly

With California’s heat, it is always a good idea to brush your pet multiple times a week, if not daily. This helps to prevent hairballs and potentially fatal intestinal blockages that ingested hair can cause. Be sure not to shave your dog or cat as their fur serves to regulate their body temperature, keeping them cool in the summer and warm in the colder months. Trimming their hair is fine, though. And bathing dogs is essential to their wellbeing. Be sure to use gentle soaps and shampoos, and keep them away from your dog’s eyes.

4. Treat your pet for fleas and ticks

Ticks are aplenty in California, with over 48 different species. Fleas are equally as bothersome. To save your pet the pain and suffering such parasites cause, be sure to get them a spot-on treatment and apply it to the back of your pet’s neck. Collars are also available but generally not as effective. Be sure to consult your vet first.

5. Vaccinate your pet for rabies

In California, the most common wildlife carriers of rabies are bats, raccoons, skunks, coyotes, foxes, and opossums, to name a few. Be sure that your pet is at least 4 months old before getting your pet vaccinated.

Conclusion

Ultimately, choosing the best pet insurance in California is much easier than it may have seemed at first. We advise signing up for pet insurance when your pet is 8 weeks or older so that you can get the best prices with the fewest restrictions regarding pre-existing conditions. Nevertheless, getting pet insurance at any point in your little friend’s life is better than never because it can be helpful in catastrophic situations and support preventative care. In our comprehensive research, we found Lemonade pet insurance consistently performs the best and offers the lowest monthly premiums.

SwiftScore Ranking Methodology for California

We ranked the best pet insurance policies in California based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in California with a 90210 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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