Get the Best Pet Insurance in California in 2024

Sponsored by Figo Pet Insurance

If you're a pet owner who lives in California, you may be wondering about the best pet insurance policies available to you in 2024. With a wide variety of options, each offering varying coverage levels, pet insurance premiums, and deductibles, it’s vital to know what sets a good policy apart.

In this comprehensive guide, we'll cover the essentials of selecting pet insurance. We’ll break down the costs, examine the differences among plans from leading insurers, and highlight important consumer protections and laws specific to California. By the end, you’ll be equipped with the knowledge you need to make an informed decision on the best pet insurance plan for your furry friend in the state of California.

Summary: Best California Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 5/1/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in California?

According to our research, California pet insurance costs an average of $46 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $74 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two California cities: Los Angeles, a major urban center, and Santa Clara, an average-sized city for the state.

It's important to note that your own California pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

In addition, there may be other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether you choose to add on any optional coverage. That's why it's vital to compare California pet insurance plans carefully and choose a policy that best fits your budget and your pet's specific needs.

Cost of Pet Insurance for Dogs in California

The average cost of pet insurance for a three-year-old, medium-sized, mixed-breed dog in California is equivalent to the state's average of $46 per month*. As mentioned earlier, this is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $74 monthly.

Cost of Pet Insurance in California by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. To give you an idea of how pet insurance costs vary by breed, here are the monthly pet insurance rates you can expect to pay for these breeds in California:

Cost of Pet Insurance for Cats in California

Pet insurance for cats is significantly cheaper than dog insurance in California. The average cost per month for cat insurance in California falls between $20 and $50, depending on factors such as age, breed, annual coverage, deductible, and reimbursement amount**.

Cost of Pet Insurance in California by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of California pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in California

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care with optional preventive care available. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It typically includes diagnostic tests, exam fees, x-rays, ultrasounds, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and alternative therapies like acupuncture and chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available and can cover injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies typically cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from days to months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

California’s Consumer Protection Law for Pet Insurance Buyers

California has legislation designed to protect pet insurance buyers, ensuring fair practices and transparency. Here’s what you need to know about California’s Consumer Protection Law for Pet Insurance Buyers:

• Disclosure requirements. Insurers must clearly outline coverage details, including limits, waiting periods, and exclusions, ensuring buyers understand what their policies cover.
• Free look period. Insurers are required to provide a 30-day "free look" period, allowing policyholders to cancel the policy for a full refund within that time.
• Exclusions and pre-existing conditions. Insurers must clearly define and disclose exclusions, including pre-existing conditions, to avoid unexpected costs for policyholders.
• Reimbursement method. Insurers must specify the reimbursement method used in the policy, whether it's based on a benefit schedule, a percentage of vet bills, or customary charges.
• Renewal guarantees. Insurers must offer policyholders the option to renew, except in specific circumstances, ensuring continued coverage.

How to Find the Best Pet Insurance in California

When looking at pet insurance options in California, it's important to think about how living in the Golden State could affect what you need from your pet insurance policy.

Natural disasters like wildfires and earthquakes, which are more prevalent in California, can lead to unexpected accidents or injuries to your pet. Plus, wildlife like coyotes and rattlesnakes could also pose a threat to your furry friend.

In addition, the overall cost of living, including veterinary care expenses, tends to be higher in California than in many other states. This means that you may need more comprehensive coverage to ensure your pet is protected in case of emergencies or illnesses.

Given these factors, pet owners should look for insurance policies that provide a broad range of coverage and support. Here are some critical features to consider when choosing the best pet insurance plan in California:

• 24/7 vet helpline. Access to a round-the-clock veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable – especially in a state where natural disasters and wildlife pose potential risks.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness/routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care, which may be more expensive in California.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Given the higher veterinary costs in California, having coverage for exam fees can result in considerable savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

California Pet Laws

California has specific laws in place to protect pets and their owners. Here are key laws and regulations affecting pet owners in the state:

• Leash laws. Leash laws vary across different cities and counties in California. In some areas, dogs are required to be on a leash at all times in public spaces to prevent them from wandering into traffic, disturbing wildlife, or being a nuisance to other people. Other areas have designated off-leash parks or beaches where dogs can run freely, but even these spaces may have specific rules and regulations.
• Licensing and vaccination requirements. California requires pets to be licensed and vaccinated. This includes mandatory rabies vaccinations, which help protect both pets and people from the spread of the virus. Licensing fees may vary by city or county, and in some areas, pets need to be licensed annually. Some localities may also have additional vaccination requirements for pets.
• Animal cruelty laws. California has strict laws against animal cruelty and neglect. Penalties for violations can include fines, imprisonment, and the loss of pet ownership rights. The goal is to protect pets from harm and ensure their well-being. The law covers actions such as physical abuse, neglect, and failure to provide necessary care, including food, water, and shelter.
• Dangerous dog laws. California has laws addressing dangerous or aggressive dogs, which include regulations on handling dogs that pose a threat to others. Although there is no statewide breed-specific legislation, some cities or counties may have specific rules regarding certain breeds. Owners of dogs deemed dangerous might be subject to specific requirements, such as mandatory muzzles, higher insurance premiums, or even euthanasia orders in extreme cases.
• Pet travel and transportation. Traveling with pets within California is subject to various regulations. Airline policies may have specific rules regarding pet carriers, health certificates, and the pet's size. Public transportation systems may have guidelines regarding whether pets can travel on buses, trains, or other transit options and under what conditions. It's essential for pet owners to be aware of these rules to avoid complications.

Los Angeles Pet Laws

As one of the largest cities in California, Los Angeles also has specific laws and regulations related to pets. Here are some key points to keep in mind if you are a pet owner in the City of Angels:

• Leash laws. Dogs must be on a leash at all times when in public spaces, except for designated off-leash areas. This helps prevent dogs from causing disturbances or accidents.
• Licensing and vaccination requirements. All dogs over the age of four months must be licensed and vaccinated against rabies. This protects both pets and people from the spread of the virus. Licenses must be renewed annually or biennially, and proof of rabies vaccination is required for renewal.
• Pet limits. Los Angeles limits the number of pets per household. A single residence may house up to three dogs and three cats, helping to reduce pet overpopulation and potential nuisances to neighbors.
• Animal cruelty laws. Los Angeles has strict laws against animal cruelty and neglect. Violations can result in fines, imprisonment, and loss of pet ownership rights. These laws cover actions such as physical abuse, neglect, and failure to provide necessary care.
• Barking dog ordinance. The city has an ordinance against excessive barking. If a dog’s barking is considered a disturbance to neighbors, owners may receive warnings or face penalties, emphasizing responsible pet ownership.
• Dangerous dog laws. Los Angeles has laws addressing dangerous dogs. Dogs deemed dangerous may face restrictions, such as mandatory muzzles or higher insurance premiums. In extreme cases, they may even be euthanized.
• Pet travel. Los Angeles has specific regulations for traveling with pets on public transportation. For instance, pets must be in carriers or crates when using transit options like buses or trains. Additionally, airlines operating out of Los Angeles International Airport (LAX) have their own pet travel rules.

San Diego Pet Laws

San Diego, a vibrant coastal city, has specific laws and regulations related to pets. Here are key points to keep in mind if you're a pet owner in San Diego:

• Leash laws. Dogs must be on a leash in public spaces unless in designated off-leash areas. These include dog parks and specific beaches, where dogs can roam freely.
• Licensing and vaccination requirements. All dogs over four months old must be licensed and vaccinated against rabies. Proof of vaccination is required for license renewal, which helps protect both pets and the community from disease.
• Pet limits. In San Diego, households are limited to six dogs and/or cats. If you want to have more, you need to apply for a special permit.
• Public nuisance. San Diego classifies behaviors such as excessive barking, pets wandering off-leash outside designated areas, and unsanitary pet waste disposal as public nuisances. Violations can lead to fines or other penalties.
• Pet-friendly beaches. There are several dog-friendly beaches in San Diego, including Ocean Beach’s Dog Beach and Del Mar Dog Beach. These beaches allow dogs to roam off-leash in designated areas, providing ample space for exercise and play.
• Pet-friendly housing. San Diego has various housing options that accommodate pets. Many apartment complexes and rental properties accept pets, though some may impose additional fees or restrictions on breeds or sizes.
• Pet travel. San Diego's public transportation system requires pets to be in carriers or crates when using buses, trolleys, or trains. Additionally, airlines operating out of San Diego International Airport (SAN) have specific rules regarding pet travel.

San Francisco Pet Laws

If you're a pet owner in the bustling and diverse city of San Francisco, here are some essential laws and regulations to keep in mind:

• Licensing and vaccination. Dogs older than four months need to be registered with the city. You can get a license for one, two, or three years, based on the dog's rabies vaccination record. To renew the license, you must show proof of vaccination. If you're new to San Francisco, you have 30 days to register your dog after moving in.
• Leash laws. Dogs must be on a leash in public spaces, except in designated off-leash areas, such as certain parks. This helps prevent disturbances and keeps pets safe.
• Dog control. Owners must clean up after their dogs in public areas to keep things clean. It's also important to note that dogs can't run freely in the city or county, unless it's in areas set aside for exercise.
• Noise ordinance. San Francisco has regulations against excessive barking or other pet-related noises that can disturb neighbors. Violations may result in fines or other penalties.
• Pet travel. San Francisco requires dogs to be transported in fully enclosed vehicles (either privately owned or Bay Area Rapid Transit) and secured by a belt, tether, cage, or other device.
• Dog bites. If your dog bites a person or another animal, the Department of Public Health could fine you $25. If your dog bites again within a year, you could face harsher penalties, including jail time. In extreme cases, if the dog is deemed a threat to public health and safety, they might be impounded or put down per the recommendation of the public health director.
• Pet-friendly restaurants. San Francisco permits dogs on the patios of restaurants and cafes, provided they are leashed and under control. This allows pet owners to dine out with their furry friends, but individual establishments may have specific policies.
• Pet waste. San Francisco requires pet owners to dispose of their pets' waste in designated trash cans. Violations may result in fines, emphasizing responsible pet ownership.

Common Pet Risks in California

California's diverse climate and landscape offer both beauty and challenges, posing unique health risks for pets. From the scorching sun of summer to the threat of wildfires and other dangers, California pet owners need to stay vigilant and proactive to keep their furry friends safe. Here are some specific risks to watch out for:

• Heat stroke. California's warm weather, especially in summer, can lead to heat stroke in pets. It's crucial to ensure your pet is never left in a hot car or on hot pavement and always has access to shade and fresh water.
• Heartworm. Mosquitoes, which carry heartworm larvae, can infect pets in California. Regular heartworm prevention medications can help protect your pets from this dangerous disease.
• Toxic plants. Various plants found in California, such as oleander and sago palms, are toxic to pets. Owners should be mindful of the plants in their surroundings and ensure their pets don't ingest harmful foliage.
• Wildfires. California's wildfire season poses serious risks to pets. Smoke inhalation and burns can cause severe health issues. Have an emergency plan in place to evacuate with your pet if needed.
• Valley fever. This fungal disease is caused by inhaling spores found in the arid regions of California. Pets can contract it from contaminated soil or dust, leading to respiratory issues and other health problems.
• Dog flu. Canine influenza outbreaks have occurred in California. Owners should monitor their pets for symptoms like coughing, sneezing, and nasal discharge, and consider vaccinations to reduce the risk.
• Wildlife. Encounters with wild animals, such as rattlesnakes and Gila monsters, pose a danger to pets. Bites can be venomous and require immediate veterinary attention.

Veterinary Costs in California

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in California is $87. However, this can be significantly higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Cheap Pet Insurance by City in California

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major California cities:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in California. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in California FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens