Best Pet Insurance in California 2024

Pet insurance in California is surprisingly affordable, and it helps to ensure that if the worst should happen, your furry friend can get the treatment they need.

Why Pet Insurance in California is Important

In the picturesque state of California, pets are an integral part of our families, providing boundless joy and companionship.
Get a free pet insurance quotes and find the best plan for your pets.
But, with 1 out of 3 pets needing emergency vet care in their lifetime, many pet parents live with constant stress, wondering if they can afford treatment should something happen. And that’s where pet insurance becomes crucial. Pet insurance in California is surprisingly affordable and helps ensure your fur baby gets the care they need should an unexpected accident or illness occur.

How to Choose the Best Pet Insurance in California

Vet bills are expensive, and 80% of pet parents say they could not afford a $5,000 vet bill if the worst happened. Having pet insurance in California is the best way to protect your pet against injury, illness, and other emergencies. With some plans paying up to 90% of the vet bills, insuring your pet is one of the most important investments you can make. 

But how do you choose a pet insurance policy that’s right for you? That’s where we come in. Pet Insurance Review is an unbiased source of information to help you make the best financial decision for your family. We compare prices from pet insurance providers across the state that have proven track records for quality coverage and a willingness to stand by pet parents when they need help. 

But perhaps even more important, we have collected over 150,000 honest reviews of pet insurance providers from pet parents just like you. We use these reviews to rank the top companies in the marketplace. This makes it incredibly easy to find a reputable company with a proven track record of exceptional customer service.

Top Pet Insurance Providers of 2024 in California
Rating Provider Total Review
4.4 AKC 891
4.5 ASPCA 11,682
4.9 Embrace 16,346
4.9 Fetch 7,632
4.2 Figo 2,594
4.7 Hartville 164
4.9 Healthy Paws 9,949
4.9 Lemonade 805
4.6 ManyPets 2,323
4.0 MetLife 615
4.8 Nationwide 21,403
4.3 Pet Assure 12
4.5 PetPartners 112
4.3 Pets Best 12,014
4.6 Pumpkin 1,406
4.6 Spot 6,737
4.9 Trupanion 64,967
4.8 Prudent Pet 125

How Much is Pet Insurance in California?

Cost of pet insurance coverage in California will vary based on a few different factors. Your specific location and zip code definitely comes into play. Those pet parents residing in a big city in California will likely pay more than those in a smaller, rural area. 

The age of your pet will also impact your monthly premiums. Like older people, older pets tend to have more health issues that require more medical care. That’s why it’s always a good idea to enroll your fur baby when they are young and healthy as you’ll get the lowest rate possible.

And finally, your fur baby’s breed and species will also impact price. Dogs will usually cost a bit more than cats to insure, and certain breeds of dog with certain hereditary conditions may cost even more.

To give you a general idea of how much it costs to insure dogs and cats in California, take a look at the following charts:

Most popular dog breeds insured in California

Breed Average Monthly Cost
Other Mixed Breed $64.19
Golden Retriever $73.25
French Bulldog $86.72
Sheepadoodle $57.81
Pit Bull $99.09
Biewer $46.97
Goldendoodle $46.12
Chihuahua $48.30
Yorkshire Terrier $32.06
Poodle - Toy $63.34
Data source date 60 days, cost based on user selected average

Most popular dog breeds insured in California

Breed Average Monthly Cost
Other Mixed Breed $32.39
Domestic Short Hair $24.80
Tabby $44.44
Peterbald $95.17
American Shorthair $100.58
Tuxedo $10.56
American Long Hair $54.17
Siamese $44.62
Scotish Fold $78.81
British Shorthair $30.79
Data source date 60 days, cost based on user selected average

The best pet insurance in California really comes down to a policy you can comfortably afford with a provider who has a history of taking excellent care of their customers. We hope to help you find just that!

Our Pet Parents reviews

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5

out of 5

Great experience!

Awesome experience at Modern Vet! Dr. Matt and staff were amazing! Thankful for great care by people who love what they do and do it well!

BY: Tiara Atkinson

POSTED: 07/21/2024

5

out of 5

Excellent

We haven’t had any issues with coverage and the claim process is easy and quick.

BY: Damaris Rodriguez

POSTED: 11/02/2024

5

out of 5

Cancer and my Boxer

Embrace provided excellent coverage when my boxer was diagnosed with cancer of the jaw and had to have a jaw removal and then chemotherapy. This was the second boxer with cancer, and for the first one they paid out over $18K over two years which is a LOT to provide the excellent care required by ly...

BY: Linda Powell

POSTED: 06/13/2024

5

out of 5

Fetch by the Dodo

I have had the Fetch insurance on my German Shepherd Dog since he was 3 months old Insurance is expensive but is well worth having My dog had surgery and ended up with an infection and Fetch paid a considerable amount of the bill which was $2,000.00.

BY: Lu-Ann Czapla

POSTED: 04/25/2024

5

out of 5

Happy with FIGO

I've been with FIGO for alsmost 9 years now, 8 German Shepherds. They've been a great company to do business with. Claim's are processed quickly. Price is fair even with the increases that they all do every year. Will never go without pet insurance.

BY: Dina Hall

POSTED: 02/22/2024

5

out of 5

Strongly recommend

I strongly recommend Hartville pet insurance. First of all, read your policy and know what is covered and what isn’t, and then you won’t be disappointed and leaving poor reviews. That said, this insurance has been fantastic for me and my pets. I have had four dogs under policies and yes, it’s a big...

BY: Lisa Burns

POSTED: 12/22/2023

5

out of 5

excellent unsirance

excellent insurance coverage for marley and casper. great coverage and quick reimbursement turnaround. highly recommended

BY: sue lawson

POSTED: 11/04/2024

5

out of 5

Thank you for your service

Always easy to claim my insecurities , takes about few minutes to fill up all the questions . Never had any problems getting my money back. Money is returned within a couple of minutes. Thank you for your service!

BY: Iryna Semenenko

POSTED: 08/21/2024

5

out of 5

ManyPets Insurance

I have had excellent experiences with ManyPets! Their customer service is always outstanding and claims are settled in a very timely manner. I have 2 dogs covered by this company.

BY: Sharon Johnson

POSTED: 03/28/2024

5

out of 5

MetLife is the Best

MetLife has been an absolute life saver for us. I highly recommend them for your pet insurance needs. Customer service is awesome. Easy to submit claims and everything is thoroughly explained

BY: Ursula Bedeaux

POSTED: 11/01/2024

5

out of 5

Love my Nationwide

I have a chocolate lab who is mischievous to say the least and full of allergies. We visit Dr Brad of Davis Animal hospital on a regular visit for his shots. It’s so easy , take a photo of the statement, upload and Bam. Check arrived about 5 days give or take a day or so. Highly recommend Nation...

BY: Betty Stroll Pass

POSTED: 10/03/2024

5

out of 5

Fast and Easy

Impressed with the ease of submitting my claim. Customer service was very helpful guiding me through the claim steps! Highly recommended

BY: Jazz Miller

POSTED: 01/19/2023

5

out of 5

Arshy Torres

Excelente!!!

BY: Tilka Torres

POSTED: 09/22/2021

5

out of 5

I will probably gift Pet's Best Insurance for Christmas to my newest grand-dog's family

Without Pet's Best Insurance we would not have been able to afford treatment for our 11 year old mobility service dog--despite the years of dedicated service he has given us. We may have had to make an end of life decision last January when he was diagnosed with a brain tumor and was having seizure...

BY: Michael or Susan Vecchione

POSTED: 10/24/2024

5

out of 5

Covered dog's emergency visit and TPLO surgery due to injury/CCL tear

We are lucky we signed up for pumpkin. We talked about it for a while and never did and then decided to right before a trip and an annual checkup with the vet. That week, our dog went to jump on the bed and tore her right CCL and needed TPLO. Had to send pumpkin a million documents from her vet visi...

BY: Kortney Babington

POSTED: 12/11/2023

5

out of 5

My happy and healthy pups!

The care group are kind and caring! Dr.Colon is amazing wouldn't go to any other place for my two furry babies!

BY: Margie T Gonzalez

POSTED: 08/22/2024

5

out of 5

Pet Insurance is INVALUABLE

I took out Trupanion Insurance per the advice of our vet, in 2009, when our dog Mr. Bryce, (Rescued from an abusive situation), a German Shep/Golden Retriever and Chow mix, was one year old. Trupanion paid 90% coverage for the same condition, of which for most of his life was occasional Colitis-rela...

BY: Valerie Griffin

POSTED: 10/11/2024

5

out of 5

Without a doubt…

Without a doubt, the best pet insurance one should buy for their loved one (pet). The quality of service and customer care is bar none; and the assurance that they will ease the burden in those critical imes of need, is truly what convinced me that Prudent Pet is my choice ! Thanks

BY: Victor B

POSTED: 11/04/2020