Best Pet Insurance in California 2025
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
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.
| Rating | Provider | Total Review |
|---|---|---|
| 4.4 | AKC | 893 |
| 4.5 | ASPCA | 11,951 |
| 4.9 | Embrace | 19,056 |
| 4.9 | Fetch | 26,668 |
| 4.2 | Figo | 2,708 |
| 4.6 | Hartville | 173 |
| 4.9 | Healthy Paws | 10,308 |
| 4.9 | Lemonade | 808 |
| 4.6 | ManyPets | 2,418 |
| 4.2 | MetLife | 1,568 |
| 4.8 | Nationwide | 21,412 |
| 4.1 | Pet Assure | 14 |
| 4.4 | PetPartners | 116 |
| 4.3 | Pets Best | 13,354 |
| 4.7 | Pumpkin | 1,805 |
| 4.6 | Spot | 8,704 |
| 4.9 | Trupanion | 61,390 |
| 4.8 | Prudent Pet | 2,070 |
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:
| Breed | Average Monthly Cost |
|---|---|
| Other Mixed Breed | $64.81 |
| Miniature Australian Shepherd | $0.00 |
| Poodle - Standard | $42.94 |
| Goldendoodle | $82.98 |
| French Bulldog | $155.89 |
| Golden Retriever | $97.98 |
| German Shepherd | $143.00 |
| Cavapoo | $64.76 |
| Malti-Poo | $65.16 |
| Australian Shepherd | $41.20 |
| Breed | Average Monthly Cost |
|---|---|
| Ragdoll | $33.31 |
| Other Mixed Breed | $55.79 |
| Domestic Short Hair | $25.27 |
| American Shorthair | $14.77 |
| Siamese | $19.20 |
| Tuxedo | $24.34 |
| Devon Rex | $39.40 |
| Bengal | $58.18 |
| Turkish Van | $0.00 |
| Tabby | $0.00 |
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
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
out of 5
Jordy’s stomach issue
Jordy started throwing up daily, I took him to our local clinic, they took X-rays. He was referred to Nelson’s Veterinary Clinic to be further examined by Dr. T. Taylor. Jordy was diagnosed with an obstruction inside his stomach at rectum. He had surgery the next day. A growth was removed and sent f...
BY: Anthony Olah
POSTED: 07/02/2025
out of 5
Amber
Amber is the best . She is super awesome and has my loyalty. She’s so good to the point where I had to inform my Vet about her and the services she provide. She really cares about the kiddos and mines. She gave great advice to me about my kiddos. I was given another quote by Chewy when I spoke with...
BY: Troi McAndrews
POSTED: 05/14/2025
out of 5
Timely and Reliable
During the first two years of our dog’s young, active life, he’s had a series of mishaps. Fetch has always paid promptly and reliably. We just adopted a shelter cat, and I’ve had such a great experience with them that I’ve covers him too. They did increase our rate for a year, but then actually just...
BY: Katherine Bachrach
POSTED: 04/17/2025
out of 5
Can't recommend Figo Pet Insurance enough!
I can’t say enough good things about Figo Pet Insurance. When I got my kitten, I honestly didn’t think I’d need insurance—she was only 8 months old, and friends even told me it would just be a waste of money. But life happens, and sure enough, my sweet kitten ended up injuring herself. I was so r...
BY: Olga Knauer
POSTED: 04/16/2025
out of 5
Hartville Really Helped!
We have multiple cats and each have coverage through Hartville. When our sweet Millie had an emergency vet visit due to complications with her FeLV diagnosis, Hartville swiftly processed the claim and provided the reimbursement we needed. I’ve had other pet insurance before and Hartville is the only...
BY: Stephanie Chance
POSTED: 06/13/2025
out of 5
Healthy Paws Insurance Coverage
We've been pleased with our experience to date with Healthy Paws insurance. Our dog needed TPLO surgery about 3 weeks ago and the policy has covered exactly what we expected based on the policy documents. Claims have been processed on a timely basis and are straightforward to submit once you have...
BY: PATRICIA MCCRINDLE
POSTED: 07/05/2025
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
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
out of 5
Insurance
Response to claims are very timely. My dog is young but she did have a non-critical issue I did not expect. Price went up significantly for me as my income is social security but it seems to be comparable to other insurers these days. I feel this company is quite reputable.
BY: Janice Weir
POSTED: 07/06/2025
out of 5
Nationwide Pet Insurance has excellent customer service
I have had Nationwide Pet Insurance for over 10 years, and I have never had any issue. They have an easy to use website to open new claims and review the status of all claims. I have used the vet line for questions about issues with my dogs. My dogs are my family, and I would not work with a comp...
BY: Vicki Broman
POSTED: 05/01/2025
out of 5
Are you searching for parrots for sale in the UK
Are you searching for parrots for sale in the UK? Whether you're dreaming of a vibrant Blue and Gold Macaw, a charming African Grey, or a playful Amazon parrot, your perfect feathered companion is just a few clicks away. At Parrot Patch, we offer healthy, hand-reared parrots that are friendly, talka...
BY: jansen dolce
POSTED: 05/22/2025
out of 5
out of 5
Pets best is great!
My cat was diagnosed with moderate to advanced heart disease and pets best has been there for it all. They have made the process for filing claims simple and it has really helped during this difficult time. The quick reimbursement helps too since we have had many, many doctor's appointments and medi...
BY: Hannah Taylor
POSTED: 07/07/2025
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
out of 5
Tried multiple companies and spot has been the best
I don't have much to say except that I've been with a few pet insurance companies over the year, and Spot has been one of the most cost-efficient (especially for our older dogs) and has been one of the easiest to process claims with. As expected, new conditions took a little longer to process (a co...
BY: Brian McElhenny
POSTED: 01/12/2025
out of 5
Trupanion: Best Pet Insurance
We are beyond grateful for Trupanion. They have gone above and beyond to help us care for our dachshund. Highly recommend!
BY: Theresa Cirone-Hornickel
POSTED: 05/22/2025
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
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FAQ
Is pet insurance worth it in California?
Yes, pet insurance can be worth it in California due to the high cost of veterinary care. With access to top-tier veterinary hospitals and specialists in California, unexpected illnesses or injuries can result in significant bills. Pet insurance helps pet owners manage those unexpected costs.
What is the average cost of pet insurance in California?
The average cost of pet insurance in California typically ranges from $30 to $60 per month for dogs and $15 to $30 for cats, depending on factors like breed, age, location, and the coverage plan chosen.
Which pet insurance companies are popular in California?
Some of the most popular pet insurance providers in California include Healthy Paws, Trupanion, Nationwide, ASPCA Pet Health Insurance, and Embrace. These companies are known for offering customizable plans and strong customer reviews.