Best Pet Insurance California for Dogs & Cats

Pet insurance California reviews: Maintaining your pet’s health is an important part of caring for your pet, and at some point, you may have to pay for expensive vet bills and necessary medical or welfare treatment.

An insurance policy for pets can provide relief from those unexpected expenses and protect your pet in case of illness or injury. Affordable pet insurance in California.

To help you find the best pet insurance plan for you and your pet, we at the Home Media Review team have compiled a list of the best pet insurance coverage on the market.

What is pet insurance?

Best Pet Insurance California: According to a 2021 survey of pet owners, 35% admitted to knowing little about pet insurance and, therefore, did not enroll their pet in a health care policy.

At the Review team, we want to give you a detailed breakdown of what pet insurance is, how much it costs, and the top providers, so you can make an informed decision about which pet insurance is right for you and your faithful companion. correct or not.

Just like your personal health insurance, pet insurance is designed to relieve you of the burden of unexpected medical bills.

If your health insurance provider pays your veterinarian directly under your policy, your pet insurance provider will reimburse you in the United States for up to 90% of the vet bills you paid for your covered pet from any licensed veterinarian in the United States. Pet insurance California pre-existing conditions.

Every pet insurance policy comes with an annual limit, which is the maximum amount the provider agrees to pay for your pet’s veterinary expenses in a year.

Your policy’s deductible is the amount you owe out of pocket during a claim before your pet is covered.

Types of Pet Insurance Plans

Pet insurance California costs, Most companies offer accident and sickness plans, and some offer accident-only plans for low monthly premiums.

Some companies may also offer an optional healthcare plan that can be added to your policy for an additional monthly fee.

Here’s more information about each pet insurance plan option:

  • Accident Only Plan
  • Accident and sickness plan
  • Health or preventive care

Best Pet Insurance Provider in California

Best Pet Insurance California:

Lemonade Pet Insurance

Lemonade offers renters insurance, homeowners insurance, and pet insurance to customers nationwide.

Its pet insurance policies are more affordable than many competitors, making them especially attractive to pet parents who want to spend less.

Lemonade has an impressive mobile app for managing your pet’s health, filing claims, and tracking your policy coverage and billing.

Spot pet insurance

Spot Pet Insurance is a low-cost accident-only plan. Because its policies are more customizable than most competitors, with annual limit options unlimited from $2,500, you can find the right amount of coverage at an affordable rate.

Additionally, Spot’s policies cover certain items, such as exam fees and microchipping, that are not offered by many other pet insurance providers.

Trupanion Pet Insurance

Trupanion is one of the most well-known pet insurance companies, scoring an A+ rating with the BBB and receiving positive customer reviews since its founding in 1998.

Keeps it simple with a comprehensive pet insurance plan, offering accident-and-disease coverage for dogs and cats up to 14 years old.

Pet insurance California pre-existing conditions, If you choose the $0 deductible, these policy features make it so pet parents only pay a percentage of their bill when they check out at the vet’s office.

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance is on our list of best pet insurance companies because it is one of the most renowned providers in the pet insurance industry and has over 15 years of experience.

Its policies are serviced by Crum & Forster Pet Insurance Group, which has an A+ rating and is accredited by the Better Business Bureau (BBB) ​​through a partnership with the ASPCA. Pet insurance California for dogs.

Dodo pet insurance

The choice for cat and dog owners interested in treatments and remedies that other pet insurance providers don’t always cover.

This may include holistic care, such as acupuncture and homeotherapy, as well as stem-cell therapy. Fetch provides comprehensive coverage of treatments related to behavioral problems such as separation anxiety or aggression.

Embrace Pet Insurance

Embrace is all about the additional savings it offers pet owners, including the amount you purchase from the pet.

A 10% discount on each additional pet policy, a 5% military there is a discount, and an employee benefits program, which offers a 10% discount to employees of companies that accept pet insurance.

In addition to comprehensive pet insurance, Hug Healthy Pet also offers a deductible, which credits pet owners with $50 of your payments each year you don’t file a claim.

This benefit can reduce your deductible to $0 after your pet has gone several years without being sick or injured.

Healthy Paws Pet Insurance

Unlike pet insurance providers like Lemonade or Hugs, Healthy Break includes unlimited annual and lifetime coverage caps with their policies.

This benefit prevents policyholders from worrying about exceeding a coverage limit and paying out-of-pocket for expensive veterinary bills.

Healthy Paw’s monthly rates are more affordable than monthly premiums for unlimited coverage plans from other competitors such as Prudent Pet or Spot.

Figo Pet Insurance

Figo features on our list of the best pet insurance companies because of its total reimbursement options.

While most companies limit the vet bill amount to 90%, Figo gives you the option to opt for 100% reimbursement.

The provider also offers unlimited annual benefits and a range of useful add-ons to make your plan truly comprehensive, such as liability coverage for damage or injury caused by your pet.

Pumpkin Pet Insurance

Pumpkin is an ideal pet insurance provider for anyone looking for a policy that covers specific items not typically covered by competitors, such as microchipping or exam fees.

This Insurance also stands out for offering a preventive care add-on that fully reimburses your pet’s wellness care prior to policy inception (two weeks prior to the policy inception date).

This includes reimbursement for up to four vaccinations for puppies under six months of age.


Choosing the best pet insurance company in California can help you get the coverage you need to keep your furry friend healthy and happy.

If you prefer comprehensive coverage and technical features, choose Lemonade or Healthy Break for an unlimited annual coverage cap with no incident or lifetime limit.

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