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 | 11,889 |
| 4.9 | Embrace | 18,597 |
| 4.9 | Fetch | 26,418 |
| 4.2 | Figo | 2,619 |
| 4.6 | Hartville | 171 |
| 4.9 | Healthy Paws | 10,210 |
| 4.9 | Lemonade | 808 |
| 4.6 | ManyPets | 2,387 |
| 3.8 | MetLife | 748 |
| 4.8 | Nationwide | 21,412 |
| 4.0 | Pet Assure | 13 |
| 4.5 | PetPartners | 115 |
| 4.3 | Pets Best | 13,017 |
| 4.7 | Pumpkin | 1,700 |
| 4.6 | Spot | 8,209 |
| 4.9 | Trupanion | 60,990 |
| 4.8 | Prudent Pet | 1,858 |
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 | $47.65 |
| Golden Retriever | $50.11 |
| French Bulldog | $138.97 |
| Poodle | $53.88 |
| Miniature Australian Shepherd | $53.11 |
| Maltese | $0.00 |
| Goldendoodle | $0.00 |
| Chihuahua long-haired | $53.20 |
| Biewer Terrier | $0.00 |
| Shih Tzu | $0.00 |
| Breed | Average Monthly Cost |
|---|---|
| Other Mixed Breed | $25.37 |
| Domestic Short Hair | $59.28 |
| American Shorthair | $32.67 |
| Tabby | $37.79 |
| American Domestic | $34.26 |
| Tuxedo | $19.72 |
| Siamese | $55.39 |
| Domestic Medium Hair | $31.73 |
| Bombay | $13.76 |
| American Medium Hair | $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
Surf Paws Animal Hospital Killed my pet dog
Started taking my pet dog here since 2020 then in 2022 found out from another veterinarian Dr. Cristina Miliaresis collasped my pet dogs trachea. It was a Sock. Then kept taking my pet dog here because Dr. M admitted it to me. I wish I had changed vets. So much regrets because here we are in March/2...
BY: a tsuji
POSTED: 04/29/2025
out of 5
Wouldn't have a pet without insuring it with Embrace
I have had wonderful experiences with them and have had them for over 10 years. I have never had an issue with any claims and submitting a claim is super easy. I have it set up so the refund goes directly into my checking and is there within days of submitting my claim. I tell everyone about Embrace...
BY: Maureen Bland
POSTED: 05/08/2025
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
Thank you, Hartville pet insurance.
Our beloved cat had an accident and fractured her back leg. She needed surgery, which was very expensive. After I paid for everything and I submitted the claim, I was ready to fight for the reimbursement, like you always have to do with insurances. Three days after, the claim was accepted, no quest...
BY: Maria Ortiz
POSTED: 02/22/2025
out of 5
Excellent pet insurance
I am so glad that I chose healthy paws for my dogs insurance. My poor pup had cancer with 2 required surgeries. Thank goodness we had great insurance. Reimbursement is very fast and fair. This company goes above and beyond caring for their customers and pets! I highly recommend Healthy Paws insuranc...
BY: Becky Knock
POSTED: 05/05/2025
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
Met Life Pet Insurance
I knew I would need pet insurance when Archie was about 6 months old. I chose Met Life for their exceptional reputation. I built my own plan (there are options) that I thought would best fit our needs. Insurance is to protect one from financial harm, no one ever buys insurance hoping to use it! M...
BY: Susan Arthur
POSTED: 05/11/2025
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
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
out of 5
out of 5
Easy Claims and Payments
In the last 2 years, we have had more claims that I would like with my sweet pup and Pets Best has been there to rely on. My girl got very sick and had to be hospitalized for several days. I was so thankful that I didn't have to worry about the cost, knowing I had a reliable insurance company. They...
BY: Candace Choplin
POSTED: 05/12/2025
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 surgery
I have had my dog insured with true opinion since he was just under a year old I have not had to really use the insurance until this year when a liver mass was found. He needed a CT scan and surgery, which was going to cost around $11,000. The specialty hospital works directly with Trupanion so I di...
BY: Siobhan Fitzgerald
POSTED: 04/10/2025
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.