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Looking for insurance to help with unexpected vet bills? Most major pet insurance companies operate in California, so you’ve got plenty of options to get your furry friend covered. NerdWallet gathered rates and evaluated more than a dozen insurers to help you find the best pet insurance in California in the following categories:
Best pet insurance category | Company winner |
---|---|
Best overall | MetLife |
Best budget pick for dogs | Lemonade |
Best budget pick for cats | Embrace |
Best for comprehensive coverage | ASPCA |
How we found the best pet insurance in California
Our writers and editors follow strict editorial guidelines to ensure the content on our website is accurate and fair, so you can make financial decisions with confidence and choose the products that work best for you.
NerdWallet’s rating system rewards pet insurance companies with broad coverage, a variety of ways to customize your plan, a high financial strength rating and a good customer experience. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale. Here’s the full methodology behind our pet insurance ratings.
Best overall: MetLife
Best overall 5.0 NerdWallet rating MetLife sells customizable plans for dogs, cats and even other animals in some states. on MetLife's website Pay vet directly No Scope of coverage Excellent Ability to customize plan Excellent Best overall on MetLife's website 5.0 NerdWallet rating MetLife sells customizable plans for dogs, cats and even other animals in some states. Pay vet directly No Scope of coverage Excellent Ability to customize plan ExcellentMetLife
MetLife
Why it’s the best
MetLife had the highest raw score of all the companies NerdWallet evaluated, thanks to its combination of strong coverage and useful features. MetLife’s policies cover things like alternative and complementary medicine, treatment for dental diseases, prescription food and end-of-life expenses. In most states, MetLife also offers free grief counseling sessions with a counselor if you lose your pet.
MetLife will cover pets of all ages, with no age restrictions. And if your pet stays healthy, your deductible could drop by $25 or $50 for each year you go without receiving a claim reimbursem*nt. (A deductible is the amount you pay in vet bills before your insurer starts reimbursing you.)
Learn more with our MetLife pet insurance review.
Best budget pick for dogs: Lemonade
Budget pick for dogs 4.0 NerdWallet rating Lemonade boasts a seamless online experience and quick claims, but its default coverage is more limited than some other plans. on Lemonade's website Pay vet directly No Scope of coverage Average Ability to customize plan Average Budget pick for dogs on Lemonade's website 4.0 NerdWallet rating Lemonade boasts a seamless online experience and quick claims, but its default coverage is more limited than some other plans. Pay vet directly No Scope of coverage Average Ability to customize plan AverageLemonade
Lemonade
Why it’s the best
Lemonade offered the cheapest rate for our sample dog in Los Angeles, and it’s also one of our cheapest pet insurance companies overall. The company’s base accident and illness plan covers the essentials, such as medicine, diagnostic tests, surgeries and hospitalizations. For an extra cost, you can customize your plan to cover things like physical therapy, treatment for dental illness and vet exam fees.
One perk of Lemonade pet insurance is how the company deals with claims. Once you file through the Lemonade app, the company uses artificial intelligence to scan for fraud and then pays some claims almost instantly. Another unique feature is Lemonade’s Giveback program, which donates excess profits to charities chosen by policyholders.
Learn more with our Lemonade pet insurance review.
Best budget pick for cats: Embrace
Budget pick for cats 5.0 NerdWallet rating Embrace has many ways to customize your plan, plus coverage for curable pre-existing conditions. on Embrace's website Pay vet directly No Scope of coverage Good Ability to customize plan Excellent Budget pick for cats on Embrace's website 5.0 NerdWallet rating Embrace has many ways to customize your plan, plus coverage for curable pre-existing conditions. Pay vet directly No Scope of coverage Good Ability to customize plan ExcellentEmbrace
Embrace
Why it’s the best
The cheapest rate we found for our sample cat was from Embrace, which offers comprehensive, customizable plans. Its accident and illness policy includes consultations with behavioral specialists, up to $1,000 per year to treat dental illnesses, and complementary treatments like acupuncture and laser therapy. Embrace will also cover curable pre-existing conditions that have been symptom-free for at least a year.
You can use the company’s highly rated app to see policy documents, add new pets to your policy or file claims. You can also log in on the website to access the PawSupport telemedicine service, available at no charge to Embrace policyholders.
Learn more with our Embrace pet insurance review.
Best for comprehensive coverage: ASPCA
Comprehensive coverage 5.0 NerdWallet rating ASPCA offers generous coverage and multiple plan options, including an accident-only policy. on Money.com Pay vet directly No Scope of coverage Excellent Ability to customize plan Average Comprehensive coverage on Money.com 5.0 NerdWallet rating ASPCA offers generous coverage and multiple plan options, including an accident-only policy. Pay vet directly No Scope of coverage Excellent Ability to customize plan AverageASPCA
ASPCA
Why it’s the best
ASPCA’s policies include coverage that some other pet insurers charge extra for (or don’t cover at all), such as prescription food, microchipping, treatment for dental illness and behavioral therapies. You can also add a plan to cover preventive care expenses like vaccinations and annual checkups.
We like that ASPCA has a straightforward 14-day waiting period for all accidents and illnesses, including orthopedic injuries. A waiting period is the time between when you buy your policy and when your coverage begins.
Learn more with our ASPCA pet insurance review.
Full list of the best pet insurance in California
Looking for more options? Here are all the pet insurers in California that earned a 5-star NerdWallet rating. Unless otherwise noted, sample rates are for 2-year-old mixed-breed dogs and cats with a $250 deductible, $5,000 in annual coverage and an 80% reimbursem*nt rate.
Company | NerdWallet star rating | Sample monthly rates |
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ASPCA | 5.0 NerdWallet rating |
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Embrace | 5.0 NerdWallet rating |
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Figo | 5.0 NerdWallet rating |
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MetLife | 5.0 NerdWallet rating |
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Nationwide | 5.0 NerdWallet rating |
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Pets Best | 5.0 NerdWallet rating |
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Spot | 5.0 NerdWallet rating |
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*Nationwide policies include a $10,000 annual limit and 70% reimbursem*nt rate. |
» MORE: The best pet insurance companies
Cheap pet insurance in California
Here are the cheapest insurers we found in California for dogs and cats, based on quotes we gathered in Los Angeles. Our sample pets were 2-year-old mixed-breed dogs and cats with a $250 deductible, $5,000 in annual coverage and an 80% reimbursem*nt rate.
Your own prices may be different depending on where you live, the coverage you choose, and your pet’s age and breed.
Cheap pet insurance in California for dogs
Company | NerdWallet star rating | Sample monthly rate |
---|---|---|
Lemonade | 4.0 NerdWallet rating | $35 |
ASPCA | 5.0 NerdWallet rating | $37 |
Figo | 5.0 NerdWallet rating | $37 |
Hartville | 4.0 NerdWallet rating | $37 |
MetLife | 5.0 NerdWallet rating | $37 |
Spot | 5.0 NerdWallet rating | $37 |
AKC | 4.5 NerdWallet rating | $39 |
Cheap pet insurance in California for cats
Company | NerdWallet star rating | Sample monthly rate |
---|---|---|
Embrace | 5.0 NerdWallet rating | $20 |
ASPCA | 5.0 NerdWallet rating | $21 |
Hartville | 4.0 NerdWallet rating | $21 |
Spot | 5.0 NerdWallet rating | $21 |
Figo | 5.0 NerdWallet rating | $22 |
Lemonade | 4.0 NerdWallet rating | $23 |
MetLife | 5.0 NerdWallet rating | $25 |
» MORE: Is pet insurance worth it?
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to pet insurance; a company's rating for other products may be different on our site. See our criteria for evaluating pet insurance companies.
Learn more about California insurance |
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NerdWallet has many more California insurance guides. For more information, check out our articles below:
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