Best Pet Insurance in California for 2024

As pet owners, we want to ensure the well-being of our furry friends. One way to protect them from unexpected medical expenses is by investing in pet insurance. Living in California, you have access to a variety of pet insurance providers offering comprehensive coverage for your beloved companions. To assist you in making an informed decision, we have compiled a list of the best pet insurance companies in California for 2023. These insurers have demonstrated their commitment to providing reliable coverage, affordable premiums, and excellent customer service. Read on to discover the top pet insurance options available to ensure the health and happiness of your pets in the Golden State.

Californians looking for pet insurance should check out Spot’s, our #1 rated pet insurance company. Spot sells dog and cat insurance with coverage options ranging from $2,500 to $10,000. We also offer plans with unlimited coverage.

Spot has accident and sickness insurance and accident only insurance. Examples of accidental injuries include cuts, bites, and broken bones. Health insurance can help pet owners offset the cost of treating conditions that require veterinary care, such as cancer. Other examples include immunodeficiency virus in cats and digestive disease in dogs.

Additional benefits are also available to cover your retirement costs. Spot offers two of his wellness options: the Gold Preventive Care Package and the Platinum Preventive Care Package. The Gold plan offers a refund of $250 and the Platinum plan offers a refund of $450.

Like most pet insurance, Spot offers an online application process. Pet owners should take their pet to a licensed veterinarian, specialist, or clinic to get the care they need, and then file a reimbursement claim with their insurance company.

Spot’s policy is for dogs and cats only. Ranked #7 in our rating, Nationwide covers rare pets like birds, reptiles and pot-bellied pigs. No. 8 ASPCA Pet Insurance sells insurance for horses.

Is there a waiting period for Spot pet insurance?

Spot has a 14-day waiting period for coverage to take effect. Illnesses that occur during this waiting period are considered pre-existing conditions and are not covered by insurance.

What does Spot pet insurance not cover?

Like most pet insurance, Spot’s plans don’t cover pre-existing illnesses. Other exclusions include conditions occurring within the insurance waiting period and childcare/accommodation. Wellness care isn’t included in the company’s basic plan, but his two tiers of wellness protection, Gold and Platinum, are available as optional coverage.

How Much Does Pet Insurance Cost in California?

Your pet’s age and location are two factors that determine the price of pet insurance. Our sample premiums are based on premiums for small mixed breed dogs living in Los Angeles. With coverage he has $5,000 in insurance, which costs an average of $27.54 per month for a 2-year-old dog. Insuring a 6-year-old small mixed-breed dog costs $38.60 per month for a plan capped at $5,000.

There is little difference in the cost of dog and cat insurance in California compared to other areas we have studied. A policy with a limit of $5,000 for a 2-year-old shorthair domestic cat in Los Angeles would cost $26.68 per month in the premium example. A 6-year-old cat’s premiums average $37.40 per month.

Example dog and cat prices are based on insurance with an overage of $250 and a 90% refund rate. There are many variables that determine the cost of pet insurance. The best way to find a plan that fits your budget and your pet’s needs is to compare offers from multiple insurance companies.

Cost comparison

Our research shows that monthly pet insurance premiums in California are higher than in other states, but far from the highest in the United States. A typical premium for a 2-year-old small mixed-breed dog in Los Angeles averages $27.54 per month, with a cap of $5,000.

In our research, Seattle had the highest average monthly fee. The premium for a 2-year-old small dog there is $37.85. Example of the cheapest plan we found: In Jacksonville, Florida, premiums for a 2-year-old small mixed breed dog are $14.03/month.

For comparison, insuring the same dog in Philadelphia costs $22.49 per month. In New York City, the premium will be $34.11 per month.

Cat insurance is cheaper in Los Angeles, but not by much. A 2-year-old shorthair cat in Los Angeles has a premium of $26.68 with a limit of $5,000. Cat insurance is more expensive here than elsewhere as dog and cat prices are similar. Still, it wasn’t Los Angeles that had the highest insurance rate for a two-year-old house shorthair, but New York State, at $30.52. The lowest average monthly fee we found was his $11.23 in Jacksonville.

With a sample insurance policy of $5,000, the same cat in Phoenix would cost her $17.11. $17.48 in Denver and $16.29 in Portland.

The cost of pet insurance for dogs

Our sample rates for policies to insure older dogs were significantly higher in most places than policies for younger dogs. The sample cost to insure a small, 6-year-old dog in Los Angeles, with a $5,000 limit, was $38.60 per month. For a policy with no limit, the average monthly rate was $45.14.

The same plans were much cheaper for a 2-year-old dog: For a $5,000-limit policy, the cost is $27.54, and the cost for a policy with no limit is $32.20.

Pet insurance for dogs in U.S. metropolitan areas

Across the metro areas included in our study, there is wide variation between the rates dog owners pay for pet insurance. Our sample rate of $27.54 to insure a small, mixed-breed dog in Los Angeles, at age 2, with a $5,000 coverage limit, compares to an average rate of $37.85 in Seattle, the highest we sampled — and rates as low as $14.57 in Minneapolis, among the cheapest in our study.

Metro areas we studied that have relatively low rates to insure the same pet included Charlotte, North Carolina, at $16.98 per month; and Bridgeport, Connecticut, at $18.51. In Los Angeles, the sample rate for the same policy is $27.54 per month.

Top cities to own a dog in California

Nine cities in California made our list of the Top 50 U.S. Cities to be a Dog Owner. San Francisco was the California city ranked highest, at No. 4. Long Beach was No. 13, Oakland was No. 24, Sacramento was No. 30, San Diego was No. 32, Los Angeles was No. 33, Fresno was No. 44, Bakersfield was No. 47, and San Jose was No. 49.

Our study considered the number of dog parks available and how walkable a city is, and the number of service providers, such as vet clinics. The results found that Portland, Oregon, is the top-rated city for dog owners in the U.S.

The cost of pet insurance for cats

The average cost to insure a 2-year-old domestic shorthair cat in Los Angeles, with a $5,000 limit, was $26.68 per month, according to our sample policy. The cost for the same policy, with unlimited coverage, is $31.20.

Coverage for older cats is more expensive. A policy for a 6-year-old cat, with a $5,000 limit, is $37.40 on average. For a policy with no coverage limit, the sample rate is $43.73.

Pet insurance for cats in U.S. metropolitan areas

Pet insurance costs for cats vary across the U.S. metropolitan areas we studied. Among the highest sample rates we found were in New York City, and the metro area that’s the focus of this article, Los Angeles. Our sample rate to insure a 2-year-old domestic shorthair cat, with a $5,000 coverage limit, is $30.52 in New York. In Los Angeles, the same policy would cost $26.68. Seattle also has a high sample rate, $24.92.

Many cities sampled have less expensive rates. Our sample policy for a 2-year-old domestic shorthair cat shows an average rate of $11.23 per month in Jacksonville, a rate of $11.49 in Indianapolis, $12.43 in Minneapolis, and $12.29 in Detroit.

California law requires all dogs over 4 months of age to be vaccinated against rabies. There is no statewide requirement for cats, but many cities and towns have their own rules regarding licensing and vaccination. California pet owners should check with their local animal welfare agencies to learn about vaccinations, microchipping, and other possible requirements that may apply specifically to their place of residence.

California has enacted laws in recent years aimed at protecting companion animals such as dogs and cats. As a result, while pet stores are still able to partner with rescues and shelters to display animals for adoption, the retail sale of dogs, cats, and rabbits in the state has come to an end. Another law enacted the same year requires all shelters and animal control agencies to microchip dogs and cats with chips containing current information before turning them over to new owners, or returning them to their current owners.

Los Angeles requires dogs and cats to be spayed or neutered after they reach 4 months of age, with some exemptions allowed. The city also requires dog owners to leash their pets when they are taken out in public.

San Diego also has a leash law, requiring that dogs be kept on a leash no more than 8 feet in length at all times, except when at home or in places designated as off-leash areas. These rules apply in city parks. San Diego maintains 20 off-leash dog parks.

San Francisco forbids tethering animals to stationary objects, though running lines, trolleys, and pulley systems are noted as exceptions as long as the pet is wearing the appropriate collar. Adequate food, water, and shelter must be provided for all animals

1 thought on “Best Pet Insurance in California for 2024”

Leave a Comment