Finding the Best Pet Insurance California can be a challenging task. Pet owners want to ensure their furry friends get the best care without breaking the bank. Below, we have a detailed comparison of the top pet insurance plans available in California. This guide will help you choose the best policy for your pet's needs.
Top 8 Pet Insurance Plans Compared (October 2025)
Updated on October 1, 2024, by Matthew H. Nash – Licensed Insurance Agent.
Buying pet insurance for your dog or cat can be daunting. As a lifelong pet owner and a nationally licensed insurance agent, Matthew understands the frustration when trying to determine the best pet insurance company. Since 2020, they have helped thousands of pet parents select the ideal pet insurance policy for their fur babies. Their objectively ranked comparison table is trusted by emergency veterinarians, groomers, service dog professionals, dog trainers, and many more.
| Insurance Provider | SwiftScore | Standard Plan Cost (Monthly) | Reimbursement Amount | Annual Benefit | Special Features |
|---|---|---|---|---|---|
| Lemonade | 4.9 | $26.31 | 90% | $20,000 | Affordable rates, world-class user experience, donations to nonprofits |
| ASPCA | 4.7 | $44.84 | 90% | $5,000 | Easy to visit any licensed vet in US or Canada, accident-only plans available |
| Figo | 4.7 | $36.24 | 90% | $5,000 | 24/7 vet video chat, easy-to-use app, real-time claims tracker |
| Fetch Insurance | 4.6 | $49.12 | 90% | $5,000 | Use any licensed vet in US or Canada, quick claim reimbursement |
| Odie Insurance | 4.6 | $32.63 | 90% | $10,000 | Multiple plan options, free 24/7 vet video chat, high annual benefit option |
| Pumpkin Pet Insurance | 4.5 | $63.48 | 90% | $10,000 | No breed or age restrictions, dental and hereditary conditions covered |
| Embrace | 4.5 | $47.71 | 90% | $5,000 | Deductible decreases $50 each year without a claim |
Credit: www.usatoday.com
Lemonade
Lemonade offers the best all-around pet insurance policy at affordable rates. Their user experience is world-class, and it's easy to get support from their award-winning customer service team. Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders.
- Cost: $26.31/month
- Reimbursement: 90%
- Annual Benefit: $20,000
ASPCA
ASPCA makes it easy to visit any licensed vet in the US or Canada. They also offer affordable “accident-only” plans in addition to their preventative care coverage. ASPCA has insured more than 600,000 pets while processing more than 2.2 million claims. Founded in 1997 and underwritten by Crum & Forster.
- Cost: $44.84/month
- Reimbursement: 90%
- Annual Benefit: $5,000
Figo
Figo offers users an amazing complimentary service to connect with vets via video chat 24/7. They also have an easy-to-use pet records app and real-time claims tracker. Founded in 2013 and underwritten by Independence American Insurance Company.
- Cost: $36.24/month
- Reimbursement: 90%
- Annual Benefit: $5,000
Fetch Insurance
Fetch makes it easy to use any licensed vet in the U.S. or Canada. Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit. Protecting 400,000+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot.
- Cost: $49.12/month
- Reimbursement: 90%
- Annual Benefit: $5,000
Odie Insurance
Odie has several options available to suit any pet parent’s budget including: complete coverage, injury & illness, and accident-only plans. They also offer a free 24/7 video chat with vets and give the option for a $40,000 annual benefit. Founded in 2019 and underwritten by Trisura Insurance Company.
- Cost: $32.63/month
- Reimbursement: 90%
- Annual Benefit: $10,000
Credit: www.sfgate.com
Pumpkin Pet Insurance
Pumpkin Pet Insurance plans have extensive coverage and offer up to a 90% reimbursement rate. They have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost. Founded in 2020 and underwritten by United States Fire Insurance Company.
- Cost: $63.48/month
- Reimbursement: 90%
- Annual Benefit: $10,000
Embrace
Embrace offers a unique “Healthy Pet Deductible” feature that allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement.
- Cost: $47.71/month
- Reimbursement: 90%
- Annual Benefit: $5,000
Frequently Asked Questions
What Is The Best Pet Insurance In California?
Lemonade is highly rated for its affordable rates and excellent customer service.
How Much Does Pet Insurance Cost In California?
Costs vary; for example, Lemonade costs around $26. 31 per month for standard coverage.
Does Pet Insurance Cover All Vets In California?
Most plans, like ASPCA, allow visits to any licensed vet in the US or Canada.
What Is The Average Reimbursement Rate For Pet Insurance?
Many top plans, including Figo, offer up to 90% reimbursement on claims.
Conclusion
Choosing the Best Pet Insurance California depends on your pet's specific needs and your budget. Lemonade offers the best overall value, but other plans like ASPCA and Figo provide unique benefits that might be more suitable for your situation. Ensure to review each option and select the one that best fits your pet's health requirements.
For more detailed comparisons and to find the best plan for your pet, visit our comprehensive guide on Best Pet Insurance California.
