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Pet Insurance in California

Surf dog Ricochet

Pictured: Surf Dog Ricochet

Pet Health Insurance in The Golden State?

We're America's #1 pet insurance agency, proudly offering plans in every zip code from San Diego to Francisco.

Life's a beach when you easily get free pet insurance quotes from the leading companies in California.

The laid-back California lifestyle is perfect for pets, which helps explain why almost 53% of California households share their space with a furry family member.

Golden State pups have as much choice for adventuring as their noses can handle, from exploring the Sierra Nevada to relaxing in Long Beach to sniffing out celebrities in Los Angeles.

And as for Cali-cats? They're kings and queens of their domain wherever they are!

Best Companies in California

Not all pet insurance companies are created equal. Check out our list of the top pet insurance companies and plans for Californians.

Each company's rating is based on a scoring system that evaluates 30 attributes of a pet insurance company that includes coverage, cost, customer satisfaction and company.

See the List: Best Pet Insurance in California

Veterinary Costs in California

With California's winning combination of year-round warm weather and natural beauty, as well as its pet-friendliness (dog beaches! surf dog competitions! cat-and-dog-friendly hotels!), pet owners and their best friends can enjoy outdoor living together. But this lifestyle can also bring some unique challenges and risks to pets.

Condition Cost to Treat
Anemia $500 to $2,000
Aortic Stenosis $3,000 to $6,000
Cancer $5,000 to $20,000
Canine Hip Dysplasia $4,000 to $6,000
Congenital Heart Defect $15,000 to $20,000
Corneal Dystrophy $2,000 to $3,000
Cruciate Ligament Tear $3,000 to $10,000
Dilated Cardiomyopathy $10,000 to $20,000
Disc Disease $3,000 to $9,000
Patellar Luxation $1,500 to $3,000

Source: Dog Health Conditions

California's balmy climate means four-leggers can be particularly at risk of heat stroke, burnt paws, joint injuries, foreign body ingestions and allergies. Plus, pet insurance research has shown that one in three pets will fall sick or get injured this year (Source: Petplan Pet insurance). So it's no surprise that more and more pet owners are turning to pet insurance.

Living the dream in the Golden State isn't cheap. In fact, California is the 4th most expensive state to live in.

This is reflected in the cost of veterinary care in California, which means vet bills can easily run to four figures, even for common treatments.

If you live in a major metropolitan area like Los Angeles, San Francisco or Sacramento you can expect to pay even more if your pet gets sick or injured.

Stats & Figures

State of California Flag

California is the third largest state in the US and is ranked #1 when it comes to the number of pets we quote per month. In fact, California accounts for a staggering 13.2% of all quotes. Its clear Californian pet owners care deeply about protecting their four-legged friends.

And California cares deeply about pet owners.

In 2014, the state of California introduced a new law which added essential consumer protections to pet insurance. These include a new 30-day "free look" period, as well as a requirement that insurance companies must provide baseline information such as reimbursement benefits. This means that pet owners in California"

  • Can try out a policy and ensure they're completely happy before committing
  • Know all the details of their policy, so they can rest assured knowing their furry friend is protected

Customer Reviews

"I enrolled my Labrador Retriever, Tinkerbell, in Healthy Paws plan in January 2013. Best pet parenting decision of my life. Tink was diagnosed with severe canine hip dysplasia in March this year..." Tinkerbell's Full Story

- Roxy, Sacramento


"In September our rescue lab Bart ran down a ravine during one of our hikes and suffered a severely broken leg. The doc said this was common for labs because they often brace their falls and stops putting all the force on their front limbs..." Bart's Full Story

- Gina, San Mateo


"Our dog Barry was diagnosed with cancer 6 months ago and it's been a tough road. He's had 3 chemotherapy treatments and one radiation treatment with 2 more to go..." Barry's Full Story

- Michelle and Steve, Los Angeles

How Much Does it Cost?

The average cost for a three year-old Labrador retriever in California. Here are some sample prices through out state to give you an idea.

San Diego
Los Angeles
San Francisco
$44/month $49/month $52/month

$250 deductible and 90% reimbursement

Learn more: Pet Insurance Cost

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Highest Rated Vet Clinics in California

  • 1. Happy Pets Veterinary Clinic - Valencia
  • 2. Alicia Pet Care Center - Mission Viejo
  • 3. Conejo Valley Vet Clinic - Thousand Oaks
  • 4. San Clemente Veterinary Hospital - San Clemente
  • 5. Above and Beyond Animal Care - Redding



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