Best Pet Insurance in California
Looking for insurance to help with unexpected vet bills in California? You’re in luck because most major pet insurance companies operate in the state, offering numerous options to protect your furry friend. NerdWallet has gathered rates and evaluated over a dozen insurers to help you find the best pet insurance in California.
Top Pet Insurance Providers in California
- Best Overall: MetLife – Offers customizable plans for dogs, cats, and other animals, with no age restrictions for enrollment and coverage for holistic and alternative care.
- Best Budget Picks: Hartville and Spot – Provide affordable rates and comprehensive coverage, including curable pre-existing conditions and alternative therapies.
- Best for Comprehensive Coverage: ASPCA – Offers generous coverage, multiple plan options, and broader coverage than most other plans, including prescription food and microchipping.
How We Chose the Best Pet Insurance
NerdWallet’s rating system rewards pet insurance companies with broad coverage, customization options, high financial strength ratings, and good customer experiences. Our writers and editors follow strict editorial guidelines to ensure accuracy and fairness in our coverage.
Pet Insurance Comparison by Age
For younger animals (2 years old):
- ASPCA: Dog – $37/month, Cat – $21/month
- Hartville: Dog – $37/month, Cat – $21/month
- Spot: Dog – $37/month, Cat – $21/month
For older animals (8 years old):
- ASPCA: Dog – $83/month, Cat – $38/month
- Hartville: Dog – $83/month, Cat – $38/month
- MetLife: Dog – $98/month, Cat – $45/month
Cheap Pet Insurance Options in California
For young dogs (2 years old):
- Costco: $36/month
- ASPCA: $37/month
- Hartville: $37/month
For older dogs (8 years old):
- ASPCA: $83/month
- Hartville: $83/month
- Spot: $83/month
For young cats (2 years old):
- Costco: $18/month
- ASPCA: $21/month
- Hartville: $21/month
For older cats (8 years old):
- Costco: $34/month
- ASPCA: $38/month
- Hartville: $38/month
Trusting Our Ratings
Our pet insurance ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, and customer experience. We encourage you to shop around and compare insurance quotes to find the best rate for you.
Additional Resources
For more information on insurance in California, check out our guides on the best car insurance, cheap car insurance, and home insurance in California.
