Nationwide pet insurance plans cover veterinary care for a wide range of conditions, from broken bones to hip dysplasia. Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions.

Plans may not be available in all states. New policies include a required waiting period. Policy eligibility may vary. Premiums vary based on the age of the pet, species, size as an adult , plan type, deductible, and state of residence.

Wellness plans not available in all states. Already have a licensed veterinarian you know and trust? With Nationwide, you can keep seeing your preferred vet. Your coverage works the same no matter where you go.

There are no networks or pre-approvals to worry about. Traveling with your pet? No problem. Whether in the U. Guidance on everything from general questions to identifying urgent care needs—because early detection is crucial for preventing small problems from becoming big ones.

Show your digital pet insurance ID card at checkout available at my. com after sign up. Skip to main content California pet insurance. Get a quote for California pet insurance All pet owners want the best for their furry family members.

Get a personalized quote Get a personalized quote. Why pet insurance is important if you live in California All pet owners can benefit from insurance coverage in case of emergency. What else is covered? Every Nationwide pet insurance member in California enjoys: Always There Pet Care SM. Insuring your animal at an early age is the best way to maximize your coverage and avoid denied claims.

For example, Fetch offers an advantage by allowing coverage to start when your pet is just six weeks old — typically before many health issues present themselves. For example, if you have a vaccinated indoor cat, you may not be as worried about the probability of illness.

An accident-only plan would still cover accidental injuries from chewing cords, falling from heights, eating poisonous houseplants and more at a lower cost. Most pet insurers allow you to customize components of your policy, enabling you to adjust the amount of coverage you receive and the cost.

Here are the key components of pet insurance policies and how they affect your bottom line:. Whether you have multiple furry friends or a history of military service, you can save money on pet insurance by selecting a provider with discounts that match your situation.

The following are common pet insurance discounts:. We recommend you get a quote from at least three pet insurance providers on this list. The cost of pet insurance can vary significantly depending on the level of coverage you want and the details of your pet, among other factors.

That said, our team collected and reviewed actual quotes from top pet insurers to find the providers with the lowest prices. We obtained quotes for the following pets:. Pet insurance can save you money if your pet experiences an emergency accident or illness and requires expensive veterinary care.

Here is an example. You consent to the treatment and file a claim. The following chart shows the amount an average pet owner can expect to save each year when they enroll in a comprehensive pet insurance plan that covers vet visits, medication, emergency care, vaccines, and spaying or neutering.

Monthly pet insurance costs in each state were found by averaging the price of 4 pet care plans for 11 providers for a total of 38 quotes averaged. The cost to own a pet was calculated through a Guides Home Team analysis of the annual reoccurring costs of pet care.

Our team only considered the pet care costs that would be covered by pet insurance in calculating yearly savings. Simply put, the younger your pet is, the cheaper it is to insure. This is because puppies and kittens are less likely to experience health complications than older animals and therefore present a smaller risk to insurers.

Some insurers even impose an age cutoff for coverage or charge more for senior pets. Additionally, it can be financially advantageous to enroll your animal before pre-existing conditions develop and exclude your pet from insurance coverage.

However, whether cheap pet insurance is worth it for you depends on your needs and the methods you use to reduce the cost of coverage. An accident-only plan may be worth it for a pet parent of an indoor cat but it might not be enough coverage for an energetic puppy with free reign outdoors.

Becky Simmonds, dog trainer and behaviorist at Breed Advisor, said, "Unexpected veterinary expenses can be very costly, and pet insurance can help cover these costs.

If you are worried about being able to afford unexpected veterinary bills, pet insurance can provide financial protection for your pet. Additionally, cheap pet insurance is not inherently inferior to more expensive options in terms of coverage and plan details.

Our top picks in this article all offer full-service accident and illness plans that can protect pet parents financially after a wide variety of pet emergencies. There is no special qualification for cheap pet insurance.

Details about your pet, such as its species, age and pre-existing conditions, may determine its eligibility for any given plan. The providers on this list offer high-quality pet insurance at affordable prices , making it easy to find an excellent policy in your price range.

Lemonade consistently offers low prices across multiple states, but Spot or ASPCA may be a good choice for pet parents who want affordable accident-only coverage. Yes, wellness care add-ons can be worth it. Additionally, the average annual price of a preventive care add-on is less than these combined services.

There are pet insurance policies without deductibles. However, remember that some pet insurance policies with no deductible require a much higher premium. MarketWatch Guides Pet Insurance The Cheapest Pet Insurance Companies February Updated: February 05, Written by Mike Miller Written by Mike Miller Senior Writer Mike Miller is a writer with a decade of experience producing product and service content to help consumers make informed purchasing decisions.

Edited by Tori Addison Edited by Tori Addison Editor Tori Addison is an editor who has worked in the digital marketing industry for over five years. Reviewed by Dr. Patrik Holmboe Reviewed by Dr.

Patrik Holmboe Reviewer Dr. Pet Insurnace Cost What Affects the Cost of Pet Insurance? How Pet Insurance Can Save You Money Is Pet Insurance Worth the Cost?

FAQs About Cheap Pet Insurance. Updated: February 05, Cheapest plans for dogs. Our Pick for Older pets. Most Customizable Coverage. Our Pick for Savings. Did You Know? Why Trust Us? We update our pages regularly to reflect accurate cost information.

Here are the five best and most affordable pet insurance companies we recommend: ManyPets: Cheapest pet insurance for Cats Lemonade: Cheapest pet insurance for dogs ASPCA Pet Health Insurance : Our Pick for Older Pets Figo: Most Flexible Reimbursement Rates Healthy Paws: Most Affordable Unlimited Coverage.

ManyPets Cheapest Plans for Cats. Compare Plans. Lemonade Most Affordable. ASPCA Pet Health Insurance Our Pick for Older pets. Figo Most Flexible Reimbursement Rates. Healthy Paws Most Affordable Unlimited Coverage. Filters Location. State Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington, DC West Virginia Wisconsin Wyoming.

Zip Code. Star Rating. At Least 3. Company Star Rating Average Cat Insurance Cost Average Dog Insurance Cost Visit Site Cheapest option. Add Brand. Cheap Pet Insurance Rating Methodology We reviewed rates and plan options from each pet insurance company to find the cheapest options for pet owners.

Insure Your Pet Early No pet insurer will cover pre-existing conditions, which are injuries or illnesses a vet notices before your coverage starts.

Adjust the Coverage Levels Most pet insurers allow you to customize components of your policy, enabling you to adjust the amount of coverage you receive and the cost. Here are the key components of pet insurance policies and how they affect your bottom line: Deductible: This is the amount you are responsible for before your coverage kicks in.

Annual coverage limit: This is the maximum amount the pet insurer will reimburse you annually for unexpected vet fees. Selecting a higher coverage limit will also increase your premium.

Reimbursement rate: This is the percentage of each covered claim the insurer will pay after your deductible has been met. Review Available Discounts Whether you have multiple furry friends or a history of military service, you can save money on pet insurance by selecting a provider with discounts that match your situation.

The following are common pet insurance discounts: Annual payment discount: Some providers, like Pets Best, will reduce the cost of your plan if you pay for an entire year rather than quarterly or monthly. Bundle discount: If an insurance company offers multiple lines of insurance, it might offer a discount for purchasing more than one.

Employee discount: You might get a discount if you work at a company that offers pet insurance through your chosen provider.

Military discount: Some pet insurance companies offer discounts for military members. Multipet discount: One of the most common discounts, this reduces your overall plan cost for enrolling multiple pets.

Spay or neuter discount: Spaying or neutering your cat or dog can trigger a discount with some providers. We obtained quotes for the following pets: A 5-year-old medium mixed-breed male dog A 2-year-old large golden retriever female dog A 5-year-old mixed-breed male cat A 2-year-old Siamese female cat For each species, we calculated the average premium by taking the mean of the quotes obtained.

Your premium may also increase each year that your pet gets older. For instance, French bulldogs and Maine coons are known to have health issues and typically have higher pet insurance premiums.

Species: Cat insurance is cheaper than dog insurance since cats are less prone to accidents and injuries, and feline veterinary costs are usually lower than those for dogs.

If a provider determines that your ZIP code has expensive vets, it may charge higher premiums.

The best pet insurance ever by Nationwide®. Plans covering wellness, illness, emergency & more. Use any vet. Up to 90% back on vet bills. Call Affordable pet insurance plans customized to your budget and the needs of your dog or cat. Get a fast, free quote today Find the best pet insurance plan for your pet. Shop pet insurance plans that cover wellness, illness, accidents & more. Use any vet. Get a free quote today!

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Sape Cat. Here are the key components of insurannce insurance policies and Sale on fresh produce Sample offer site affect your bottom line:. Tori Innsurance is an editor who has worked in the digital marketing industry for over five years. After enrollment, there is a day waiting period to file a claim for accidents and illnesses. Login for quick access to your previous policy, where all of your vehicle information is saved. Auto insurance discounts See how you can save.	When comparing pet insurance plan costs, it helps to start with a clear picture of the coverage you want. What are the limitations on coverage and medical costs? Protect your personal data. VetHelpline is available to all pet owners. Winter pet protection involves keeping them warm and protecting them from special winter hazards. Can I use any veterinarian? Caring for a pet can be expensive even for routine care.	The best pet insurance ever by Nationwide®. Plans covering wellness, illness, emergency & more. Use any vet. Up to 90% back on vet bills. Call Affordable pet insurance plans customized to your budget and the needs of your dog or cat. Get a fast, free quote today Find the best pet insurance plan for your pet. Shop pet insurance plans that cover wellness, illness, accidents & more. Use any vet. Get a free quote today!	Nationwide offers industry-leading pet health insurance for dogs, cats, birds and exotic pets. Current Nationwide members receive a 5% discount on a new pet Several insurers write pet insurance coverage which is intended to cover many of the costs associated with obtaining any medical advice, diagnosis, care, or Missing	Our most popular coverage starts at around $90/month for two dogs, which includes a 5% multi-pet discount. Two cats on our most popular plan would cost about We offer dog health insurance plans that cover everything from injuries and Call our sales team to learn more about prescription food coverage options Healthy Paws Pet Insurance for dogs & cats covers new accidents, illnesses, emergency care, and more with up to 90% back on vet bills. Get a free quote
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Questions to Consider When Purchasing Pet Insurance. Pet Insurers Doing Business in California. The Department of Insurance is unable to guarantee the accuracy of this translation and is therefore not liable for any inaccurate information resulting from the translation application tool.

The Department of Insurance is also unable to guarantee the same page layout for all the languages. Depending on the languages, the page layout may look strange from the original. All pet owners can benefit from insurance coverage in case of emergency.

But there are a few specific health risks for pets living in California. Even if you live in an urban or suburban part of California, coyotes can pose a threat to your pet.

Cats and smaller dogs are especially at risk when outdoors, but even larger dogs can be confronted by coyotes. Never leave pets unattended or chained outside, and keep pet food inside. If your pet does get bitten by a snake, seek emergency treatment immediately.

While dogs and cats both can be affected, canine parvovirus and feline parvovirus are caused by two different viruses.

Fortunately, parvo in both species can be prevented with vaccination. Nationwide pet insurance plans cover veterinary care for a wide range of conditions, from broken bones to hip dysplasia.

Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions. Plans may not be available in all states.

New policies include a required waiting period. Policy eligibility may vary. Premiums vary based on the age of the pet, species, size as an adult , plan type, deductible, and state of residence. Wellness plans not available in all states.

Already have a licensed veterinarian you know and trust? With Nationwide, you can keep seeing your preferred vet. Your coverage works the same no matter where you go. There are no networks or pre-approvals to worry about. Traveling with your pet?

No problem. Whether in the U. Guidance on everything from general questions to identifying urgent care needs—because early detection is crucial for preventing small problems from becoming big ones.

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