Insuring Your Pet in California

Avoid the heat of vet bills with pet insurance personalized to your budget with coverage at every neighborhood vet from Sacramento to Los Angeles, Long Beach to San Jose, San Francisco to San Diego, and everywhere else throughout the Golden State.

Why We Recommend Pet Insurance if You Live in California

We don’t have to tell you that California is a pricey place to live – and vet bills certainly follow suit. Having pet insurance ensures that you can afford to give your best friend the best care no matter the cost. 

We’ve compiled a list of some of the most common situations that worry our Californian pet parents:

illustration of a snake

Venomous Snake Bites 

According to the California Department of Fish and Wildlife, Rattlesnakes are widespread in California and are found in a variety of habitat throughout the state from coastal to desert. Dogs are much more susceptible to snake bites than humans due to their curious nature. The deadly venom produced by a snake bite is extremely painful, potentially life-threatening, and can be very expensive to treat. We've paid claims ranging from hundreds of dollars to thousands of dollars from one single snake bite.

aragog the great dane

Unlucky Great Dane has 3 Rattlesnake Run-ins

Even though Aragon’s pet parents had him trained in rattlesnake avoidance, they knew that their curious canine could still be at risk.  

Check out how Embrace helped these pet parents, from Jamul, California, get their dog the best care. 

Vet Bill: $5,157.34

Embrace Reimbursed: $3,267.92

Read the Whole Story

illustration of a coyote

Coyotes 

Known to live in all areas of California, coyotes can be predatory and territorial in nature. They often hunt early in the morning and late in the evening when it’s harder to spot them. Smaller dogs and cats are more at risk of being attacked. In fact, one of our Embraced cats, Maxine, was attacked by a Coyote on her own deck. Luckily, her pet parents had her insured so we were able to reimburse the costs of her emergency surgery and recovery.

illustration of a dog limping

Muscle Tears and Injuries  

It's no surprise to us that injuries are one of the top claims we see each year in California. Californians are an active bunch! And it’s common for pets to tag along on the adventure. Major injuries like cranial cruciate ligament tears most often require surgery with lengthy - and costly - rehabilitation.

kada the Tamaskan dog

Adventure Pup Runs into Misadventure

Kada, a Tamaskan dog from Weed, CA, tore her cranial cruciate ligament amongst other issues.

But her mom didn’t fret the vet bill because she was covered.

Vet Bill: $6,190.32

Embrace Reimbursed: $4,114.66

See Kada's Story

illustration of a building during an earthquake

Earthquakes   

Living on the west coast really shakes things up – sometimes literally. Earthquakes can happen more than 10,000 times a year in California*, and that can pose risks to your pals, including injuries from falling objects. 

Visit Any Veterinarian or Pet Hospital in California 

No networks, no hassle. With Embrace Pet Insurance you can visit any general, specialist or emergency veterinarian in California, across the United States, or even around the globe. No matter what licensed vet you see, you’re covered. 

I have NOTHING but good things to say about Embrace! The app made submitting claims a breeze and everyone I have been in contact with was extremely nice and helpful.

Chassie W. Newport Beach, CA

How Much Does Pet Insurance Cost in California?

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors. 

*Below are a few estimates to give you a better idea of what pet insurance might cost in California. 

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

Got a minute?

Fetch your personalized quote before your Double-Double order is ready. 

What All is Covered by Pet Insurance in California?

Embrace’s comprehensive pet insurance covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Details of our coverage can be found here.

  • Accidents

  • Dental Illnesses

  • Cancer

  • Behavioral Therapy

  • Illness

  • Specialty Care

  • Chronic Conditions

  • Breed-Specific & Genetic Conditions

Let me say that the peace of mind knowing that we are 90% of meds/procedure costs back is priceless for our 4-legged family member.

Sharon La Habra, CA

What’s Not Covered?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom- and treatment-free for 12 months. 

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.   

For routine and preventative care, we offer a flexible Wellness Rewards plan, which is the purrfect complement to your insurance policy. 

I was able to select a custom plan that fit my preferences in terms of my deductible, monthly premium, and maximum benefit... So many pets inevitably get sick, so it makes so much sense to get pet insurance!

Jamie W. Irvine, CA

How Does Pet Insurance Work in California?

With Embrace, pet insurance is simple: Visit any vet, submit a claim, and we get to work reimbursing you.  

We make the claims process so easy your pet could practically do it. Get an itemized invoice and the diagnosis from your vet. That's all you need when you submit your claim via your MyEmbrace Customer Account – because who has time to print and fax or snail mail? Voila. You’re done! 

We even offer direct deposit so you can get reimbursed quicker. 

*USGS.org

**Cost estimates based on quotes by Embrace Pet Insurance