Pet Insurance California

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our California pet insurance costs between $30 and $50 per month in 2025.

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in California when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.0 Google; 4.1 Trustpilot), have a 4.2-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

California's landscapes are a playground for pets, offering everything from sun-drenched beaches to majestic mountain trails and vast deserts. But this diverse paradise also presents unique risks for our four-legged friends. The state's famous sunshine can quickly lead to heatstroke or burned paws on hot asphalt. Wildfire season brings the dual threats of smoke inhalation and emergency evacuations, while winter rains can cause dangerous mudslides in foothill communities.

The Golden State's varied ecosystems introduce their own challenges. Hiking trails may hide rattlesnakes in the brush or foxtails that can embed themselves in paws and ears. In the deserts, scorpions pose a threat, while coastal waters contain hazards like jellyfish, stingrays, and strong rip currents. Poisonous plants like oleander and sago palm are common in yards and wild spaces. Even in suburban areas, encounters with wildlife such as coyotes and even mountain lions are a real possibility. Of course, common foes like heartworm, fleas, and ticks are prevalent throughout the state.

Even California's iconic cities present challenges. In dense urban areas like Los Angeles and San Francisco, heavy traffic and crowded dog parks increase the risk of accidents and communicable illnesses like kennel cough or canine influenza. The ever-present danger of earthquakes means pets can face injury from falling objects or get lost if a fence breaks. From the rugged trails of the Hollywood Hills to the powerful surf of the Pacific coast, vigilance is key to keeping your companion safe.

For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get reimbursed for covered costs later. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can help you make life saving decisions without financial worry.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on the type of coverage you have. All policies cover accidents from the effective start date of the policy. All polices have a 2 week illness waiting period. Most pet wellness plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.