10 Best Pet Insurance In San Diego In 2023 | Full Step-by-Step Guide

This year, one out of every three pets in California and around the country may become ill or injured. In San Diego, San Francisco, and across the Golden State, pet health care is more expensive than it has ever been.

Pets are as much a part of many households as any other family member, and it’s terrible for everyone when they’re hurt or sick. When there is a healthcare crisis, we all want to provide the best care for our dogs.

Unfortunately, as the expense of veterinary care climbs across the country, some people may be unable to afford it.

That is why so many pet owners are turning to pet insurers to ensure that their pets receive high-quality, professional medical care.

The information below describes some of the best pet insurance companies in San Diego.

What Is Pet Insurance

According to Investopedia, Pet insurance is a type of insurance that a pet owner purchases to help cover the costs of pricey veterinarian care.

This coverage is comparable to human health insurance policies. Pet insurance will cover, either full or in part, the often costly veterinary procedures. 

In order to get the proper pet insurance plan for you, you must evaluate and compare pet insurance options.

There is frequently a deductible, which is an out-of-pocket expenditure before coverage begins, just like with human health insurance.

Most insurance companies will calculate the premium based on the average cost of veterinarian treatment in the owner’s area. It’s also possible that the policy won’t cover all veterinary procedures.

What Does Pet Insurance in San Diego Cover?

The majority of the pet insurance policies are meant to cover your cat or dog in the event of accidents or sickness, but not for routine veterinary treatment.

This means that if your pet gets sick or is damaged in some manner, the policy will pay for some of your veterinarian bills.

However, if your pet visits the veterinarian for routine care such as vaccines, dental care, or annual checkups, the policy will not cover their costs.

Furthermore, many pet insurance policies cover inherited diseases. If your pet has already demonstrated symptoms of the ailment, it will be deemed a pre-existing condition.

How Does Pet Insurance Work in San Diego, CA?

Pet insurance in San Diego, California, like in all states, is paid through reimbursement rather than through your veterinarian, as is the case with human healthcare.

You’ll pay the doctor directly when you bring your pet in for treatment, then submit an invoice for reimbursement.

Once your given vet bills have been audited and authorized, your unique plan adjustments will determine how much you’ll receive. Here’s how each of those customizations affects the overall amount of your reimbursement:

  • The total compensation paid out in a policy year for all claims made is your annual payout maximum.
  • A deductible is an amount you must pay before your insurance company begins to reimburse you. Be prepared to pay for this yourself.
  • After your claim has been filed and authorized, your reimbursement % is the amount you’ll receive in the reimbursement form. The percentages range from 50 to 90 percent.

How Much Does Pet Insurance Cost in San Diego CA?

The most expensive veterinarian treatment for dogs and cats is in California, namely San Diego. Thankfully, depending on your coverage and plan, pet insurance can cover up to 90 percent of those costs.

The cost of living in California varies by city, and as a result, so do vet fees. The most costly city is San Diego, which is followed by San Francisco, Los Angeles, Redding, and Sacramento.

Figo Pet Insurance estimates $14,000 yearly coverage, $250 deductible, and 80 percent reimbursement for three years for a three-year-old mixed breed dog weighing 21 to 70 pounds.

If you have a puppy, an older dog, a purebred, or a large dog, your free quote will change.

CityMonthly Cost
Los Angeles$46.04
San Diego$57.50
San Francisco$47.54

Types of Pet Insurance

There is no such thing as a one-size-fits-all solution as there are several different kinds of pet insurance available. Here are the three primary policies you will see: 

#1. Accident and illness plans: 

Accidents and illnesses are not uncommon. If your pet is injured or sick, pet insurance plans cover the most important treatments and services.

X-rays, drugs, hospitalization, and surgery are all examples of this. It’s beneficial for any pet, but many insurance providers have an age limit for this coverage.

Pricing for accident and illness plans depends on the yearly coverage limit you select, the deductible, the type of pet you have, the breed, and the age of your pet.

Read this: Best Pet Insurance for older dogs in 2023

#2. Accident-only plans: 

An accident-only pet insurance plan only covers treatments linked to accidents, such as ingested items, burns, and bites.

In most circumstances, accident-only policies, do not have an age limit, making them a viable option for older pets.

This form of insurance is an excellent investment if your pet is generally healthy but you want coverage in the event of an accident.

#3. Wellness plans: 

Pet wellness plans are sold either as standalone policies or as a rider to an accident and illness or accident-only policy. 

The services (routine and preventative care) cover include vaccinations, microchipping, spaying/neutering, and annual vet checkups.

Although most wellness plans are affordable, most services have a cap on the number of people who can use them.

As a result, if your veterinarian’s regular treatment rates are reasonable, a wellness plan may not be worth it.

Best Pet Insurance In San Diego

Here are the best companies that provide pet insurance in San Diego:

#1. Embrace

The BBB has given this insurance firm an A+ rating and there have been only 38 complaints in the last three years. 

Because of its inexpensive rates and an extensive list of therapies and medical issues covered by its plans, Embrace is one of the best pet insurance companies in San Diego.

Wellness coverage is also available as an add-on for policyholders. There are policies available for cats and dogs ranging in age from eight weeks to fourteen years.

  • Monthly Costs: Starts at $13.04 for dogs and $8.98 for cats
  • Coverage: Ranges from 70 percent to 90 percent after deductible, depending on the plan
  • Payout Limits: Coverage caps range between $5000 and $30,000 online or unlimited via phone enrollment annually
  • Deductible: Ranges from $200 to $1,000 annually, depending on the plan

Embrace Pros and Cons 

30-day money-back guaranteeRequired exam within the past year
Average five-day reimbursement turnaround timeUpper age limits on accident-illness
Diminishing deductiblesNarrower annual maximums compared to others
Wellness Rewards Program$25 enrollment fee

#2. Pet First

With adjustable benefits that can be matched to your average yearly expenditure, PetFirst’s wellness rider provides the best value for routine treatment. It also offers accident and illness coverage, as well as preventative care.

Cats and dogs as young as eight weeks old can join the company’s plans. Unlike most other insurance companies, it also offers plans specifically for senior dogs.

Furthermore, Petfirst’s minimum rates are significantly lower than national averages, and many current and past customers commend the company’s simple claims process and speedy response times, which it promises within two weeks after filing a claim.

  • Monthly Costs: Starts at $16.95 for dogs and $8.95 for cats
  • Coverage: Ranges from 70 percent to 90 percent, depending on the plan

So, with the information above, you should be able to start your search for the best pet insurance in San Diego and feel confident shopping around for a policy that meets your pet and your budget.

Petfirst pet insurance Pros and Cons

Wellness benefits are available from $125 to $575 annuallyEach preventive treatment has its own individual limit
Deductible of just $250Accident and injury limits max out at $10,000 per year
Accident coverage begins the day after enrollment Doesn’t offer an accident-only plan
Online resource center 

#3. ASPCA Pet Insurance

The ASPCA offers coverage for both dogs and cats, as well as a 10% multi-pet discount, making it the greatest option for families with several furry family members. It is also one of San Diego’s best pet insurance businesses.

Accident, illness, and wellness are the three categories of ASPCA pet health insurance coverage. Its policies include cats and dogs as young as eight weeks old and have no upper age limit.

The coverage is extensive, and claims can be submitted in a variety of ways, including through a mobile app.

Furthermore, reimbursements are guaranteed within 30 days; nonetheless, clients generally indicate that they are reimbursed quickly.

When compared to the national monthly average of $44.66 for dogs and $27.93 for cats, the rates appear to be competitive.

ASPCA Pet Insurance Pros and Cons

Multiple pet discount (10% off per pet)Doesn’t offer unlimited benefits
Covers dogs and cats Not directly administered by the ASPCA 
Offers a smartphone appWellness benefits subject to pre-treatment limits
Visit any licensed veterinarian in the U.S. or Canada 

#4. PetSmart Insurance

While these plans do not qualify as traditional pet insurance, they do provide many services to pet owners at a low monthly rate.

PetSmart collaborates with Banfield Pet Hospital to offer preventative care plans, and while these plans do not qualify as traditional pet insurance, they do provide many services to pet owners at a low monthly rate.

Customers are required to seek treatment at a Banfield Pet Hospital site, however, Banfield has standalone locations as well as PetSmart in-store locations across the country.

Furthermore, this pet insurance company ranks first among the best pet insurance providers in San Diego on our list.

#5. Lemonade Pet Insurance

Lemonade’s pet insurance services are based on a single fixed accident-illness plan, but it compensates for this with extensive plan customization options and some of the lowest monthly costs available.

Hence, Lemonade, the first totally online pet insurance alternative, has cut the enrollment process to 90 seconds, making secure coverage accessible and hassle-free for its consumers.

Although the company advertises plans starting at $10 per month, more realistic coverage is roughly $15 per month for cats and $37 per month for dogs.

While your rate will vary according to your pet’s age, species, breed, and gender, as well as your ZIP code, Lemonade’s premiums are on the cheaper end of the spectrum when compared to other top providers.

Additionally, any money left over from unused coverage maximums at the end of the year is donated to a nonprofit effort chosen by each client.

Lemonade policyholders can customize their plans by choosing from a variety of coverage options, including yearly maximums ranging from $5,000 to $100,000 per policy period, deductibles ranging from $100 to $500, and reimbursement rates of 70, 80, and 90%.

Lemonade Pet Insurance Pros and Cons

Versatile customization optionsStill new to the pet insurance market No posted money-back guarantee
10 percent multi-pet discountNo posted money-back guarantee
Up to $100,000 in annual coverage limitsCaps enrollment eligibility for dogs 14+ years old
Fully-digital interface and mobile app functions with fast claims processing 

#6. Spot Pet Insurance

Spot pet insurance provides cost-effective, adaptable alternatives to ensure that your pet receives the veterinary care it requires when it is most needed, at a monthly cost that is affordable. Also, Spot isn’t difficult to use.

To get reimbursed for a visit to your veterinarian, simply submit a claim through the Spot login portal after the visit, along with copies of your pet’s medical record and vet service invoice.

Keep in mind that while Spot has a 14-day waiting period for accident-illness coverage, policyholders have up to 270 days from the date of treatment to file a claim after that time has passed.

Prospective Spot policyholders should expect to spend $30-$50 per month for dogs and $18-$25 per month for cats on a monthly basis.

If you have more than one pet in need of insurance, Spot will give you a 10% discount if you enroll more than one pet in any policy.

Spot pet insurance covers a wide range of expenses associated with qualified incidents, including

  • Vet office visit fees
  • Prescription medication
  • End-of-life expenses
  • X-rays
  • Tooth extractions
  • Stem cell therapy
  • Poison control
  • IV fluids 
  • Cancer treatment
  • Blood tests
  • Accidents, Emergency Care, and Surgery

Spot Pet Insurance Pros and Cons

No upper age limitNo preventive care unless purchased separately
Multi-pet discount14-day waiting period for accident coverage
Includes coverage for microchip implantation 
30-day money-back guarantee 

#7. Healthy Paws Insurance

This is one of San Diego’s best pet insurance businesses. Accidents, illnesses, cancer, emergency care, congenital issues, dental treatment, and alternative care such as acupuncture and chiropractic adjustments are all covered by Healthy Paws’ base insurance.

A 30-day money-back guarantee, automatic limitless yearly maximums for all policy levels, astonishingly customizable coverage, and the inclusion of breed-specific illnesses like hip dysplasia are just a few of the standout features.

Policyholders pay an average of $39 per month for dogs and $12 per month for cats with this insurance carrier. Here’s a quick rundown of what Healthy Paws plans include:

  • Prescription medication
  • End-of-life expenses
  • X-rays
  • Tooth extractions
  • Stem cell therapy
  • Poison control
  • IV fluids 
  • Cancer treatment
  • Blood tests
  • Accidents
  • Emergency care
  • Surgery
  • Hospitalization

Healthy Paws Pros and Cons

Cover breed-specific conditionsThe new member fee of $25
No limits on coverage for any policyNo preventive care options
Good BBB ratingNo multi-pet discounts
Fast claim repayment 

You can also read this: How Much Does Pet Insurance Cost? Step By Step Guide

#8. Prudent Pet Insurance

Prudent Pet, like Lemonade, was founded in 2018, making it one of the few newer pet insurers on the market. Pet owners can choose from a variety of base plan options, including accident-only and more comprehensive ones.

Furthermore, Markel Insurance Company, which has a “A” financial stability grade from AM Best, underwrites Prudent Pet.

Prudent Pet prides itself on making policies transparent and simple to comprehend, offering reimbursement rates of 70, 80, or 90 percent with a $100-$1,000 yearly deductible.

Coverage limits begin at $10,000 and go to a limitless amount if you purchase the highest tier policy.

In addition, Prudent Pet premiums start at $10 per month for dogs and $23 for cats, with an average of $39 per month for dogs and $23 for cats.

Optional add-on wellness plans for cats and dogs start at $7.95 a month for cats and $11.95 per month for dogs. This is also one of San Diego’s best pet insurance businesses.

If you opt to sign up with Prudent Pet, here are some of the things you can expect to be covered:

  • Cancer and treatments
  • Bite wounds
  • Broken Bones
  • Emergency care
  • Hospitalization
  • Surgery
  • Congenital defects
  • Eye, ear, and skin conditions
  • Urinary infections, Hereditary conditions, Hip dysplasia, etc.

Prudent Pet Insurance Pros and Cons

Five-day waiting for the period for accident coverageFixed annual coverage caps per policy level
10 percent multi-pet discountA high amount of exclusions
No upper age limitsMobile app is unavailable
No in-network requirements 

#9. FIGO Pet Insurance

Figo is one of the best pet insurance companies in San Diego since it is the nicest insurer for pet parents who like to seek alternative treatments for their pets.

This pet insurance policy includes coverage for the following treatments and services:

  • Emergency services
  • Hospitalization
  • Diagnostic testing
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Surgeries
  • Cancer treatment
  • Holistic and alternative treatments
  • Behavioral health

Figo has recently introduced a wellness package to its repertoire. A Wellness Rider can get this for preventative care, and it can be improved with the Extra Care Pack and Exam Fee power-ups.

You’ll have to wait one day for an accident visit and 14 days for an illness visit before you can use your coverage. In addition, there may be a six-month waiting time for specific orthopedic disorders.

FIGO Pet Insurance Pros and Cons

The base plan includes holistic careExam fees not covered in the base plan
24/7 virtual vet visits availableRecommends an enrollment exam
30-day money-back guarantee 
Flexible customer service 
Visit any licensed veterinarian 

#10. Hartville Pet Insurance

Hartville will let your pet sign up for a policy no matter how old they are. Senior dogs are not only eligible for accident-only coverage, but also for illness and accident coverage.

The Complete Coverage policy includes coverage for accidents and illnesses, including conditions like

  • Hereditary conditions
  • Dental diseases
  • Behavioral health
  • Cancer
  • Hip dysplasia
  • Diabetes
  • Eye disorders.

In addition, Hartville offers a Preventive Care Coverage rider that covers the cost of routine wellness checks, immunizations, and dental cleanings. You must wait 14 days before using your accident and illness coverage.

This is also one of San Diego’s best pet insurance businesses.

Hartville Pet Insurance Pros and Cons

No maximum age limitHigh premiums
Illness, accident, and wellness coverage for all agesScheduled preventive care benefits
One-month trial periodLong waiting period for injuries
Helpful online resources 
Multiple pet discount (10% off per pet) 

Step Guide To Choose The Best Pet Insurance In San Diego

Different pet insurance policies aren’t comparable in terms of coverage. Because of the differences in coverage, exclusions, and cost, determining the potential value of any plan is difficult. Comparison is still possible; it’s just time-consuming.

Here’s how to choose a pet insurance company that will fit your budget while also giving you peace of mind that your pet will be protected in the event of an unexpected health scare: 

Type of Plan

Do you want coverage that always goes above and above, or do you want to save money by buying an accident-only policy that doesn’t cover pet illnesses? Or maybe something in the middle?

Comprehensive pet insurance policies, which cover a wide range of health issues as well as wellbeing, are usually the most costly.

Even so, if you want complete coverage, it can be worth it. You have a variety of options.

  • Comprehensive protection: Accidents and injuries, as well as serious or chronic illnesses including diabetes, inherited problems, diagnostic testing, procedures, and alternative therapies, are all covered under this umbrella. Routine veterinarian care, such as checkups and vaccines, is sometimes included, but not usually.
  • Accident and illness coverage: This coverage typically covers vet expenditures for common ailments, genetic disorders, and serious diseases, as well as common ailments, genetic disorders, and severe illnesses. Routine veterinary checks, flea prevention, and immunizations will not be reimbursed, but you can purchase a wellness package to provide total protection.
  • Accident-only coverage pays for vet bills only if your pet is injured in an accident. You’ll be responsible for any medical bills incurred as a result of your illness.

Keep an Eye Out For Discounts

Many companies provide discounts to multi-pet households who enroll more than one furry family member at the same time.

Typically, this is a 10% discount every annual coverage period, while other providers will only offer a 5% discount.

Some insurance companies offer a pet spay/neuter discount to encourage pet owners to have their pets repaired to avoid unplanned pregnancies and malignancies of the reproductive system.

When you pay your annual subscription in full, you can typically save money. Finally, numerous carriers provide 10% savings to active-duty military personnel and veterans.


When it comes to purchasing a pet insurance policy, comparison shopping is critical.

Companies provide various levels of coverage at various rates, and your goal is to select an insurance carrier that provides adequate coverage at a price that is within your budget.

When shopping, keep in mind that pricing is based on a range of criteria other than your pet’s age and breeds, such as the cost of veterinarian care in your city and state.



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