Pet Insurance in California

Fetch is the most comprehensive pet insurance in

California

– and all of the U.S. We pay back up to 90% of unexpected vet bills when your pet gets sick or hurt. And with our optional Fetch Wellness add-on, you can help prevent health issues before they start.

Use any veterinarian in the U.S. or Canada

Rated 'Excellent' on Trustpilot

Covers up to 90% of unexpected vet bills

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Trusted by lifesaving shelters in the U.S. and Canada

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What does Fetch Pet Insurance cover in

California

?

With Fetch, you have peace of mind knowing your pet is protected with the most comprehensive coverage if they get sick or hurt. And that’s important, because a pet parent is faced with a vet bill of more than $1,000 every 6 seconds.

Fetch covers what most other providers charge extra for, or don’t over at all, including:

Breed-specific issues. Not all providers cover medical conditions linked to breed, like breathing problems in French Bulldogs or kidney stones in Burmese. We do.

Specialists. Specialty care is expensive, and that’s when having the most comprehensive coverage really counts. If your pet needs to see an orthopedist, oncologist, orthodontist, cardiologist or other veterinary specialist, Fetch pays back up to 90% of the cost of care.

Emergency vet visits. We cover treatment at emergency veterinary clinics anywhere in the U.S. or Canada. Unlike human health insurance there is no such thing as out-of-network.

Physical therapy. Fetch covers massage, movement therapy (kinesiotherapy), underwater treadmills (hydrotherapy), electrical stimulation and more, when administered by a vet.

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How does pet insurance work in

California

?

Every provider is different, but you'll usually submit a claim (this can include your vet bill and your pet's medical records) to your pet insurance provider, and you’ll typically be paid back if the treatment your dog or cat received is covered under your plan.

With Fetch, submitting a claim is as easy as taking a picture of your vet documents and answering a few questions online or using our app. Once approved, Fetch pays back up to 90% of your bill. To learn more, check out our claims page.

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Rated 4.7 in the App Store & Google Play. *Updated July 2023.

How much does pet insurance in

California

cost?

Your pet insurance cost is based on three factors: age, breed and location. Younger pets tend to cost less to insure than older ones, and since certain breeds of dogs and cats are prone to different medical issues, your pet’s breed can affect your price as well. Where you live also factors in, since the cost of veterinary care varies from place to place.

How much is pet insurance for a dog in

California

?

Line art of a dog against a mint background.

California

plans average

$

42

/month for dog insurance

How much is pet insurance for a cat in

California

?

Line art of a cat against a mint background.

California

plans average

$

28

/month for cat insurance

Get your price
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Why

California

is a Fetch favorite for raising a fur family

When we think of enjoying California with our pet, we can practically feel the sunshine on our face and the ocean breeze in our fur. California boasts some of the most beautiful national parks and hiking trails for your pups (hello: Yosemite, Joshua Tree and Sequoia), but the great outdoors is also home to mountain lions, parasites, toxic plants and wildfires – all of which can be as harmful to your dog or cat as they are to us humans. The good news is that with Fetch Pet Insurance, you can worry less about what will happen if your pet needs an unexpected vet visit, because we’ll reimburse you for up to 90% of your approved vet bills. So your pets can keep exploring the Golden State without cramping their California style.

Protect your pet

Pet risk factors in

California

Enjoying the gorgeous West Coast weather comes with some risk factors, especially for our pets. Sunny beach days mean taking precautions to protect our dogs and cats against heat stroke and harmful UV rays. California comes with its own set of risks for pets that could result in a vet visit, including:

Heatstroke

Pet parasites/ticks

Mountain Lions

Coyotes

Wildfires

Toxic plants

(including castor beans, pencil cactus, coontie, draceana, poison ivy, Brazilian pepper)

Popular pet names in

California

Need some inspiration for naming your West Coast dog or cat? Here are some of the most popular pet names in California, according to Fetch pet data.

Line art of a dog that has been colored in.

Dogs

Luna

Bella

Coco

Max

Charlie

1

2

3

4

5

Line art of a cat that has been colored in.

Cats

1

2

3

4

5

Luna

Milo

Kitty

Bella

Leo

Regardless of what you call your four-legged friend, Fetch has them covered with the most comprehensive insurance coverage for dogs and cats.

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Local

California

pet law:

microchipping

In LA county, it’s required that all dogs and cats over the age of 4 months get microchipped. A good way to keep track of your best friend at the beach and beyond.

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Why veterinarians choose Fetch Pet Insurance

Don’t just take our word for it – here’s what a top veterinarian has to say:

“No one wants to think about accidents or illnesses when it comes to their dog, but even the most loved pets aren't immune. Data shows that being proactive about your pet's health is key to giving your dog a longer, healthier life — and Fetch Pet Insurance is the best way to do just that.”

A headshot of veterinarian Dr. Audrey Ruple.

Dr. Audrey Ruple, DVM, MS, PhD, DipACVPM, MRCVS

Veterinarian, Dorothy A. & Richard G. Metcalf Professor of Veterinary Medical Informatics & Chair of the Fetch Veterinary Advisory Board

Protect your pet

How does Fetch injury and illness coverage compare?

Sick-visit exam fees

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Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.

A red X symbol on a white background.

Trupanion & Healthy Paws don’t cover this. Lemonade, Nationwide, Pets Best & Figo charge extra for it.

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$1,000 in online vet visits

Remote treatment by a vet via phone, email, text or video chat is covered up to $1,000 per year — no copay required.

Trupanion & Healthy Paws don’t cover this.

Behavioral therapy

Consultations with a vet to diagnose and treat behavioral disorders are covered by Fetch — up to $1,000 per year.

Healthy Paws doesn’t cover this. Lemonade, Trupanion, Nationwide & Figo charge extra for it.

Every tooth, plus gums

Every adult tooth and your pet’s gums are covered against injury and disease. Not all providers offer complete coverage. We do.

Lemonade, Nationwide, Pets Best, Healthy Paws & Trupanion don’t cover this. Figo charges extra for it.

Alternative & holistic care

We cover treatments like acupuncture, aromatherapy, chiropractic and homeopathic therapy administered by a vet to treat an injury or illness. Not all providers do.

Lemonade doesn’t cover this. Trupanion, Nationwide & Pets Best charge extra for it.

$1,000 in boarding fees

Fetch cares about pet parents, too. We cover the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more. You’re covered up to $1,000 per year.

Lemonade, Embrace, Nationwide, Healthy Paws, Pumpkin, Pets Best & ASPCA don’t cover this. Trupanion & Figo charge extra for it.

And so much more!

Get unmatched coverage

See why pet parents trust Fetch

At Fetch, we’re proud to protect over 400,000 pets (and counting) throughout the U.S., including in

California

and in Canada.

"Fetch has been a literal lifesaver for our dog, Charlotte. She was diagnosed with cancer and Fetch has quickly paid all claims and submitting was a breeze."

ANDY M., U.S., via Trustpilot

pet insurance in

California

When the unexpected happens, Fetch helps give your pet protection

Between the great outdoors and wild animals, California can be a crazy (but exciting) place for your pet. Here are the top 3 reasons pet parents bring their pets to the vet in California:

Mass lesion or swelling

Average cost to treat: $

1,283

What Fetch pays: $

1,155

Vomiting + diarrhea

Average cost to treat: $

847

What Fetch pays: $

762

Oral inflammation

Average cost to treat: $

813

What Fetch pays: $

732

Fetch covers up to 90% of your vet bill after you’ve met your deductible and copays.

Add routine & preventive coverage in

California

, save up to $735 more a year

Fetch Wellness is an optional add-on to your Fetch Pet Insurance plan that gives your pet routine and preventive coverage (think: vaccines and annual exams). Add it today.

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Unexpected Visits

Get Fetch Pet Insurance

Covers injuries, illnesses, prescription medications & more.

+

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Optional ROUTINE CARE

Add Fetch Wellness

Covers annual exams, vaccinations, dental cleanings & more.

Get your price

Your pet insurance in

California

questions – answered!

Is pet insurance in

California

worth it?

Short answer: Yes.

Long answer: Yes, because we know you’d do anything and would pay any amount to keep your pet healthy and happy. But we believe that no pet parent should have to take a deep dip into their savings or run up their credit card bill to take care of their pet. So that’s where we come in. Fetch helps pay back your unexpected vet bills should your pet ever get sick or hurt – and we cover more than most pet insurance providers.

Does Fetch only work in

California

?

Nope. With Fetch, you can visit any vet in the U.S. or Canada. So if you move or make an emergency trip to the vet while traveling, your pet is still covered.

Should I add Wellness to my Fetch pet insurance in

California

?

Adding a Fetch Wellness plan to your Fetch injury and illness insurance will help you save on routine and preventive coverage (think: vaccinations and annual exams). That way, you can help prevent health issues before they start. Plus, there's no deductible for wellness — enroll today.

Every 6 seconds a pet owner is faced with a vet bill of more than $1,000 according to NBC News. September 2018.

The comparison is accurate as of July 2023 and is subject to change.

Heatstroke is a pet risk factor in California according to the California Department of Public Health, June 2023.

UV protection is a pet risk factor in California according to the California Department of Public Health, June 2023.

Pet parasites/ticks are a pet risk factor in California according to CBS News Sacramento, April 2023.

Mountain lions are a pet risk factor in California according to the California Department of Fish and Wildlife, 2023.

Coyotes are a pet risk factor in California according to the California Department of Fish and Wildlife, 2023.

Wildfires are a pet risk factor in California according to The Washington Post, October 2019.

Toxic plants are a pet risk factor in California according to California Veterinary Hospital, 2023.

The Los Angeles County Code requires all dogs and cats to be microchipped according to Los Angeles County Animal Care & Control. 2017.

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