California Pet Insurance
Got a Samoyed in Sacramento, or a Bulldog in Bakersfield? Cover your pet with Lemonade pet insurance in California—the smart choice to keep your fur baby happy and healthy in the Golden State.
How much does pet insurance cost in California?
Here’s a look at average rates in major California cities:
| City | Average monthly base premium* |
|---|---|
| Fresno | $35 to $39 |
| Sacramento | $35 to $39 |
| San Francisco | $45 to $49 |
| San Jose | $35 to $39 |
Is pet insurance worth it in California?
What does a Lemonade pet insurance
policy in California cover?
eligible accidents and illnesses.
Here are some common types of care that Lemonade pet insurance covers in California:
- Bloodwork
- X-rays
- MRI
- CT Scan
- Lab Work
- Urinalysis
- Ultrasounds
- Cancer
- Emergency Care
- Surgery
- Heart Disease
- Hospitalization
- Road Accidents
- Outpatient Care
- Allergy Medicine
- Specialty Care
- Injections
- Prescription Medications
- Arthritis Medications
- Knee, Elbow, and Hip Dysplasia
Pet parents love Lemonade
What pet insurance plans does
Lemonade offer in California?
Wellness exam
Annual physical checkup for your pet
Vaccines
Up to 3 vaccines such as Rabies, DHLPP, and Bordetella
Heartworm test
Annual screening of heartworm infestation
Fecal or internal parasite test
Annual parasite evaluation test
Routine dental cleaning
Including dental x-rays, anesthesia, polishing, and more
Preventative medication
Protection for your pet against fleas, ticks, and heartworm
What additional coverage does
Lemonade offer in California?
Visit fees
Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.
Read morePhysical therapy
Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.
Read moreDental illness
Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.
Read moreBehavioral conditions
Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.
Read moreEnd-of-life and remembrance
Helps cover the costs related to vet-recommended euthanasia, cremation, or commemorative items—like an urn, framed pictures, digital photo storage, or even a tattoo—even if the pet’s death is not related to an eligible condition.
Read moreHow much pet insurance do I need in California?
Check out the estimated costs of some common vet services for cats and dogs in California:
Estimated vet services costs for dogs across California
| Vet Service | Fresno | Sacramento | San Francisco | San Jose |
|---|---|---|---|---|
| Spay (over 6 months) | $619 (over 50 lbs)/$541 (under 50 lbs) | $651 (over 50 lbs)/$568 (under 50 lbs) | $735 (over 50 lbs)/$642 (under 50 lbs) | $709 (over 50 lbs)/$619 (under 50 lbs) |
| Neuter (over 6 months) | $513 | $538 | $608 | $587 |
| Professional dental cleaning | $425 | $457 | $549 | $520 |
| Office visit | $75 | $83 | $106 | $99 |
Estimated vet services costs for cats across California
| Vet Service | Fresno | Sacramento | San Francisco | San Jose |
|---|---|---|---|---|
| Spay (over 6 months) | $384 | $403 | $455 | $439 |
| Neuter (over 6 months) | $283 | $297 | $336 | $324 |
| Professional dental cleaning | $425 | $457 | $549 | $520 |
| Office visit | $75 | $83 | $106 | $99 |
Source: Banfield Pet Hospital
How does pet insurance work in California?
Go to the vet
If your pet gets sick or injured, just visit any state-licensed veterinarian for the diagnostics, procedures, and medications your furry friend may need to recover.
File a claim
File a claim on the Lemonade app in minutes. You’ll need a pic of the vet invoice and/or a paid receipt, plus a copy of your medical records or notes from that specific vet visit.
Get reimbursed
Get your money back directly into your bank account from Lemonade for eligible claims. Around 50% of Lemonade pet insurance claims are handled instantly.
FAQs
What are the main safety threats to pets in California?
California is full of adventures, but it’s not without risks for your pets. Mountain lions roam certain areas, especially at night, so keeping your pets indoors and securing your yard with sturdy fencing can help. Earthquakes are another concern, and it’s smart to stay calm during tremors—create safe spaces for your pet and always have emergency plans ready.
Wildfires are a big threat too, so have an evacuation kit with food, medicine, and supplies for your pet. Toxic plants like lilies, grapes, and macadamia nuts also pose dangers, so keep an eye on curious explorers during walks or in the yard. A little prep goes a long way in keeping your pet safe in the Golden State!
What are the best dog parks in California?
California is home to some incredible dog parks perfect for your furry friend!
- Rosie’s Dog Beach in Long Beach is the only off-leash dog beach in L.A. County where your pup can roam freely along the shore.
- Fiesta Island in San Diego offers a vast space for your dog to hike, swim, and enjoy leash-free fun.
- Point Isabel Regional Shoreline in Richmond is the largest dog park in the country, with 23 acres to explore. It even has a dog-friendly cafu00e9 and washing station for post-adventure clean-up.
- Coronado Dog Beach offers a leash free beach year round, and free parking on surrounding streets! Just be sure to keep your pup safely leashed until your hit the beach.
What are the top local pet-based businesses in California?
California has no shortage of amazing pet-focused businesses.
- The Honest Kitchen is where you can find farm-to-table meals for your pets made with human-grade ingredients.
- My Dog Nose It offers doggy sunscreen to shield sensitive snouts from harsh rays.
- Plato Pet Treats offers delicious snacks to treat your pooch, specially crafted for active dogs.
- La Marcel is where you can go to celebrate your fur baby’s big day with a custom cake, in Parisian bakery style.
- KittyWeed is for the felines, and has potent catnip toys that drive cats wild.
Can I use Lemonade pet insurance at any vet in California?
Yes, since we work on a reimbursement basis you can use your Lemonade pet insurance policy at any licensed vet in the U.S., including California.
How can I protect my pet from California's earthquakes?
While no one can prevent an earthquake, you can take steps to be prepared when one hits. It’s a good idea to keep an emergency kit with food, water, and medications for your pet. Make sure your pet’s ID tags and microchip information are up-to-date, and create a safe space in your home where your pet can take shelter during an earthquake.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average pet premiums as of October, 2024. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances
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