Pet Insurance in California
Fetch is the most comprehensive pet insurance in
– 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
Trusted by lifesaving shelters in the U.S. and Canada
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.
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.
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
?
California
plans average
How much is pet insurance for a cat in
California
?
California
plans average
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 petPet 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.
Dogs
Luna
Bella
Coco
Max
Charlie
1
2
3
4
5
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.
Get your quoteLocal
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.
Get your quoteWhy 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.”
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
How does Fetch injury and illness coverage compare?
Sick-visit exam fees
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.
Trupanion & Healthy Paws don’t cover this. Lemonade, Nationwide, Pets Best & Figo charge extra for it.
$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 coverageSee why pet parents trust Fetch
At Fetch, we’re proud to protect over 425,000 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.
Unexpected Visits
Get Fetch Pet Insurance
Covers injuries, illnesses, prescription medications & more.
+
Optional ROUTINE CARE
Add Fetch Wellness
Covers annual exams, vaccinations, dental cleanings & more.
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.