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Pet Insurance Plan
in California

#1 Customer-Rated for the last 7 years #1 Customer-Rated for the last 7 years

  1. No maximum annual or lifetime payouts
  2. Most claims are processed within two days
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Best Unlimited Coverage

Best Choice Overall

2022 Most Trusted Brand

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Top-Rated Insurance for Dogs and Cats in California

Since California is the most populous state in the U.S., it should come as no surprise that there are more pets living in California households than any other state. There are so many pet-friendly establishments and attractions throughout California to make life fun and enjoyable with a wonderful dog or cat by your side. You can enjoy many great years together with your pet when you have California pet insurance to cover the costs of expensive vet bills.

Here’s how pet insurance works and why you should consider a policy for your furry companion in the Golden State.

Customer Satisfaction

Customers Rate Us #1

Everything we do is driven from our love of animals and our commitment to pet health. We offer one pet insurance plan that covers vet visits for new accidents and illnesses at competitive premiums. Our insurance plan is designed with straightforward and simple terms of coverage.

  • #1 Customer-rated pet health insurance plan for the last 7 years*
  • More than 550,000 pets enrolled**
  • Staff of vet techs & pet parents
  • Flexible premium and deductible options
*View source: October 2023 **As of October 10, 2023
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Is Pet Insurance Worth It?

Here’s how it was for one Healthy Paws customer: Escondido, CA: With 6 injury-prone dogs, pet parent Sherry is no stranger to a staggering vet bill. It came as no surprise then when Panzer hurt his shoulder and required a $2,000 surgery to repair the injured joint. Luckily, Sherry’s Healthy Paws policy covered the treatment, so she could focus on Panzer’s recovery without worrying about the bill.
-Sherry, Healthy Paws customer

Treatment: Shoulder surgery

Total Vet Cost: $2,151

Healthy Paws reimbursed: $1,936


Speedy Claim Payouts

With no claim forms to fill out when you want to file a claim, we've created a fast and easy claim process for our customers. Just take a photo of your vet bill and submit it through the Healthy Paws mobile app or your online Healthy Paws customer center. It’s that easy!

How it Works - As Easy As 1, 2, 3*

  1. Visit any US licensed veterinarian or emergency clinic.
  2. Take a photo of your veterinarian bill & submit it via our app/website.
  3. Most claims are processed within 2 days.
*When you file your first claim, we will need a copy of your pet’s full medical history, and if we have any questions, we will reach out to you directly.
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No Maximum Limit on Claim Payouts

Healthy Paws plan coverage is provided with no maximum limits on claim payouts; no per-incident, annual or lifetime caps. If your pet needs treatment for a new accident or illness during the plan effective dates, and it’s not a pre-existing condition or otherwise excluded under the policy, your pet’s veterinary bills will be eligible for coverage.

  • 1 straightforward pet insurance policy
  • No costly add-ons
  • Use any licensed veterinarian

What Pet Insurance Covers

With Healthy Paws, pet insurance in California covers new accidents and illnesses, except for pre-existing conditions or as otherwise excluded under your policy.

Here are some examples of what we cover for California dogs and cats:

  • Illnesses
  • Accidents
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Cancer
  • Diagnostic treatment
  • X-Rays, blood tests, ultrasounds
  • Surgery
  • Hospitalization
  • Prescription medications
  • Emergency care
  • Specialty care
  • Alternative treatment

However, the Healthy Paws plan doesn't cover pre-existing conditions, the examination fee, or preventative care, such as annual check-ups, vaccinations, spay/neuter procedures, and teeth cleaning. For more information, see our complete list of exclusions. With a Healthy Paws insurance plan, you can take your pet to any licensed veterinarian in California, or any other state while traveling, including specialists and emergency animal hospitals that can best tend to your pet’s unique needs.

Why Get Pet Insurance in California?

Even in the most loving California households, pets can suffer from unexpected accidents and illnesses. It is possible for California dogs and cats to fall from high surfaces, develop cancer, and have hereditary conditions that only show up later in life. Other situations that affect California pets include snake bites, coyote attacks, falling objects due to earthquakes, and muscle tears from high-intensity exercise. The five most common claims reported to Healthy Paws from California pet parents are for skin conditions, gastritis, pain, ear infections and eye conditions.

As any local will tell you, California living doesn’t come cheaply, and veterinary costs are no exception to this rule. Healthy Paws pet insurance can help.

Get an instant quote now and take the first step to protect your furry best friend.

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Our Commitment to Our Customers

The Healthy Paws pet insurance plan is designed with straightforward and simple terms of coverage, we reimburse covered claims quickly, and you can count on us to help with great customer service, especially when it comes to reducing the stress of caring for a sick pet.

Our goal is to provide you and your pet with the best customer service and best pet insurance plan in the country. We are grateful to our pet-passionate customers for sharing their love of our plan and service by giving us the #1 customer satisfaction rating at for seven years in a row.


Happy Customers and Pets in California

"It truly feels like they care about the well-being of your pet. Claims are processed quickly, and staff is always super responsive to questions. Thank you, Healthy Paws, for making this ordeal easier to deal with"

- Melaine, Santa Ana, CA

"I absolutely love Healthy Paws. My dog had a very unexpected and expensive surgery a few months ago. Although I was very stressed and an emotional wreck, I was put at ease when I was able to tell the vet 'YES!' without hesitation to the proposed surgery because I knew I had Healthy Paws."

- Kelly, San Francisco, CA

Get a Quote for Pet Insurance in California

Whether you live in the San Francisco Bay Area, the Sacramento Valley, the Central Coast, the Desert Region, or any other part of the state, we are here for you and your pets in California.

Get a fast quote on our website today to take the first step of insuring your dog or cat in California.

Get an instant quote now and take the first step to protect your furry best friend.

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The claim scenarios described here are intended to show the types of situations that may result in claims. These scenarios should not be compared to any other claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law.

Insureds providing testimonials in this report have not received compensation for their statements.