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What is Pet Insurance for Dogs and Cats?
We get insurance for ourselves and our families. Pets are part of our families, and we should get insurance for them too. Spot Pet offers top-ranked insurance plans for dogs and cats in the state of California.
Vet bills can be huge when our four-legged babies get hurt or sick. This is where pet insurance can help.
Life is unpredictable, and we know it. Sometimes we’re dealt with unfortunate circumstances that can’t be prevented. However, pet insurance can help protect your pet and your pocket. Learn more about how does pet insurance work and what does pet insurance cover with us!
Common Health Conditions in California Pets
The most common illness claims submitted in California are for diarrhea, vomiting, and allergies†. California pet parents also make the most of the microchip implantation coverage included with every Spot base plan†.
What’s the Average Claim Cost in California?
The average claim submitted in California costs $491; significantly more than the national average†. Fortunately, pet parents can get up to 90% cash back on covered conditions with a Spot plan.
The Highest Reimbursement Paid in California
The largest reimbursement by a Spot plan in California was $23,869†. Through Spot’s unlimited annual plan, this pet parent was able to get financial support and additional peace of mind as they navigated high vet bills.
Vet Offices in California State
No matter if you are in northern California or Southern California, there are a plethora of options for you to choose from.
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursement for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
Why We Recommend Pet Insurance in California?
Coyotes
These smaller cousins of wolves have become a major threat to our pet friends, dogs, and cats in recent times. They attack dogs out of pure aggression and not for defense. Our dogs and coyotes can hence end up in a fight and may get severely injured. Your pets might be safe with you inside your house but at times when left off-leash, a sudden coyote attack may be possible, especially if it is a small dog or a cat. And California has a presence of coyotes almost across the state, from deserts to mountains and to urban areas as well. As pet lovers, we can’t even imagine a pet owner going through this.
Read moreHow Spot Plans Help Protect Your Pet
Orthopedic Injuries
Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $4,410†
You Pay $590
Venomous Creatures
California is home to many species of venomous and stinging animals, including rattlesnakes, wasps, bees, spiders, and scorpions. And there are many dogs who, in their curiosity to interact with these animals, might end up being stung by some. This can very quickly escalate into a life-threatening situation. The encounter may also happen while you’ve taken your buddy to trips along with you. We would just want your pet to get a vet treatment as soon as possible, if bitten.
Read moreHow Spot Plans Help Protect Your Pet
Poison Control Consultation Fees
Spot plans can cover the eligible cost of poison control consultation fees if your pet ingests unknown chemicals or gets bit by something poisonous.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,710†
You Pay $290
Water Woes
California offers hundreds of beaches to choose from for having a nice sunbath or diving in the waters on a warm sunny day. And it might be a good idea to take your dog along as well for him to have a pleasant beach walk followed by a dip in the ocean. But remember, not all dogs are swimmers. Your pet might end up ingesting large amounts of sea water which can lead to salt poisoning and vomiting causing some neurological symptoms. We don’t want your pets to run into serious problems.
Read moreHow Spot Plans Help Protect Your Pet
Emergencies & Hospitalizations
Spot plans cover the eligible costs of emergency care for accidents and illnesses that may happen unexpectedly to your pet.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,260†
You Pay $240
Why is Pet insurance important in California?
These smaller cousins of wolves have become a major threat to our pet friends, dogs, and cats in recent times. They attack dogs out of pure aggression and not for defense. Our dogs and coyotes can hence end up in a fight and may get severely injured. Your pets might be safe with you inside your house, but at times when left off-leash, a sudden coyote attack may be possible, especially if it is a small dog or a cat. And California has a presence of coyotes almost across the state, from deserts to mountains and to urban areas as well. As pet lovers, we can’t even imagine a pet owner going through this.
Interested in Getting a Pet? Check Out These Animal Shelters in California
Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
1)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
California Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of California.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Does Spot Pet Insurance plans work only in California?
Spot Pet insurance plans cover eligible vet care for covered conditions in all 50 states of the US. A waiting period may be needed.
What if I’m Not Sure About My Pet’s Age?
If you do not know the exact date of birth of your pet, please use your best estimate based on your pet’s medical records or shelter/rescue documentation. Your pet’s correct age may be validated when reviewing your pet’s medical records. Spot offers puppy insurance and kitten insurance for young pets.
Is There a Waiting Period for Pet Insurance in California?
Yes, Spot plans typically have a 14-day waiting period for coverage for accidents and illnesses in most states. Get a quote to learn more about the waiting period in your state.
Are There Any Age Limits in California?
Spot Pet Insurance allows enrollment for pets at any age over eight weeks, making it a great option for older pets that might be excluded by other insurers. If you’re unsure of your pet’s precise age, you can estimate it using medical records or shelter/rescue documentation, or validate it through a review of their medical history.