Finding the best cheap pet insurance in California can feel overwhelming, especially with so many companies claiming to offer the most affordable and comprehensive coverage. But for pet parents who care about their pet’s health and their budget, it’s crucial to know which providers offer the best pet insurance for dogs, cats, and other animals without compromising quality.
Whether you’re searching for low-cost pet insurance for dogs, cat insurance, or just a good pet insurance comparison, here are the top 5 cheap pet insurance companies in California, USA that are trusted, affordable, and popular for 2025.
5. Embrace Pet Insurance
Embrace is known for its customizable pet insurance plans, allowing Californians to get solid coverage at competitive prices. With monthly premiums averaging $12–$35 for cats and $20–$45 for dogs, Embrace provides a smart solution for those looking for cheap pet insurance options.
Why Embrace is Cheap in California:
- Offers a Healthy Pet Deductible that reduces your deductible by $50 each year you don’t file a claim.
- Custom plans help you avoid paying for unwanted features.
- Efficient digital claim system saves overhead, lowering costs for users.
✅ Great for those seeking pet care insurance that adjusts with their pet’s age and condition.
4. MetLife Pet Insurance
MetLife is one of the most trusted names in insurance, and its pet insurance plans are no exception. With monthly premiums starting as low as $9, MetLife offers one of the best pet insurance for dogs and cats in terms of value.
Why MetLife is Affordable in California:
- No upper age limits or breed exclusions.
- Discounts available for multiple pets and military families.
- Direct vet reimbursement system lowers claim processing times and costs.
🔍 MetLife ranks highly in pet insurance comparison for those who want canine insurance or animal health insurance without spending a fortune.
3. Pets Best Insurance
Pets Best has been a leading choice for pet health insurance for years. Owned by Synchrony, it combines financial strength with customizable policies. Average premiums range from $11/month for cats to $20/month for dogs.
Why Pets Best is a Cheap Option in California:
- Allows routine wellness add-ons at low rates.
- No annual or lifetime payout limits.
- 24/7 vet helpline reduces emergency costs.
💡 Best suited for pet owners seeking affordable dog insurance or pet insurance for cats with full transparency.
2. Hartville Pet Insurance
Hartville, underwritten by Crum & Forster, offers affordable pet insurance that covers everything from accidents and illnesses to preventive care. Monthly prices average $10–$16 for cats and $18–$38 for dogs in California.
Why Hartville is Budget-Friendly in California:
- Offers accident-only plans for as low as $10/month.
- Broad network of partner veterinarians helps reduce treatment costs.
- Fully customizable plans and annual coverage limits.
🐾 Hartville stands out in pet medical insurance and animal insurance for dogs, especially for older pets.
1. ASPCA Pet Health Insurance
ASPCA tops our list for 2025 as the best cheap pet insurance company in California. Not only is it affordable—with plans starting around $10/month for cats and $20/month for dogs—but it also offers comprehensive protection backed by one of the most trusted names in animal welfare.
Why ASPCA Insurance is the Best Value in California:
- Covers exam fees, diagnostics, alternative therapies, and more.
- Multiple plan tiers to fit every budget.
- Includes coverage for pet insurance cost from both emergency and routine vet visits.
🛡️ ASPCA is your go-to option for top-rated pet insurance, pretty insurance plans, and reliable coverage that supports both pet and owner.
FAQ Section: Answering Your Pet Insurance Questions
Q1: What is the cheapest pet insurance in California?
A: Based on current 2025 data, MetLife and ASPCA offer the lowest-cost pet insurance plans in California while still maintaining solid coverage. Prices can start as low as $9/month.
Q2: Does cheap pet insurance cover everything I need?
A: Most cheap pet insurance options (like Embrace and Hartville) let you customize coverage. If you’re just looking for accident-only coverage, you can save even more.
Q3: Is there affordable dog insurance specifically for older pets?
A: Yes! Both Hartville and ASPCA offer dog insurance with no age limits, making them ideal for senior pet coverage.
Q4: Which pet insurance is best for routine care?
A: Pets Best and ASPCA offer wellness packages that cover routine visits, vaccinations, and flea/tick prevention at a low monthly add-on cost.
Final Thoughts: Protecting Your Pet Without Breaking the Bank
If you’re living in California and looking for the best pet insurance for dogs or cats that doesn’t drain your wallet, the five companies listed above—Embrace, MetLife, Pets Best, Hartville, and ASPCA—are excellent starting points. They balance price, coverage, and reputation, making them top picks for 2025.
Whether you’re a new pet parent or switching providers, don’t overlook how cheap pet insurance can still deliver top-rated care. From pet medical insurance to animal insurance for cats, the options are both wide and affordable.
Have a Question?
Still unsure about the best plan for your furry friend? Drop your question in the comments, or consult with your local vet about which pet insurance for dogs or cats makes the most sense for your lifestyle and budget.