Top-rated pet insurance companies serve San Diego to Sacramento. A pet insurance policy ensures prompt treatment after an injury or illness and saves money on vet bills.

This Old House compared California's best pet insurance companies to save readers money. Coverage, plan options, price, and reputation.

Lemonade: Best Overall Lemonade has the best overall coverage, plan customization, and cost (96/100)

Spot: Most Customizable Plans Spot's customizable and flexible programmes ensure pet owners only pay for what they need.

Embrace: Best Deductibles Embrace scored 93.5, tied with Healthy Paws. Healthy Pet Deductible reimburses California policyholders $50 per year for no claims.

ASPCA Pet Health Insurance:Best for New Pet Owners ASPCA Pet Health Insurance scored 89 out of 100 in our assessment and offers comprehensive pet insurance.

Fetch by The Dodo: Best Holistic Coverage We recommend Fetch to California pet owners who want broad coverage on holistic remedies advised by a vet.

Healthy Paws: Best Coverage Limit Healthy Paws lacks plan customization and wellness coverage, but its unlimited coverage caps earn it a 93.5 out of 100.

Prudent Pet: Most Comprehensive Plan Prudent Pet's Ultimate Plan scored 95 out of 100 and was named 'Most Comprehensive Plan'