Best Pet Insurance in Sacramento (2022 Reviews)

Sacramento Pet Insurance

Looking for pet insurance for your dog or cat in Sacramento can be confusing. How much will pet health insurance cost? What is and is not covered? Is pet insurance legally required in Sacramento?

In this review, we’ll cover the best rated pet insurance providers that offer coverage in Sacramento, CA. We’ll also address many of the questions Sacramento residents may have when first considering pet insurance for their dog or cat.

Sacramento Pet Insurance Companies Reviewed (2022)

The following pet insurance companies offer plans for residents in Sacramento, California. You can view and compare all the plans by scrolling to the right.

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000

What’s The Price of  Pet Insurance in Sacramento, CA?

The cost of Sacramento pet insurance for a 3 year old mixed breed dog based in Sacramento zip code 94203 ranges from $10.00 to $66.24, depending on which Sacramento pet insurance carrier you choose.

The cost of pet insurance can vary significantly by city and state. In addition, your dog’s age and breed also greatly affect the final insurance premium. To receive the most accurate information for your dog based on your Sacramento zip code, enter your information to receive a quote in seconds below.

Is Pet Insurance Legally Required in Sacramento, California?

Pet health insurance is not required by law, however many experts and veterinarians recommend that if you do not have a substantial pet emergency savings account (in the $5,000 to $10,000 range), you probably need to invest is pet insurance. Unfortunately in recent years, the costs of veterinary care (especially emergency vets) has skyrocketed. A single pet health emergency can send you into debt, or force you into a terrible situation in which you may be unable to pay for your dog or cat’s emergency care.

What’s The Best Pet Insurance for Sacramento Residents?

Pet insurance premiums vary significantly based on your dog’s location, breed, and age. There is no single “best” company as there are many options to consider, including deductibles, copays, waiting periods, and annual coverage amounts. Some pet insurers focus more on younger pets with cheaper premiums, while others offer coverage to a wider age group, but at a cost. The best way to find which Sacramento pet insurance option is best for you is to use a pet insurance comparison engines such as this tool.

Dog Ownership in Sacramento – Does Pet Insurance Make Sense if You’re a Sacramento Resident?

Currently, the city of Sacramento has a fast growing population of 524,943, many of which are dog owners. The most popular dog breeds in Sacramento are currently:

1. Chihuahua

2. Labrador Retriever

3. Pit Bull

4. German Shepherd

5. Golden Retriever

6. Shih Tzu

7. Dachshund

Many of these dog breeds suffer from genetic or hereditary conditions, including hip & joint problems, eye problems, and canine allergies. For this reason, pet insurance may be a good investment if you live in Sacramento.

Common Pet Insurance Terms to Understand When Purchasing Pet Insurance in Sacramento:

  • Annual premiums:  This is the monthly cost you pay to an insurer for coverage.
  • Deductibles:  Your pet insurance deductible is the amount you pay for insurance before your plan starts to pay for eligible expenses. Deductibles can be anywhere from $0 to $1,000 or more. The higher your deductible, the lower your monthly premium.  
  • Reimbursement Amount: Typically pet insurance plans pay anywhere from 70-100% of the cost of your pet’s veterinary care.  In the above chart, you can see the different options available by each insurer. The reimbursement amount will also affect your monthly premium.

The Easiest Way to Compare Quotes from Sacramento Pet Insurers

Simply fill out the form below, and you can review quotes from all the major pet insurers at once with no obligation.

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