Best Pet Insurance in San Francisco (2022 Reviews)

Shopping for pet health insurance for your pet in San Francisco can be confusing. How much will it cost? What is and isn’t covered? Is pet insurance required in San Francisco?

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

San Francisco Pet Insurance Reviews (Updated 2022)

The following pet insurance carriers offer coverage in San Francisco, CA:

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

Get Quote

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How Much Does Pet Insurance Cost in San Francisco, CA?

The cost of San Francisco pet insurance for a 3 year old mixed breed dog based in San Francisco zip code 94016 ranges from $10.00 to $93.75, depending on which San Francisco pet insurance carrier you choose.

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

Is Pet Insurance Required by Law in San Francisco, California?

Pet health insurance is not required by law, however experts recommend that if you do not have a substantial pet emergency savings account (in the $5,000-10,000 range), you probably need to invest is pet insurance protection. 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’s emergency care.

Which Pet Insurance Company is Best for San Francisco Residents?

Pet insurance pricing changes frequently 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. The best way to find which San Francisco pet insurance option is best for you is to use a pet insurance comparison engines such as this.

Dog Ownership in San Francisco – Does Pet Insurance Make Sense?

Currently, San Francisco has a fast growing population of 873,965, many of which are passionate dog parents. The top dog breeds in San Francisco are currently reported as:

1. French Bulldog

2. Labrador Retriever

3. Golden Retriever

4. Pembroke Welsh Corgi

5. Poodle

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