Best Pet Insurance in San Francisco (2022 Reviews)

San Francisco Pet Insurance

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:

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

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.

Pet Insurance Carrier Comparisons

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Pet Insurance by State

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