California Pet Insurance

Most California Embrace pet parents in 2025 pay $20–$70/month for dogs and $10–$40/month for cats. Actual premiums vary by age, breed, ZIP code, and the coverage you choose (annual limit, reimbursement percentage, and deductible). Get your exact price in about a minute with no commitment. Start a quote and customize coverage to fit your pet and budget.

Great news: you'll never have to switch vets or worry about networks! With Embrace, you have complete freedom to visit ANY licensed veterinarian in California or anywhere else in the US. From your trusted family vet to emergency clinics and specialists, simply pay your vet, submit your invoice through our easy mobile app, and get reimbursed quickly, often within days. This flexibility means you can always choose the best care for your pet, not just what's "in-network."

California's veterinary costs for procedures like orthopedic repairs, foreign-body surgery, and emergency care can be overwhelming. With Embrace, you transform these potentially devastating expenses into manageable monthly premiums you can actually budget for. Enroll while your pet is healthy to maximize coverage and avoid pre-existing condition exclusions. Think of it as financial protection that lets you say "yes" to the best care without checking your bank account first.

Yes! This is one reason California pet parents choose Embrace. Rattlesnake bite treatment can be extremely expensive, but with our flexible coverage, you're protected. We cover emergency treatment including antivenin, hospitalization, pain management, and follow-up care. With California's year-round snake season, this coverage alone could help protect your savings from unexpected thousands in vet bills. Get protected before hiking season starts.

Absolutely, this California-specific hazard is covered under your Embrace policy! Foxtail removal costs can quickly escalate depending on location and complications. We've got you covered, from simple removals to complex surgeries, including imaging, anesthesia, and antibiotics. Don't let these sneaky grass seeds drain your savings; get coverage that understands California's unique risks.

Yes, when smoke exposure causes respiratory issues like coughing, eye irritation, or breathing difficulties, your Embrace accident-and-illness plan covers the diagnostics and treatment your pet needs (after waiting periods and as long as the condition isn't pre-existing). 

The new rules work in YOUR favor! California now requires total transparency, making it easier than ever to see exactly what you're getting with Embrace. You'll receive crystal-clear information about coverage, exclusions, and pricing with no surprises. These protections, combined with our already flexible coverage, make now the perfect time to get started. Take advantage of these new consumer protections today!

A waiting period in pet insurance is a short period at the start of the policy when coverage for certain conditions or treatments is not yet active. Waiting periods help prevent fraud and vary depending on the type of coverage and the laws in your specific state. Once the waiting period ends, your coverage for those previously restricted conditions kicks in, and your beloved pet can enjoy the full benefits of the policy. These waiting periods or exclusion periods, can vary. Click here to get the details.