San Francisco Pet Insurance

Pet insurance in San Francisco typically costs $30-$80/month for dogs and $10-$40/month for cats, depending on breed, age, and coverage choices (deductible, limit, reimbursement %). San Francisco CA tends to be on the higher end vs. many U.S. cities due to care costs. Get your exact price in about a minute with no commitment. Start a quote and customize coverage to fit your pet and budget.

Absolutely! Your pet deserves the best care, wherever you are in San Francisco or anywhere in the US. Whether it's your trusted neighborhood vet, the specialists at SAGE, or an emergency visit to SFAMC, Embrace gives you the freedom to choose. No restrictive networks mean you're never limited when your pet needs help most.

We keep it simple. Pay your San Francisco vet directly, then get reimbursed fast (often within days via direct deposit!). This means zero delays in your pet's treatment and complete freedom to choose licensed vet in the city. No awkward "are you in-network?" conversations needed.

Lightning fast! We process 90% of claims within just 5 days. While first-time accident/illness claims might need a bit more time for medical records, our direct deposit option means your money hits your account as quickly as possible. Less waiting, more tail-wagging.

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. 

Pre-existing conditions are usually excluded across the industry. However, Embrace Pet Insurance may cover certain curable conditions once a pet has been symptom-free and treatment-free for 12 consecutive months. Ongoing or chronic problems diagnosed before enrollment stay excluded, which is why enrolling pets early is the best approach.

You're in control! Add exam fee coverage when customizing your plan for even more extensive protection.

Your pet's pearly whites are protected! Every Embrace plan includes up to $1,000/year for dental illness (think periodontal disease or necessary extractions), plus policy limits for dental injuries. Want routine cleaning coverage too? Optional Wellness Rewards add-on has you covered.

Yes! We believe in whole-pet wellness. Behavioral therapy, acupuncture, hydrotherapy, and chiropractic care are covered when prescribed for a covered condition by your licensed vet. Modern care for modern pets.

California's new SB 1217 (effective January 1, 2025) brings even more transparency to pet insurance. We're already ahead of the curve. Wellness Rewards is clearly marked as a non-insurance routine care product, separate from your accident/illness coverage. Clear, honest, simple.

Absolutely! Protection can't work backwards! Getting coverage before anything happens means you'll breeze through waiting periods and avoid pre-existing condition exclusions. Peace of mind starts today, not tomorrow.

Save while protecting your whole fur family! Enjoy 10% off for multiple pets, plus 5% for military families. Every little bit helps in expensive San Francisco. Check your quote for your personalized savings.

Design your perfect plan! Choose your annual limit, deductible, and reimbursement percentage (70%, 80%, or 90%) to match your budget and comfort level. Real flexibility for real life.  

San Francisco adventures are covered! From Pacific Ocean mishaps to those notorious steep hill injuries, earthquake emergencies to cliff tumbles. Embrace has your back. Once waiting periods are met and conditions aren't pre-existing, your city-specific worries are our coverage priorities. Your policy terms (deductible, co-insurance, limits) apply, but your peace of mind is priceless.