Best Pet Insurance In California 2022 – Forbes Advisor – Forbes

From rattlesnakes lurking in the bushes to earthquakes causing falling objects, living in California can pose some health risks to your pet. When comparing your options, here are some tips for finding the best pet insurance in California.

Choose a plan with a 24/7 vet helpline

Many pet insurance companies offer complimentary access to a 24/7 vet helpline to assist you with pet health-related questions. So if your pup gets sick in the middle of the night, you can reach out to the vet helpline for guidance.

Find out if there are direct vet payments

Some pet insurance companies, like Pets Best and Trupanion, can pay your vet directly, which can minimize your initial out-of-pocket cost.

Look for a multi-pet discount

If you have more than one four-legged companion, some pet insurance companies give you a discount for insuring multiple pets, known as the multi-pet discount. Insurers may also offer other ways to save. Embrace pet insurance, for example, lowers your deductible by $50 every year you go without filing a claim for your pet.

Add wellness or routine care coverage

Regular checkups at the vet can decrease your chances of larger vet bills later. If you want help paying for preventive care costs, look for a pet insurance plan that offers wellness or routine care add-on.

Find out the waiting periods

Every pet insurance company applies a waiting period. That’s the amount of time you must wait after purchase until your pet coverage starts. Some insurers have shorter waiting periods than others. For example, Lemonade’s pet insurance has a two-day waiting period for accidents, while ASPCA Pet Health Insurance has a 14-day accident waiting period.

Selecting a plan with shorter waiting periods is beneficial since you never know when your pet will get sick or injured.

Also, check if the pet insurer has an extended waiting period for particular conditions. If your pet is prone to these issues, such as hip dysplasia, you may want to look at a different pet insurance plan.

Look at whether vet exam fees are covered

While it may seem counterintuitive, not every pet insurance company pays for vet fees for a visit for an accident or illness. If you don’t want to get hit with an exam bill, look for companies that will cover this cost.