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Best California Spangled Pet Insurance of 2024

Lisa Scott

California Spangled cats are prone to some health issues that could be costly to pay. Pet insurance can help with expensive vet visits when your pet gets sick or injured. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it for a California Spangled?

If you are considering a California Spangled Cat, consider Pet Insurance. This breed is very scarce and expensive to purchase; vets usually don’t know how to treat these cats, and the species has some health issues that could be expensive.

Pet insurance can help defray these costs with proper coverage. It is important to note that some breeds have pre-existing conditions that an insurance company will not cover.

California Spangled Cats have a congenital condition called feline calici virus, a common chronic upper respiratory disease in cats.

This can lead to secondary bacterial infection, which needs antibiotics for treatment. Feline calici virus also leads to ulcers on the tongue and gums, known as stomatitis, which causes inflammation and pain in the mouth.

Common health conditions for a California Spangled

The California Spangled Cat is a healthy domestic cat breed. However, like all cat breeds, they are prone to hereditary health issues. You must research these before buying your kitten.

Retinal Dysplasia

Retinal Dysplasia is a condition that is passed down from the parents of a California Spangled kitten to their offspring. It can occur in varying severity and can even be undetectable. Unfortunately, there is no treatment or cure for this condition, so it is important to ensure that the breeder you are buying from has had their cats checked thoroughly by a vet and doesn’t have dysplasia in their lines.

Hypertrophic Cardiomyopathy (HCM)

Hypertrophic Cardiomyopathy (HCM) is a heart disease common to many breeds of domestic cats including the California Spangled breed. The condition involves an abnormal thickening of the walls of the heart which can lead to complications such as cardiac failure and sudden death. An echocardiogram can detect early signs of the disease, allowing vets to take preventative action before symptoms appear.

What does pet insurance cover for a California Spangled?

Pet insurance can be a great way to ensure your furry family member has the best care without breaking the bank. If you’ve been considering getting pet insurance, you’ve probably done some research and are wondering what exactly pet insurance will cover. The exact coverage details vary by policy and provider, but generally,  most policies focus on illnesses, routine veterinary care, and accidents.

  • Accidents: When your cat gets into a fight and needs stitches or falls off your balcony and breaks a leg, this is considered an accident. Most pet insurance plans will cover accidents that happen both in the home and outside of it.
  • Illness: If your cat gets sick from some sort of illness or virus, like feline leukemia or feline AIDS (FIV), these would be covered by most pet insurance plans.
  • Routine care: Things like vaccines, spay/neuter procedures, dental cleanings, blood panels, or checkups are not covered by most pet insurance plans (although there may be exceptions).

How are pet insurance premiums determined for a California Spangled?

When it comes to pet insurance, you have many factors to consider. You may be concerned about the cost of coverage. Here are some of the main factors that will affect the price of your policy:

  • Location: Often, costs will be higher in cities and areas with higher populations. Additionally, risks specific to your location — such as extreme weather or a high rate of theft — can also play a role in determining your California Spangled’s monthly premiums.
  • Age: Puppies and kittens will pay lower rates for coverage than older pets. This is because young pets are less likely than older ones to need treatment for chronic conditions, which tend to be expensive to treat. Older pets, meanwhile, will pay more for coverage because they’re at a higher risk of needing costly medical care. 
  • Deductible: The deductible is how much money you need to pay out of pocket before your insurer starts paying for claims. A low deductible means coverage kicks in sooner, but it also means you’ll have higher monthly premiums. A high deductible usually entails lower monthly premiums. 
  • Gender:  Male dogs are more likely than females to develop certain types of cancer. In contrast, female cats are at greater risk than males for developing urinary tract infections, leading to costly complications like kidney failure. Still, generally, male dogs cost more to insure. 

How to choose the best pet insurance plan for a California Spangled

Pet insurance is a crucial way to maintain the health of your furry friends. But with various plans and features offered by different companies, it can be challenging to know what you should look for. Here are some tips to get you started:

  • Check out the company’s reputation: Ask your veterinarian or friends what they think of a particular pet insurance company. You can also check with consumer groups such as the Better Business Bureau, ConsumerAffairs, and Angie’s List. The American Veterinary Medical Association also provides a list of pet insurance providers.
  • Consider your budget:  If you’re on a tight budget, you’ll likely want to choose the less expensive plan, which probably won’t cover all or most medical costs. You may have to pay a percentage of each bill. A more comprehensive plan often has higher premiums but may pay for most or all of your pet’s medical expenses.
  • Consider pre-existing conditions: Your pet’s health history is essential to consider because many insurance companies don’t cover pre-existing conditions. That means if your cat has diabetes, it won’t cover specific treatments or costs related to the condition. You may want to look into insurance plans that cover hereditary conditions common in your pet’s breed. 
  • Define your needs: Do you want coverage for routine and preventative care? Do you need a low deductible? Do you want coverage that covers an unlimited amount of accidents and illnesses? Once you know what type of coverage you want, it will be easier to narrow down your options.

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