Best Pet Insurance in Brea, CA of 2022

Lisa Scott

Pet insurance can help cover unexpected veterinarian bills, so you aren’t in a financial crisis. You can expect most pet insurance policies in Brea City to cover the following: emergency care, annual wellness visits, and illnesses. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality in Brea so you can make the best decision for your pet.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


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 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 Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


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

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


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

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


Coverage Up To


Reimbursement Rates


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

Is pet insurance worth it in Brea?

Like humans, our pets require just as much love and wellness care, therefore a pet insurance plan can be a great resource to help maintain their health. Not only does it come in handy during medical emergencies, but it can also be useful for routine care to help prolong your pet’s life.

Another reason pet insurance is worth the investment is convenience. With pet insurance, your pet will be treated as soon as it’s diagnosed, and you don’t have to stress about the hefty bill. You can focus on your pet and its recovery so it is able to return home safe and sound.

Keep in mind that as your pet ages, it is more likely to develop injuries and illnesses. Pet owners are encouraged to purchase an insurance plan when their pet is young because any pre-existing conditions your pet may have will likely not be covered.

What types of pet insurance plans are in Brea?

When making a decision to get a pet insurance plan, you need to consider your options. The following are some plans you can choose from:

  • Accident-only plan: This plan covers any unexpected costs associated with an accident such as hospital visits, treatment, and medication. Accident-only policies will not cover illnesses or wellness care such as vaccinations and heartworm prevention.
  • Accident and illness plan: This type of plan covers both accidents and ongoing illnesses. You can expect the insurance premium to be higher than with an accident-only plan but you will have more coverage. If you’re worried about both kinds of risks, this might be a more suitable plan for your pet.
  • Wellness plan: This type of plan is designed to provide routine preventative care for your pet. Wellness policies may cover things like annual checkups, vaccinations, and parasite control. 
  • Comprehensive plan: This is the most common form of pet insurance, and it covers all of your pet’s health care needs, both routine and emergency. These policies typically include wellness coverage, which protects pets against common illnesses like parasites, fleas, and ticks via preventative care.

What does pet insurance cover and exclude?

The following are most commonly covered under pet insurance policies:

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes routine care and emergency medical treatment. This type of policy is also expected to cover x-rays, medications, and surgery.
  • Preventative care: This would include wellness exams, routine lab tests, and nutrition counseling if you are seeking regular maintenance for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: imaging exams such as an ultrasound, CT scan, MRIs, etc.

The following is a list of exclusions you should be aware of when looking at pet insurance policies:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Specific injuries and illnesses: Pet insurance will not pay for injuries or illnesses caused by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and declawing. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in Brea?

Pet insurance costs can depend on several factors, including the following:

  • Age and breed: Pets that are younger typically cost less to insure in comparison to elderly pets. Breeds with a higher incidence of certain health problems also cost more to insure.
  • Type of coverage: What type of coverage are you seeking for your pet? Do you want your pet to be covered for accidents-only or for illnesses-only? What about routine care like annual check-ups? Pet insurance policies vary widely in their scope of coverage and this will factor into the cost as well. If you are seeking maximum coverage, you’re more likely going to be paying a higher premium.
  • Pre-existing conditions: If your pet has pre-existing health conditions when you sign up for an insurance policy, the company may either refuse coverage or charge extra for it.

Pet insurance in Brea typically ranges between $11 and $40 per month, depending on the factors above.

What are the veterinary costs in Brea?

The veterinary costs are often determined on the basis of your pet’s needs. The least expensive options are medications and clinic visits, while more expensive options include surgery and hospitalization.

  • Office visit costs: If your pet needs to visit the veterinarian, you should expect to pay approximately $50 for an initial exam without any treatment and $100 for a full examination with treatment. These prices do not include the cost for medications, which often vary in price depending on the prescription ordered.
  • Surgery costs: These can range from $1,000 to $5,000 depending on the severity of the issue that needs to be treated.

How to choose the best pet insurance in Brea

When choosing pet insurance, the options can be quite overwhelming. There are several costs and policy types to consider. Here are some tips on how to choose the best pet insurance for your pet’s needs:

  • Get quotes from multiple carriers: Shop around for the best coverage at a reasonable price. Compare not just price but also deductible amounts, annual premiums, reimbursement levels, and the policy length. Ask about any limitations and exclusions that apply to the policy.
  • Veterinarian recommendations: Does your pet’s veterinarian recommend a specific type of insurance? If so, take that advice into consideration and allow them to walk you through the process of choosing the best policy for your pet’s needs. 
  • Understanding the terms of the policy: By taking the time to thoroughly review your policy, you will know what kind of services will be covered and what will be excluded. You can also assess if your pet requires basic insurance or potentially add-on options such as wellness and preventative care.
  • Customer reviews: Check what other customers in Brea have to say about an insurance agency you’re considering. Read reviews about the customer’s experience, their service, and how they handle their claims process. This will make it easier for you to come to a decision.