Best Pet Insurance in Culver City, CA of 2022

Lisa Scott

When you begin your search for pet insurance, you are often seeking a plan that can meet your furry friend’s unique needs. To help you find the best pet insurance in Culver City, we have looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

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.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

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

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

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

$3,000

Coverage Up To

100%

Reimbursement Rates

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

Is pet insurance worth it in Culver City?

There are several benefits from having a pet insurance policy, even when you assume you may never need to use it. For example, if your pet has a condition that requires ongoing medication, like diabetes or epilepsy, you may want to consider pet insurance. It can be difficult to estimate how much medication will be required, and it’s often lifelong health maintenance with these conditions. Your pet may also require routine check-ups with its veterinarian, and pet insurance can help ease the cost of treatment.

Another reason pet owners choose to get insured is so they can make sure medical treatments are accessible when necessary. Additionally, if your pet requires emergency surgery, pet insurance can help ease the burden of your medical bills. This way you can solely focus on the recovery of your pet.

What types of pet insurance plans are in Culver City?

Choosing a pet insurance plan can take some time as you consider your options and the pet’s needs. In Culver City, there are four major types of pet insurance plans:

  • Accident-only plan: This plan covers any costs associated with an accident such as hospital visits, treatment, and medication. Accident-only policies will not cover illnesses or wellness care, and any pre-existing conditions are also exempt.
  • Accident and illness plan: This type of policy covers costs associated with both an illness or an accident. Keep in the mind, the insurance premium will likely increase as you will have more coverage than an accident-only policy.
  • Wellness plan: This typically includes routine check-ups for your pet, vaccinations, and preventative care. You can add this on to one of the other plan options for greater benefits.
  • Comprehensive plan: This type of plan offers maximum coverage which includes accident, illness, and wellness care. If you want your pet to be covered for all potential health concerns and routine care, this is the plan for you.

What does pet insurance cover and exclude?

The following are most commonly covered under pet insurance policies:

  • Treatment for an illness or injury: Treatments include routine care and medical emergencies. This policy would also cover x-rays, surgery, and medication.
  • Diagnostic testing: This includes ultrasounds, CT scans, MRIs, and other imaging exams.
  • Preventative care: This would include maintenance for your pet such as wellness exams, routine lab tests, and nutrition counseling. Heartworm testing and flea/tick preventatives are also included.
  • Vaccinations: Annual vaccines against diseases like rabies, canine distemper, and feline panleukopenia are typically covered.

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

  • Elective surgeries: These types of procedures include dental care, spaying (for females), neutering (for males), and declawing.
  • 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.

How much does pet insurance cost in Culver City?

The average cost of pet insurance in Culver City is $20 per month. However, various factors can affect the cost of pet insurance such as:

  • Location: Where you live will be calculated into your monthly premium. This is due to the fact that specific regions have a higher cost of living, which will also impact veterinary medical costs.
  • Type of breed: Depending on the breed of your dog, it could potentially cost more to cover. Specific breeds are prone to developing certain conditions or illnesses hence why they cost more to cover.
  • Age: The younger an animal is, the healthier it is likely to be. When your pet begins to age, the more likely it is to need veterinary care. Illnesses such as arthritis and cancer can rack up thousands of dollars in bills over time and become quite costly for the insurance agency.
  • Type of coverage: Whether you’re choosing an accident-only, accident and illness, wellness care, or a comprehensive plan, all vary in price and will affect your monthly premium.

What are the veterinary costs in Culver City?

The average cost of visits to a veterinarian in Culver City is $2245 per year. This figure includes fees for the initial examination, vaccinations, tests, treatments, and follow-up visits. The price per visit can vary depending on where you live, your pet’s needs, and on the veterinary practice.

How to choose the best pet insurance in Culver City

Here are a few tips to help you find the best pet insurance plan that fits your pet’s needs in Culver City:

  • Get quotes from multiple agencies: 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. It also helps you understand how much each claim will cost so that you can properly budget for any future visits or treatments that your pet may need.
  • 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.