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Best Pet Insurance in Palm Springs, CA of 2022

Lisa Scott

Finding the best pet insurance Palm Springs has to offer can be a difficult task for any pet owner. With so many different companies offering an array of coverage plans, how do you know what type of policy is right for you and your pet? To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

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.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

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

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

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 Palm Springs?

The benefits of having pet insurance are quite evident, which is you can cover unexpected costs for medical emergencies without worrying about expensive medical bills. And if you’re already investing money in the best food, toys, and treats for your pet, a pet insurance plan can reassure you their medical needs will be taken care of as well.

Another reason pet insurance is worth the investment is convenience. With pet insurance, your pet will be treated as soon as it’s diagnosed. Once your pet receives its treatment, you can focus on your pet and its recovery so it is able to return home safe and sound.

Keep in mind, most policies will pay to treat chronic conditions from when you sign up or within a certain number of days after enrollment — typically 60 or 90 days. (Some companies pay only after a waiting period.) If your pet has been diagnosed with diabetes or arthritis before you buy insurance, you should be able to claim reimbursement if he starts showing symptoms while insured.

What types of pet insurance plans are in Palm Springs?

Here are the main types of pet insurance plans:

  • Accident-only plan: This policy will pay the veterinarian if your dog or cat gets injured in an accident and needs medical attention. 
  • Accident and illness plan: This plan is designed to cover medical expenses for your pet that occur as a result of an unplanned emergency, such as a vehicle accident or an unexpected illness. This is the plan to get coverage for an ill or injured pet. It enables you to concentrate on your pet’s well-being rather than on costly veterinary costs.
  • 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 care: This policy covers accidents, illnesses, and injuries will pay claims as long as you continue to pay your premiums. In addition, it pays for routine care such as vaccinations and annual checkups.

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 emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

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.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked 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.
  • Additional 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 Palm Springs?

Pet insurance on average costs about $28 per month for dogs and $24 per month for cats. It’s important to note that the average annual cost is more than the average monthly cost when you are determining your payment plan. Dog owners will pay an average of $345 annually, while cat owners will pay an average of $269 annually for their pets’ medical care. The following factors also play a role in determining the cost of pet insurance:

  • Pet’s age: As your pet gets older, more health problems are bound to arise. Thus, older pets tend to cost more to insure in comparison to younger ones.
  • Type of pet: Different types of pets will be charged different premiums based on the perceived risk to their health that they pose. For example, dog owners pay more for their pet policies than cat owners because dogs are more likely to have certain kinds of health problems.
  • Location: Some areas have more dangerous wildlife than others, which can mean higher premiums for pet owners there. Other factors include the availability of free pet health care at local vets, reducing costs for those who would otherwise have to pay for private treatment.
  • Breed: Insurers may consider certain breeds at greater risk than others. For example, German Shepherds suffer from hip dysplasia, which can be costly to treat. As a result, these dogs may have higher premiums than other breeds that aren’t susceptible to hip problems.
  • Type of coverage: Comprehensive policies are more expensive than accident-only policies but offer more range. Accident-only policies provide reimbursement for accidents only, such as broken bones or bites from other animals. They generally don’t cover illnesses such as cancer or arthritis unless it’s a direct result of an accident.

What are the veterinary costs in Palm Springs?

The average cost of veterinary care in Palm Springs is $1200-$2800 per year. The average price of an emergency visit is around $200, depending on the severity of the visit. Treatments for animals are expensive, and these costs can add up if you have a serious medical issue with your pet. However, pet insurance can help reduce the cost of veterinary visits and any associated treatments.

How to choose the best pet insurance in Palm Springs

When choosing pet insurance, keep a few of these factors in mind so you can make an informative decision for your pet:

  • 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.
  • Knowing your pet’s health history: When searching for an insurance policy, keep your pet’s medical history in mind, including any surgeries or illnesses they’ve had and whether they’re spayed or neutered. With all this information, you’ll be better prepared to make an informed decision about which pet insurance plan is right for your pet.
  • Customer reviews: Check what other customers in Palm Springs 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.