Expertise.com

2024

Last updated:

Best Pet Insurance Companies in Oakland

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Oakland Pet Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

7602Reviewed

4562Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1546 Palos Verdes Mall, Walnut Creek, CA 94597
WebsiteLicense: 0G92918

Expertise.com Rating

Review Sources

Google
5.0 (359)
Yelp
4.8 (32)
Facebook
5.0 (9)

Why choose this provider?

Andrew Kolasa is a State Farm Insurance agent serving clients in Oakland and the surrounding communities. Kolasa offers pet insurance for cats and dogs through Trupanion, a third-party carrier that provides coverage for illnesses, breed-specific conditions, medications, and veterinary treatments and procedures. His team—who has over 70 years of combined industry experience—also provides auto, homeowners', renters, motorcycle, business, and life insurance. Kolasa is a multilingual insurance agent who also serves individuals who speak Persian and German.

  • Accident Only
  • Policy Bundle Discount

454 Appian Way Ste F, El Sobrante, CA 94803
WebsiteLicense: 0I01110

Expertise.com Rating

Review Sources

Google
4.8 (119)
Yelp
5.0 (21)
Facebook
5.0 (4)

Why choose this provider?

Sonny Randhawa is a State Farm insurance agent that helps individuals, families, and business owners in Oakland who want to protect their assets. Through his Trupanion pet insurance offering, pet owners get covered from necessary medical expenses in case their dogs or cats become sick or injured. This type of insurance covers hospital stays, diagnostic tests, medications, and veterinary supplements. He also offers auto, home, life, health, and business insurance plans. His services are available in English, Spanish, Punjabi, Hindi, and Urdu.

1101 Marina Village Parkway Ste 201, Alameda, CA 94501
WebsiteLicense: 0D47524

Expertise.com Rating

Why choose this provider?

Nathan Douglas Gleason is an insurance agency through Nationwide. It caters to individuals, families, and businesses in the Oakland metro and the surrounding communities. It offers pet insurance policies, which cover accidents and injuries, common and severe illnesses, hereditary conditions, and testing and diagnostics. It also provides auto, condo, homeowners', life, umbrella, and special liability insurance plans. Also included in its line of products are classic car, travel, and workers' compensation insurance. Nathan Douglas Gleason comprises members who can speak Tagalog.

3940 High Street, Suite C, Oakland, CA 94619
WebsiteLicense: 0769539

Expertise.com Rating

Review Sources

Google
4.8 (15)
Yelp
5.0 (9)
Facebook
5.0 (1)

Why choose this provider?

Kristen Law is a State Farm insurance agent that offers policies to pet owners in Oakland and the surrounding communities. She provides pet insurance that covers injuries like bite wounds and broken bones, treatments and procedures such as diagnostic tests and holistic therapies, and breed-specific conditions including elbow and hip dysplasia, Cherry Eye, and thyroid disease. The policy also covers allergies, heart disease, cancer, and other serious illnesses that clients' pets may be suffering from.

FAQs

  • What are Oakland's regulations on pet insurance based on California's specific laws?

    California Insurance Code 12880 to 12880.4, which governs pet insurance in Oakland, requires pet insurers to provide information on reimbursements, restrictions on preexisting conditions, and other coverage boundaries like coinsurance and deductibles. In addition, consumers in Oakland enjoy a 30-day review period that allows for a full policy refund. Notably, an initial bill opposing pre-existing condition exclusions was rejected by the governor.

  • What are the primary pet insurance plans available in Oakland?

    Pet owners in Oakland primarily have three insurance options for their pets. The standard accident-and-illness policy covers both accidental injuries and disease treatments. Alternatively, some people choose accident-only coverage, which excludes illness-related expenses. Furthermore, for preventive measures, many insurers offer wellness add-ons, which include regular check-ups, dental services, immunizations, and sterilization procedures at an additional monthly cost.

  • What doesn't pet insurance cover in Oakland?

    Certain conditions are frequently excluded from coverage under Oakland pet insurance. Incidents resulting from the owner's negligence, such as violence or animal fighting, are not covered. Pre-existing conditions, or those manifested or treated prior to the policy's inception, are also typically ineligible, though some companies may consider coverage after 12 to 18 months as symptom-free. Standard accident and illness policies do not cover routine health maintenance; instead, a separate wellness package is necessary.

  • Why do Oakland pet insurance policies exclude pre-existing conditions?

    To ensure the system's long-term viability, Oakland pet insurance policies do not cover pre-existing conditions. These are health issues that were identified prior to the policy's implementation. Insuring pre-existing ailments may incentivize owners to only insure when their pets are sick, then cancel. This approach would undermine the insurance model, which is based on the law of large numbers, in which many people contribute, including those with healthy pets. As a result, purchasing insurance early maximizes your pet's coverage potential.

  • Do Oakland residents need specific vets for their pet insurance?

    Pet insurance does not bind you to a particular veterinarian. Oakland residents can visit any licensed veterinarian. They settle the bill directly with the vet after receiving services and then file a claim with their pet insurer. Any eligible reimbursements are mailed directly to the policyholder. Unlike human health insurance, which pays doctors directly, pet insurance takes a more flexible approach, allowing for more veterinarian options.