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Best Pet Insurance Companies in Oceanside

Our Recommended Top 5

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 Oceanside 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.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

2659 State St, Suite 1029, Carlsbad, CA 92008
WebsiteLicense: 0H74852 Rating

Review Sources

5.0 (29)
5.0 (1)

Why choose this provider?

Metro Coast Insurance Services, LLC, serves families and businesses in the Oceanside metro and neighboring communities. Its agents provide tailored insurance coverage that matches their budgets and needs. It offers a wide range of insurance products like life, health, pet, auto, and home. Its pet insurance covers unplanned veterinary expenses linked to injuries or sickness. The plan caters to both large and small pets. The agency represents various insurance companies, like Allstate and Liberty Mutual.

  • Alternative Therapies

616 Stevens Avenue, Suite A, Solana Beach, CA 92075
WebsiteLicense: 0J05901 Rating

Review Sources

4.7 (9)
4.5 (8)

Why choose this provider?

Scott Held Insurance Brokers has been serving the Oceanside area for over a decade. It caters to animal owners who want to acquire pet insurance plans. The independent agency customizes coverage for dogs, cats, reptiles, pigs, rodents, and exotic birds. It offers other personal protection policies, such as life, health, long-term care, classic car, earthquake, and flood insurance. The company works with various carriers, including Foremost, CNA, and Nationwide. Its president and founder, Scot Held, has been in the industry since 1996.

29377 Rancho California Rd. #204, Temecula, CA 92591
WebsiteLicense: 0B20999 Rating

Why choose this provider?

Kathy Jurgensen is a State Farm Insurance agent who serves individuals and families in the Oceanside metro and nearby areas. She provides a variety of policies, including life, auto, health, and pet insurance. Adopting a customer-focused approach, she and her team establish relationships with clients and guide them in choosing insurance options suitable for their needs and situations. Annuities, mutual funds, and banking products are also available. Kathy extends her services to small and large businesses.

  • Policy Bundle Discount

527 Carlsbad Village Drive, Carlsbad, CA 92008
WebsiteLicense: 0D62232 Rating

Review Sources

5.0 (161)

Why choose this provider?

Hugh Kollar is a State Farm agent serving pet owners in Oceanside and the surrounding areas. Hugh offers Trupanion pet insurance plans that cover illnesses, injuries, and breed-specific conditions. The plans protect dogs and cats of any breed and age. Policyholders are able to claim for diagnostic tests, medications, hospital stays, holistic therapy, and prosthetic devices. Hugh Kollar has been providing State Farm products, including auto and homeowners' insurance, since 2002. He is a member of the Chairman's Circle.

  • Multi-Pet Discount

3520 College Blvd 206, Oceanside, CA 92056
WebsiteLicense: 0B90729 Rating

Review Sources

5.0 (115)
4.9 (48)
5.0 (7)

Why choose this provider?

Glenn Domingo is an insurance agent serving clients in the Oceanside area. His services are available for clients looking for pet insurance. He also offers other insurance products covering life, auto, boat and watercraft, home, and condominium. Business insurance policies are available, protecting owners against workers' compensation claims and covering expenses for commercial auto and property. Domingo is a local Farmers Insurance agent. He carries over 25 years of insurance experience. The agent communicates in English, Spanish, and Tagalog.

  • Policy Bundle Discount


  • Are allergies considered a pre-existing condition in pet insurance in Oceanside?

    Yes. Allergies are considered a pre-existing condition and might not be covered by pet insurance in Oceanside. If the allergy is incurable and has been diagnosed, or the symptoms have shown before the policy goes into effect, it will be excluded from the coverage. Whereas, if the allergies are a curable condition and as long as the recurrence of symptoms occurs more than 12 months after the policy's enrollment, some insurers will cover its medical costs.

  • Will you be reimbursed for buying prescription food under pet insurance in Oceanside?

    No. You will not be reimbursed for buying prescription food for your pet's dietary needs under standard pet insurance in Oceanside. Consider getting a wellness plan at an additional cost to supplement your pet's current health plan, which may provide partial or full reimbursement of their prescription food expenses.

  • What is the difference between standard and preventive care services in Oceanside pet insurance policies?

    Standard pet insurance in Oceanside covers most of the costs of an unexpected major illness or injury, while preventive care services include routine health exams, deworming, elective surgeries, vaccinations, and dental cleanings. Preventative treatment isn't often included in a standard pet insurance policy, but you may add it to your pet's current coverage as a supplemental benefit.

  • Is there a best pet age to obtain pet insurance in Oceanside?

    Insuring your pet in Oceanside at a young age is the best way to ensure optimal coverage. This will also reduce the risk of a preexisting condition, which may limit your pet's protection. In addition, many insurance companies have age restrictions for policy enrollment, often between seven and 14 years.

  • Is acupuncture included in pet insurance in Oceanside?

    Acupuncture treatment is included in some pet insurance coverage in Oceanside, while others offer it as complementary treatment coverage, including other non-invasive or alternative treatment methods. Confirm its inclusion in the policy's fine print or with your insurer. For the claim to be valid, your veterinarian must have recommended acupuncture to treat a condition that is not pre-existing. Also, it must be performed by a certified veterinarian.