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2024

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Best Pet Insurance Companies in Santa Maria, CA

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 Santa Maria 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.

1979Reviewed

1189Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2007 Preisker Lane Suite A, Santa Maria, CA 93454
WebsiteLicense: 0N05881

Expertise.com Rating

Review Sources

Google
4.9 (17)
Facebook
5.0 (14)
Yelp
5.0 (2)

Why choose this provider?

Pinky's Insurance Agency helps protect the future of its clients in Santa Maria, giving them peace of mind. It offers pet insurance plans so that animal owners can focus on the healing and recovery of their beloved cats and dogs and not worry about medical expenses. Its agents assess each client's protection needs and financial situation and provide customized recommendations. The agency also carries commercial, home, renters', auto, flood, and RV insurance products. It has bilingual staff that speaks English and Spanish.

  • Policy Bundle Discount

1608 Johnson Avenue, San Luis Obispo, CA 93401
WebsiteLicense: 0K05116

Expertise.com Rating

Review Sources

Google
5.0 (102)
Yelp
5.0 (7)

Why choose this provider?

Mike Smith is a State Farm agent serving pet owners in Santa Maria. Mike provides Trupanion pet insurance products that cover breed-specific conditions, illnesses, and injuries. Pet owners are reimbursed for medications, diagnostic tests, hospitalization, and surgeries. Smith has nine years of experience with State Farm. He established his own agency in 2020 and now offers personal and business product lines, including homeowners', condo, and health insurance. Smith also helps clients plan for the future through annuities and mutual funds.

  • Policy Bundle Discount

1650 S. Broadway, Santa Maria, CA 93454
WebsiteLicense: 0K80844

Expertise.com Rating

Review Sources

Google
4.9 (76)
Facebook
4.6 (48)
Yelp
4.0 (9)

Why choose this provider?

Donna Randolph is a State Farm insurance agent that lends her expertise to clients in Santa Maria. Donna offers products that cover pets through Trupanion. Life, homeowners', renters', and condo insurance policies are also available. Her office addresses client concerns and inquiries in English and Spanish. Donna served as a former president of the Santa Maria Women's Network. She is an active member of the Future Business Leaders of America. Donna has been attending to her clients' concerns as an insurance agent for over 14 years.

  • Accident Only
  • Policy Bundle Discount

783 Quintana Road Suite 2, Morro Bay, CA 93442
WebsiteLicense: 0762467

Expertise.com Rating

Why choose this provider?

Karen Perlette provides pet insurance to clients in Santa Maria. She has been a State Farm agent since 1989 and is a second-generation agent. Her products protect pet owners from the risk of losing or damaging their animal companions, personal belongings, and condominium units. In addition, the agent delivers financial products such as annuities and home loans. In her free time, Karen Perlette has volunteered in the local community and served as president of the Morro Bay High School Music Boosters.

  • Policy Bundle Discount

Compare our Top Pet Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Pinky's Insurance Agency
2007 Preisker Lane Suite A, Santa Maria, CA 93454
Mike Smith
1608 Johnson Avenue, San Luis Obispo, CA 93401
Donna Randolph
1650 S. Broadway, Santa Maria, CA 93454
Karen Perlette
783 Quintana Road Suite 2, Morro Bay, CA 93442

FAQs

  • Is your pet still eligible for pet insurance in Santa Maria if it has a pre-existing condition?

    In Santa Maria, obtaining pet insurance for a currently or previously sick pet is possible, but there are important considerations. New insurance won't cover the ongoing illness or any prior medical conditions. Pre-existing conditions are typically not covered by pet insurance companies. However, some insurers might reconsider coverage for a pre-existing condition if it is treatable, the pet has undergone treatment, and the pet has remained symptom-free for a specified duration.

  • What vet expenses can you use your pet insurance for in Santa Maria?

    A typical pet insurance policy in Santa Maria provides coverage for accidental conditions like object ingestion, poisoning, and car accident injuries, as well as illnesses, including cancer and chronic conditions. You can use your pet insurance policy to help pay for emergency and specialist vet care, prescription medicines, hospitalization, surgeries, and diagnostic tests. Some pet insurance companies will also reimburse the costs of alternative treatments and medically necessary prosthetic devices.

  • Are there laws that protect pet insurance consumers in Santa Maria?

    Yes, Assembly Bill No. 2056 in California requires pet insurance companies to disclose conditions and disorders that are not covered, coverage limits such as waiting periods and annual policy limits, and if the premium and/or coverage change due to the policyholder's claim history. The bill also requires insurers to provide a 30-day free-look period following enrollment. If a new policyholder in Santa Maria cancels their policy within this time frame, they will receive a full refund.

  • Can you use your pet insurance policy in any vet hospital in Santa Maria?

    Unlike human health insurance, there are no provider network restrictions for pet insurance. The policyholder must pay the vet bill in full before filing a claim with the pet insurance company. After that, the insurer will reimburse a portion of the vet bill payment via check or direct deposit. Because pet insurance works on a reimbursement basis, veterinarians are not required to accept policies, and policyholders can visit any licensed veterinarian or animal hospital in Santa Maria.

  • Will your pet insurance company in Santa Maria reimburse your pet’s spaying/neutering?

    Preventative or routine care, such as spaying/neutering, is not typically covered by standard pet insurance policies in Santa Maria. However, most pet insurers offer optional wellness plans/packages that you can add to your standard policy. While standard accident and illness policies cover unexpected costs, wellness plans cover your pet's preventative care needs, such as annual checkups, vaccinations, tick/flea prevention, and dental cleanings.