English Setter insurance in California: cost and what to look for
Elegant bird dog with a documented rate of congenital deafness alongside hip and skin problems.
- $45–$76/mo est.Typical monthly premium in California (2 yrs, 80%, $250 deductible)
- $696/yr est.Estimated yearly cost at the midpoint
- 5Breed-linked conditions to check coverage for
Which insurer fits an English Setter? See our top picks by priority →
Insurers for an English Setter in California
Estimated monthly price for a 2-year-old at 80% reimbursement and a $250 deductible. These are BreedSure estimates, not quotes from the insurers; each insurer sets its own price.
Odie
Lowest est.14-day illness wait Limits $10,000 or $40,000 Exam fees extra Deductibles $250 or $500
$51/mo est.Plan details for OdieLemonade
14-day illness wait Limits $5,000 to $100,000 Exam fees extra Deductibles $100 / $250 / $500 / $750
$53/mo est.Plan details for LemonadePets Best
14-day illness wait Limits $5,000 to unlimited Exam fees included Deductibles $100 to $1,000
$55/mo est.Plan details for Pets BestEmbrace
14-day illness wait Limits $2,000 to unlimited Exam fees extra Deductibles $200 to $1,000
$58/mo est.Plan details for EmbraceSpot
14-day illness wait Limits $2,500 to unlimited Exam fees included Deductibles $100 to $1,000
$59/mo est.Plan details for Spot
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Fetch
15-day illness wait Limits $5,000 to $15,000 Exam fees included Deductibles $250 to $2,500
$61/mo est.Plan details for FetchHealthy Paws
15-day illness wait Limits $5,000, $7,000 or unlimited Exam fees extra Deductibles $100 to $1,000
$64/mo est.Plan details for Healthy PawsTrupanion
30-day illness wait Limits Unlimited Exam fees extra Deductibles $0 to $1,000 per condition
$73/mo est.Plan details for Trupanion
Estimates updated Sep 2026 · How we estimate
Waiting period. How long after the policy starts before accidents, and then illnesses, are covered. Anything that begins during the wait is excluded. More in the glossaryAnnual limit. The most the policy pays in one policy year. "Unlimited" means there is no yearly cap. More in the glossaryExam fees. The vet's charge for the visit itself, usually $50 to $150, separate from tests and treatment. Some insurers include it; others sell it as an add-on. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossaryWhat English Setter owners claim for
- Hip dysplasia[1]commonMalformed hip joint leading to arthritis. Treatment ranges from pain management to total hip replacement.$1,000–$6,000[2]
- Allergic skin disease[3]commonChronic itching and infections managed with medication, diet and periodic vet visits.$300–$1,500[4]
- $3,000–$10,000[6]
- Eye conditions (cataracts, PRA, cherry eye)[7]occasionalHereditary eye problems; cataract surgery is the expensive end.$300–$6,700[8][9]
- Congenital deafness[1]occasionalInherited hearing loss, most common in white or merle-coated breeds; BAER testing confirms it and there is no cure, so cost is diagnostic testing plus specialized training.$200–$1,500
What an English Setter costs to insure by age in California
Insured as a puppy, an English Setter costs about 44% less per month than one enrolled at 8 (modeled). Conditions diagnosed before enrollment are excluded as pre-existing.
Low, typical and high estimates by age
| Age | Low | Typical | High |
|---|---|---|---|
| Puppy (under 1) | $41/mo est. | $52/mo est. | $68/mo est. |
| 2 years | $45/mo est. | $58/mo est. | $76/mo est. |
| 5 years | $54/mo est. | $70/mo est. | $91/mo est. |
| 8 years | $72/mo est. | $93/mo est. | $121/mo est. |
| 11 years | $100/mo est. | $128/mo est. | $166/mo est. |
Pet insurance in California
California has regulated pet insurance since 2015. SB 1217, effective January 1, 2025, requires insurers to disclose if premiums or coverage change based on a pet's age or a move to a new location, whether a medical exam is required, and any waiting periods, summarized in a standalone 'Insurer Disclosure of Important Policy Provisions' document.
California Department of Insurance handles insurance complaints and consumer questions in California, including about pet insurance.
The average routine vet visit for a dog in California costs about $94.
Source: CareCredit
Under California's AB 1399 (effective January 1, 2024), licensed veterinarians can establish a valid veterinarian-client-patient relationship over telehealth/video.
English Setter insurance in other states
Questions people ask about insuring an English Setter
How much does pet insurance cost for an English Setter?
About $45 to $76 a month in California for a 2-year-old at 80% reimbursement and a $250 deductible, in our model. Older dogs, lower deductibles and higher reimbursement cost more; each insurer sets its own price. How we estimate.
Does pet insurance cover English Setter health problems like hip dysplasia?
Yes, as long as they are not pre-existing. Accident-and-illness plans cover hereditary and congenital conditions, including the ones English Setters are known for: hip dysplasia, allergic skin disease and cancer. All 8 insurers we compare cover hereditary conditions.
At what age should I insure an English Setter?
As young as you can. A puppy has no pre-existing conditions yet, and premiums rise with age: in our model about $58 a month at 2 years and $93 at 8. When to insure, by age.
Is pet insurance worth it for an English Setter?
For breeds with known expensive conditions, it usually is if you enroll young and keep the policy. One cancer bill can run $3,000 to $10,000, several years of premiums. The full math.
Why is the estimate different in California?
Our model scales premiums by a state index built from each state's published average dog insurance premium. Insurers set their own prices, so this is an estimate, not a quote.
Questions owners of English Setters ask
Sources
- English Setter Association of America CHIC health testing requirements (letter to OFA). English Setter Association of America (hosted by AKC), 2014.
- Hip Dysplasia in Dogs Costs. Pets Best.
- 2.1 Atopic Dermatitis - Dogs (Small and Large Animal Dermatology Handbook, Vol. 1). University of Minnesota (open textbook).
- Allergies in Dogs: What You Need to Know. MetLife Pet Insurance.
- Meet the English Setter - Update your knowledge!. World Small Animal Veterinary Association (with IPFD), 2023.
- Dog Chemotherapy Cost: How Much Is Dog Cancer Treatment?. Embrace Pet Insurance, 2025.
- ECVO Manual: Breeds 2021 - English Setter. European College of Veterinary Ophthalmologists, 2021.
- Cherry Eye. Embrace Pet Insurance, 2024.
- Cataracts: What to Expect. University of Missouri Veterinary Health Center, 2025.
How we choose and check sources: Sources we use.
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