Best Pet Insurance In Arizona For May, 2024
Lemonade Pet Insurance is my favorite pick for the best pet insurance company in Arizona.
Our team of pet insurance experts reviewed 40 quotes from 18 pet insurance companies to find the most suitable coverage for various situations. Lemonade Pet Insurance emerged as the top choice for overall pet insurance coverage in Arizona. It also ranked highest for providing the most cost-effective options, especially for owners with young pets.
Nevertheless, three other companies—ASPCA, Embrace, and Pets Best Pet Insurance—also excelled in specific categories.
In the upcoming sections, we’ll delve into some of the finest pet insurance options available in Arizona and examine how various factors can influence overall premiums.
Best Pet Insurance In Arizona, 2024
Comparison Of The Best Pet Insurance Companies In Arizona
| Embrace |
|
Cat Owners |
48 hours for accidents and 14 days for illnesses |
$20.44 |
$48.25 |
Instant Quote |
| Lemonade Pet Insurance |
|
Overall Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Lemonade Pet Insurance |
|
Affordable Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| ASPCA |
|
New Pet Owners |
Immediately for preventive care and 14 days for illnesses and accidents |
$38.67 |
$83.30 |
Instant Quote |
| Lemonade Pet Insurance |
|
Owners of Young Pets |
2 days accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Pets Best |
|
Owners of Multiple Pets |
3 days for accidents and 14 days for illnesses |
$29.54 |
$41.39 |
Instant Quote |
Our Methodology
To determine Arizona’s cheapest pet insurance rates, our team analyzed findings from several pet insurance companies throughout the state. We also utilized our team of insurance experts' combined twenty-five years of experience to evaluate each carrier.
It’s important to note that even though the rates listed in this guide are accurate, premiums shift daily and can fluctuate based on a pet’s age or breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
The Best Pet Insurance Companies In Arizona
Best Overall Coverage
Key Statistics
Why We Like Them
⇅Several factors contribute to determining the best pet insurance company in a region, including affordability, customer service quality, and claims processing efficiency. In Arizona, Lemonade Pet Insurance stood out as the leading performer across most categories. Their monthly coverage rates are notably affordable, starting at $18.41 for cats and $35.18 for dogs.
In addition to competitive rates, Lemonade received high praise from pet owners in Arizona for its exceptional customer service. The team demonstrates a genuine concern for animals, evident in their attentive assistance to policyholders.
Benefits & Drawbacks
⇅- 2-day waiting period for accidents
- Industry-leading claims processing department
- Numerous discounts available
- A percentage of monthly premiums goes toward nonprofits ✓
- Some pet breeds have age restrictions for enrollment
- Policies aren’t available in every state
- Pet owner credit and claim history are factored into insurance rates ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Many pet owners aim to safeguard their beloved furry companions, often believing that insurance comes with a hefty price tag. However, Lemonade Pet Insurance dispels this notion, showing that pet insurance can be affordable. On average, cat owners typically pay just $18.41, while dog owners pay approximately $35.18.
To further enhance affordability, Lemonade Pet Insurance provides various discounts, including bundling options that can reduce costs by up to 15%. Additionally, their user-friendly mobile app simplifies the management of existing policies, offering convenience and efficiency.
Benefits & Drawbacks
⇅- 2-day accident waiting period
- Claims processing is faster than other major competitors
- Numerous discounts available
- The company donates a portion of the policyholder’s premium to nonprofits ✓
- Certain pet breeds aren’t covered after a certain age
- Coverage is limited based on the state you live in
- Pet owner credit and claim history are factored into insurance rates ✘
Best For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Most individuals opt for younger pets who can grow alongside their new family. While welcoming a kitten or puppy into your home is thrilling, the accompanying responsibilities may seem daunting at first. In addition to proper training, it’s crucial to partner with a pet insurance provider that simplifies the process of obtaining and managing coverage.
Lemonade Pet Insurance offers the ideal combination of affordability and user-friendly features. The company boasts an industry-leading mobile app and customer service team, with average rates of $18.14 for cats and $35.18 for dogs.
For owners of young pets, Lemonade Pet Insurance stands out as the top choice, offering unmatched convenience and peace of mind.
Benefits & Drawbacks
⇅- Policyholders only have a 2-day waiting period for pet injuries
- Fast turnaround times for processing claims
- Numerous discounts available
- The company donates a portion of the policyholder’s premium to nonprofits ✓
- Specific pet breeds don’t qualify for coverage after a certain age
- Coverage doesn’t extend to all 50 states
- Pet owner credit and claim history are factored into insurance rates ✘
Best For New Pet Owners
Key Statistics
Why We Like Them
⇅For new pet owners, choosing a pet insurance company with a strong track record and a commitment to animal welfare, such as ASPCA, holds significant importance.
While ASPCA may have slightly higher average premiums compared to other providers, with cat insurance averaging $38.67 and dog insurance at $83.30, several advantages offset the increased costs. One notable benefit is ASPCA’s lack of an age limit, ensuring that senior pets can receive coverage regardless of their age.
Moreover, ASPCA offers supplementary coverage for behavioral issues and alternative therapies, particularly advantageous for certain dog breeds. This comprehensive approach to coverage enhances the value of ASPCA’s insurance plans.
Benefits & Drawbacks
⇅- Coverage extends to items like alternative therapies, behavioral issues, and congenital conditions
- Cruciate injuries only have a 14-day waiting period
- 24/7 telehealth vet line
- Vet clinic visit fees for illnesses and accidents are covered under standard policies ✓
- Unlimited annual coverage is only available through an agent
- Minimum options for deductibles ✘
Best For Cat Owners
Key Statistics
Why We Like Them
⇅Arizona cat owners seeking top-notch policies for their feline friends should seriously consider Embrace Pet Insurance. The company provides cost-effective rates for cat insurance, averaging around $20.44 per month.
While numerous pet insurance companies contribute to local charities, Embrace goes the extra mile by donating $2 for every policy sold.
Additionally, Embrace Pet Insurance is the preferred partner of several major car and home insurance providers such as USAA, Allstate, and GEICO. This endorsement highlights the trustworthiness and reliability of Embrace within the insurance industry.
Benefits & Drawbacks
⇅- Cost-friendly policy options
- Most standard policies include coverage for curable pre-existing conditions
- Owners with animals needing orthopedic care can skip the waiting period with a vet exam ✓
- Senior pets over the age of 14 only qualify for accident-only policies
- Supplement coverage isn’t a part of standard policies ✘
Best For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅Having multiple pets can entail additional costs for essentials like food and toys, but it can also lead to savings when it comes to pet insurance. Many providers, such as Pets Best, offer a multi-pet discount for policies covering more than one animal.
In addition to this discount, Pets Best boasts affordable monthly premiums, with average rates for cat insurance at $29.54 and dog insurance at $41.39.
Pets Best goes beyond just affordability by offering policyholders various benefits. These include access to a 24/7 vet helpline for emergencies and extending coverage to animals with disabilities or those requiring special prosthetic devices. This comprehensive coverage ensures peace of mind for pet owners facing unexpected challenges.
Benefits & Drawbacks
⇅- Benefits extend to pets needed wheelchairs or prosthetic devices
- Veterinarian help is available via the 24/7 vet healthline
- Accident coverage comes with a 3-day waiting period
- Flexible coverage options for accident and illness policies ✓
- Claims processing tends to be slower than other competitors
- Policy changes are only possible during the time of renewal ✘
Average Cost Of Pet Insurance In Arizona
Average Cost In Arizona — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $15.01 |
| Sphynx | $15.92 |
| Siamese | $20.19 |
| Maine Coon | $25.33 |
Average Cost In Arizona — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Affenpinscher | $17.03 |
| Labradoodle | $35.88 |
| Greyhound | $61.79 |
| Newfoundland | $83.31 |
Average Cost In Arizona — Accidental-Only Coverage
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $28 |
| Pets Best | $33 |
| TrustedPals | $34 |
| Figo | $40 |
| ASPCA | $51 |
Average Cost In Arizona — Comprehensive Coverage
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $36 |
| Pets Best | $43 |
| Lemonade | $46 |
| Trusted Pals | $50 |
| Healthy Paws | $55 |
How To Find The Best Pet Insurance Company For You
Buying pet insurance resembles purchasing your own health or life insurance. It’s crucial to compare rates, but before you dive in, it’s essential to understand what factors to consider in a pet insurance policy.
For instance, most companies offer accident-only coverage or a comprehensive accident and illness plan. Each type of plan has its advantages and is suitable for different scenarios.
Accident-only coverage is typically ideal for younger pets less prone to age-related illnesses. Conversely, comprehensive plans are more beneficial for breeds with a higher risk of health issues.
Another crucial factor to weigh is the waiting period. Since each pet insurance company sets its waiting period for accidents and illnesses, it’s vital to assess what aligns best with your pet’s health needs.
Largest Pet Insurance Companies In The United States
| Company Name | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | .73% |
| Pumpkin Pet Insurance | .48% |
How To Buy Pet Insurance Online In Arizona
Here are four crucial steps to follow during the pet insurance purchasing process:
Collect all essential information in advance (e.g., pet type, breed, age, medical history, and any documentation related to the pet’s lineage).
Determine the desired coverage amount and deductible for your pet.
Compare quotes from at least three different pet insurance carriers.
Complete the purchase of your policy and inform your veterinarian about your new coverage.
Factors That Impact Cost Of Your Pet Insurance Policy In Arizona
Many pet owners believe that the monthly premium for their pet’s coverage depends solely on one or two factors. However, several elements contribute to establishing the rate for pet insurance. These pricing factors include:
Animal Type
When purchasing your pet insurance policy, the type of pet you own significantly influences monthly payments. On average, dog owners pay 2-3 times more for coverage than cat owners due to dogs being outside more frequently, posing increased risks.
Breed
The breed of your pet also impacts the cost of pet health insurance. While many dog breeds have similar premiums, some are considered high-risk due to specific health issues. For instance, breeds like boxers and bulldogs, prone to sinus and skin problems, typically incur higher monthly premiums due to the increased likelihood of health issues.
Age
Age is a major factor in pet insurance quotes. While some carriers offer affordable pricing regardless of age, others may deny coverage for older pets. If you have a senior pet, it’s crucial to explore various pricing options.
Insurance Type
When purchasing pet insurance, you’ll typically choose between accident-only or accident and illness coverage. While both plans offer protection, comprehensive policies generally cost more. Assessing whether the added coverage justifies the extra monthly expense is important.
Location
Regional pricing is another consideration for pet insurance companies. While premiums may not vary significantly between cities, certain state regions may have differing pricing factors.
Understanding these elements can help pet owners make informed decisions when selecting the right insurance coverage for their furry companions.
Arizona Pet Insurance Laws To Know
While pet insurance isn’t mandated by law for Arizona pet owners, various regulations aim to safeguard animals and their owners. One such measure is a recent House Bill that has been enacted into law. This bill addresses the use of a dog’s breed in decisions regarding homeowners’ and renters’ insurance.
Previously, insurance companies had the authority to deny coverage, terminate a policy, or increase premiums based on a pet’s breed. However, with the passage of House Bill 2323, such discriminatory practices are now prohibited. Insurance companies are no longer permitted to discriminate against dogs based on their breed or appearance.
In The News
- As of June 30, 2023, insurance companies can no longer use a dog’s breed as the sole factor in underwriting decisions.
- Governor Katie Hobbs signed into law Senate Bill 1053, which allows vets to establish a veterinary-client relationship through telemedicine.
Pet Insurance Discounts In Arizona
Like other health insurance plans, pet insurance in Arizona can vary in cost. However, there are ways to reduce the overall expense of a pet health insurance policy, such as utilizing discounts. Although not all pet insurance providers offer identical discounts, it’s worthwhile to consider the following options:
- Employer-sponsored discounts
- Multi-pet discount
- Employee union discounts
- Wholesale and special interest clubs discounts
- Multi-policy discount
- Active and retired military discounts
- Senior discounts
- Online policy discounts
- Animal care employee discounts
- Special service animal discounts
FAQs
Do all vets take pet insurance in Arizona?
All veterinary clinics in Arizona will typically accept pet health insurance, as the process involves the pet owner paying for the medical expenses upfront and then seeking reimbursement from the pet insurance company. This payment method allows pet owners to choose their preferred veterinary clinic without restrictions based on insurance acceptance.
How much is pet insurance in Arizona?
Similar to trends across the nation, cat owners in Arizona typically pay lower premiums for coverage compared to dog owners. On average, cat insurance policies in Arizona carry a monthly premium of $27.56, whereas dog insurance tends to cost around $48.81 per month.
Do I legally have to insure my pet in Arizona?
Although pet insurance is advisable for all pets, it’s important to note that it’s not a legal requirement to have your dog or cat insured in Arizona.
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