Best Pet Insurance Companies In Arizona For February, 2024

Lemonade Pet Insurance is my top choice for Arizona’s best pet insurance company.

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Updated: 23 February 2024
Written by
Doug Schaffer
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Our pet insurance professionals analyzed 40 quotes from 18 pet insurance brands to determine the best coverage for different scenarios. Lemonade Pet Insurance offers the best overall pet insurance coverage in Arizona. They also scored highest for the most affordable coverage and owners with young pets.

However, three other companies, including ASPCA, Embrace, and Pets Best Pet Insurance, also stood out for their respective categories.

In the following sections, we’ll analyze some of Arizona’s best pet insurance options and how different factors can impact overall premiums.

Best Pet Insurance Companies In Arizona, 2024

Lemonade
Best Overall Coverage - Lemonade Pet Insurance
Lemonade
Best for Affordable Coverage - Lemonade Pet Insurance
Lemonade
Best for Owners of Young Pets - Lemonade Pet Insurance
aspca
Best for New Pet Owners - ASPCA Pet Insurance
embraceicon-logo
Best for Cat Owners - Embrace Pet Insurance
Best Pet Insurance, Arizona 2024

Comparison Of The Best Pet Insurance Companies In Arizona

Overall Rating Best For Coverage Waiting Period Average Annual Cost for Cats Average Annual Cost for Dogs Get A Quote
Lemonade Pet Insurance
4.7

Overall Coverage

2 days for accidents and 14 days for illnesses

$18.41

$35.18

Instant Quote
Lemonade Pet Insurance
4.7

Affordable Coverage

2 days for accidents and 14 days for illnesses

$18.41

$35.18

Instant Quote
Lemonade Pet Insurance
4.7

Owners of Young Pets

2 days accidents and 14 days for illnesses

$18.41

$35.18

Instant Quote
ASPCA
4.6

New Pet Owners

Immediately for preventive care and 14 days for illnesses and accidents

$38.67

$83.30

Instant Quote
Embrace
4.7

Cat Owners

48 hours for accidents and 14 days for illnesses

$20.44

$48.25

Instant Quote
Pets Best
4.5

Owners of Multiple Pets

3 days for accidents and 14 days for illnesses

$29.54

$41.39

Instant Quote
Scroll to see comparisons

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.

40

Quotes Analyzed

15+

Years Of Industry Experience

18

Brands Reviewed

30+

Research Hours

Pet Insurance Company Reviews


Best Overall Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many elements make a pet insurance company the best in an area, like affordability, customer service, and claims processing speed. In Arizona, Lemonade Pet Insurance was the top performer in most categories, with affordable monthly coverage rates of $18.41 for cats and $35.18 for dogs.

Along with cheap pet insurance rates, Arizona owners also rated Lemonade as having one of the best customer service experiences in the area. Team members genuinely care about animals, and it shows in the service they provide policyholders.

Benefits & Drawbacks

Benefits
  • 2-day waiting period for accidents
  • Industry-leading claims processing department
  • Numerous discounts available
  • A percentage of monthly premiums goes toward nonprofits
Drawbacks
  • 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

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many pet owners want to protect their furry friends, but most assume coverage is costly. However, as Lemonade Pet Insurance proves, pet insurance doesn’t have to break the bank. On average, most cat owners only pay $18.41, while dog owners pay around $35.18.

To help with affordability, Lemonade Pet Insurance also offers a variety of discounts, including bundling opportunities that can decrease costs by as much as 15%. They also have an easy-to-use mobile app that helps to manage existing policies quickly.

Benefits & Drawbacks

Benefits
  • 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
Drawbacks
  • 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

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Most people adopt younger pets that can grow with their new family. While having a kitten or puppy is exciting, the new responsibilities that come with a pet might initially be overwhelming. Along with proper training, you’ll also want to work with a pet insurance organization that makes it easy to obtain and manage coverage.

Lemonade Pet Insurance is the perfect combination of affordability and user-friendly features. The company also has an industry-leading mobile app and customer service team, with average rates of $18.14 for cats and $35.18 for dogs.

There isn’t a better option for owners of young pets than Lemonade Pet Insurance.

Benefits & Drawbacks

Benefits
  • 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
Drawbacks
  • 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

Overall Rating
4.6

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

As a new pet owner, having a pet insurance company, like ASPCA, with a solid foundation and proven history of advocating for animal health is important.

The company has slightly higher average premiums, with cat insurance costing $38.67 and dog insurance costing $83.30. However, several positives outweigh the additional costs of purchasing through ASPCA. For example, ASPCA has no age limit, so senior pets can get coverage regardless of age.

ASPCA also offers additional coverage for behavioral issues and alternative therapies, which can benefit certain dog breeds.

Benefits & Drawbacks

Benefits
  • 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
Drawbacks
  • Unlimited annual coverage is only available through an agent
  • Minimum options for deductibles

Best For Cat Owners

Overall Rating
4.7

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

Arizona cat owners looking for the best policies for their feline companions should strongly consider Embrace Pet Insurance. The company offers affordable rates for cat insurance, including an average of $20.44 per monthly premium.

While many pet insurance organizations support local charities, Embrace takes it further with a $2 donation for every policy they sell.

Embrace Pet Insurance is also the partner choice of many large car and home insurance providers like USAA, Allstate, and GEICO.

Benefits & Drawbacks

Benefits
  • 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
Drawbacks
  • 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

Overall Rating
4.5

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
9/10 Coverage Level

Why We Like Them

Owning multiple pets can mean extra expenses for food and toys, but it’s often a bonus for pet insurance. Many pet insurance companies like Pets Best offer a multi-pet discount for policies with multiple animals.

On top of the discount, Pets Best also offers affordable monthly premiums, including average cat insurance rates of $29.54 and dog insurance rates of $41.39.

Pets Best also provides policyholders several benefits, including access to a 24/7 vet helpline for emergencies. They also extend coverage to animals with disabilities or needing special prosthetic devices.

Benefits & Drawbacks

Benefits
  • 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
Drawbacks
  • 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

Purchasing pet insurance is similar to buying your own health or life insurance. It’s essential to compare rates, but before you do so, you’ll want to ensure you know what elements to look for in a pet insurance policy.

For example, most companies offer accident-only coverage or an accident and forgiveness plan. Both types of plans have their benefits and make sense for different situations.

The accident-only coverage is often best for younger pets less likely to develop an age-related illness. Likewise, breeds with a high-risk factor benefit more from a comprehensive plan.

Another component you’ll want to consider is the length of the waiting period. Since each pet insurance company has a different waiting period for accidents and illnesses, you’ll need to determine what makes the most sense for your pet’s health.

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

Purchasing insurance for your pet is a simple process, especially when using a platform like Insuranceopedia. Although, there are several things you can do ahead of time and throughout the application to help speed things along.

Below are four important steps you’ll want to take during the pet insurance buying process:

  • Step 1: Gather all important information ahead of time (EX: pet type, breed, age, medical history, and any documentation you have on the pet’s lineage)
  • Step 2: Identify the amount of coverage and deductible you want for your pet
  • Step 3: Compare at least three pet insurance quotes from different carriers
  • Step 4: Purchase your policy and reach out to your vet to let them know about your new coverage

Factors That Impact Cost Of Your Pet Insurance Policy In Arizona

Many pet owners assume the monthly premium for their pet’s coverage is tied to one or two factors. However, several elements go into establishing a rate for pet insurance. These pricing components include:

  • Animal Type
  • Breed
  • Age
  • Insurance Type
  • Location

Animal Type

When it comes time to purchase your pet insurance policy, the type of pet you have will play a significant role in determining monthly payments. On average, dog owners pay 2-3x more for coverage than cat owners due to the increased risk of being outside more frequently.

Breed

Similar to the type of animal category, the breed of pet you have will also factor into your pet health insurance cost. While there isn’t a large discrepancy for many dog breeds, some are still considered high-risk.

For example, boxers and bulldogs have a history of sinus and skin issues. The increased likelihood of developing a problem also increases the monthly premium.

Age

Age will also play a major role in your quotes from pet insurance organizations. While some carriers will keep pricing affordable regardless of age, others will deny the application if the pet is too old. If you have a senior pet, it’s important to shop around for pricing.

Insurance Type

You’ll have two main options when purchasing your pet insurance policy: accident-only or accident and illness coverage. Both plans will offer protection for your pet, but the comprehensive policy will generally cost more. Considering whether the added coverage is worth the additional monthly cost is essential.

Location

Regional pricing is another component that many pet insurance companies will consider when you apply for coverage. While there doesn’t tend to be a considerable difference in premiums from city to city, some state regions are conside

Arizona Pet Insurance Laws To Know

Although pet insurance isn’t a legal requirement for Arizona pet owners, several laws and bills are still in place to offer protection for animals and their owners. For example, a recent House Bill was introduced and signed into law that involved using a dog’s breed on homeowners’ and renters’ insurance decisions.

Previously, a company could deny an applicant coverage, drop a policyholder, or charge more per month based on a pet’s breed. However, with the passing of House Bill 2323, it’s now illegal for insurance companies to discriminate based on a dog’s 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.

Information About Arizona

Arizona is home to one of the largest cities in the United States and features a deep Native American heritage. Several reservations and cultural sites exist throughout the state as a way for citizens to learn more about the Native American people and their traditions.

Arizona is also known for its breathtaking landscape, including popular tourist attractions like the Grand Canyon, Coconino National Forest, and Monument Valley. Travelers visiting the area have endless opportunities to explore and enjoy beautiful nature.

Pet Insurance Discounts In Arizona

Similar to other forms of health insurance, pet insurance can be costly depending on where you live in Arizona. One way to minimize the overall cost of a pet health insurance policy is through discounts. While not every pet insurance provider will offer the same type of discounts, you should still explore 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 vet clinics in Arizona will accept pet health insurance since it relies on the pet owner paying the medical expenses and receiving  reimbursement from the pet insurance company.

How much is pet insurance in Arizona?

Like other states nationwide, Arizona cat owners pay less for coverage than dog owners. An average cat insurance policy in Arizona has a monthly premium of $27.56, while dog insurance typically costs $48.81 per month.

Do I legally have to insure my pet in Arizona?

Even though pet insurance is recommended for all pets, it’s not a legal requirement to have your dog or cat insured in Arizona.

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