Best Pet Insurance In Arkansas For 2024

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

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Updated: 23 February 2024
Written by
Doug Schaffer
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Our team of pet insurance experts extensively reviewed quotes from 18 pet insurance carriers to identify the provider offering the best overall coverage for various scenarios in Arkansas. Lemonade Pet Insurance emerged as the top choice.

In addition to offering the best pet insurance policies in Arkansas, Lemonade also received high marks for providing the most affordable premiums. However, it’s important to note that while Lemonade Pet Insurance ranked first in our assessment, there were other companies that excelled in their respective categories.

In the following sections, we will examine some of the highest-rated pet insurance companies in Arkansas and discuss how various factors can impact premiums.

The Best Pet Insurance In Arkansas, 2024

Best Overall Coverage - Lemonade Pet Insurance
Best For Affordable Coverage - Lemonade Pet Insurance
Best For Owners Of Young Pets - Lemonade Pet Insurance
Best For New Pet Owners - ASPCA Pet Insurance
Best For Cat Owners - Embrace Pet Insurance
Best Pet Insurance, Arkansas, 2024

Compare The Best Pet Insurance In Arkansas

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

Overall Coverage

2 days for accidents and 14 days for illnesses



Instant Quote
Lemonade Pet Insurance

Affordable Coverage

2 days for accidents and 14 days for illnesses



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Cat Owners

48 hours for accidents and 14 days for illnesses



Instant Quote
Lemonade Pet Insurance

Owners Of Young Pets

2 days for accidents and 14 days for illnesses



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Pets Best

Owners Of Multiple Pets

3 days for accidents and 14 days for illnesses



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New Pet Owners

Immediately for preventive care and 14 days for illnesses and accidents



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Our Methodology

For us to determine the lowest pet insurance premiums in Arkansas, we had to consider information and data gathered from various pet insurance carriers doing business in the state. We also put our combined twenty-five years of experience to good use by having our pet insurance experts score each pet insurance company. You should know that although the rates we've shown here were accurate and up-to-date when we published this guide, insurance premiums can go up or down daily and may fluctuate based on your pet’s breed or its age.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

The Best Pet Insurance Companies In Arkansas

Best Overall Coverage

Overall Rating

Key Statistics

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

Why We Like Them

Several factors contribute to determining the best pet insurance company in a specific area. Affordability, customer service, and claims processing speed are all crucial factors in selecting the top pet insurance provider. Lemonade Pet Insurance excelled across multiple categories in Arkansas, making it the standout choice.

With its budget-friendly monthly rates of $18.41 for cats and $35.18 for dogs, Lemonade emerges as the clear winner in terms of affordability. In addition to its competitive rates, Lemonade receives high praise from Arkansas pet owners for its exceptional customer service.

Users often highlight the genuine care and dedication shown by Lemonade’s customer service team towards pets, reflecting in the excellent service provided to policyholders.

Benefits & Drawbacks

  • A 2-day waiting period is provided for accident coverage.
  • The claims processing department is leading in the industry.
  • There is a wide array of discounts available.
  • A portion of your monthly premiums contributes to nonprofit organizations.
  • Certain pet breeds are subject to age restrictions for enrollment.
  • Insurance policies are not accessible in all states.
  • Insurance rates take into account the credit and claim history of pet owners.

Best For New Pet Owners

Overall Rating

Key Statistics

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

Why We Like Them

New pet owners should prioritize selecting a pet insurance company, such as ASPCA, known for its outstanding service and commitment to advocating for animal health.

While ASPCA may have slightly higher premiums compared to some states, in Arkansas, this isn’t the case. With dog insurance priced at $21.74 per month and cat insurance at $13.87 monthly, ASPCA Pet Insurance offers competitive rates.

However, affordability is not the only advantage of ASPCA. The company provides additional coverage in areas such as alternative therapies and behavioral issues, which can be beneficial for certain pets. Additionally, ASPCA’s policy of having no pet age limit ensures that senior pets can be insured regardless of their age.

Benefits & Drawbacks

  • Coverage encompasses a wide range of items, including alternative therapies, behavioral issues, and congenital conditions.
  • For cruciate injuries, there is a mere 14-day waiting period.
  • Access to a 24/7 telehealth vet line is provided.
  • Standard policies include coverage for vet clinic visit fees related to illnesses and accidents.
  • To access unlimited annual coverage, you must go through an agent.
  • There are limited deductible options available.

Best Affordable Coverage

Overall Rating

Key Statistics

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

Why We Like Them

Many pet owners desire insurance protection for their furry companions, ensuring they aren’t faced with life or death decisions based on the cost of life-saving procedures. However, there’s a common misconception that insurance coverage for pets comes with exorbitant costs.

Lemonade Pet Insurance challenges this notion with its affordable rates, proving that coverage and protection for your pet doesn’t have to break the bank. For instance, cat owners pay an average of only $27.52 monthly, while dog owners pay about $40.10 per month.

In addition to competitive rates, Lemonade Pet Insurance offers various attractive discounts, including opportunities to bundle coverage and pets, reducing costs by up to 15%. Bundling options make coverage even more accessible and affordable for pet owners. Moreover, Lemonade provides a user-friendly mobile application, assisting policy owners in efficiently managing their pets’ policies.

Benefits & Drawbacks

  • A 2-day waiting period for accidents.
  • Claims processing is swifter compared to other major competitors.
  • An abundance of discounts is at your disposal.
  • A segment of the policyholder's premium is contributed to nonprofit organizations.
  • Certain pet breeds face coverage restrictions after reaching a specific age.
  • Coverage limitations are contingent upon the state of residence.
  • Insurance rates take into consideration the credit and claim history of pet owners.

Best For Owners Of Young Pets

Overall Rating

Key Statistics

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

Why We Like Them

Many individuals opt to adopt young pets that can grow alongside their family. While fluffy kittens and playful puppies are undeniably adorable, the newfound responsibilities of owning a pet—especially a very young one—can be daunting at first.

Alongside implementing a solid training plan, finding a suitable pet insurance carrier that simplifies the process of insuring your new furry companion is essential.

Lemonade Pet Insurance strikes the perfect balance between affordability and exceptional features. With its cutting-edge, user-friendly mobile app and highly acclaimed customer service team, Lemonade stands out as a top choice. Moreover, Lemonade’s average rates of $27.52 for cats and $41.10 for dogs are budget-friendly.

For owners of young pets, Lemonade Pet Insurance undoubtedly offers the best option.

Benefits & Drawbacks

  • Policyholders enjoy a brief 2-day waiting period for pet injury claims.
  • Claims are processed with rapid turnaround times.
  • There is a plethora of available discounts.
  • A part of the policyholder's premium is contributed to nonprofit organizations.
  • Specific pet breeds become ineligible for coverage once they reach a certain age.
  • Coverage is not extended to all 50 states.
  • Insurance rates take into account the credit and claim history of pet owners.

Best For Owners Of Multiple Pets

Overall Rating

Key Statistics

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

Why We Like Them

Owners of multiple pets understand that each pet brings along additional expenses, including food, vet bills, and toys. However, having multiple pets may not necessarily be a financial burden when it comes to purchasing pet insurance.

Many pet insurance carriers, such as Pets Best, offer multi-pet discounts for insuring more than one pet.

In addition to the multi-pet discount, Pets Best offers low monthly premiums. For example, the average monthly rates for cat insurance are $19.57, while monthly rates for dog insurance average $38.42, depending on the breed.

Pets Best also provides several benefits to its policyholders, including access to a 24/7 veterinary helpline for emergencies. Additionally, they extend coverage to pets with disabilities or those requiring specialized prosthetic devices.

Benefits & Drawbacks

  • Coverage includes pets requiring wheelchairs or prosthetic devices.
  • Round-the-clock veterinarian assistance is accessible through the 24/7 vet healthline.
  • There is a 3-day waiting period for accident coverage.
  • Flexible coverage choices are available for both accident and illness policies.
  • Claims processing tends to exhibit slower turnaround times compared to other competitors.
  • Policy adjustments are only feasible during the renewal period.

Best For Cat Owners

Overall Rating

Key Statistics

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

Why We Like Them

Arkansas residents who are cat owners seeking the best insurance coverage for their feline companions should consider Embrace Pet Insurance. Embrace offers cat insurance at reasonable rates, with an average premium ranging from $20 to $25 per month.

In addition to its affordable rates, Embrace distinguishes itself by supporting local animal charities through a $2 donation for each policy sold.

Furthermore, Embrace serves as the pet insurance partner for several major home and auto insurance companies, including Allstate, GEICO, and USAA, providing added convenience and potential savings for policyholders.

Benefits & Drawbacks

  • Policy options are budget-friendly.
  • The majority of standard policies provide coverage for treatable pre-existing conditions.
  • Owners with pets in need of orthopedic care can bypass the waiting period with a veterinary examination.
  • Accident-only policies are the sole option for senior pets aged 14 and older.
  • Supplemental coverage is not included in standard policies.

Average Cost Of Pet Insurance In Arkansas

Average Cost In Arkansas — By Cat Breed

Cat Breed Average Monthly Cost
Sphynx $33.88
Maine Coon $31.05
Siamese $27.79
Domestic Shorthair $26.00

Average Cost In Arkansas — By Dog Breed

Dog Breed Average Monthly Cost
Labradoodle $29.37
Affenpinscher $38.79
Greyhound $51.24
Newfoundland $71.94

Average Cost In Arkansas — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $27
Pets Best $32
TrustedPals $33
Figo $39

Average Cost In Arkansas — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
ManyPets $34
Pets Best $37
Lemonade $45
Trusted Pals $47
Healthy Paws $53

How To Find The Best Pet Insurance Company For You

Choosing the right pet insurance is akin to selecting life or health insurance for yourself. Before comparing rates, it’s crucial to understand which features matter most in pet insurance policies.

Some companies offer coverage solely for accidents, while others provide accident and forgiveness plans. Each plan has its advantages, suitable for different scenarios. For example, accident-only coverage might be ideal for young pets less prone to age-related illnesses. Conversely, breeds predisposed to certain health conditions might benefit more from comprehensive plans.

Additionally, consider the waiting period before benefits activate. Waiting periods vary among pet insurance providers for both illnesses and accidents. Conduct thorough research to determine the most suitable policy for your pet’s 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 Arkansas

If you prefer the convenience of researching and purchasing pet insurance online, the internet offers a seamless solution. Platforms like Insuranceopedia streamline the process, allowing you to complete everything from the comfort of your home. Here are four essential steps to follow when buying pet insurance:

Collect all necessary information before beginning your search. This includes details such as your pet’s type (e.g., cat or dog), breed, age, medical history, and any relevant documentation regarding their lineage.


Determine the optimal coverage and deductible amounts for both you and your pet based on your needs and budget.


Compare quotes from at least three different pet insurance companies to ensure you’re getting the best deal and coverage options.


Narrow down your choices to the top three contenders and eliminate two, leaving you with your final selection. Then, proceed to submit an application, purchase the chosen policy, and inform your veterinarian about your pet’s new insurance coverage.


Things That Have An Impact On The Cost Of A Pet Insurance Policy In Arkansas

Many pet owners mistakenly believe that the cost of pet insurance premiums is determined by only a couple of factors. However, in reality, several elements contribute to establishing rates for pet coverage. These factors include:

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

When you’re ready to purchase pet insurance after conducting research and comparing options, it’s important to understand that the type of pet you have significantly influences the monthly premiums. On average, dog owners can expect to pay 2-3 times more than cat owners.

This discrepancy is largely due to dogs spending more time outdoors, increasing their risk of accidents and illnesses compared to indoor cats.


The breed of your pet also plays a crucial role in determining the cost of pet health insurance. While there may not be significant differences in premiums among many dog breeds, certain breeds are considered higher risk. For instance, breeds like bulldogs and boxers have a predisposition to sinus problems and skin issues, resulting in higher insurance costs.


The age of your pet is another factor considered by pet insurance carriers when providing quotes. Some insurers strive to keep premiums affordable regardless of your pet’s age, while others may decline coverage if your pet is deemed too old. Therefore, senior pet owners should carefully research to find the best insurance options for their older pets.

Insurance Type

When purchasing a pet insurance policy, you typically have two main options: Accident-only coverage or both accident and illness coverage. While both types offer protection for your pet, a comprehensive policy will generally come at a higher price compared to accident-only coverage. It’s essential to weigh the cost of the added coverage against the benefits it provides.


Many pet insurance companies take regional pricing into account when assessing coverage applications. While there may not be significant variations in pet insurance costs between different cities, certain areas within a state might be considered high risk due to a higher frequency of claims.

Pet Insurance Discounts In Arkansas

Pet insurance, like other forms of insurance, can vary in cost depending on your location. One effective strategy for reducing premium expenses is to take advantage of discounts offered by pet insurance providers. However, it’s important to note that not all carriers offer the same discounts. Therefore, it’s wise to shop around and compare companies to identify potential discounts that can help lower your premiums. Below are some options to consider:

  • Active and retired military discounts
  • Employer sponsored discounts
  • Multi-pet discount
  • Special service animal discounts
  • Employee union discounts
  • Multi-policy discount
  • Wholesale and special interest clubs discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts

Arkansas Pet Insurance Laws To Know

Several bills and laws have been enacted to safeguard animals and their owners. A recent Arkansas House Bill has been introduced and subsequently signed into law, prohibiting homeowners’ or renters’ insurance companies from factoring in a dog’s breed when making insurance decisions.

Prior to the enactment of this bill, insurance companies had the authority to cancel a policy, deny coverage to an applicant, or impose higher premiums based on the breed of the insured dog. With the implementation of House Bill 2323, insurance carriers are prohibited from discriminatory practices based on a dog’s breed or appearance.

In The News

  • As of 1991, Arkansas has a pet “lemon law” that is officially known as the Arkansas Retail Pet Store Consumer Protection Act. The text of the law specifically says that the legislature wants to recognize dogs and cats as “companions rather than commodities.” This law provides protections to both pets and their owners.
  • The pet lemon law states that pet buyers have 10 days to get the pet checked by a veterinarian. If declared unfit, the seller must either pay for the expense of treatment to correct whatever is wrong, or accept the pet back and refund the buyer’s money.


Do all vets take pet insurance in Arkansas?

The majority, if not all, veterinary clinics in Arkansas accept pet health insurance. This is because pet owners typically pay for medical expenses upfront and subsequently receive reimbursement from their pet insurance provider.

How much is pet insurance in Arkansas?

In Arkansas, as in many other states across the US, cat owners generally pay lower premiums for pet insurance compared to dog owners. On average, cat insurance policies in Arkansas carry a monthly premium of $27.56, while dog insurance typically costs around $48.81 per month.

Do I legally have to insure my pet in Arkansas?

In Arkansas, there’s no legal requirement to insure your dog or cat, but it’s strongly advised to do so.

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