Best Pet Insurance In Arizona

A vet checking a dog

Getting pet insurance coverage for your furry friend in Arizona is one of the best decisions you will ever make for yourself and your pup.

Because, if you and your pup call Arizona home, then you already know you cohabit with many other critters like Scorpions, snakes, and javelina that could harm your pup.

Also, Arizona’s weather conditions can be really extreme, thereby exposing your pup to illness.

Pet insurance can help ease the financial stress of these incidents happening thus allowing you to focus on what’s important for your pet’s health.

So, in this article, you’ll learn about some of the best insurance providers in Arizona as well as how to find them.

Also, we have answers to some of the frequently asked questions about pet insurance in Arizona.

Without much ado let’s get into details.

How Does Pet Insurance Work In Arizona?

Pet insurance in Arizona works like every other health insurance for Arizonians in which you pay a fee in installments monthly.

Whereby the insurance company offers a variety of insurance packages with each one having different levels of packages.

Then, whenever your pup gets ill suddenly or injured the insurance will cover part of the maximum percentage or all the bills.

With this, you can ensure that your pet will have access to a good quality of care while also limiting how much you will spend out of your pocket.

However, the premium you pay is usually affected by some factors which are the type of animal, breed, age, gender, and location as well as the amount of coverage.

Remember that just like other insurance policies, pet insurance in Arizona does include a waiting period as well.

Also read about: 5 Best Pet Insurance Companies For Dogs and Cats in 2023.

What Does Pet Insurance In Arizona Typically Cover?

For Arizonians, pet insurance in Arizona does vary depending on the company and the type of policy.

However, when it comes to pet insurance it actually covers a wide range of costs and they include:

  • Hospital care
  • Sudden illness
  • Accidents and injuries
  • Surgery
  • Hereditary or breed-specific conditions
  • Diagnostics
  • Medications
  • Various therapies (eg. alternative or behavioral)

These listed above will be covered under the different types of coverage plans and discounts of the insurance company.

Top 5 Best Pet Insurance In Arizona 

1. Lemonade Pet Insurance:


Lemonade provides a variety of insurance choices. In addition to pet insurance, Lemonade also offers home, renters, and auto insurance.

Basically, they offer a variety of coverage limits, reimbursement and deductibles, and discount options. 

Also, they offer an inexpensive boost coverage and several ads-on as a result, making it a more comprehensive coverage for your animal.

Lemonade is unique among insurance providers because it isn’t just interested in making money.

Instead, the cost of claims is covered by premiums. Any money left over at the end of the year is donated to its clients’ favorite charities.

That said, Lemonade has 3 different types of the waiting period, which is 2 days waiting period for accidents, 14 days for illnesses, and 6 months for cruciate ligament injuries.

A cat typically costs $15 per month, whereas a dog typically costs $37 per month. 

For an additional fee, you can also choose to add a wellness package to your coverage. 

It starts at $10 a month for cats and goes up to $15 a month if you choose the highest level.

Depending on the level of coverage, Lemonade may offer annual deductibles between $500 and $5,000 and coverage up to $100,000.

Remember that species, gender, age, and location will all affect the price, so keep that in mind.


  • Offers a 48 hours waiting period for accidents 
  • No age limit for coverage 
  • Optional wellness plan available 
  • Multiple discount programs 
  • Fast processing of claims
  • Multiple policies and riders available 
  • Offers a multi-pet discount of 10%


  • Don’t cover behavioral treatments
  • No unlimited benefits 
  • No money-back guarantee 

Also, check this article about Emotional Support Animals (Everything You Need to Know).

2. Embrace Pet Insurance:


Embrace pet insurance provides you with a variety of options for coverage, reimbursement, and deductibles within your budget.

Also, you can lower your premium with a diminishing deductible that reduces it by $50 each year you don’t have a claim paid

Their coverage includes accidents, illnesses, and other conditions. In addition, they also offer an accident-only policy.

However, when you buy an accident-only policy you won’t be covered for conditions included in accident and illness plans.

Embrace is best for older pets because they are willing to offer coverage for animals that are up to the age of 15.

In addition, all of their policies come with a 30-day money-back guarantee or a prorated refund.

Plans for dogs cost an average of $30 to $40 a month, and for cats, $15 to $20. Keep in mind that prices will vary according to breed, gender, and age.


  • Offers employers and military benefits 
  • Has a 24/7 pet telehealth line.
  • 2 days of waiting period for an accident
  • Covers the veterinarian office visit fee for illness and accidents.
  • Provides an excellent range of options for annual coverage, reimbursement, and deductibles.


  • No unlimited benefits 
  • Strict pre-existing condition rules

3. Spot Pet Insurance:


Spot Pet Insurance is an easy method to guarantee that your pet gets the necessary medical treatment when it’s most required. 

They’re easy to use; all you have to do is visit your veterinarian, submit a claim following treatment, and wait for payment. 

Additionally, you may tailor the policy to match the requirements of your pet and your budget by selecting the level of coverage you choose.

The average monthly cost for dogs is about $30, and the average monthly cost for cats is about $25. 

The pet insurance company Crum & Forster underwrites Spot. The spot is customizable with an annual maximum of $2,500. 

Additionally, it offers several preventive health packages for an additional cost and a 10% multi-pet discount on animals added to the insurance. 

Plans from Spot are also available without a yearly cap.


  • No upper age limit 
  • 30 days money back guarantee 
  • Covers the veterinarian office visit fee for illness and accidents
  • Offers a multi-pet discount of 10%
  • Optional wellness plan available
  • Has a 24/7 pet telehealth line
  • A low $100 deductible is available
  • Its standard plan includes microchipping.
  • Has option for unlimited annual coverage 


  • Doesn’t cover pets under eight weeks old.
  • The waiting period for accidents is 14 days

4. ASPCA Pet Insurance:


ASPCA pet health insurance is one of the best due to its partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA).

In addition, ASPCA does not demand prior exams before enrolling, just like some other pet health insurance companies.

Also, other pet insurance companies do not cover pre-existing conditions; however, ASPCA handles pre-existing conditions that are curable.

This means that if your animal has a curable condition and is free from the treatment and symptoms for at least 180 days it can be covered.

ASPCA pet insurance costs $49 per month for dogs and $29 for cats, however, keep in mind that these costs vary based on the plan you choose, location, your pup’s age as well as the breed.


  • Covers horses in addition to dogs and cats.
  • Pre-existing conditions are covered after 180 days.
  • No upper age limit.
  • Covered stem cell therapy and microchipping.
  • Includes coverage for Exam fees
  • Offers a multi-pet discount of 10%
  • Has a 24/7 telehealth line


  • Doesn’t offer unlimited annual coverage 
  • Has a 15-day waiting period for accidents

5. Healthy Paws Pet Insurance 

Healthy Paws was founded in 2009 as a nonprofit to assist pet owners with their financial responsibilities for their animals.

In order to aid animal rescue organizations with sick animals.

Aon Corporation, a leading international insurance broker, has partnered with Healthy Paws, and Chubb Group supports its line of pet insurance policies.

Accidents, illnesses, cancer, urgent care, genetic problems, dental care, and complementary treatments like acupuncture and chiropractic are all covered by Healthy Paws insurance.

Plans for dogs cost an average of $39 monthly, while the monthly cost for cats is $12.

The 30-day money-back guarantee, adaptable coverage, and a $25 one-time registration charge are the standout benefits.


  • Covers breed-specific conditions
  • No limits on coverage
  • Good BBB rating
  • Fast claim repayment


  • New member fee
  • No preventive care benefits

Now you have learned about some of the pet insurance companies in Arizona. Let’s find out how to get the best.

Which Pet Insurance In Arizona Is Best For Me?

The decision to purchase pet insurance is a very crucial one to which you have to apply carefulness to.

Your insurance should be affordable while also providing you with the protection you require. 

As a result, you must ask for a sample policy to review and request quotes from several firms.

A sample policy will detail the benefits that each plan offers and the exclusions. Compare the waiting times, deductibles, and reimbursement rates.

Examine reviews and ask your veterinarian and other area pet owners about their experiences with pet insurance. 

Any plan will ultimately ease the burden of your veterinary expenses and provide you with peace of mind.

However, we recommend Lemonade for the best policies and Spot for the best customizable plan as well as the most affordable.

That said, you might be wondering why you should really get insurance for your pet in Arizona. Read on to find out.

Why Should I Buy Pet Insurance For My Pet?

As a pet owner who lives in Arizona, it’s important to secure the health of your pup against unforeseen sicknesses and surgeries.

Some of such illnesses and the cost of treatment are as follows:

  • Ear infections: which can cost you $2000 to $3500
  • Spider bites: this can cost about $1000 to treat your furry friend.
  • Diabetes: which can as well cost you up to $6000 each year.

Aside from these, Arizona’s weather conditions can be really extreme at times thereby exposing your pup to illness.

Above all, it’s important that you keep your pup at close watch at all times whenever they go out to play or walk.

Keep reading as we find out the best ways to choose pet insurance in Arizona for your furry friend.

How Do I Select The Best Pet Insurance In Arizona?

1. Select One That Provides Access To a Large Pool of Vets:

When it comes to reimbursement, most top pet insurance plans will offer coverage for any licensed veterinarian or care provider.

Sometimes, some carriers require you to see a vet in a particular network that might not be close to your state.

Especially when it has to deal with alternative care providers such as behavioral therapists, chiropractors, or acupuncturists.

Ultimately, be sure the policy you’re enrolling into covers all of the care you provide your pup.

2. Choose One That Offers Plans that Cover Routine Wellness:

You need an insurance provider that offers a wellness and regular care plan if you’re seeking a pet insurance plan that covers preventive treatment.

For the fact that routine care can be quite expensive in a year, as a result adding wellness coverage to your policy can help you reduce costs.

3. Pick an Insurance Coverage That is Fair on the Breed and Age Of Your Pet:

Some pet insurance carriers have exclusions when it comes to breeds because of the genetic conditions they are inclined to.

Also, some carriers have age limits they can cover especially older animals because they are more expensive.

So, if you have a pup with a genetic condition, try and look for carriers that don’t exclude the condition of your pup as well as those without age limits.

4. Select One That Provides 24/7 Vet Helplines:

If for instance your cat or dog mistakenly ate a poisonous plant on a Sunday afternoon, your vet might not be able to help you through the process.

This is where your vet helpline comes in and not all pet insurance companies offer a 24/7 vet helpline to answer questions.

Embrace and Spot pet insurance companies offer a 24/7 vet helpline.

So, selecting an insurance company that offers such will put your mind at ease.

5. Confirm Who Covers The Vet Exam Fees, You or Them?

Each time you visit your veterinarian, there’s always a fee you must pay to your vet to examine your pup.

Unfortunately, there are some pet insurance plans that do not cover vet exam fees.

This means you’re the one to cover this bill on your own and sometimes this might cost $100 or more.

6. Ensure the Insurance Has Short Waiting Periods:

When you enroll for a pet insurance policy, there is a certain amount of time you have to wait before it will start to reimburse you for vet bills.

Although, every insurance company’s waiting periods vary across the industry, the shorter the better.

For instance, a company like an Embrace has a 2-day waiting period for accidents while ASPCA has a 15 days accident waiting period.

7. Look For A Multipet Discount:

There are some insurance companies that offer multi-pet discounts. For instance, Spot gives customers who insure multiple pets a 10% discount.

In addition, insurance companies also offer extra discounts like military or a claim-free discount.

Continue reading to find out if there are pet laws for pet owners in Arizona.

Are There Pet Laws In Arizona?

Yes, Arizona has several state laws in place to help protect your pet as well as the community.

For instance, the state law mandates all pet owners to get their pets that are 3 months and older a license with their home county.

And to also make sure that the pet gets vaccinated against rabies before a license can be issued.

Now once this happens your pup must wear a tag that includes the expiration date and the number of its license on its collar at all times.

Furthermore, your dog must be kept on a leash not more than six feet long in public places.

In addition, if your dog is an aggressive breed or a female in heat, thus it must be kept on a leash at all times.

Arizona just like Texas, and New York upholds very good samaritan laws for the benefit of your pet.

Ultimately, all these laws are put in place in order to help the citizens of Arizona feel safe when they are out.

Summary of the Best Pet Insurance Companies In Arizona 

  • Lemonade: Best overall most affordable 
  • Embrace: Best for determining deductibles 
  • Spot: Most customizable Plan
  • ASPCA: Best for new pet owners
  • Healthy Paws: Best for pets with chronic conditions.


Knowing that your pet will always have access to the medical care it requires and that you will always be able to pay for it allows you to have rest of mind. 

There won’t be any more difficult choices to make about whether to use your emergency fund or pay for your pet’s critical surgery.

You can find a plan to suit your needs regardless of your financial situation. In our opinion, getting pet insurance is a good idea because of the advantages it offers. 

That said, whichever pet provider you choose from our list, you will be in excellent hands.

Frequently Asked Questions 

How Much Does Pet Insurance Cost In Arizona? 

Depending on your zip code and the specifics of your pet, such as its age and breed, the price of pet insurance for dogs and cats in Arizona varies. 

The majority of pet insurance policies for dogs cost between $20 and $70 per month.

While the majority of cat insurance policies cost between $15 and $50 per month, according to the scores of quotations we collected on different animals between the ages of 1 and 9.

Do pet insurance companies In Arizona only Cover Dogs and Cats?

Most pet insurance companies only have coverage for cats and dogs but this is not the case for all companies.

Companies like ASPCA have coverage for horses while Nationwide has a policy for birds and exotic animals.

Is Pet Insurance Worth The Money In Arizona?

Pet insurance can help with the costs and ensure that your pet receives prompt treatment because vet fees can be high when your animal becomes ill or hurt unexpectedly. 

In addition, you may set up your premium so you only pay for what your pet needs because many providers offer plan customization.

Will Pet Insurance In Arizona Cover Medication?

Medication is typically covered by pet insurance as long as the veterinarian prescribed it for a problem that was actually present at the time.

Do Pet Insurance companies Cover Spaying and neutering?

Most pet insurance companies in New Jersey do not cover spaying and neutering.

Nevertheless, Embrace offers a wellness package that you can add to your policy that covers it.

Do Most Vet In Arizona Accept Pet Insurance?

Pet insurance companies don’t need to have a direct relationship with vets like your health insurance company does.

Since you submit your own claims rather than having the veterinarian handle them for you

This implies that your pet insurance company can work with any licensed veterinarian in the country.

Do pet insurance companies In Arizona only Cover Dogs and Cats?

Most pet insurance companies only have coverage for cats and dogs but this is not the case for all companies.

Companies like ASPCA have coverage for horses while Nationwide has a policy for birds and exotic animals.

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