The Best Pet Insurance Companies in Arizona (2024)

Because of its affordable premiums and wide selection of coverage options, Lemonade Pet Insurance is the preferred option for Arizona pet owners. Here are our top-rated pet insurance rankings for Arizona pet owners in 2024 after researching, evaluating, and comparing providers:

• Lemonade: Our top pick
• Spot: Most customizable
• Embrace: Our pick for savings
• ASPCA Pet Health Insurance: Most experienced
• Fetch: Our pick for special perks
• Healthy Paws: Our pick for unlimited coverage

We used an extensive data collection process to rank insurance providers in Arizona. Our team assigned each provider a numeric and standardized score based on pricing, features, coverage, customer service and years of industry experience. We also surveyed pet owners about their needs and preferences — companies that matched those preferences scored higher in our rankings.

To collect cost data, we obtained quotes from each company for hypothetical Arizona pets, including a 5-year-old medium, mixed-breed male dog, a 2-year-old female golden retriever, a 5-year-old mixed-breed male cat and a 2-year-old female Siamese cat. We combined pricing data for each animal to create the averages listed in our review.

To learn more about how we arrived at our rankings, check out our rating methodology and editorial guidelines.

The coverage needs of individual pets will vary, which means there is no single insurance plan that works best for every pet and situation. Once you decide your budget and which plan features are most important to you, use the following chart to compare top plans in Arizona.

According to quotes we collected across 11 of the top insurance providers in Arizona for our four sample pets, including a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat, the average cost of a pet insurance policy is $80 for dogs and $37 for cats.

The actual costs you will pay for a plan depend on your pet’s breed and age and your ZIP code. Older pets and purebreds, especially those known to have more health problems, cost more to insure, and veterinary care costs more in cities with a higher overall cost of living.

Here’s an at-a-glance look at average monthly pet insurance costs from the top providers in Arizona:

The cheapest pet insurance providers in Arizona are ManyPets, Lemonade, Figo and ASPCA Pet Health Insurance, with monthly premiums ranging from $24 for dogs and $17 for dogs. Each company offers unique pros and cons, and we recommend that pet owners consider plan features and coverage in addition to cost. Also note that ManyPets, while inexpensive, is newer to the market than other providers on our list.

To choose the best pet insurance for your pet, consider the features most important to you, such as fast reimbursements, unlimited coverage, low premiums or low out-of-pocket costs. Next, compare plans and get quotes from your top three choices to see how your options stack up.

Factors to consider when choosing a plan include the following:

Get an Accident and Illness Plan and Consider a Wellness Add-on

Typical pet insurance plans include accident-only, accident and illness, and wellness add-ons. An accident and illness plan combined with a wellness add-on provides the most comprehensive coverage for pets, covering their head to tail.

Watch for Coverage Exclusions

Most accident and illness plans cover diagnostic tests, medications, hospitalization and surgery. Additional coverages vary from plan to plan and may or may not include dental illness care, behavioral treatments, alternative therapies, orthopedic surgeries, examination fees or end-of-life costs.

Consider The Effects Of The Arizona Heat

With temperatures reaching up to 110 degrees in Phoenix, Arizona's extreme summer heat puts pets at high risk for heat stroke, dehydration, and other heat-related medical emergencies. These conditions often result in urgent veterinary treatment or hospitalization, racking up expensive bills for Arizona pet owners.

To avoid paying thousands out-of-pocket, Arizona pet owners should enroll in pet insurance plans with higher annual coverage limits of $10,000 or more. This level of protection means owners will not be financially responsible should their pet require life-saving care for a heat injury.

Read Through Your Contract Thoroughly

Before signing on the dotted line, always read the proposed policy carefully. Companies may not overtly advertise exclusions, waiting periods and specifics online, but you will find this information in your policy’s fine print.

Choose At Least A $10,000 Annual Limit

Most policies allow you to choose a deductible, coverage limit and reimbursement rate. The more options available, the more likely you can adjust your monthly cost to find a rate that works for you. However, make sure your coverage selections do not take away from the usability of the policy.

You want to get at least $10,000 in annual coverage in the event an emergency does happen, you are fully covered financially. Emergency pet surgeries can cost several thousands of dollars, and you don't want to be caught having to pay out-of-pocket. Additionally, an 80% reimbursement rate and $250 deductible ensures your policy cost stays on the lower end of the spectrum but still offers good coverage.

Read Online Reviews

You can check reviews on trusted sites, such as the Better Business Bureau (BBB) or Trustpilot, to learn more about having a plan with each company. If you notice people complaining about the same issues, consider whether those are deal-breakers for you.

Due to changes in state regulations, the availability of certain plans and features differs by state. Always get a quote to ensure the plan you are considering is available for Arizona pets.

Like other states, Arizona has pet laws designed to protect pets, pet owners, the general public and wildlife. Basic statewide laws include required rabies vaccination and licensing fees, leash laws, and a ban on tying pets up and leaving them outdoors, where they could face extreme weather conditions or other dangers. A notable Arizona pet law prohibits insurance companies from using a dog’s breed to determine bite risk and prevents breed-specific state legislation.

Specific Arizona cities set specific local ordinances. Some examples include:

Phoenix Pet Laws

• Police may break into a vehicle, seize a confined animal and house it in a shelter if they deem the pet to be in danger.
• Dogs and cats cannot be sold in pet stores, but stores can house shelter pets available for adoption.
• Poultry, rodents and pigeons cannot be kept within city limits.

Tucson Pet Laws

• Giving anabolic steroids to greyhounds to enhance performance or inhibit a heat cycle is prohibited.
• If a person strikes an animal with their vehicle, they must stop to render reasonable aid. Violation of this law is a misdemeanor.
• It is unlawful to harbor a stray or lost animal. If you find an animal, you should contact or turn it into animal control.

Flagstaff Pet Laws

• Stray, impounded dogs not claimed within 72 hours can be euthanized by animal control.
• All dogs must wear collars and licensing ID tags whenever off their owner’s property.
• Violations of the animal code are punishable by fines or up to four months in jail.

Veterinary care costs can add up quickly, especially if you are not financially prepared to handle unexpected expenses. Arizona pets can get injured due to extreme weather, cacti, poisonous animals, predators or infections. Even indoor pets can fall victim to an illness, disease or injury.

Pet insurance provides a financial safety net to help cover emergency veterinary care for your furry friend. We think pet insurance is worth the cost in Arizona because it can save you money in the long run, especially if your pet experiences an emergency.

Our research indicates the best insurance company in Arizona is Lemonade, but consider the pros and cons of each provider and compare multiple quotes before making your final decision.

• Average Pet Insurance Cost
• Banfield Service Cost Estimator
• Phoenix Municipal Code
• Tucson Animal Code
• Flagstaff Animal Code
• Resources for Arizona Pet Owners