Best Pet Insurance Companies & Plans in Arizona (2022 Review)

by

Caring for our pets is our main responsibility as pet owners. We feed them, bathe them, and give them a warm place to sleep at night. However, vet bills can be devastating to family finances, especially from an unplanned accident or illness. Many pet families would love to provide healthcare to their ailing pets but have no feasible way to pay for these services. That’s where pet insurance comes into play. 

Working in many similar ways to human healthcare plans, pet insurance will reimburse you a certain amount for many covered tests or treatments, making healthcare for your pet much more affordable. 

We’ve researched the best companies that offer pet insurance in Arizona to help you breathe a little easier. Keep reading for an in-depth breakdown of these six top-performing insurance companies.

 

Best Overall

spot pet insurance logo

OUR RATING: 4.9

Most Affordable

Lemonade Pet Insurance Logo

OUR RATING: 4.8

Best for Chronic Conditions

Healthy Paws Pet Insurance

OUR RATING: 4.6

The Best Pet Insurance Companies & Plans in Arizona

Provider

Visit Site

Waiting Period

Money-back Guarantee

Maximum Enroll Age

BBB Rating

Spot

Site Link

14 days*

Yes

No age limit

A

Lemonade

Site Link

14 days for illnesses*, 48 hours for accidents 

No

14 years old

F

Embrace

Site Link

14 days for illnesses*, 48 hours for accidents

Yes

14 years old

A+

Healthy Paws

Site Link

15 days*

Yes

14 years old

A-

ASPCA

Site Link

15 days* 

Yes

No age limit

N/A

Prudent Pet

Site Link

5 days for accidents, 14 days for illnesses* 

Yes

No age limit

A+

*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above. 

Pet Insurance Companies in Arizona Reviews

We know when purchasing pet insurance that things can get overwhelming quickly between all the different companies and plans that are offered. Not to mention, the jargon used can be hard to understand, leaving you not knowing what all is covered, and more importantly, what’s not. Read on to see how the different companies stacked up against each other in terms of reimbursement rate, amount of deductible, coverage options, annual caps, wellness benefits, and more. 

Spot

Topping our list is this Florida-based pet insurance provider. With offerings like no maximum age on pet coverage and covering pets as young as eight weeks old, you’ll have no trouble finding a plan to suit your needs. Like most other pet insurers, Spot gives you 30 days to ensure you are completely satisfied with your coverage. 

Coverage is available for accidents-only, or you can bundle accident and illness coverage together. You can expect things like surgeries, hospitalizations, prescription meds, diagnostic imaging, cancer treatments, alternative therapy, and medical supplies to be covered at your predetermined rate of coverage which will range somewhere from 70-90%. If wellness benefits are needed, you have your choice between two preventative care riders to round out your coverage. 

Spot only covers cats and dogs at this time, with the cost of coverage for dogs averaging about $40/month and cats at $22/month. This average cost is pricier than some of its competitors, but you also get a lot of coverage for the money. So, what’s not covered? This insurer does not cover pre-existing conditions, illnesses, or injuries caused by neglect, dental services, cosmetic care, and prescription food. 

Pros:

  • No maximum age limit for coverage
  • High levels of reimbursement
  • Multi-pet discount available

Cons:

  • Cosmetic procedures and breeding costs not covered
  • Accident waiting period is longer than most providers

Lemonade

This pet insurance company is the best option for people looking to bundle their pet insurance with one of Lemonade’s other products. In addition to pet insurance, it also provides homeowners’, rental, life, and car insurance. By bundling two or more services, you can receive a 10% discount on your premium. In fact, Lemonade also offers two other ways to receive a discounted rate. You can score 5% off for insuring multiple pets and an additional discount when you pay your premium in a lump sum once a year. Those are some pretty significant savings.

Lemonade also offers customizable coverage for your pet based on your pet’s age, breed, and species. This ensures that you only pay for what you need. Its basic policy covers treatments and medications related to covered accidents and illnesses. Wellness benefits aren’t included but can be added for an additional fee. On average, monthly prices cost around $37 for dogs and $15 for cats. If your budget is a major factor, the lowest plan starts at only $10 a month. 

Deductibles range from $100-$500 annually, and reimbursement rates range from 70-90%. Like all insurance companies, Lemonade has certain things it will not cover, including pre-existing conditions, bilateral illnesses, or things that could have been prevented. Also, Lemonade only covers cats and dogs. All in all, Lemonade offers the best overall coverage earning it a 4.9/5 rating.

Pros:

  • Online tools available for ease of submitting claims
  • Great coverage for kittens and puppies
  • Only has a two-day waiting period for accident coverage

Cons:

  • Not available in all states
  • Doesn’t cover any type of pre-existing conditions

Embrace

Pet parents will love the extensive coverage Embrace offers as well as its charitable nature. Two dollars of every new policy that is purchased gets donated, which we think is pretty generous. Embrace has been around since 2003 and is best known for its Healthy Pet Deductible, which allows you to receive a $50 credit towards your deductible for any year you don’t submit an accident or illness claim. 

Embrace only covers dogs and cats at this time. The average monthly cost for dogs is $35 and $18 for cats. You can find coverage for accidents, illnesses, diagnostic imaging, surgeries, hospitalizations, lab tests, and allergy testing. It doesn’t cover pre-existing conditions, pregnancy costs, cosmetic procedures, fight-induced injuries, and DNA testing. However, Embrace will cover pre-existing conditions that have been cured and symptom-free for 12 months. One thing to keep in mind when signing up for Embrace is that if you ever change your plan, you will have to go through the certification process all over again. That means anything you have filed a claim for through Embrace is now considered a pre-existing condition and will not be covered. 

Embrace does require a vet visit before coverage. This exam has to take place in the 12 months prior to enrolling. If your pet hasn’t been to the vet in this timeframe, you have to see a vet during the first 14 days of your coverage to get established. 

Pros:

  • Some pre-existing conditions are covered with some stipulations
  • Behavioral therapy is included in coverage
  • Offers a good rate of reimbursement

Cons:

  • Only covers pets under 14 years old
  • If the type of coverage is changed, you have to recertify, resulting in new pre-existing conditions added to your pet’s file

Healthy Paws

Healthy Paws is number four on our list. We think it’s the best provider for pets with chronic conditions as there are unlimited lifetime benefits. This means Healthy Paws will never stop reimbursing your costs even if you’ve used your benefits frequently. We have a soft spot in our hearts for this company as well as it donates an impressive 1.6 million dollars annually to needy pets, including rescue centers and shelters.

While it allows you 30 days to change your mind on your coverage, there is a 12-month waiting period for hip dysplasia which is a pretty long wait. Healthy Paws is unique in that it does not offer any type of wellness package and only has one basic healthcare plan available that covers costs associated with accidents and illnesses, including cancer care, diagnostic treatments, genetic conditions, and alternative care. However, things like pre-existing conditions, dental care, wellness care, examination fees, behavioral treatments, diet pet food, and boarding fees will not be covered. 

It offers customization on your rates and coverage based on certain specifics of your pet, such as your pet’s age and breed. If your dog or cat is under five, this can be great news as you will have a high reimbursement rate and a low deductible. The older your pet gets, the higher your deductible will become and the lower your reimbursement percentage becomes. 

Average prices range from under $40/month for dogs and $12/month for cats. 

Pros:

  • Easy online portal to submit claims
  • No cap on lifetime benefits
  • Customizable rates may save you money

Cons:

  • Only offers one plan with no add-on coverage available
  • Older pets are more expensive to insure

ASPCA

ASPCA is next up on our list and stands out as a strong contender for many reasons. Not only does ASPCA have a short 14-day waiting period for all accidents, illnesses, and knee injuries, but it also lets you have 30 days to decide if the policy is right for you. 

ASPCA offers three levels of coverage: one that covers accidents only, one covering both illnesses and injuries, and one that covers advanced care. Microchipping is covered under the illness and advanced care plans. Average monthly costs run a little higher than other pet insurers, with dogs costing around $49/month and cats costing around $29/month. However, it offers low deductibles ranging from $100-$500 and a 70-90% reimbursement rate. Annual payouts are capped at only $10,000, though.

Not covered under ASPCA’s plans are cosmetic dentistry, dental cleanings, pre-existing conditions, breeding costs, and experimental treatments. It also doesn’t cover any animals other than cats and dogs. After reviewing all the data, we awarded ASPCA a rating of 4.6/5 due to the customizable plans it offers. 

Pros:

  • 30-day money-back guarantee
  • No exam required for enrollment
  • Small waiting period for knee injuries

Cons:

  • Does not offer direct deposits for claim disbursements
  • Limited online options for filing claims

Prudent Pet

While Prudent Pet is pretty new to the pet insurance world,  it is underwritten by the Markel Insurance Company. This means you can trust that Prudent Pet knows a thing or two about how insurance should be handled. If that doesn’t inspire your trust, then maybe its A+ rating with the Better Business Bureau will. 

We like the 24/7 access to chat online with vets and its 30-day money-back guarantee. Average coverage runs about $39/month for dogs and $23/month for cats. Prudent Pet offers three levels of coverage ranging from accident-only coverage to accident and illness coverage, and its ultimate coverage. The ultimate plan offers unlimited annual caps and covers things many insurers don’t cover, like mortality benefits and vacation cancellation. Its wellness coverage is set up the same way by offering three different tiers of benefits. The least expensive option is pretty limited on what it covers, but you can expect coverage (and price) to increase as you move to the upper tiers. 

There is not a lot Prudent Pet doesn’t cover, but pre-existing conditions, things like toenail clipping or claw removal, and grooming fees are not included. Overall, Prudent Pet is a solid choice for coverage. 

Pros:

  • Many options for coverage
  • Discounts available for insuring multiple pets
  • Easy to navigate online portal

Cons: 

  • Doesn’t cover much in the way of alternative therapies
  • Costly premiums

How Does Pet Insurance Work in Arizona?

So you’ve purchased pet insurance, and your pet is sick. It’s time to go to the vet, but how does pet insurance work exactly? For starters, you are free to choose any licensed vet you want. You don’t have to worry about certain vets being in network with pet insurance as you are reimbursed directly, not the vet. Once your pet has been seen, hang on to the receipt. You will need this to submit your claim.

Some companies only need an uploaded photo of your receipt, while others require you to print off and fill out a claim form. After submitting your claim, your insurance company will review everything to make sure your claim is covered under your plan and determine how much money you will receive back. You may receive a check in the mail or have the money placed directly in your bank account.

How to Choose the Best Pet Insurance in Arizona for You

Several factors need to be considered when deciding which insurance is best for you. There are many great options on the list we’ve provided, but only you know which plan is best for your pet. Let’s look at the most important parts of deciding what works best for you.

Budget

First and foremost, it doesn’t matter how great the coverage is if you can’t afford it. We suggest sitting down and deciding how much money you feel comfortable putting towards pet insurance each month, then finding the best coverage you can for that price. 

Special Considerations for Your Pet

When finding coverage for your pet, you need to consider your pet’s age, gender, and breed. Older pets will have more medical issues and, therefore, will cost more money than younger pets. Certain breeds are prone to genetic conditions like hip dysplasia, so you want to make sure whatever the condition is will be covered. 

How Often Do You Visit the Vet?

Does it seem like you are constantly running to the vet with your pet, or are you lucky enough to only go once a year for vaccinations? Depending on how frequently you visit your local vet’s office may determine what extent of coverage you want.

Ease of Submitting Claims

Is a mobile app an important feature for you, or are you more of a pen and paper type of person? Not all claims submissions are created equal so make sure whatever company you go with has a process you are comfortable with. 

Turnaround Time

Not only is how to submit claims important, but also how long the claims take to be reviewed and the money then delivered to your hands. If budget is a big consideration, you may need to look at how quickly you will be reimbursed for your out-of-pocket costs.

How Much is Pet Insurance in Arizona?

Sometimes it’s hard to wade through all the fine print to see how much you will be paying as well as what companies offer the most bang for your buck. We’ve got a side-by-side comparison for you to look at to compare average prices across the board. Keep in mind that several factors will play a role in how much you end up paying other than your monthly premium. Things like your yearly deductible, the percent you will be compensated, and the yearly benefit allowance affect how much you will spend annually. Your monthly premium itself will be determined by which coverage plan you’ve selected, any add-on benefits, and the age of your pet. 

Provider

Sample Monthly Cost For Dogs

Sample Monthly Cost For Cats

Sample Monthly Wellness Cost 

Spot

$40

$22

$9.95 – gold

$24.95- platinum

Lemonade

$37

$15

$10 for cats

$15 for dogs

Embrace

$35

$18

$35

Healthy Paws

$39

$12

Not offered

ASPCA

$49

$29

$9.95 – basic

$24.95 – prime

Prudent Pet

$39

$23

$7.95-19.95 for cats

$11.95-29.95 for dogs

Where you live in Arizona also matters. We put together sample quotes from the pet insurance company PetsBest so you can see what the different rates are by city. We used a 3-year-old male, mixed breed bog, 20-55 lbs. for our sample quote.

City Monthly Cost*
Phoenix $35.54
Mesa $45.84
Tucson $31.81
Flagstaff $31.81
Yuma $36.70

Surprisingly, suburb Mesa is more expensive than Phoenix, one of the largest cities in the United States. Yuma is also more costly than Phoenix, and Tucson and Flagstaff were the same for their middle-of-the-road plan. Either way, set monthly costs for pet insurance is still better than a surprise $5,000 emergency bill in our experience.

Final Thoughts

Pet insurance is great for your peace of mind. You can rest easy knowing your pet will always have access to the healthcare it needs, and you will always be able to pay for it. No more hard decisions will have to be made on whether you will keep your emergency fund intact or get your pet the surgery it desperately needs.

No matter your financial situation, you can find a plan to fit your needs. Purchasing pet insurance is a win-win in our book for the benefits it provides. And, you will be in great hands no matter which provider from our list you go with. 

Information for Pet Owners in Arizona

Several things probably spring to mind when you picture the Grand Canyon State. Arizona is a breath of fresh air for both you and your pets with its lush forests, majestic mountain ranges, and awe-inspiring canyons. 

Below, we’ll touch on what pet laws Arizona has in place that you need to know and some fun pet-friendly activities for the whole family. Arizona also has some great pet resources available if you ever need a helping hand!

Arizona Pet Laws

Any dog three months or older has to be licensed if it lives in the state of Arizona for 30 consecutive days a year. Once licensed, your dog must wear a tag with the expiration date and number of its license on its collar at all times. Before a license is given, though, you must provide documentation of your pet’s rabies vaccination. 

You must have your dog on a leash in public places. In addition, your pet must be kept on a leash at all times if it’s a vicious breed or a female in heat. These laws are in place to help the citizens of Arizona feel safe when they are out and about. 

Fun Things To Do With your Pet in Arizona

Having your pet by your side makes everything more fun. Living in Arizona gives you many unique opportunities to enjoy life with your pet. Dine at one of its many pet-friendly restaurants or enjoy a day of camping and relaxing by a campfire at one of its state parks. 

Sedona Red Rock Adventures offers only dog-friendly tours that range from touring ancient Indian ruins, strolling through local wineries, or exploring the Grand Canyon. Other pet-friendly attractions include Goldfield Ghost Town, Pima Air and Space Museum, and Peddler’s Pass Flea Market. Really, though, this is just the tip of the iceberg. Arizona is especially pet-friendly, and you will have endless options available to you.

Arizona Pet Resources

  • Arizona Pet Project: This small company works hard to provide services and resources to vulnerable community members ensuring they never have to give up their pets when times get hard.
  • Humane Society of Southern Arizona: Whether it’s by providing assistance through boarding, spaying or neutering, or providing food for your pet, the Humane Society of Southern Arizona can help you get the care and services you need.
  • Arizona Small Dog Rescue: This company rescues dogs in need and keeps them until their forever home can be found. It also provides assistance to pet owners who have lost their pets.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.