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


Arkansas pet insurance is necessary so you can enjoy the best of everything Arkansas has to offer without worry. Arkansas is a dog and pet-friendly state, with tons to do for humans and their four-legged friends. From state parks to hot springs to bringing your dog glamping, pets are a part of the family in Arkansas.

According to Banfield, there are about 2,819 dogs in Arkansas and 409 cats. Dogs have a greater than a national average prevalence (in cases per 10,000) for conditions such as heartworm, intestinal parasites and fleas and ticks. For cats, they experience more intestinal parasites and flea allergies than the national average. As with any veterinary care, a solid pet insurance policy may help to cover some of these costs.

Best Overall

spot pet insurance logo


Most Affordable

Lemonade Pet Insurance Logo


Best for Chronic Conditions

Healthy Paws Pet Insurance


Dog (and Cat!) Friendly Arkansas

Dogs are welcome at some employers in Arkansas and getting landlords to agree to have dogs in the building is one obstacle employers face. Mitchell Communications and Collective Bias are two employers that have a younger, more tech-savvy employment base and they welcome anywhere from two to 20 dogs in the office on a given day.

If you are one of the many pet owners looking to insure your pet, then consider some of the Arkansas pet insurance options.

Best Arkansas Pet Insurance Options

You can get any of the pet insurance options in Arkansas:

SPOT Pet Insurance: Dogs, Cats
Pets Best Pet Insurance: Dogs, Cats
Figo Pet Insurance: Dogs, Cats
Nationwide Pet Insurance – has exotic pet insurance coverage
Embrace Pet Insurance: Dogs, Cats

Veterinary Costs in Arkansas

Arkansas is on the lower end nationally of veterinary bill cost annually. Pet parents in Arkansas spend about $750-$1000 a year – but this doesn’t include emergency situations where every six seconds, a pet parent is handed a bill for $3,000.

According to research from the ASPCA, pet owners will spend between $2,000 and $4,000 on an emergency situation sometime in the life of their pet. If you carry pet insurance, you can get reimbursed up to 100% of those costs, depending on your plan and carrier.

Where you live in Arkansas doesn’t make a huge difference in pet insurance costs, which is a bit different than in other states. We put together sample quotes from Embrace Pet Insurance so you can see rates by city.

City Monthly Cost
Rogers $35.38
Bentonville $29.67
Little Rock $29.67
Fayetteville $29.67
Lewisville $26.71

We looked at the same type of dog, a three-year-old mixed breed, 21-50 lbs. for our sample quote. A larger dog, a puppy, or a senior dog would make a difference in the quote. Cat insurance tends to run a bit cheaper than dog insurance per month, and many companies have a multiple-pet discount, which makes things more affordable.

Sometimes, the cost of pet insurance or of pet care in general is too expensive for pet owners. Whether it is for a long-term situation or a short-term economic downturn, Arkansas has resources to help.

Low-income Pet Health Help in Arkansas

Arkansans for Animals – Non-profit dedicated to helping animals through spay/neuter and affordable veterinary care.

Northwest Arkansas Community Cat Project – Non-profit that tries to make cat care affordable through spay/neuter, vaccination and other services.

Spay Arkansas – $38 for a spay/neuter with $5 rabies shots.

Out of the Woods Animal Rescue – Fostering, adopting and responsible spay and neuter at a low cost.

If you live in Arkansas, you want your pet to have the highest level of care. Finding the right pet insurance policy is a great way to make sure you are covered “just in case.”