What’s the Best Pet Insurance in Arkansas?
After extensive research, our top picks for pet insurance companies in Arkansas are:
The Best Pet Insurance Companies in Arkansas Reviewed
Based on our comprehensive research, we rated Lemonade as the top pick for pet insurance in Arkansas.
What Other Pet Insurance Providers Operate in Arkansas?
Compare the Top Pet Insurance Providers in Arkansas
When comparing top pet insurance providers in Arkansas, consider premium costs, customization options, policy benefits and whether your pet is at risk of breed-related conditions. We recommend requesting multiple quotes and shopping around before deciding on a pet insurance provider.
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$15-$30 | B- | 2 days | Compare Plans | ||
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 48 hours | Compare Plans | ||
$45-$90 | A+ | up to 15 days | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans | ||
$25-$54 | B | 1 days | Compare Plans | ||
$53-$123 | A+ | 48 hours | Compare Plans |
Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
---|---|---|---|---|---|
$15-$30 | B- | 2 days | Compare Plans | ||
$34-$75 | A- | 14 days | Compare Plans | ||
$39-$73 | A+ | 48 hours | Compare Plans | ||
$45-$90 | A+ | up to 15 days | Compare Plans | ||
$24-$54 | A+ | 15 days | Compare Plans | ||
$25-$54 | B | 1 days | Compare Plans | ||
$53-$123 | A+ | 48 hours | Compare Plans |
How Much Does Pet Insurance Cost in Arkansas?
The price of pet insurance depends on your pet’s breed, age and geographic location. To determine the average cost of a pet insurance plan in Arkansas, we gathered sample quotes from 11 providers for four sample 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
- A 2-year-old female Siamese cat
Our research revealed that the average cost of pet insurance in Arkansas is $50 per month for dogs and $25 for cats.
The table below shows the average monthly costs of pet insurance plans in Arkansas by species and provider.
Provider | Dog Insurance | Cat Insurance |
Lemonade | $30 | $20 |
Spot | $100 | $47 |
Embrace | $46 | $24 |
Healthy Paws | $41 | $15 |
Fetch | $62 | $41 |
Figo | $33 | $15 |
Pest Best | $47 | $22 |
Paw Protect | $47 | $25 |
ASPCA Pet Health Insurance | $52 | $23 |
ManyPets | $29 | $15 |
Trupanion | $63 | $29 |
What’s the Cheapest Pet Insurance in Arkansas?
Based on the data we collected, the cheapest pet insurance provider in Arkansas is ManyPets, a United Kingdom-based company established in 2012. While ManyPets has positive reviews on platforms such as Trustpilot, we encourage you to compare its coverage options to at least three other providers. This can help ensure you find the best policy for your budget and your pet.
How To Choose the Best Pet Insurance in Arkansas
To find the right pet insurance in Arkansas, we suggest reading customer reviews and comparing the pros and cons of each provider. It can help to take the following factors into account as you shop for coverage.
- Choose a plan: There are two main types of pet insurance plans: accident-only and accident and illness. Accident-only plans cover accidental injuries and emergencies, whereas accident and illness plans offer more extensive coverage for accidents, illnesses and diseases. Most providers also offer wellness or preventive care add-ons to help cover vaccines, routine dental cleaning, fecal parasite testing, heartworm testing and spay and neuter procedures.
- Customer satisfaction: We recommend reading customer reviews on websites such as the Better Business Bureau (BBB) and Trustpilot to see if customers seem pleased with a provider’s coverage and claims processing.
- Policy customization: Many pet insurance providers offer customizable plans, allowing you to choose the policy’s deductible, annual limit and reimbursement rate. Policy customization can help you arrive at a premium that may fit your budgetary needs.
- Read the fine print: Before signing on the dotted line, read a policy’s fine print to learn about coverage exclusions, disclaimers, extended waiting periods and information about the claims process.
Since the pet insurance industry is regulated at the state level, laws that apply in one state will not necessarily apply in another. In addition, not every insurance provider offers coverage in all states. You can verify the provider you are interested in is available in Arkansas by requesting a quote and asking if any policy nuances apply.
What Are the Pet Laws in Arkansas?
Arkansas pet laws govern pet ownership, care and welfare to ensure protection and help prevent disease spread. Arkansas laws prevent people from mistreating, abandoning or neglecting animals, and require owners to vaccinate all dogs and cats against rabies through a licensed veterinarian every one to three years.
Other notable laws mandated by individual cities include:
North Little Rock Pet Laws
- Dog owners are responsible for ensuring barking does not cause a nuisance to neighbors, according to the Animal Control Department.
- All dogs must be confined at all times on a leash with a responsible handler or kept in a fenced yard.
- The city bans bully breeds.
Fayetteville Pet Laws
- Owners are required to microchip cats and dogs, according to the city.
- Female dogs and cats in heat must be confined unless they are breeding animals.
- People can only transport pets in open truck beds if a humane cross-tether or harness secures the animal.
Fort Smith Pet Laws
- Owners must spay or neuter all dogs and cats kept as pets, according to the city.
- The Fort Smith Police Department Animal Services Unit has the right to classify a dog as aggressive, and classified, the owner has 45 business days to meet requirements to allow the dog to remain within the city limits.
- All dogs and cats must be microchipped and wear a secondary form of identification.
Is Pet Insurance Worth It in Arkansas?
Based on our research, which included comparing the average cost of pet insurance in the state to the average cost of veterinary expenses, pet owners could save $346 per year with pet insurance. Pet insurance can provide pet parents with financial security and help ensure access to quality veterinary care if their pet experiences an unexpected injury or illness. In addition, it allows pet owners to make decisions based on their pet’s needs first — without worrying as much about finances — when a veterinary emergency happens.
Our top pick for pet insurance in Arkansas is Lemonade, but you may find another provider on our list that is a better choice to meet your pet’s needs. We encourage you to shop around to find the policy that provides the coverage your pet needs without straining your wallet.
Frequently Asked Questions About Pet Insurance in Arkansas
Waiting periods for pet insurance in Arkansas depend on the insurance company. Some companies impose waiting periods for accidents as short as a day or two. For illnesses, waiting periods range from 14 to 30 days. Many insurance providers require a six- to 12-month waiting period for orthopedic conditions, but you can sometimes get it waived with a comprehensive veterinary exam.
Most pet insurance providers in Arkansas operate by reimbursement model. Under this model, you’ll pay your veterinarian at the time of service and then submit a claim to your insurance provider. Once the claim is processed and approved, the insurance provider reimburses you for the portion of the bill stipulated by your plan’s reimbursement rate. However, some providers offer vet direct pay which pays for covered services at the time of care.
Pet insurance providers in Arkansas generally do not cover pre-existing conditions. Other common coverage exclusions include routine preventive care, cosmetic procedures, breeding and pregnancy costs, behavioral issues, experimental treatments, hereditary problems and dental conditions. Some insurers will provide these services as extra coverage options for an added monthly fee.
How We Ranked the Best Pet Insurance Providers in Arkansas
Our process for rating the best pet insurance companies in Arkansas involved collecting data, rating each plan on an objective scale and analyzing our findings to determine a star rating. We considered several factors, such as plan types, customization options, coverage, age limits and waiting periods. Providers gained more points in our ratings for offering benefits such as unique coverage items and having noteworthy customer reviews. We also considered information from our 2023 Pollfish survey of 1,000 pet owners nationwide, which included Arkansas respondents.
To determine cost data, we gathered sample quotes from 11 top providers for four sample pets, including a 5-year-old medium, mixed-breed male dog, a 2-year-old large female golden retriever, a 5-year-old mixed-breed, male cat and a 2-year-old female Siamese cat. You can access our full pet insurance methodology and editorial guidelines to learn more about our data collection, rating and ranking procedures.
Additional Pet Insurance Resources
- Average Dog Insurance Cost by State
- Banfield Price Estimator
- Best Friends Pet Resource Center
- Arkansas Pet Laws
- AVMA Pet Insurance Information
- Arkansas SPCA