Best Pet Insurance In Arizona 2024

Here are the best pet insurance companies in Arizona:

• Pets Best – Great For Choices Of Deductible
• ManyPets – Best For Lowest Out-Of-Pocket Claims Costs
• Nationwide – Best For Unlimited Wellness Coverage
• Lemonade – Best Price For Kittens And Puppies
• TrustedPals – Great For Service Dogs
• Figo – Great For Short Waiting Period For Accident Coverage

Costs for Arizona pet insurance with $5,000 annual maximum coverage

Company	Monthly cost in Arizona
Lemonade	$28
Pets Best	$32
TrustedPals	$33
Figo	$40
ASPCA	$52
Spot	$52
Embrace	$56

Costs are for a plan with a $5,000 annual coverage maximum ($4,000 for TrustedPals), a $250 deductible ($200 for Embrace) and 90% reimbursement level. Source: PetInsurer.com.

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Costs for Arizona pet insurance with unlimited annual maximum coverage

Company	Monthly cost in Arizona
ManyPets	$33
Nationwide	$34
Pets Best	$37
Lemonade	$45
TrustedPals	$47
Healthy Paws	$54
Figo	$57
Prudent Pet	$70
Embrace	$72
Trupanion	$88
Spot	$105

Costs are for a plan with unlimited annual coverage ($30,000 for Embrace and $100,000 for Lemonade), a $250 deductible ($200 for Embrace) and 90% reimbursement level. Source: PetInsurer.com.

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Pet insurers usually offer two types of pet insurance plans: accident and illness plans and accident-only plans.

Accident and illness plans

Whether your Sphynx cat has a run-in with a rattlesnake or your Poodle suffers heat stroke while on a walk, accident and illness plans cover the treatment costs. Pet parents usually opt for this coverage, making it the most popular choice.

Accident and illness plans also typically cover other things like:

• Diagnostic tests
• Hospitalization
• Fractures bones
• Blood work and lab tests
• X-rays, MRIs and CT scans
• Surgeries
• Emergency care
• Prescription medication
• Toxic ingestion
• Diabetes
• Ear infections

Accident-only plans

Accident-only plans limit coverage to emergencies. Say your Border Collie gets in a fight with your neighbor’s dog or your English Mastiff sprains its hind leg, accident-only plans cover the cost of treatment. This type of plan is usually less expensive than an accident and illness plan because it covers less.

Wellness plans

In addition to the accident and illness plan offerings, some pet insurance companies let you add wellness coverage to your policy. This add-on usually covers expenses like routine checkups and preventative care like vaccinations.

Related: What Does Pet Insurance Cover?

When you apply for a pet insurance policy, the insurer will ask you questions to calculate pricing. Insurers usually factor in your pet’s age, breed, gender and location when assessing the price you pay for coverage. Other factors that influence your price include the terms of your policy, which most insurance companies let you select.

Your terms can include the following:

Deductible

When you submit a claim for vet expenses, you usually must pay your deductible before your pet insurance provider pays for any care. Deductible options can start at as little as $0 or as high as $1,000.

Selecting a higher deductible should lower your monthly cost, but you’ll be responsible for a more significant chunk of your initial pet bill. Always factor that in when making your deductible choice.

Reimbursement level

The portion of your vet bills your insurance company pays is known as the reimbursement level. While some insurers, like Figo, offer a 100% reimbursement level, others give you several reimbursement options such as 70%, 80% or 90%.

Selecting a lower percentage should lower your monthly pet insurance cost. However, you are responsible for a more significant portion of your vet bills when your pet is sick or suffers from an injury.

Coverage cap

A coverage cap is the maximum vet expenses your insurance provider will pay annually. Some companies, like Pets Best and Spot, offer unlimited coverage. Others offer caps, like $5,000.

A good way to find a fair price on pet insurance is to compare pet insurance quotes among multiple companies.

While price and coverage are important factors when finding the best pet insurance in Arizona, other factors are worth considering. Here are additional things to look for when comparing plans.

Extra perks

Many pet insurance companies offer additional perks. For instance, Figo offers a Pet Cloud that helps pet owners organize medical records and appointment schedules. Another example is Nationwide, which offers policyholders exclusive pricing on prescription medications through its partnership with Walmart. Additionally, your pet plan may give you access to a 24/7 vet helpline to answer your pet-related questions day or night.

Waiting periods

No matter where you purchase pet insurance, policies always have waiting periods, which is the amount of time you must wait until your coverage begins.

Each pet insurance company sets their own waiting periods, so check before you purchase coverage. For example, Embrace has a two-day waiting period for accidents, while Nationwide has a 14-day waiting period for accidents.

It’s also important to check for any extended waiting periods applied to specific conditions, like hip dysplasia.

Multi-pet discount

Do you have more than one pet you want to insure? Some pet insurance providers offer a discount for insuring multiple pets. In addition, pet insurers may provide other ways to save money by offering other discounts or a vanishing deductible when you don’t file a claim, such as Embrace.

Exam fees

When you take your four-legged companion to the vet, they will charge you a consultation fee to assess the injury or illness. Some insurance companies cover this cost while others don’t. Check each pet plan to make sure it’s included in your policy.

Wellness care add-on

While many pet insurance companies, like the ASPCA, offer wellness care as an add-on, some don’t provide that coverage. Adding wellness coverage to your plan can help pay for expenses and maintain your furry friends’ health each year.

Vet direct pay

When your pet visits the vet, you must pay the entire bill upfront before the pet insurance company reimburses you for vet costs. But some pet insurers, like Trupanion, pay the vet directly if your vet has their unique software installed. Vet direct pay may ease the financial burden of large vet bills.

Claim filing process

When nursing your pet back to health, you probably don’t want to deal with a lengthy claim submittal process. Many pet insurance companies have simplified the process by letting you submit all claims through an app or online. Buying insurance from a company with a straightforward claims process will likely give you peace of mind.

Arizona has several state and local pet laws in place to protect your pet and the community. For example, state law mandates that all canines age three months and older must get a license with their home county. Before a license can be issued the pet must be vaccinated against rabies.

In 2021, Matthew’s Law was signed into legislation, allowing landlords to release a pet to a deceased or incapacitated tenant’s relatives. Additionally, the landlord can deem an animal abandoned and place it in the care of a shelter or boarding facility.

Here are some other examples of local multiplicity laws in Arizona.

Phoenix pet laws

• Dogs aren’t permitted to run freely.
• All dogs must be confined on the owner’s property or restrained in public spaces by either a leash (no more than six feet long) or by the owner’s direct control.
• Local law prohibits any city resident from keeping an animal or bird that disturbs any other resident’s peace or health. Any person who violates this law is subject to a fine between $150 and $2,000.

Tucson pet laws

• Pet and animal owners must give them a healthy living environment, proper food and water, shelter, medical care and adequate ventilation.
• Law requires all dog owners to immediately remove and dispose of their waste in a sanitary manner. However, the law excludes folks that are blind, have mobile disabilities, or are law enforcement acting on an emergency.
• All dogs are prohibited from school grounds unless a proper permit has been provided for a school activity. Police and guide dogs for the hearing and physically impaired are excluded from this provision.

Chandler pet laws

• Chandler dog owners should make sure their pets don’t bark or howl consistently and disturb the peace. Dogs that bark occasionally between 6 a.m. and 10 p.m. aren’t considered a nuisance.
• Residents who live in public housing can only own one household pet (fish are excluded from this restriction).
• For folks that live in a family development or elderly designated development, all residents must pay a $250 pet deposit before bringing a pet on the premises.

We used data provided by PetInsurer.com to score each pet insurance company based on the following.

Average plan prices: Up to 40 points. We averaged pet insurance quotes for each insurer for a mixed-breed dog at two ages in Arizona.

Plan benefits: Up to 60 points. We scored plans based on the following important features: Annual coverage choices, whether the plan can pay a veterinarian directly, access to a 24/7 vet line, availability of routine wellness coverage, whether the plan pays the vet exam fee, pet dental illness coverage, end of life coverage and multi-pet discount.