Best Arizona Pet Insurance for 2022

Did you know many of our readers end up choosing Lemonade Pet Insurance for their pet insurance coverage?

Your pet is an adored member of your family and like any other family member is susceptible to illness or injury. Without proper planning, this might cause both you and your pet uncertainty, hassle and financial drain.

This is exactly where pet insurance comes in handy. It will save both you and your family from bearing any hassle or financial costs of your pet’s treatment and extend his life in cases of sickness.

Quick Look: Best Arizona Pet Insurance

The Best Arizona Pet Insurance

The minimum and maximum coverage of numerous insurance plans available differ from pet to pet and plan to plan. Your selection depends on a number of factors such as your pet’s history of illness, your financial situation and the type of coverage that you want. 

Benzinga has compiled a list of the best pet insurance providers in Arizona with impeccable customer service and a seamless reimbursement process. Get quotes from your selected choices of best pet insurance Arizona providers and compare them side by side to see who offers the best premium price for your pet.

1. Lemonade Pet Insurance

Lemonade Pet Insurance is the top-rated pet insurance provider — and for good reason. This insurtech leverages AI to help brings its customer’s best-in-class insurance products, including pet insurance.

Pet parents love that they can customize their plans based on their pet’s needs, allowing them to only pay for the coverage that they need. And existing Lemonade customers may be eligible for a discount, like if you have a homeowners policy with them.

Lemonade’s only real drawback is that they only insure cats and dogs, but their high annual reimbursement caps, easy-to-use model and customizable plans far outweigh this.

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Disclosure: Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,

Best For

Top-rated pet insurance

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Lemonade offers easy-to-understand coverage options for dogs and cats. It’s even better for those who already have Lemonade renters or homeowners insurance as you get a discount for bundling your policies. 

Insurance companies keep extra dollars for profit, but Lemonade is unique in that after it pays your claims and its expenses, it gives any remaining premiums to a charity that you choose when you sign up for a policy. You can select charities like the American Red Cross, the Trevor Project, and many pet-centric causes. The downside to Lemonade pet insurance is that you can only insure dogs and cats (no exotic animals). 

Best For

  • Those who want to bundle with their home policy
  • Pet owners who prefer to buy and manage their policies online
  • Pet owners who want to customize their pet’s policy

  • Super customizable so you get everything your pet needs without paying for stuff you won’t use
  • Discount for having Lemonade home or renters insurance
  • Very high cap on annual limits

  • Only offers coverage for dogs and cats
  • Not available in all states

2. Spot Pet Insurance

Spot Pet Insurance is the top insurance provider in the U.S according to Benzinga’s research, renowned in Arizona along with 50 other states. It is recommended by the acclaimed dog whisperer and dog training expert, Cesar Milan. Some of its insurance highlights are:

  • Up to 90% of remuneration on legible vet bills
  • No age limit to avail coverage
  • Premium amounts can start from as low as $1 per day
  • Customizable coverage plans with additional Spot On Coverage
  • Coverage options consist of the following:
    • Behavioral issues
    • Accidents
    • Dental diseases
    • Preexisting congenital and hereditary conditions
    • Preventive services
  • Seamless service claims process

Spot Pet Insurance

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Best For

Prescription food and supplements

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Spot Pet Insurance’s innovative approach provides user-friendly access to customizable coverage. Your dog or cat is covered without completing a medical exam. The policies cover veterinary bills, either partially or in full, when your pet goes in for a check-up or routine vaccination or needs care for injury, chronic illness or prescription coverage. Spot also covers implanting a microchip in your pet. You’ll also get 10% off of each additional pet you insure.

Best For

  • Cats and dogs of all breeds, sizes and ages
  • Insuring multiple pets
  • Customizing an insurance plan
  • Prescription food and supplements

  • Multiple pet discount
  • Covers prescription food and supplements
  • No upper age limit for coverage enrollment
  • 30-day money-back guarantee*
  • More reimbursement options: 70%, 80% and 90%

  • Doesn’t cover exotic pets

3. Pumpkin Pet Insurance

Pumpkin Pet Insurance offers traditional pet insurance as well as optional preventive care coverage at an additional cost. While Pumpkin does offer a wide range of coverage options, you’ll notice some limits to be aware of. All Pumpkin Pet Insurance plans have an annual coverage limit and all of its policies come with a high reimbursement rate.

You’ll enjoy benefits including:

  • No upper age limit
  • Multiple pet discounts
  • An extensive list of covered procedures

Pumpkin allows customers to submit a claim online or it can provide a claims form if requested. After you’ve submitted your claim, Pumpkin will review the claim and determine whether it can be covered. If it is, you’ll receive reimbursement for the covered costs on your claim after you have met your annual deductible. 

Pumpkin Pet Insurance

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Best For

Families with multiple pets

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Pumpkin Pet Insurance offers traditional pet insurance as well as optional preventive care coverage at an additional cost. While Pumpkin does offer a wide range of coverage options, you’ll notice some limits to be aware of. All Pumpkin Pet Insurance plans have an annual coverage limit and all of its policies come with a high reimbursement rate.

Best For

  • Families with pets who don’t expect their bills to go higher than Pumpkin’s coverage limits
  • Families with multiple pets who can benefit from their discount for each additional pet’s policy

  • No upper age limit
  • Multiple pet discount
  • An extensive list of covered procedures

  • Plans only cover cats and dogs — no other pet types

4.   Embrace

All of your pet’s unexpected accidents and illnesses are covered with Embrace’s one simple yet comprehensive pet insurance plan. Personalize your policy by selecting the annual maximum, annual deductible and reimbursement percentage that fit your budget and needs.

  • A+ rating by the BBB
  • Flexible deductible adjustment options from $100 to $1,000 annually
  • Limits cap of $15,000 on benefits
  • Offers alternative and behavioral therapy, as well as wellness benefits including training and grooming
  • Provides $650 for dental care in standard plans
  • Covers illnesses, accidents, preventive veterinary care and exam fees
  • A provision of $50 discount on deductibles each year when you do not file a claim (provided with its diminishing deductible feature)
  • Claims can be easily filed through fax, mail or electronically. Majority of the policyholders have received 90% of their claims
  • Competitive Pricing
    • Dogs in Arizona monthly average: $34
    • Cats in Arizona monthly average: $19

Embrace Pet Insurance

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Best For

Training and grooming

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Embrace pet plans start at just $15/month. Accidents, illnesses and breed-specific conditions are just a few of the included coverages offered in their nose-to-tail plan. This is a comprehensive coverage plan that reimburses up to 90% of your pet’s unexpected vet bills. Claims is easy as 1,2,3: complete a form, attach an itemized invoice and send it in.

Best For

  • Pets with chronic conditions
  • Prescription drugs
  • Breed-specific owners

  • Has a deductible feature included in the Embrace Plan at no additional cost
  • Covers dogs and cats
  • Coverage for exams
  • Rewards program
  • Great customer service

  • Comprehensive plans only for animals at the ages of 1 to 14
  • Plans don’t cover preexisting conditions of pets
  • No unlimited claims options

5.   Petplan (now Fetch)

Petplan is a comprehensive pet insurance plan provider that offers a range of coverages for dogs and cats. Though pre-existing conditions aren’t covered, Petplan includes coverages for treatments and services that many insurance companies exclude — for example, acupuncture, cancer treatments and emergency dental services. 

Petplan might be the right choice for you if you’re looking for the most inclusive policy possible and you don’t have an exotic pet.

  • Online visit coverage
  • Wide range of services covered, included dental and cancer treatment
  • Online claims service

Fetch by the dodo

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Best For

Online Vet Visits

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Fetch by The Dodo is a comprehensive pet insurance plan provider that offers a range of coverages for dogs and cats. Though pre-existing conditions aren’t covered, Fetch by The Dodo includes coverages for treatments and services that many insurance companies exclude — for example, acupuncture, cancer treatments and emergency dental services. 

Fetch by The Dodo might be the right choice for you if you’re looking for the most inclusive policy possible and you don’t have an exotic pet. 

Best For

  • Online vet visits
  • Anyone looking for the most inclusive coverage
  • Cat and dog owners

  • Wide range of coverages
  • Coverage for dental illnesses and cancer treatments
  • Online claims submission services

  • Only available for dogs and cats
  • No coverage for pre-existing conditions

Pet Insurance in Arizona: An Overview

The Grand Canyon State is a great place for a pet, with its numerous outdoor activities and terrain for your four-legged friends to indulge in.

But while romping on the rocks, what if your dog injures his paw accidentally and has to be rushed to the emergency ward? Knowing you have good pet insurance from a reputable Arizona carrier will bring you relief and peace of mind.

Average pet expenses:

  • Amount spent on bills annually: approximately $1,200 to $1,300 per year
  • The average cost of pet insurance annually: monthly premium of $42.45 for dogs and $20.99 for cats

How Does Pet Insurance Work?

Pet insurance policies include coverage for medications prescribed by your veterinarian to treat your pet so long as it was prescribed for an illness or injury. Nutrient supplements are also covered if your veterinarian prescribes them to treat an illness or nutritional deficiency.

Now the concept of pet health insurance works in a similar manner, like human health insurance policies. They both include deductibles, copays and annual premiums.

  • Annual premium refers to the amount that you pay to the insurance provider in exchange for insurance coverage of a 1-year term plan. The coverage guarantees payments for certain types of treatment, depending on the type of health insurance selected.
  • Deductibles indicate the amount you pay for the covered healthcare services before your chosen insurance plan starts to pay benefits for the eligibles expenses. The amount of the payment for the deductible is determined based on the health insurance plan type and the benefits. 
  • Copay is the fixed amount that you pay for a specific medical treatment. Let’s say that your health insurance plan allows you a fixed amount of a $30 copay to visit a primary healthcare physician. Your visit to the physician costs around $100. So, you pay $30 out of your pocket and the remaining $70 is paid by your insurance provider. 

According to a recent survey by the North American Pet Health Insurance Association, there are nearly 179 million pets in North America, accruing an estimated total of $58.5 billion in annual expenses. Veterinary visits and care are considered to be the 3rd largest investment in the category, where pet owners spend about $15.25 billion per year. 

More than 1 million pets today are covered under a pet insurance policy, amounting to an expenditure of $595 million. Lassie received the 1st pet insurance policy in 1982, and since then pet insurance has become a growing industry. Only a handful of companies own about 90% of the market share.

To better understand your options and policies, do careful research to get the best coverage for your family member. Selecting the best pet insurance coverage means considering the following:

  • Vet your vet. As long as they are licensed, your insurance provider cannot instruct you whom you can see.
  • Consider policies with a variety of tiers. Most companies offer a number of tiers to select from. Some cover only accidents, others may cover both accidents and illnesses.
  • Decide on a premium tier and payment plan. The average monthly expense of a dog can range from as low as $1 to $98 per month. Of course, that banks on a number of variables like age, breed of the dog and your area of residence. Cats cost even less. Premium amounts can be paid quarterly, monthly, annually or semi-annually.

What if my pet is not a cat or a dog? If you have iguana, bird or any other pet, you can check out Veterinarian Pet Insurance (VPI), a division of the famed insurer Nationwide. It is presumably the largest and acknowledged insurance provider of exotic pet animals.

What Does Pet Insurance Typically Cover?

Pet insurance covers medical costs when your dog or cat gets into an accident or becomes unexpectedly sick. Some policies cover routine checkups and rabies shots, while others consider these add-ons to your policy. 

There are 4 types of pet insurance coverage plans: Accident, illness, wellness and endorsements.

  • Accident-only coverage. This covers injuries and incidents such as poisoning, indigestion of foreign objects, bite wounds, broken bones, torn ligaments and other critical health needs
  • Illness coverage. Most insurance companies provide this coverage based on the pet’s age, so it’s best to get this plan while your pet is young to reduce your monthly costs and preexisting conditional exemptions. Illness coverage takes care of things like allergies, infections, arthritis, UTIs, ear infections, obesity, diarrhea and vomiting and internal parasites.
  • Wellness. This is an all-inclusive optional coverage plan that covers illness and accidents and may also cover routine checkups, tick and flea medication, vaccinations, dental care, heartworm prevention, burial and cremation, as well as dietary consultations.
  • Endorsements. Endorsement coverage is also known as riders. These include wellness or cancer add ons, as wellness plans that are normally purchased as add-ons. 

Most insurance plans do not cover preexisting conditions or preceding chronic illnesses.  

Out of the 4 pet insurance types, 98% of covered pets have either illness or accident insurance or wellness insurance as add-ons. The remaining 2% is insured with accident-only coverage.

3 Reasons to Buy Pet Insurance in Arizona

Arizona brings specific perils for any pet. Below are some of the most common illnesses and conditions for pets to expect in Arizona:

  • Spider bites can cost around $1,000 to treat.
  • Diabetes can cost around $6,000 each year.
  • Ear infections can cost around $2,000 to $3,500.

Arizona’s extreme weather conditions can also exhaust your pet and make them susceptible to illness. And the presence of animal predators — coyotes, wildcats, bears, lizards, toads, snakes, tarantulas and scorpions — presents significant danger.

It’s vital for your pet to be under your watch whenever they go out to play or for a walk. Getting regular checkups are also important to maintain healthy pets.

Find Arizona Pet Insurance Today

Purchasing a pet insurance plan is not about going for an affordable option or preventing yourself from dipping into your hard-earned savings during an emergency. Your pet may never get hurt or sick. You might want the coverage just for routine medical check-ups and wellness.

Whatever the reason, going without insurance is a risk you might want to avoid taking. Buying peace of mind for your furry family member is, well, priceless.

Frequently Asked Questions

Does pet insurance cover teeth cleaning?


Does pet insurance cover teeth cleaning?


Luke Jacobi


Pet insurance might cover teeth cleaning if your policy has a wellness place or special allowance for dental care.

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Will pet insurance cover medications?


Will pet insurance cover medications?


Luke Jacobi


Pet insurance generally covers medications so long as the prescription was recommended by the veterinarian for an active condition.

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