Best Pet Insurance In Arizona For 2024
Lemonade Pet Insurance stands out as a top-rated pet insurer in Arizona.
We’ve saved shoppers an average of $350 per year on their pet insurance.
After evaluating different pet insurance options, I found that Lemonade Pet Insurance offers the best overall coverage in Arizona for a variety of situations.
In the upcoming sections, we’ll examine some leading Arizona pet insurance providers and explore how different factors influence insurance costs.
Best Pet Insurance In Arizona, 2024
Compare The Best Pet Insurance Companies In Arizona
| Embrace |
|
Cat Owners |
48 hours for accidents and 14 days for illnesses |
$20.44 |
$48.25 |
Instant Quote |
| Lemonade Pet Insurance |
|
Overall Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Lemonade Pet Insurance |
|
Affordable Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| ASPCA |
|
New Pet Owners |
Immediately for preventive care and 14 days for illnesses and accidents |
$38.67 |
$83.30 |
Instant Quote |
| Lemonade Pet Insurance |
|
Owners of Young Pets |
2 days accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Pets Best |
|
Owners of Multiple Pets |
3 days for accidents and 14 days for illnesses |
$29.54 |
$41.39 |
Instant Quote |
The Best Pet Insurance Companies In Arizona
Best Overall Coverage
Key Statistics
Why We Like Them
⇅A pet insurance provider’s status as the best in a region often hinges on factors like price, service quality, and the efficiency of claims processing. In Arizona, Lemonade Pet Insurance stands out with low monthly rates of $18.41 for cats and $35.18 for dogs. Texas pet owners also praised Lemonade’s superb customer service, emphasizing their passion for pets.
Benefits & Drawbacks
⇅- Two-day grace period for accident incidents
- Preeminent claims management unit
- A broad spectrum of discounts is at your disposal.
- Some of the monthly dues are used for nonprofit purposes. ✓
- To enroll certain pet breeds, age restrictions must be considered.
- Guidelines may not be accessible in all states.
- The amount you pay for pet insurance depends on your credit and claim history. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Pet owners often shy away from pet insurance due to the misconception that it’s expensive. Lemonade Pet Insurance breaks this belief with affordable rates averaging $18.41 for cats and $35.18 for dogs. Lemonade also offers discounts like bundling, cutting costs by up to 15%, and their easy-to-use app makes managing policies a breeze.
Benefits & Drawbacks
⇅- A waiting period of two days post-accident.
- Outpaces competitors in processing claims swiftly.
- You have several discounts at your fingertips.
- Your premium contributes to non-profit organizations. ✓
- Coverage for certain pets ends after they reach a specified age.
- Coverage is limited based on your residential state.
- The cost of pet insurance varies according to the owner's credit and claims record. ✘
Best For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Welcoming a young pet into your home is thrilling, but managing the responsibilities of a new kitten or puppy can be overwhelming. Along with training, it’s essential to choose a pet insurance provider that makes coverage easy to manage. Lemonade Pet Insurance offers affordable rates, a top-rated mobile app, and excellent customer support. With average premiums of $18.14 for cats and $35.18 for dogs, Lemonade is ideal for pet owners with young companions.
Benefits & Drawbacks
⇅- Policyholders experience only a 2-day waiting period for pet injury claims.
- The processing of claims is impressively fast.
- Policyholders are provided with numerous discount options.
- A portion of the premium paid by policyholders is donated to nonprofit causes. ✓
- When certain pets reach a certain age, they become ineligible for insurance coverage.
- The coverage area does not encompass all 50 states.
- The pet owner's insurance rates are affected by their credit score and history of insurance claims. ✘
Best For New Pet Owners
Key Statistics
Why We Like Them
⇅For newcomers to pet ownership, choosing an insurance provider known for supporting pet health, like ASPCA, is important. While ASPCA’s premiums are on the higher side—$38.67 for cats and $83.30 for dogs—the additional benefits make it worth the investment. They don’t impose age limits, so senior pets are covered, and they offer coverage for behavioral issues and alternative therapies, which can be ideal for certain breeds.
Benefits & Drawbacks
⇅- Covered under the policy are alternative therapies, behavioral issues, and congenital conditions.
- A 14-day wait is needed for cruciate injuries.
- Utilize our 24/7 telehealth vet hotline for immediate assistance.
- Regular policies provide coverage for vet clinic visits for illnesses and accidents. ✓
- Only agents can arrange unlimited coverage for the whole year.
- Deductible choices are constrained. ✘
Best For Cat Owners
Key Statistics
Why We Like Them
⇅If you’re in Arizona and need insurance for your cat, Embrace Pet Insurance is an excellent choice, offering policies at an average of $20.44 per month. They donate $2 to charitable causes for every policy sold and are partnered with top insurance providers like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- You can opt for policies that are reasonably priced.
- Numerous regular policies encompass coverage for treatable pre-existing health conditions.
- Owners of pets needing orthopedic care can speed up the process with a vet's evaluation. ✓
- Accident coverage is restricted to pets aged 14 years and older.
- Standard policies do not incorporate additional protections. ✘
Best For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅Having several pets can raise your expenses, but it may lower your pet insurance costs. Many insurers, such as Pets Best, offer multi-pet discounts. Pets Best also offers budget-friendly premiums, with cat policies averaging $29.54 and dog policies $41.39. They provide benefits like a 24/7 vet helpline and coverage for pets with disabilities or special prosthetics.
Benefits & Drawbacks
⇅- Coverage is provided for pets needing wheelchairs or prosthetic devices.
- Access veterinary assistance through the 24/7 vet healthline any time.
- Accident coverage commences following a three-day waiting period.
- Options abound for accident and illness insurance coverage. ✓
- When processing claims, this company operates at a slower pace than others.
- The renewal period is the only time to update policies. ✘
Pet Insurance Discounts In Arizona
Similar to how health insurance costs can vary by location, pet insurance costs in Arizona can also differ. To save on pet insurance, look into potential discounts. Discount offerings vary among providers, but you might be able to take advantage of:
- Discounts from employers
- Discounts for multiple pets
- Discounts through unions
- Discounts from special interest or wholesale groups
- Discounts for having multiple insurance policies
- Discounts for military personnel, both active and retired
- Discounts for seniors
- Discounts for online policies
- Discounts for animal care professionals
- Discounts for service animals
Average Pet Insurance Cost In Arizona — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $15.01 |
| Sphynx | $15.92 |
| Siamese | $20.19 |
| Maine Coon | $25.33 |
Average Cost In Arizona — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Beagle | $17.03 |
| Labradoodle | $35.88 |
| Greyhound | $61.79 |
| French Bulldog | $83.31 |
Average Accidental-Only Pet Insurance Rates In Arizona
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $28 |
| Pets Best | $33 |
| TrustedPals | $34 |
| Figo | $40 |
| ASPCA | $51 |
Average Cost Of Comprehensive Pet Insurance In Arizona
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $36 |
| Pets Best | $43 |
| Lemonade | $46 |
| Trusted Pals | $50 |
| Healthy Paws | $55 |
Largest Pet Insurance Companies In The United States
| Company Name | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | .73% |
| Pumpkin Pet Insurance | .48% |
How To Buy Pet Insurance In Arizona
Getting pet insurance is easy, especially with the help of Insuranceopedia.
Prepare all crucial information ahead of time, like your pet’s type, breed, age, health history, and any documents related to their lineage.
Evaluate the coverage amount and deductible that best fit your pet’s specific needs.
Compare and analyze quotes from a minimum of three pet insurance providers.
Purchase the policy and make your veterinarian aware of the new coverage.
How To Find The Best Pet Insurance Company For You
Acquiring pet insurance is similar to securing health or life insurance. Comparing rates and understanding coverage details is important, but first, you need to grasp the essential aspects of a pet insurance policy. Most providers offer either accident-only coverage or more extensive plans that cover both accidents and illnesses.
Accident-only coverage is typically more suitable for younger pets, while comprehensive plans are better for breeds with higher health risks. The waiting period is another critical consideration, as it varies by insurer for coverage on accidents and illnesses.
Factors That Impact Cost Of Your Pet Insurance Policy In Arizona
It’s a common belief that a pet’s insurance cost is determined by just one or two factors. In reality, several factors influence the cost, including:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet
The kind of pet you have plays a significant role in determining your insurance premiums. Dog owners generally face costs 2-3 times higher than cat owners because of the increased risks associated with dogs.
Breed
The breed of your pet also affects your insurance cost. Some breeds, such as boxers and bulldogs, have higher premiums due to their susceptibility to certain health issues, while most breeds have a minimal impact on rates.
Age
Age is another crucial factor. Some insurers offer affordable rates for pets of all ages, while others may exclude older pets. Compare different providers if your pet is a senior.
Insurance Type
When purchasing insurance, you typically have the option of accident-only coverage or accident and illness coverage. Comprehensive plans offer broader protection but come with higher costs. Consider if the additional protection justifies the extra expense.
Location
Location can also affect insurance premiums. While city-to-city differences are usually minor, some states or regions may have higher premiums due to a higher number of claims from those areas.
Our Methodology
Our investigation into affordable pet insurance in Arizona involved analyzing data from multiple providers. With over 20 years of insurance industry experience, our team also offered valuable insights. It's important to remember that while the rates provided in this guide are current, premiums may fluctuate daily due to factors like your pet's age and breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do all vets take pet insurance in Arizona?
Veterinary clinics in Arizona cooperate with pet health insurance, requiring pet owners to pay upfront for services and then receive reimbursement from the insurance company.
How much is pet insurance in Arizona?
As is common throughout the U.S., Arizona cat owners usually have lower insurance premiums than dog owners. On average, cat insurance costs $27.56 per month, while dog insurance typically costs $48.81.
Do I legally have to insure my pet in Arizona?
Although pet insurance is beneficial, remember that Arizona law does not require you to have insurance for your dog or cat.
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