Best Pet Insurance In Arkansas For 2024

Our team of pet insurance experts extensively reviewed quotes from 18 pet insurance carriers to identify the provider offering the best overall coverage for various scenarios in Arkansas. Lemonade Pet Insurance emerged as the top choice.

In addition to offering the best pet insurance policies in Arkansas, Lemonade also received high marks for providing the most affordable premiums. However, it’s important to note that while Lemonade Pet Insurance ranked first in our assessment, there were other companies that excelled in their respective categories.

In the following sections, we will examine some of the highest-rated pet insurance companies in Arkansas and discuss how various factors can impact premiums.

Average Cost Of Pet Insurance In Arkansas

Average Cost In Arkansas — By Cat Breed

Average Cost In Arkansas — By Dog Breed

Average Cost In Arkansas — Accidental-Only Coverage

Average Cost In Arkansas — Comprehensive Coverage

How To Find The Best Pet Insurance Company For You

Choosing the right pet insurance is akin to selecting life or health insurance for yourself. Before comparing rates, it’s crucial to understand which features matter most in pet insurance policies.

Some companies offer coverage solely for accidents, while others provide accident and forgiveness plans. Each plan has its advantages, suitable for different scenarios. For example, accident-only coverage might be ideal for young pets less prone to age-related illnesses. Conversely, breeds predisposed to certain health conditions might benefit more from comprehensive plans.

Additionally, consider the waiting period before benefits activate. Waiting periods vary among pet insurance providers for both illnesses and accidents. Conduct thorough research to determine the most suitable policy for your pet’s needs.

Largest Pet Insurance Companies In The United States

Things That Have An Impact On The Cost Of A Pet Insurance Policy In Arkansas

Many pet owners mistakenly believe that the cost of pet insurance premiums is determined by only a couple of factors. However, in reality, several elements contribute to establishing rates for pet coverage. These factors include:

• Animal Type
• Breed
• Insurance Type
• Age
• Location

When you’re ready to purchase pet insurance after conducting research and comparing options, it’s important to understand that the type of pet you have significantly influences the monthly premiums. On average, dog owners can expect to pay 2-3 times more than cat owners.

This discrepancy is largely due to dogs spending more time outdoors, increasing their risk of accidents and illnesses compared to indoor cats.

Breed

The breed of your pet also plays a crucial role in determining the cost of pet health insurance. While there may not be significant differences in premiums among many dog breeds, certain breeds are considered higher risk. For instance, breeds like bulldogs and boxers have a predisposition to sinus problems and skin issues, resulting in higher insurance costs.

Age

The age of your pet is another factor considered by pet insurance carriers when providing quotes. Some insurers strive to keep premiums affordable regardless of your pet’s age, while others may decline coverage if your pet is deemed too old. Therefore, senior pet owners should carefully research to find the best insurance options for their older pets.

Insurance Type

When purchasing a pet insurance policy, you typically have two main options: Accident-only coverage or both accident and illness coverage. While both types offer protection for your pet, a comprehensive policy will generally come at a higher price compared to accident-only coverage. It’s essential to weigh the cost of the added coverage against the benefits it provides.

Location

Many pet insurance companies take regional pricing into account when assessing coverage applications. While there may not be significant variations in pet insurance costs between different cities, certain areas within a state might be considered high risk due to a higher frequency of claims.

Pet Insurance Discounts In Arkansas

Pet insurance, like other forms of insurance, can vary in cost depending on your location. One effective strategy for reducing premium expenses is to take advantage of discounts offered by pet insurance providers. However, it’s important to note that not all carriers offer the same discounts. Therefore, it’s wise to shop around and compare companies to identify potential discounts that can help lower your premiums. Below are some options to consider:

• Active and retired military discounts
• Employer sponsored discounts
• Multi-pet discount
• Special service animal discounts
• Employee union discounts
• Multi-policy discount
• Wholesale and special interest clubs discounts
• Senior discounts
• Online policy discounts
• Animal care employee discounts

Arkansas Pet Insurance Laws To Know

Several bills and laws have been enacted to safeguard animals and their owners. A recent Arkansas House Bill has been introduced and subsequently signed into law, prohibiting homeowners’ or renters’ insurance companies from factoring in a dog’s breed when making insurance decisions.

Prior to the enactment of this bill, insurance companies had the authority to cancel a policy, deny coverage to an applicant, or impose higher premiums based on the breed of the insured dog. With the implementation of House Bill 2323, insurance carriers are prohibited from discriminatory practices based on a dog’s breed or appearance.

In The News

• As of 1991, Arkansas has a pet “lemon law” that is officially known as the Arkansas Retail Pet Store Consumer Protection Act. The text of the law specifically says that the legislature wants to recognize dogs and cats as “companions rather than commodities.” This law provides protections to both pets and their owners.
• The pet lemon law states that pet buyers have 10 days to get the pet checked by a veterinarian. If declared unfit, the seller must either pay for the expense of treatment to correct whatever is wrong, or accept the pet back and refund the buyer’s money.