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Home > Insurance > 10 Best Pet Insurance Providers in Arizona in 2024 – Reviews & Comparisons

10 Best Pet Insurance Providers in Arizona in 2024 – Reviews & Comparisons

pet insurance form on the monitor

Paying emergency vet bills is not a luxury most pet owners can afford. Not only is it a good idea to protect your pet from unexpected emergencies, but having pet insurance can also help cover preventative care and veterinary checkups. The added availability of preventative treatments and optional coverage add-ons makes pet insurance almost invaluable when it comes to the health and happiness of your pets.

Veterinary care can be unbelievably expensive. Unexpected emergency care is almost a guaranteed hit to your bank account. Meeting these costs out of pocket isn’t feasible, and having pet insurance can lessen the blow. Pet insurance might mitigate potential risks associated with unexpected health emergencies and routine care but finding the right one is a gargantuan task. We’ve done some of the hard work for you and reviewed pet insurance plans for pets in Arizona. Let’s check them out!


A Quick Comparison of the Winners for 2024

Image Product Details
Best Overall
Lemonade Lemonade
  • Full customization of basic plan packages
  • Quick reimbursement payouts
  • Shortest waiting period for new cats and dogs
  • Best Value
    Second place
    Spot Spot
  • Unlimited coverage available
  • Exam fees for accidents or illnesses are reimbursed
  • Covers microchip implantation in basic policies
  • Best Deductibles
    Third place
    Embrace Embrace
  • 2-day waiting period for accidents
  • Can file claims directly from the mobile app
  • Accident and illness plan covers all illnesses and injuries, even hereditary
  • Trupanion Trupanion
  • No payout limits
  • One-time deductible
  • Wide range of coverage
  • Pumpkin Pumpkin
  • Includes coverage for some pre-existing conditions
  • Short waiting period
  • Will pay a portion of your vet bill upfront
  • The 10 Best Pet Insurance Providers in Arizona

    1. Lemonade Pet Insurance – Best Overall

    Lemonade logo

    Our best overall plan, Lemonade, earns its ranking with its impressive scope of coverage and cost-effective plan options. Boasting lower monthly costs than most other insurance plans without compromising customizable plan options, Lemonade is hard to beat as one of the best insurance plans in Arizona. Lemonade’s most basic plan starts at just $10 a month and includes options to fit a pet owner’s individual needs.

    You can add more to any basic plan, expanding the customization and coverage to build the exact policy you and your furry friend need. With Lemonade, you are not trapped in an accident-only plan, and you won’t be breaking the bank if you choose to add other services. Sadly, Lemonade doesn’t offer behavioral issue coverage, dental coverage, or preexisting condition coverage, but its overall scope has more bang for your buck. Lemonade holds its top position with its comprehensive accident and illness plan that maintains affordable pricing and gives the option of impressive preventative care add-ons.

    Sample Monthly Premiums: For pets between the ages of 1 and 9 years old in Phoenix, a policy with a $5,000 annual limit and $250 deductible with an 80% reimbursement rate had monthly premiums ranging from $18–$53 a month for dogs and $12–$25 for cats.

    • One of the cheapest pet insurance companies
    • Full customization of basic plan packages
    • Quick reimbursement payouts
    • Shortest waiting period for new cats and dogs

    • Only available in 36 states, Arizona included
    • Requires records of a medical exam on your pet within the last year to be eligible for coverage
    • Doesn’t cover behavioral conditions

    2. Spot Pet Insurance – Best Value


    Spot’s accident and illness policy is a highly customizable option for pet owners seeking more control over their insurance plans. Spot’s insurance plan comes with your chosen annual deductible, but you can push it even further with an unlimited annual coverage option. The shining star of Spot’s insurance plan is its basic accident and illness coverage.

    This basic plan covers prescriptions, major surgeries, exam visits, and even rehabilitative or alternative therapies for your pets with covered conditions. With Spot, you can choose the type of coverage you want, the limits of that coverage plan, and whether or not you wish to add additional wellness packages.

    However, as with most pet insurance plans, a wellness or preventative care plan is a separate add-on. These additional options cover dental cleaning, vaccinations, or other general wellness upkeep like nail trimming. With so many deductible options, Spot’s insurance plan is the ultimate option if you want complete control over tweaking and customizing your pet’s insurance coverage.

    Sample Monthly Premiums: A quoted premium for Spot’s accident insurance plan with a $250 deductible and 80% reimbursement rate in Phoenix has dogs listed at $33.96 a month and cats at $19.12 a month.

    • Unlimited coverage available
    • Exam fees for accidents or illnesses are reimbursed
    • Covers microchip implantation in basic policies
    • Offers accident-only cheaper coverage plan
    • No limit for older animals

    • Only covers cats and dogs, no exotic animals
    • Basic coverage plans do not cover wellness exams
    • Has a longer waiting period of 14 days to cover accidents

    3. Embrace Pet Insurance – Best Deductibles

    Embrace Pet Insurance

    Embrace’s basic accident and illness plan is not only budget-friendly but also covers emergencies like dental trauma and arthritis without additional add-ons. This simple yet incredibly comprehensive insurance plan is highly customizable as it allows you to select a deductible and reimbursement percentage that fits your budget without skimping on the coverage options.

    While Embrace’s plan does not offer coverage for elective procedures and pre-existing conditions, it allows you to add on an extra wellness package that will pay 100% of the costs to your annual limit.

    Sample Monthly Premiums: The average premium in Phoenix for pets under 10 years old varies. With a $5,000 annual coverage limit and $300 deductible, dogs average between $35–$61 a month, and cats average $17–$37 a month.

    • 2-day waiting period for accidents
    • Can file claims directly from the mobile app
    • Accident and illness plan covers all illnesses and injuries, even hereditary
    • Five customizable deductible options for you to choose from

    • Does not offer annual coverage beyond $30,000.
    • Slower payout process than competitors
    • Only covers cats and dogs
    • 6-month waiting period for orthopedic coverage

    4. Trupanion

    Trupanion Pet Insurance Logo

    Trupanion’s basic accident and illness policy also includes coverage for birth defects and breed-specific conditions, making it a one-of-a-kind pet insurance plan. As if this weren’t enough, you can add additional coverage. Trupanion is so customizable that it even offers specific plan add-ons if you intend to breed your pets.

    The one downside of Trupanion over our top three choices is that it does not offer any additional wellness plans for preventative care. You are also responsible for covering your exam fees. Despite these drawbacks, Trupanion is still an excellent choice as it does not have coverage limits and its deductible options are plentiful.

    • Covers breed-specific and birth defect conditions
    • No payout limits
    • One-time deductible
    • Wide range of coverage
    • Claims are paid out within seven days

    • Exam fees and preventative care are not covered
    • No coverage for exotic pets
    • Longest waiting period for illnesses at 30 days
    • More expensive than the competition

    5. Pumpkin Pet Insurance

    Pumpkin Pet Insurance Logo

    Pumpkin Pet Insurance offers a comprehensive accident and illness policy, and the availability of a preventative care addon and lack of breed or age restrictions give it some major points on our insurance scale. Our one blip is the accident and illness plan lacks customization beyond choosing your annual limit.

    Pumpkin Pet Insurance covers dental care, behavioral rehab, hereditary conditions, and exam fees in its basic plan without needing any addons. This comes with a slightly higher price tag than competitors on our list but with offering only three deductible options they make choosing the right plan simple.

    • No upper age limits or breed restrictions for coverage
    • Includes coverage for some pre-existing conditions
    • Short waiting period
    • Will pay a portion of your vet bill upfront

    • Expensive, high monthly premiums
    • Only covers cats and dogs
    • Separate add-ons are required for preventative care

    6. Fetch by Dodo

    Fetch Pet Insurance

    Fetch is a great option for those looking for a simple option since they only provide one single plan for you to choose from. Fetch’s accident and illness plan pays for treatments, procedures, vet visits, exam fees, and even reward money if your pet is lost or stolen.

    Fetch offers no additional coverage for routine wellness or preventative care. This coverage is great for breeds who known to be quite healthy throughout their lifetime. Although they may not have as many options as some of their competitors, Fetch is still a great insurer considering its available discounts and what the basic plan covers.

    • Allows telehealth vet visits
    • Offers coverage for dental and cancer treatments
    • Has an unlimited annual coverage option
    • Covers costs for sick visits and exam fees

    • No coverage for preexisting conditions
    • Only offers coverage for cats and dogs
    • Annual wellness visit required to renew the policy
    • No additional wellness coverage options

    7. Healthy Paws

    HealthyPaws Pet Insurance Logo

    Healthy Paws has a great accident and illness plan and surprisingly affordable rates with no lifetime, per-incident, or annual coverage gaps. Healthy Paws provides coverage for the same basics we see in most standard insurance plans. Coverage for cancer, diagnostic tests, and emergency care fall under Healthy Paw’s basic plan for pet owners.

    However, Healthy Paws does not offer preventative care or wellness add-ons. While the basic coverage is more than enough, its lack of preventive care options, behavioral options, and exam fee coverage causes Healthy Paws to fall below the competition. However, Healthy Paws redeems itself with its unique claims submission format.

    Healthy Paws earns brownie points for ease of use because you file claims through their app and website. In some cases, you can even submit a photo of the vet bill rather than filling out a claim form. Healthy Paws is average for a basic accident and illness plan, but their simple claims process is noteworthy.

    • No annual, per-condition, or lifetime coverage limits
    • No need to fill out specific claims forms when using the app
    • Claims are reimbursed usually within 2 business days

    • No coverage for exotic pets, only cats and dogs
    • If your pet is under 6 years old, there is a yearlong waiting period for conditions like hip dysplasia
    • No wellness or preventative care coverage

    8. Figo Pet Insurance

    Figo Pet Insurance Logo

    Figo Insurance, not to be confused with the affectionate nickname Fido, offers an accident and illness plan with a customizable annual coverage limit. Not only can you choose an unlimited annual limit, but Figo also covers pre-existing conditions as long as they are considered curable through medical care.

    In addition, Figo goes a step further and offers 100% reimbursement for covered expenses, beating out the competition’s standard 80% rates. Much like other insurance plans on this list, you are not locked into your policy. You can add on a separate wellness plan, which is required to cover preventative care, elective procedures, and standard wellness care.

    Figo truly shines with their deep customization options, offering pet owners coverage for lost pet advertising, vacation cancellations linked to pet emergencies, and even pet theft. Despite this, it is wise to remember that Figo is newer to the pet insurance industry, and its insurance premiums are higher than some competitors.

    • Offers 100% reimbursement rate
    • Only has a 1-day waiting period for injuries
    • May cover pre-existing conditions if deemed curable

    • The premiums are very high in comparison to competitors
    • Only covers cats and dogs
    • No included coverage for vet exams
    • Requires annual checkups to maintain coverage

    9. Pet’s Best

    petsbest insurance logo

    Pet’s Best accident and illness policy is a solid choice with three tier options. The basic plan is affordable, but you can boost your base plan to a higher tier, with the most expensive tier adding coverage for extra exams, pet rehab, and even chiropractic care.

    Just like other insurers on our list, Pet’s Best offers additional wellness add-ons for your insurance plan if you wish to cover any extras not provided by the three-tier system. We find that their three-tier system can be pretty confusing to sort through when hunting down that perfect coverage for you and your pet. While their plans overall are good, the cumbersome experience can be frustrating for first-time insurance buyers.

    • Short 3-day waiting period for accident coverage
    • Don’t need to file claim forms when using their mobile app
    • Offers both accident and illness and accident-only plans

    • No coverage for preexisting conditions
    • Only offers coverage for cats and dogs
    • Three-tier coverage plans are difficult to sort through

    10.  ASPCA Pet Health Insurance

    ASPCA Pet Health Insurance Logo

    Most of us know about the ASPCA from television commercials or obsessively watching Animal Planet, but the ASPCA also offers pet insurance. Their accident and illness coverage also comes with the possibility of a wellness plan and preventative care extras if you choose.

    ASPCA’s accident and illness plan covers the typical array of emergencies like hospitalization, surgeries, emergency services, and cancer treatment. They also have coverage of hereditary, chronic, and breed-specific conditions in their basic plan package without any wellness or preventative addons.

    If that’s not enough, ASPCA also offers coverage on preexisting conditions as long as your pet has been symptom-free for 180 days. What brings ASPCA down to number 8 on our list is their hard annual limit of $10,000 and lack of overall customization options.

    • Includes coverage for exam fees and microchips in standard policies
    • Offers a low-cost accident-only plan
    • Offers insurance for horses

    • Maximum annual coverage of $10,000, which is lower than most providers
    • Has a 14-day waiting period for accidents
    • Processing claims can take up to 30 days
    • Requires addons for preventative care and wellness insurance

    divider-paw Buyers Guide: Choosing the Right Pet Insurance Provider in Arizona

    When trying to choose your pet insurance plan, you want to rank them based on their associated costs, your individual pet’s needs and medical history, current customer reviews, and the overall coverage offered.

    pet insurance claim form
    Image By:, Shutterstock

    Policy Coverage

    Most insurance plans are categorized into accident-only plans, accident and illness plans, or wellness and preventative care add-ons. When choosing your pet insurance plan, you want to consider all available policies, add-ons, or other coverage options. Your goal should be to find a plan that covers a broad range of accidents and illnesses, as well as chronic conditions, birth defects, and hereditary conditions. You should ensure that you have coverage for any life-threatening diseases, lab tests, surgery, and x-rays or MRIs.

    Check out the types of insurance plans most companies offer:
    • Accident-Only Plan: This works best on a budget and does not cover a full spectrum of conditions. This type of plan specifically covers accidents only, and broken bones, toxic ingestion, bite wounds, or severe cuts would be covered under the policy, while cancer would not be.
    • Accident and Illness Plan: This plan is the standard offering of all insurance providers, and it is the one we feature on our list above. This plan reimburses you for vet bills related to accident-only plan incidents, general illness, and other conditions. Emergencies are covered, and it also covers hip dysplasia, allergies, cancer, and more.
    • Preventative Care and Wellness Addons: These are offered as a supplement to your standard insurance plans, but not every company has them. This add-on typically covers routine vet visits and exams, vaccinations, and even behavioral therapy in some cases.

    Plan Customization

    Customizing your plan to fit your pet’s individual needs is one of the most critical parts of choosing a plan. Not every policy meets every need, and not every insurance provider has the plans you need.

    Price of Policy

    Your budget will help determine which insurance plan is best for you. Your insurance plan quote is 100% dependent on your location and your pet’s breed, age, and previous medical history. Overall pricing will vary with the different deductible and reimbursement options available, as well as the type of plan and any add-ons you choose.

    Customer Service and Reputation

    Checking reviews is a great way to create a snapshot of customer service. You want to double-check and research a company’s reputation using up-to-date reviews and any accreditations they claim to have. Doing your research goes a long way to finding the perfect plan.

    leaves divider leaf


    What is a pet insurance plan?

    Pet insurance is just like health insurance, except for the claims process. You will pay a regular monthly premium in exchange for coverage and reimbursement on any covered veterinary expenses you incur. As with health insurance, you must first pay your deductible before getting your reimbursement from insurance.

    Is pet insurance expensive?

    On average, a pet insurance plan can cost anywhere from $10 to $75 per month in premium fees for your cat or dog insurance. Your total cost will vary based on your pet’s age, breed, and overall health.

    Can I use my current veterinarian?

    Yes, absolutely. You can use any licensed veterinarian in the United States or Canada, including specialty veterinarians for emergencies.

    Does my pet insurance plan start immediately?

    The date will vary based on the company, but some companies will cover accidents requiring medical attention within a few days. Check with your insurance company to get your exact coverage dates.

    pet insurance coverage concept
    Image By: Andrey_Popov, Shutterstock

    What Current Users Say

    When choosing a pet insurance plan, there is no better way to get the ins and outs than from current users. Users are singing the praises of pet insurance providers’ ease of use, reliability, and customer service. The standard census of the insurance companies is that the ones on our list are quick, easy to use, efficient, and have excellent customer service.

    Some policyholders mentioned that pet insurance was a great source of relief for reducing veterinary bills, and others commented on how easy the online claims process was.

    However, the grass isn’t always greener on the other side. As with any product or service, customer complaints do exist. The most common complaints are about the extent of coverage. One user stated their insurance was unclear on coverage limits and that agents told them services would be covered that were not.

    Another common complaint was the repayment speed. While the actual filing and dealing with customer service appears quick and easy, multiple users complained that they still had not received their repayment.

    Which Pet Insurance Plan is Best for You?

    We recommend getting quotes from a few companies so you can compare their pricing, deductible options, reimbursement percentages, and overall coverage options. Finding the one that best suits your needs may require a little elbow grease and research. You should also compare any available wellness and preventative care packages to fill possible gaps in coverage and prospective costs. The right pet insurance plan depends on the needs of both you and your furry friend.

    divider-dog Conclusion

    Purchasing a pet insurance plan is more than choosing what won’t break the bank. While cheaper options may be more wallet-friendly, cheaper does not always mean better. Accidents happen, and illnesses happen, and we cannot control when they happen and who or which pet it happens to. However, choosing a good insurance plan can be the safeguard you need for that extra peace of mind.

    When choosing your pet insurance plan, consider the plan type, coverage limits, and customizable packages. Pet insurance may never be used for an emergency, but knowing you have it ready just in case is reassuring.

    Featured Image Credit:, Shutterstock

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