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Best Pet Insurance In Arizona

Pet insurance policies for Arizona pet parents can make a world of difference in alleviating the financial stresses of veterinary care, but coverage varies based on your policy and provider.

Written by
Marriah Plough
Last Update on Jan 15, 2024

Arizona presents various hazards and challenges to pet parents, from blistering temperatures to poisonous and venomous wildlife running rampant throughout the state. Between these hazards and the rising cost of veterinary care, pet insurance is essential for financial protection. 

A well-rounded pet insurance policy can make a pivotal difference in treating your pet, whether for an emergency or ongoing condition. It helps relieve the financial stress of veterinary care, leaving you to focus on helping your furry, feathered, or scaled friend recover.

Top Pet Insurance Providers In Arizona

Best for Total Coverage and Care

Pets Best

5.0
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Dogs and cats
Waiting periods
3 days accident, 14 days illness, 6 months cruciate ligament, none for routine care plans
Maximum annual coverage
$5,000 or unlimited
Reimbursement choices
70%, 80%, or 90%
Deductible choices
$50, $100, $200, $250, $500, $1,000
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Pros

  • Short accident plan waiting period of just three days
  • Wide array of deductible options
  • Multiple reimbursement amounts
  • 24/7 pet telehealth line available
  • Routine wellness plans available
  • Multi-pet discounts are available for 5% per pet
  • Direct payments to your vet might be available (when your vet signs a reimbursement release)

Cons

  • Lengthier 6-month waiting period for cruciate ligament complications
Additional Details

Between excellent coverage and an equally reasonable price, Pets Best is a worthwhile consideration for Arizona pet parents. This provider offers a full range of policies, coverage amounts, reimbursement choices, and deductible choices for optimal customizability.

Coverages

  • BestBenefit accident and illness
  • Accident only
  • Routine care

Claims process

  • Online through the Pets Best website or mobile app or through fax, email, or standard mail

Coverage details

  • The BestBenefit Accident and Illness plan delivers the most comprehensive coverage, extending to broken bones, foreign object ingestions, arthritis, cruciate ligament injuries, cancer, prescription medications, diagnostics, dental, end-of-life expenses, and much more.
  • The accident-only coverage covers emergencies like broken bones, accidental swallowing, snake bites, and similar accidental instances.
  • The routine care plan is available as an add-on for an additional cost and comes in two tiers: EssentialWellness and BestWellness.
  • The routine care plans cover expected expenses, including vaccinations and dental cleanings.
Best for Conditions Covered

ManyPets

4.5
★★★★★ ★★★★★ ★★★★★
App availability
No
Types of pets covered
Dogs and cats
Waiting periods
24 hours or 15 days
Maximum annual coverage
Unlimited
Reimbursement choices
70% or 80%
Deductible choices
$500
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Pros

  • Short waiting period for accident and illness coverage
  • Quick turnarounds on claim payouts
  • Covers exam fees in accident and illness visits
  • Waiting period in accident and illness plans shortens to 24 hours for customers switching from another insurer

Cons

  • Restricted service areas, although it plans to expand
  • No behavioral therapy coverage
  • Limited coverage for older pets
Additional Details

Despite its relative newness in the pet insurance industry, ManyPets has quickly become a strong contender with its out-of-the-box and valuable coverage features. Its competitive pricing, unlimited annual coverage, and substantial coverage scope make it worth a look.

Coverages

  • Accident and illness
  • Optional wellness add-on

Claims process

  • Online via the ManyPet portal or by phone

Coverage details

  • The accident and illness policies cover diagnostics, medications, procedures, hospitalizations, emergency care, and more.
  • Wellness policies cover vaccines, vitamins, supplements, preventative tests and medications, and dental cleanings.
  • The annual coverage cap in wellness plans is $600, which is divided into categories.
Best for Fast Approvals

Lemonade

4.5
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Dogs and cats
Waiting periods
2 days for accidents, 14 days for illnesses, 6 months for cruciate ligament problems
Maximum annual coverage
$5,000, $10,000, $20,000, $50,000, or $100,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500
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Pros

  • Quick turnaround times for claim approvals with AI-powered processes
  • Wellness plans available
  • Brief waiting period on accident coverage of 2 days
  • Numerous maximum annual coverage cap options
  • Live chat is available for pet health questions from 6 a.m. to 12 a.m. ET

Cons

  • No coverage for prescription food, microchipping, or stem cell treatment
  • Coverage excludes behavioral and alternative therapies
  • Vet exam fee coverage is an add-on, not standard in coverage
Additional Details

Affordable monthly premiums, numerous annual coverage caps, and multiple reimbursement options make Lemonade an excellent choice for pet parents on a budget. The AI-powered design of the app allows for quick and easy enrollments and claims processes.

Coverages

  • Accident and illness plans
  • Preventative care
  • Optional add-ons

Claims process

  • Online via the Lemonade app

Coverage details

  • The accident and illness plan covers related expenses, including hospitalization, lab work, diagnostics, emergency care, prescription medications, and procedures.
  • The preventative care plans include various vaccines, medications, bloodwork, fecal tests, and spaying or neutering.
  • Inclusions may vary in the preventative care plan based on your pet’s age, as kitten and puppy plans look different than adult plans.
  • The add-on options include end-of-life costs, dental illnesses, and exam fees.
Best for Avian and Exotic Pets

Nationwide

4.0
★★★★★ ★★★★★ ★★★★★
App availability
Yes, although functionality for pet insurance is limited
Types of pets covered
Dogs, cats, birds, and exotic pets
Waiting periods
14 days standard, 12 months for cruciate ligament issues
Maximum annual coverage
Unlimited
Reimbursement choices
50%, 70%, 90%
Deductible choices
$250
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Pros

  • 24/7 pet telehealth line
  • Covers vet exam fees
  • Wellness plans are available as standalone coverage
  • 5% discounts for multi-pet homes and current Nationwide customers
  • Pet Rx Express program offers preferred pricing on pet prescriptions at Sam’s Club and Walmart

Cons

  • Limited annual coverage limits and deductibles
  • 12-month waiting period for meniscus or cruciate ligament injuries
  • Coverage excludes end-of-life expenses
Additional Details

Nationwide pet insurance offers remarkable coverage with unlimited annual caps, multiple reimbursement choices, and a wide array of policies. Its policies even cover exotic pets and avians, making it an excellent choice for those with feathered or scaly pets.

Coverages

  • Whole Pet
  • Major Medical
  • Accident only
  • Avian and Exotic pet

Wellness

Claims process

  • Online via Nationwide website or through email, fax, or standard mail

Coverage details

  • The Whole Pet plan offers the most comprehensive coverage, extending to accidents, illnesses, hereditary conditions, diagnostics, holistic therapies, procedures, and standard care.
  • Major Medical is similar to the Whole Pet plan, although it excludes a few coverages, such as certain hereditary conditions and developmental disorders, by scaling back the coverage.
  • The Accident-Only plan sticks to emergent medical situations, like broken bones or lacerations.
  • The Avian and Exotic Pet plan covers various pets, such as hamsters, potbellied pigs, iguanas, chinchillas, snakes, and geckos.
  • The exotic plan covers accidents, illnesses, examinations, hospitalizations, lab fees, prescription medications, and specific diagnostics.
  • The Wellness plan adds extra coverage, such as deworming, microchipping, nail trims, biannual physical exams, fecal tests, and behavioral exams and treatment.
Best for Short Waiting Periods on Accident Coverage

Figo

4.0
★★★★★ ★★★★★ ★★★★★
App availability
Yes
Types of pets covered
Dogs and cats
Waiting periods
1 day for accidents related to injuries, 14 days for illnesses
Maximum annual coverage
$5,000, $10,000, Unlimited
Reimbursement choices
70%, 80%, 90%, 100%
Deductible choices
Varies by pet age
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Pros

  • 24/7 pet telehealth line
  • Routine wellness plans available
  • Brief 1-day waiting period on accident coverage
  • The Figo Pet Cloud app helps owners find pet-friendly places and connect with other pet parents for fun activities.
  • 100% reimbursement rate available
  • Upgrade available to cover specific circumstances, such as pet loss due to theft or straying and vacation cancellation due to a pet emergency

Cons

  • Coverage excludes dental illnesses
  • Prescription food is only eligible for coverage if it’s treating bladder stones or crystals
  • Deductibles vary based on pet age, and older pets only get higher deductibles
Additional Details

Between competitive pricing and impressively short waiting periods for accident coverage, Figo is an excellent choice for Arizona pet parents. It even helps pet parents find other pet owners and form social groups through its Pet Cloud app.

Coverages

  • Accident and illness plan
  • Wellness coverage
  • Optional add-ons

Claims process

  • Online via Figo’s Pet Cloud app or by phone, email, or fax

Coverage details

  • The accident and illness package covers unexpected expenses, including emergency care, hereditary conditions, cancer, medications, hospitalization, diagnostics, rehabilitation, and procedures.
  • The wellness add-on tacks on coverage for vaccinations, spaying or neutering, bloodwork, and similar expenses.
  • The add-ons list adds a layer of customizability, allowing owners to add coverage for end-of-life expenses, boarding, pet theft or loss due to straying, and vet cancellation due to a pet emergency.

Cost Of Pet Insurance In Arizona

The cost of a pet insurance policy varies based on multiple factors, including your location, policy, insurance provider, and your pet’s breed, age, and species. On average, pet insurance premiums in Arizona are as follows:

  • Dogs: $25 and $61 per month
  • Cats: $17 and $37 per month
  • Exotic pets: $13 and $50 per month

Since every situation is unique, it’s best to obtain a personalized quote from various insurance providers to get a better idea of your pet insurance premiums. 

Comparison With Other Regions

Arizona pet parents pay similar premiums to those in surrounding states, although California has notoriously high pet insurance premiums. However, costs for pet owners within the state can vary drastically based on their location. 

For example, pet owners in more populated cities with higher living costs, like Scottsdale or Paradise Valley, often pay more for their pet insurance premiums than those in areas with lower living costs, like Douglas or Bullhead City. The cost of pet medical care is often higher in more luxurious areas, potentially translating to higher pet insurance costs. 

Pet Laws In Arizona 

Like many states, Arizona outlines a few specific laws pertaining to pets, although there are more surrounding dogs than cats. 

For example, female dogs in heat or vicious dogs aren’t permitted to be at large. Dogs over three months must wear collars or harnesses with an attached license tag, and owners must keep dogs leashed or otherwise contained in public areas, such as parks or public school properties. 

Counties and municipalities outline further requirements and restrictions pet parents must follow, although these vary based on your location. For instance, pet parents in Maricopa County must license any dogs over three months of age and renew the license annually. 

Exclusions And Limitations

Every pet insurance provider outlines specific exclusions and limitations, and while they may vary from one provider to the next, many include similar restrictions. Pre-existing conditions are a common exclusion. This means that if your pet is diagnosed with the condition before you get your insurance policy and the waiting period ends, your policy will not cover the medical care associated with it. 

These restrictions apply to any illnesses and accidents that may occur during the waiting period. In addition to this common restriction, many pet insurance providers exclude or limit coverage for non-medical expenses like daycare or boarding. 

Some providers outline limitations or exclude pets over a certain age from coverage. Each exclusion and limitation varies based on the provider and policy you choose, so it’s essential to familiarize yourself with them when considering your options. 

Frequently Asked Questions (FAQs)

How Much Is Pet Insurance In Arizona?

The cost of Arizona pet insurance policies varies based on your pet. Most dog owners pay between $25 and $61 per month, while cat owners pay between $17 and $37 monthly. Owners of birds or exotic pets often pay between $13 and $50 monthly, depending on the species. 

At What Age Should I Get Pet Insurance For My Dog?

Pet insurance excludes pre-existing conditions, and since it’s tricky to predict medical complications, purchasing a policy sooner rather than later is best. On top of that, it’s often cheaper to purchase an insurance policy for your pet when they’re younger.

How Much Of The Vet Bills Does Pet Insurance Cover?

The amount your pet insurance policy will cover for your vet bills varies based on the specifics of the policy, including reimbursement percentages, deductibles, and annual coverage caps.

Will Pet Insurance Cover A Past Surgery?

No, since most pet insurance policies only apply to covered procedures your pet needs during an active policy, past surgeries aren’t eligible for reimbursement. However, if you already had pet insurance at the time of the surgery, it might be eligible for coverage.

Find out more

As a former veterinary assistant with a deep love for animals, Marriah is committed to providing pet owners with the resources they need to make informed decisions about their pets. When she's not crafting blogs and articles for online publications, she's usually spending quality time with her horses and dogs or whipping up baked goods.