Best Pet Insurance in Arizona of 2022

Lisa Scott

If you and your pet love fun, you probably know Arizona is perfect for outdoor activities! Popularly called the “Grand Canyon State,” it is lavished with mountainous spaces for all sorts of exploring. However, it is important to note that mountains can also expose your pets to danger because they contain plenty of wild animals. Consequently, accidents are most likely to occur in a state like such, and that’s one of the reasons you should consider pet insurance.

With so many pet insurance policies available, it might be difficult to choose the best pet insurance policy for you and your pet. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m


Coverage Up To


Reimbursement Rates


Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it in Arizona?

With a fun-loving pet in Arizona, there are endless adventures and much to explore. However, the weather conditions in Arizona can be quite harsh, which can wear your pet out and prone to illness. Like humans, our pets benefit from routine check-ups at the veterinary clinic so their health is maintained regularly. By purchasing pet insurance, you can visit a clinic regularly with little worry about medical bills.

Additionally, there are lots of animal predators – snakes, bears, wildcats, coyotes, lizards, scorpions, tarantulas, and scorpions – and this spells imminent danger for your pet. If your little furry friend comes in contact with one of these animals, it may require emergency medical attention at a hospital. Being prepared for unexpected medical emergencies can help minimize your financial burden and allow you to focus on your pet’s recovery.

Looking at the bigger picture, pet insurance is worth considering because it can save you money in the long run. It can help minimize the cost of veterinary bills you may incur after emergency treatment.

For instance, here’s an estimate of treatment for pets:

  • Spider bites: around $1,000
  • Diabetes: roughly $6,000 annually
  • Ear infections: around $2,000 to $3,500

What types of pet insurance plans are in Arizona?

These are the four most common types of pet insurance plans provided by insurers:

  • Accident-only plan: This plan covers unexpected injuries due to an accident. For instance, your pet could mistakenly be hit by an oncoming vehicle, swallow objects, or suffer from an animal bite. Emergency hospital visits, medications, and treatments would be covered under this plan.
  • Accident and illness plan: This plan covers the cost(s) associated with any injuries and illnesses. Coverage for the following is included: medications, x-rays, hospitalization, and surgery. Although this plan may be an ideal option for many, most insurance companies consider the age of your pet.
  • Wellness plan: This plan can be an add-on option to any other pre-existing plan or a stand-alone plan. This plan is meant for the health maintenance of your pet such as microchipping, vaccinations, veterinary exams, etc. Wellness plans offer routine and preventative care and tend to be the most budget-friendly plans.
  • Comprehensive plan: This plan offers the most holistic coverage of the four. It includes coverage for illnesses, injuries, accidents, wellness, and preventative care.

What does pet insurance cover and exclude?

The following are most commonly covered under pet insurance policies:

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

The following is a list of exclusions you should be aware of when looking at pet insurance policies:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Additional veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and declawing. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in Arizona?

Typically, pet insurance policies in Arizona won’t exceed $100 per month, but pricing varies depending on some factors such as:

  • Species: If you own a dog, you are most likely going to pay more than a pet parent that owns a cat. Pet insurance for dogs is often more expensive because they are more susceptible to certain conditions like joint issues and hip dysplasia, and these conditions cost more to treat.
  • Breed: Buying pet insurance for some breeds of pets is more expensive than others due to their susceptibility to certain diseases.
  • Age: As your pet grows older, your premiums increase. This is because as pets age they become more prone to health problems, and the recovery period may take longer than normal.
  • Customization: This is one way to slash some dollars off your premium. Higher annual deductible, lower annual coverage limits, and lower reimbursement rates can significantly lower your monthly premium.

What are the veterinary costs in Arizona?

Pet insurance can be beneficial so you are always prepared for unexpected medical emergencies. However, if you’re curious to know how much veterinary bills cost, consider the average national costs below:

Veterinary serviceCost
Physical exams$45-$55
Fecal exam$25-$45
Heartworm test$45-$50 
Dental cleaning$70-$400 
Ear infection$2,500-$4,500
Dog hernia$750-$2,000

Generally, the veterinary cost will depend on your insurance plan, the age of your pet, and the condition you are treating.

How to choose the best pet insurance in Arizona

When seeking the best pet insurance, keep the following factors in mind during your research:

  • Consider your costs: First, look for pet insurance plans that fit your budget. The cost of pet insurance will vary from provider to provider based on the type of pet and breed you want to insure. Also, the number of pets (often cheaper when you’re insuring more than one), the type of coverage you choose, and your deductible will be factored into your monthly premium cost.
  • Consider your pet’s medical history: If your pet already has a medical condition, find out if the insurance policy will cover your pet’s treatment(s), medications, etc. Most pre-existing conditions are not covered so it is recommended to insure your pet from a young age or as soon as possible. This way, if any conditions develop later in life, your pet is more likely to receive coverage.
  • Customer reviews: Learn about pet insurance providers’ efficiency via customer reviews. Check what customers have to say about an agency and how they handle their claims process. This could help you narrow down your options and choose the most suitable plan for you.