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Arkansas, one of the top states in the United States that produces diamonds, is also a great place for pets to live. The state is known for its amazing lakes, rivers, hot springs, and frequent storms. With such extreme weather conditions, pet insurance can be a useful investment for your furry friend.
Additionally, with pet insurance, you are able to ensure your pets receive medical attention for any illness, injury, or accident. Pet insurance can help cover unexpected veterinarian bills, so you aren’t in a financial crisis. You can expect most pet insurance policies in Arkansas to cover the following: emergency care, annual wellness visits, and illnesses. We’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality in Arkansas so you can make the best decision for your pet.
ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.
Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.
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.
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 pumpkin.care/insurancepolicy. 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 pumpkin.care/customeragreement. Paid Endorsement.
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.
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.
MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.
Fetch covers various conditions and offers holistic therapy coverage.
Spot will insure older animals and provides a multi-pet discount when you insure two or more pets
Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.
When you consider the cost of veterinary care in Arkansas and the fact that pets are more likely to be engaged in accidents or to fall ill, it becomes apparent why pet insurance is important.
The cost to treat any health condition is high if you use veterinarian services. Furthermore, when it comes to pet expenses, veterinary care is one area that may quickly add up. If you take your pet to a veterinarian for treatments and examination, prepare to spend more on these services. With pet insurance, your pet will be treated as soon as it’s diagnosed, and you don’t have to stress about the hefty bill. You can focus on your pet and its recovery so it is able to return home safe and sound.
Keep in mind that as your pet ages, it is more likely to develop injuries and illnesses. Pet owners are encouraged to purchase an insurance plan when their pet is young because any pre-existing conditions your pet may have will likely not be covered.
There are three main types of pet insurance coverage options available in Arkansas, according to different pet insurance providers.
The following are most commonly covered under pet insurance policies:
The following is a list of exclusions you should be aware of when looking at pet insurance policies:
The cost of pet insurance in Arkansas varies depending on the insurer. This is due to some underlying factors such as age, pet breed, and zip code. Standard accident and illness pet insurance coverage in Arkansas costs between $12 to $31 per month for dogs and $7 to $20 per month for cats, according to a few findings. When considering a different dog or cat breed, keep in mind that the prices will not be the same.
In Arkansas, this is how pet insurance costs are calculated with respect to the pets’ age and breed.
| Breed | Age | Monthly Cost |
| Chihuahua | 5 year old dog | $23 to $90 |
| Chihuahua | 6 month old puppy | $18 to $68 |
| Domestic Shorthair | 5 year old cat | $17 to $45 |
| Domestic Shorthair | 6 month old kitten | $14 to $40 |
A frequent appointment to the veterinary office in Arkansas should cost no less than $100 every visit on average. However, if you’re dealing with more significant concerns, expect to pay anywhere from $600 to $10,000, depending on your pet’s condition.
Some of these conditions and the estimated prices are:
When choosing pet insurance, the options can be quite overwhelming. There are several costs and policy types to consider. Here are some tips on how to choose the best pet insurance for your pet’s needs:
