Best Pet Insurance in Arizona – MarketWatch

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If you enjoy taking your furry companion on weekend camping trips in the Grand Canyon or to seasonal festivals in Phoenix, consider protecting your pet with one of the best pet insurance policies in AZ.
While you may not need pet insurance if you can afford emergency vet bills, it’s good to have to protect your pet in the event of an emergency. Pet insurance can also help pay for routine care and preventative treatments with optional coverage add-ons, keeping your pet happy and healthy.
Finding the right pet insurance provider for you and your pet can be daunting with so many options available. We at the Home Media reviews team have taken the time to understand the needs of pet owners by conducting surveys and analyzing hundreds of third-party customer reviews.
Through this research, we identified the top pet insurance companies based on their coverage offerings, pricing and benefits.
Here are the top providers of pet insurance in Arizona:
 
Coverage & Cost: Lemonade’s pet insurance plan covers unexpected vet bills such as diagnostic tests, surgery, hospitalization, prescription medications and more when your pet has an accident or illness. Covered accidents and illnesses include broken bones and hip dysplasia. Lemonade doesn’t cover behavioral issues, dental illnesses, elective procedures and pre-existing conditions that arise before your pet’s policy coverage begins. Lemonade also doesn’t pay for physical therapy treatments or vet visit fees unless you add those coverage items to your plan for a few extra dollars per month.
Optional Add-Ons: You can also add preventative care coverage at two different monthly prices. The cheaper option covers a wellness exam, fecal test, blood test, heartworm test and three vaccines, whereas the other option adds coverage for a routine dental cleaning and heartworm, flea or tick medication.
Sample Monthly Premiums: Here are some prices from our sample quotes for policies with a $5,000 annual limit, a $250 deductible and an 80% reimbursement rate for 1- to 9-year-old mixed animals in Phoenix:
While Lemonade is the defendant in a class-action lawsuit regarding its alleged collection of biometric data, we still view it as a legitimate and reputable choice of provider based on its user-friendly online experience, affordable rates and quality coverage. You can learn more in our Lemonade review linked below.
Get a quote: Use Lemonade’s hassle-free online quote tool to check policy prices.
To learn more: Lemonade Pet Insurance review
 
 
Coverage & Cost: Spot is an ideal choice for pet parents who want to customize their policy. They can choose between accident-only coverage, accident and illness coverage, wellness add-ons and seven annual coverage limits from $2,500 to unlimited. Additionally, Spot covers vet bills from behavioral treatments, exam fees, microchipping, injury treatments and more.
Optional Add-Ons: When you buy a Spot policy, you can also add Gold or Platinum preventative care plans with up to $250 or $450 per year of per-treatment limits for items such as a dental cleaning, a fecal test, vaccinations and heartworm tests. Spot doesn’t cover elective or cosmetic vet services, pregnancy or breeding issues and pre-existing conditions.
Sample Monthly Premiums: To show you sample pricing for Spot’s accident-only plan, here are some quoted premiums in Phoenix for policies with $5,000 annual coverage limits, $250 deductibles and 80% reimbursement rates for dogs and cats of various breeds and ages:
Get a quote: Customize your policy by getting a free quote from Spot on the company’s website.
To learn more: Spot Pet Insurance Review
 
 
Coverage & Cost: Like Lemonade, Embrace Pet Insurance offers just one pet insurance plan option for coverage on both accidents and illnesses. The plan pays for allergy testing, alternative treatments, X-rays, ultrasounds, exam fees, dental procedures and more when they’re needed to treat your pet’s accident, illness or other unexpected condition. Embrace excludes pre-existing conditions, cosmetic procedures, issues from breeding or pregnancy and organ transplants.
Optional Add-Ons: Additionally, Embrace offers one of the most impressive, optional preventative care plans in the industry called the Wellness Rewards plan. It pays for 100% of routine vet bills from treatments such as a wellness exam, vaccinations, microchipping and teeth cleaning. You can choose annual limits of $250, $450 or $650 for your optional Wellness Rewards plan.
Sample Monthly Premiums: The following average premiums are for mixed dogs and cats between 1 and 9 years old in Phoenix for a policy with $5,000 of annual coverage, a $300 deductible and an 80% reimbursement rate:
Get a quote: Fill out this online form for an instant pet insurance quote from Embrace.
To learn more: Embrace Pet Insurance review
 
 
Coverage & Cost: ASPCA Pet Health Insurance offers two pet insurance plans: Accident-Only Coverage and Complete Coverage. The Accident-Only Coverage plan reimburses policyholders for treatment costs and exam fees related to their pet’s accidents, such as torn ligaments, cuts and broken bones. The Complete Coverage plan extends that coverage to illnesses and other conditions such as behavioral issues, cancer, arthritis, allergies and more, as long as they aren’t pre-existing before coverage begins.
Optional Add-Ons: ASPCA Pet Health Insurance also offers preventative care add-ons to either plan for items such as a dental cleaning, deworming, a heartworm test and a fecal test. You can purchase the Basic plan with $250 of total per-item limits per year or the Prime plan with an annual total of $450 of per-item limits. ASPCA Pet Health Insurance excludes pre-existing conditions in addition to cosmetic procedures and breeding costs.
Sample Monthly Premiums: Below are sample averages of Complete Coverage plan premiums with $5,000 annual limits, $250 deductibles and 80% reimbursement rates for mixed pets in Phoenix between 1 and 9 years old:
Get a quote: Fill out this online form with your zip code and pet’s details for a quote from ASPCA Pet Health Insurance.
To learn more: ASPCA Pet Health Insurance review
 
 
Coverage & Cost: Fetch provides only one plan for your pet’s accidents and illnesses. It pays for treatments, procedures, vet visit fees and other costs such as lost-pet advertising and reward money if your pet goes missing, boarding fees if you’re hospitalized for more than four days and need help caring for your pet and vacation cancellation fees if your pet’s treatment requires you to cancel your trip.
Unlimited Coverage Option: Fetch offers an unlimited coverage option for no annual coverage caps, but it doesn’t offer any additional coverage options. The company also doesn’t pay for pre-existing conditions, elective or cosmetic surgeries and routine or preventative care for your pet. Because of this, it’s not the best option if you’re looking for help covering annual vet visits or vaccinations.
Sample Monthly Premiums: Here are some average prices for a Fetch policy in Phoenix with a $5,000 annual coverage limit, $250 deductible and 80% reimbursement rate for mixed animals between 1 and 9 years old:
Get a quote: Visit Fetch’s website to enter your zip code and pet’s information and receive a free pet insurance quote.
To learn more: Fetch by The Dodo Pet Insurance review
 
 
Coverage & Cost: All Healthy Paws pet insurance policies come with unlimited annual, per-incident and lifetime coverage, which means you’ll never reach a maximum amount the provider will pay for covered veterinary services. It covers accidents and illnesses, including cancer, hereditary conditions, chronic conditions and congenital conditions.
Healthy Paws doesn’t offer any preventative care add-ons, and its policies don’t cover behavioral issues, spay or neutering, exam fees and hip dysplasia until after the first 12 months of the policy.
Sample Monthly Premiums: Unlike competitors, Healthy Paws limits how you can customize your policy when your pet is more than 6 years old. However, here are average prices for pets in Phoenix between 1 and 9 years old from policies with $250 deductibles and 80% reimbursement rates when those options were available:
Get a quote: Fill out this online form from Healthy Paws for an instant quote based on your zip code and pet’s details.
To learn more: Healthy Paws Pet Insurance review
 
 
Coverage & Cost: Prudent Pet offers three different plans with various coverage levels. The Accident-Only Plan pays up to $10,000 per year for necessary treatments and procedures related to accidents such as broken bones and bite wounds. The Essential Plan pays up to $10,000 annually for those accidents in addition to illnesses and other conditions such as hip dysplasia, urinary infections, hereditary conditions and more. Prudent Pet also offers the Ultimate Plan with unlimited annual coverage for accidents and illnesses plus a few extra reimbursements for costs such as lost-pet advertising and reward money, vacation cancellation fees if you need to change travel plans due to your pet’s treatments and replacement costs if your pet is officially lost or stolen.
Optional Add-Ons: Additionally, you can add extra coverage for exam fees and preventative care to your pet insurance plan. However, these plans have some exclusions, such as pre-existing conditions, herbal therapies and cosmetic procedures.
Sample Monthly Premiums: Here are the average rates we received for an Essential Plan with a $250 deductible and 80% reimbursement rate for mixed pets in Phoenix between the ages of 1 and 9 years old:
Get a quote: Choose your Prudent plan by getting a quote using this easy online tool.
To learn more: Prudent Pet Insurance review
 
 
Not only does pet insurance help your animal get the care it needs without hesitation, it’s also a savvy financial investment and can protect you from paying for expensive vet bills. To find the best pet insurance provider for you and your pet, we recommend getting quotes from a few companies to compare prices and coverage in your area.
While Lemonade offers some of the best coverage at affordable prices, other Arizona pet insurance companies may be a better fit for you and your animal. Embrace has a unique Healthy Pet Deductible, and Prudent Pet offers impressive extra coverage in its Ultimate Plan.
 
 
Provider
Monthly Cost*
Waiting Period for Accidents
Waiting Period for Illnesses
Multi-Pet Discount
Mobile App
Lemonade
$20.92
2 days
14 days
5%
✔
Spot
$58.23
14 days
14 days
10%
✔
Embrace
$39.38
2 days
14 days
10%
✔
Fetch
$49.31
15 days
15 days
None
✔
Healthy Paws
$49.08
15 days
15 days
None
✔
Prudent
$50.93
5 days
14 days
10%
✘
ASPCA
$58.23
14 days
14 days
10%
✔
*Each provider’s monthly cost is based on accident and illness policy premiums from quotes we received on 4-year-old medium-sized dogs in Phoenix.
 
Pet insurance is a simple product that can be broken down into two plans and a popular additional coverage option or endorsement. The coverage plan you’re looking for will vary depending on your exact needs. Here’s a detailed breakdown of what each plan comes with:
 
 
Before purchasing a pet insurance policy, here are a few factors to consider to help narrow down your choices:
 
 
The cost of pet insurance for dogs and cats in Arizona varies depending on your zip code and pet’s details, such as its age and breed. We pulled dozens of quotes on various animals between the ages of 1 and 9 and found that most pet insurance policies for dogs fall around $20–$130 per month and most cat insurance policies cost between $15 and $50 per month.
Although pet insurance has only recently gained popularity among pet owners across the country, it is a legitimate industry with some providers, such as ASPCA Pet Health Insurance and Embrace, that have been around for decades.
Yes, covered bills from any licensed veterinarians in the United States can typically be claimed on your pet insurance policy from any of these top providers.
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted: 
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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