Best Pet Insurance in Arizona of 2025
Finding the right pet insurance can offer peace of mind for Arizona pet owners. Knowing that your beloved companion is covered in case of unexpected illness or injury is invaluable. Forbes Advisor has analyzed top pet insurance providers to identify the best options.
This guide highlights the best pet insurance companies in Arizona, considering coverage options, costs, and customer service.
Key Takeaways:
- Pets Best, Embrace, Figo, and Lemonade stand out as the best pet insurance companies in Arizona, according to our analysis.
- The average cost for dog insurance in Arizona is about $86 per month.
- Cat owners in Arizona can expect to pay roughly $41 monthly, on average.
Why You Can Trust Forbes Advisor
Our ratings are based on thorough evaluations of key coverage categories. We assess pet insurance costs, the ability to pay the vet directly, the availability of a 24/7 vet health line, and the option to add a wellness plan within the pet insurance policy. Advertisers do not – and cannot – influence our ratings. We use data-driven methodologies to evaluate insurers in order to provide an equal measurement and comparison of all companies.
Our Expert Picks
- Pets Best – Plus plan
- Embrace
- Figo
- Lemonade
Compare the Best Pet Insurance Companies in Arizona
Here’s a comparison of the highest-rated pet insurance companies to help you choose the best coverage for your pet:
Rates are based on plans with unlimited annual coverage, a $250 deductible, and 80% reimbursement, or the closest options available. Source: Forbes Advisor research.
The Best Pet Insurance Companies in Arizona
Pets Best – Plus plan
Forbes Advisor Rating: 5.0
This plan provides solid coverage at good prices for unlimited annual coverage. Pets Best Pet Insurance Review
Pros:
- Coverage for dental illness.
- Behavioral therapy coverage when prescribed by a vet.
- Direct payment options to vets, reducing upfront costs.
- Coverage for end-of-life expenses.
Cons:
- No coverage for prescription food.
- 6-month waiting period for cruciate ligament issues coverage.
- The Plus plan doesn’t cover alternative therapy, but the Elite plan may cover acupuncture and chiropractic care.
Embrace
Forbes Advisor Rating: 4.5
Embrace policies offer a comprehensive range of coverages, including behavioral and alternative therapies, dental illnesses, and stem cell treatment. Embrace Pet Insurance Review
Pros:
- Includes a 24/7 pet telehealth line.
- Offers an optional wellness plan that covers microchipping.
- Covers vet exam fees.
- Provides a 10% multipet discount.
Cons:
- 6-month waiting period for coverage of orthopedic conditions, though this can be waived with a pre-policy orthopedic exam.
Figo
Forbes Advisor Rating: 4.0
Figo is notable for its range of deductibles and reimbursement levels, including a 100% reimbursement option. Figo Pet Insurance Review
Pros:
- Coverage for alternative therapies.
- Includes a free 24/7 pet telehealth line.
- Offers an optional wellness plan.
Cons:
- Additional cost may be incurred for coverage of vet exam fees.
- 6-month waiting period for orthopedic problems (can be waived if your vet signs a waiver).
Lemonade
Forbes Advisor Rating: 4.0
Lemonade provides great rates in Arizona, contributing to its strong performance in our comparison, however its base plans have limitations compared to competitors. Coverage can be expanded through optional add-ons. Lemonade Pet Insurance Review
Pros:
- Optional wellness plan available.
- Offers live chat for pet health questions 7 days a week.
Cons:
- No option for Unlimited annual coverage.
- No option to pay the vet directly.
- No coverage for stem cell treatment, prescription food, or microchipping.
- No coverage for behavioral therapy or alternative therapies.
- 6-month waiting period for coverage of cruciate ligaments.
How Much Does Pet Insurance Cost in Arizona?
Pet insurance in Arizona averages around $55 per month for dogs, and $28 per month for cats. This is based on a policy with $5,000 of annual coverage, a $250 deductible, and 80% reimbursement.
A policy with unlimited annual coverage, a $250 deductible, and 80% reimbursement costs an average of $86 monthly for dogs and $41 monthly for cats in Arizona.
Cost of Pet Insurance for Dogs in Arizona
Cost of Pet Insurance for Cats in Arizona
How To Find the Best Pet Insurance in Arizona
When evaluating pet insurance choices, affordability is often a priority. However, it’s essential to look beyond the cheapest option and assess the following features.
1. Understand Waiting Periods
All pet insurance companies impose waiting periods for coverage to start. Check whether the insurer has extended waiting periods for specific conditions, especially if your pet’s breed is prone to issues like hip dysplasia.
2. Assess Vet Exam Fee Coverage
Not all pet insurance companies cover the vet fees for an accident or illness visit. Look for companies that will cover these costs.
3. Determine Direct Vet Payment Options
Some pet insurers, such as Pets Best, offer the ability to pay a vet directly, which can alleviate financial stress.
4. Explore Multi-Pet Discounts
Inquire whether the company provides a multi-pet discount if you have more than one pet to insure.
5. Consider a Wellness Plan
Regular pet checkups and vaccinations can help prevent major vet bills later. Consider companies that offer wellness plans.
Veterinary Costs in Arizona
The average vet visit cost in Arizona is $55 for dogs. However, these costs may be higher if additional care, like prescription medication or treatment, is required. Here is a look at the veterinary visit costs in various Arizona cities.
Source: Banfield Pet Hospital
Methodology
To find the best Arizona pet insurance, each company was scored based on the following:
- Pet insurance rates (40% of score):
- Special waiting period (10% of score)
- Direct payment to vet (10% of score)
- 24/7 vet health line (10% of score)
- Routine wellness plans (10% of score)
- Pays veterinary exam fees (10% of score)
- Euthanasia or end-of-life expenses (5% of score)
- Multipet discount (5% of score)
Arizona Pet Insurance FAQs
Is pet insurance more expensive in Arizona?
Arizona has cheaper average pet insurance compared to California, Florida, and Georgia. Pet owners in Connecticut, Massachusetts, and Maryland are paying more.
What is the cheapest pet insurance in Arizona?
ASPCA has the lowest average insurance price for dogs in Arizona among companies in our analysis, averaging $40 per month for unlimited coverage. For cats, ASPCA has the cheapest Arizona pet insurance, at an average of $24 per month for unlimited coverage.
Is pet insurance worth it in Arizona?
To determine if pet insurance is worth it, analyze how a large vet bill would impact your budget. For example, if you have been paying about $50 per months for three years, you’ve paid $1,800 in pet insurance premiums. Let’s say your dog breaks a bone and treatment costs $3,500. If you have a $250 deductible and 80% reimbursement level, the out of pocket cost for the vet would be $900. Adding the premiums for three years, and the treatment cost, comes to $2,700, for a savings of $800 with pet insurance.
