The Best Pet Insurance in Arizona (2024)
Caring for our pets is our main responsibility as pet owners. We feed them, bathe them, and give them a warm place to sleep at night. However, vet bills can be devastating to family finances, especially from an unplanned accident or illness. Many pet families would love to provide healthcare to their ailing pets but have no feasible way to pay for these services. That’s where pet insurance comes into play.
Working in many similar ways to human healthcare plans, pet insurance will reimburse you a certain amount for many covered tests or treatments, making healthcare for your pet much more affordable.
The 5 Best Arizona Pet Insurance Companies
We’ve researched the best pet insurance companies that offer pet insurance in Arizona to help you breathe a little easier. Keep reading for an in-depth breakdown of these six top-performing insurance companies.
- Spot: Best overall
- ASPCA: Most experienced
- Embrace: Best for deductibles
- Healthy Paws: Best for chronic conditions
- Prudent Pet: Best for dog and cat parents who want basic options
Compare Pet Insurance Companies in [state]
*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above.
How Does Pet Insurance Work in Arizona?
So you’ve purchased pet insurance, and your pet is sick. It’s time to go to the vet, but how does pet insurance work exactly? For starters, you are free to choose any licensed vet you want. You don’t have to worry about certain vets being in network with pet insurance as you are reimbursed directly, not the vet. Once your pet has been seen, hang on to the receipt. You will need this to submit your claim.
Some companies only need an uploaded photo of your receipt, while others require you to print off and fill out a claim form. After submitting your claim, your insurance company will review everything to make sure your claim is covered under your plan and determine how much money you will receive back. You may receive a check in the mail or have the money placed directly in your bank account.
How to Choose the Best Pet Insurance in Arizona for You
Several factors need to be considered when deciding which insurance is best for you. There are many great options on the list we’ve provided, but only you know which plan is best for your pet. Let’s look at the most important parts of deciding what works best for you.
Budget
First and foremost, it doesn’t matter how great the coverage is if you can’t afford it. We suggest sitting down and deciding how much money you feel comfortable putting towards pet insurance each month, then finding the best coverage you can for that price.
Special Considerations for Your Pet
When finding coverage for your pet, you need to consider your pet’s age, gender, and breed. Older pets will have more medical issues and, therefore, will cost more money than younger pets. Certain breeds are prone to genetic conditions like hip dysplasia, so you want to make sure whatever the condition is will be covered.
How Often Do You Visit the Vet?
Does it seem like you are constantly running to the vet with your pet, or are you lucky enough to only go once a year for vaccinations? Depending on how frequently you visit your local vet’s office may determine what extent of coverage you want.
Ease of Submitting Claims
Is a mobile app an important feature for you, or are you more of a pen and paper type of person? Not all claims submissions are created equal so make sure whatever company you go with has a process you are comfortable with.
Turnaround Time
Not only is how to submit claims important, but also how long the claims take to be reviewed and the money then delivered to your hands. If budget is a big consideration, you may need to look at how quickly you will be reimbursed for your out-of-pocket costs.
How Much is Pet Insurance in Arizona?
Sometimes it’s hard to wade through all the fine print to see how much you will be paying as well as what companies offer the most bang for your buck. We’ve got a side-by-side comparison for you to look at to compare average prices across the board. Keep in mind that several factors will play a role in how much you end up paying other than your monthly premium. Things like your yearly deductible, the percent you will be compensated, and the yearly benefit allowance affect how much you will spend annually. Your monthly premium itself will be determined by which coverage plan you’ve selected, any add-on benefits, and the age of your pet.
Provider | Sample Monthly Cost For Dogs | Sample Monthly Cost For Cats | Sample Monthly Wellness Cost |
---|---|---|---|
Spot | $40 | $22 | $9.95 – gold |
$24.95- platinum | |||
Lemonade | $37 | $15 | $10 for cats |
$15 for dogs | |||
Embrace | $35 | $18 | $35 |
Healthy Paws | $39 | $12 | Not offered |
ASPCA | $49 | $29 | $9.95 – basic |
$24.95 – prime | |||
Prudent Pet | $39 | $23 | $7.95-19.95 for cats |
$11.95-29.95 for dogs |
Where you live in Arizona also matters. We put together sample quotes from the pet insurance company PetsBest so you can see what the different rates are by city. We used a 3-year-old male, mixed breed bog, 20-55 lbs. for our sample quote.
City | Monthly Cost* |
---|---|
Phoenix | $35.54 |
Mesa | $45.84 |
Tucson | $31.81 |
Flagstaff | $31.81 |
Yuma | $36.70 |
Final Thoughts
Pet insurance is great for your peace of mind. You can rest easy knowing your pet will always have access to the healthcare it needs, and you will always be able to pay for it. No more hard decisions will have to be made on whether you will keep your emergency fund intact or get your pet the surgery it desperately needs.
No matter your financial situation, you can find a plan to fit your needs. Purchasing pet insurance is a win-win in our book for the benefits it provides. And, you will be in great hands no matter which provider from our list you go with.
Information for Pet Owners in Arizona
Several things probably spring to mind when you picture the Grand Canyon State. Arizona is a breath of fresh air for both you and your pets with its lush forests, majestic mountain ranges, and awe-inspiring canyons.
Below, we’ll touch on what pet laws Arizona has in place that you need to know and some fun pet-friendly activities for the whole family. Arizona also has some great pet resources available if you ever need a helping hand!
Arizona Pet Laws
Any dog three months or older has to be licensed if it lives in the state of Arizona for 30 consecutive days a year. Once licensed, your dog must wear a tag with the expiration date and number of its license on its collar at all times. Before a license is given, though, you must provide documentation of your pet’s rabies vaccination.
You must have your dog on a leash in public places. In addition, your pet must be kept on a leash at all times if it’s a vicious breed or a female in heat. These laws are in place to help the citizens of Arizona feel safe when they are out and about.
Fun Things To Do with Your Pet in Arizona
Having your pet by your side makes everything more fun. Living in Arizona gives you many unique opportunities to enjoy life with your pet. Dine at one of its many pet-friendly restaurants or enjoy a day of camping and relaxing by a campfire at one of its state parks.
Sedona Red Rock Adventures offers only dog-friendly tours that range from touring ancient Indian ruins, strolling through local wineries, or exploring the Grand Canyon. Other pet-friendly attractions include Goldfield Ghost Town, Pima Air and Space Museum, and Peddler’s Pass Flea Market. Really, though, this is just the tip of the iceberg. Arizona is especially pet-friendly, and you will have endless options available to you.
Arizona Pet Resources
- Arizona Pet Project: This small company works hard to provide services and resources to vulnerable community members ensuring they never have to give up their pets when times get hard.
- Humane Society of Southern Arizona: Whether it’s by providing assistance through boarding, spaying or neutering, or providing food for your pet, the Humane Society of Southern Arizona can help you get the care and services you need.
- Arizona Small Dog Rescue: This company rescues dogs in need and keeps them until their forever home can be found. It also provides assistance to pet owners who have lost their pets.
Frequently Asked Questions About Pet Insurance in Arizona
Is buying pet insurance worth it?
For most pet owners, pet insurance is absolutely worth it. We never know when our pet could have an unexpected accident or develop an illness, so having a backup plan in place to help pay for your pet’s vet bills is beneficial for most pet parents. Vet bills can quickly add up to hundreds, or even thousands of dollars, which many pet parents don’t have readily available.
Having pet insurance protects you financially and gives you peace of mind that you won’t have to say no to recommended treatments to benefit your pet’s health and happiness.
Do all vets take pet insurance in Arizona?
In short, yes. Your pet insurance provider doesn’t work with your vet, so you don’t have to worry about your vet being in-network like a human health insurance plan. Instead, you submit your claim directly to your pet insurance provider, which will reimburse you based on your coverage. This allows you to go to any licensed veterinarian, whether they are at a clinic or animal hospital, to get your pet the care they need. As long as the treatment is covered under your plan, you’ll be covered.
Does pet insurance only cover dogs and cats?
Most pet insurance providers only cover dogs and cats. To date, the only pet insurance provider that covers birds and exotic pets in the United States is Nationwide Insurance. Nationwide can cover your pet pig, lizard, parrot, chinchilla, and other exotic animals. Exotic pets need excellent veterinary care just as much as dogs and cats, so consider looking into a pet insurance plan for them today if you have an exotic pet.