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Best Pet Insurance in Arizona (2022 Review)

Read about the top providers of pet insurance in Arizona to choose the best policy for you and your companion.

A cute large yellow/tan dog sitting on red rocks in the desert, looking at the camera with one ear up, and a dog collar on Adobe

Pet insurance in Arizona can be worth the monthly premiums to ensure your animal gets the immediate care it needs after an emergency.

The This Old House Reviews Team researched the best pet insurance companies in the United States, surveying pet owners, reading hundreds of third-party customer reviews, and comparing top providers on their coverage, pricing, reputation, and more.

Keep reading for the top pet insurance companies in Arizona.

Arizona’s Best Pet Insurance Providers

Lemonade Pet Insurance: Best Overall

Lemonade scored the highest in our review for its impressive coverage, valuable plan options, and low monthly costs compared with most other pet insurance providers.

  • Our score: 96 out of 100
  • 10% discount for bundling with the company’s home insurance or renters insurance policies
  • Mobile app and artificial intelligence (AI) software for easy claims filing
  • Charitable donations program

Although Lemonade lost points for its low Better Business Bureau (BBB) rating for its high number of complaints, we found that most complaints reference other insurance products offered by the insurer, rather than its pet insurance policies.

Lemonade Pet Insurance Pros and Cons

✔ Offers extra preventative care for kittens and puppies less than 2 years old
✔ Includes a high annual coverage option of $100,000
✔ Has a waiting period of two days for accidents, which is shorter than many competitors

✘ Requires records from a medical exam from the past 12 months for your pet to be eligible for coverage
✘ Doesn’t cover behavioral conditions

Lemonade Plans and Coverage

With Lemonade’s accident and illness pet insurance plan, customers can make claims on treatments, procedures, diagnostic tests, and other costs related to your pet’s injuries, broken bones, sprains, cancer, general sicknesses, congenital or hereditary conditions, and more. It doesn’t cover elective procedures, behavioral conditions, or pre-existing conditions.

Customers can also purchase an add-on for coverage on vet visit fees, an add-on for physical therapy coverage, and an add-on for preventative care at two different coverage levels. The less expensive option covers a wellness exam, three vaccinations, a heartworm test, a fecal test, and blood work, while the other option adds coverage for dental cleanings and flea, tick, or heartworm medication.

Get a Free Quote: Lemonade Pet Insurance Quote

Learn More: Lemonade Pet Insurance Review


Spot Pet Insurance: Most Customizable Plans

Arizona pet owners who want an affordable policy that fits in their budget based on their coverage needs can benefit from Spot, since it offers seven annual coverage limits to choose from, which is more than most competitors.

Some highlights include the following:

  • Our score: 91 out of 100
  • Includes access to a 24/7 telehealth line for questions about your pet’s health
  • Offers coverage cap choices between $2,500 and unlimited
  • Covers veterinary exam fees without additional monthly costs

Spot Pros and Cons

✔ Covers microchip implantation in standard policies
✔ Provides accident-only coverage, unlike most other providers in this review
✔ Has a helpful resource blog on the website to help keep pet owners informed on tips for caring for their animals

✘ Has only two years of experience, which is less than many other companies
✘ Doesn’t provide weekend customer service availability

Spot Plans and Coverage

Spot’s pet insurance policies can come with coverage for either accidents only or both accidents and illnesses. Both cover required treatments, such as diagnostics, hospitalization, emergency care, surgeries, and cancer treatments. The accident-only plan limits coverage to accidents, such as broken bones or toxic ingestions, whereas the accident and illness plan includes other conditions, such as chronic conditions and digestive illnesses.

Spot also offers preventative care plans that can be added to your policy for help paying for your animal’s wellness care, such as annual checkups, dental cleanings, and vaccinations. The Gold plan comes with a total of $250 per year to pay for those treatments, and the Platinum plan comes with $450 per year.

Get a Free Quote: Spot Pet Insurance Quote

Learn More: Spot Pet Insurance Review


Embrace Pet Insurance: Best Deductibles

Embrace earns a spot among top pet insurance providers in Arizona for its deductible options and its unique Healthy Pet Deductible benefit.

  • Our score: 93.5 out of 100
  • The Healthy Pet Deductible credits your deductible with $50 for each year you don’t file a claim, decreasing it to as low as $0
  • Has five deductible options ranging from $200 to $1,000
  • Donates $2 from every policy to pet shelters and charities

Embrace Pet Insurance Pros and Cons

✔ Offers a 5% military discount
✔ Has a waiting period of two days for accidents, which is shorter than the industry standard of 14–15 days
✔ Provides the option of paying annually, saving customers $12 on the monthly installment fee

✘ Charges more for preventative care than many competitors
✘ Doesn’t offer annual limit options beyond $30,000

Embrace Plans and Coverage

Embrace’s Accident and Illness Plan covers emergencies such as dental trauma and broken bones, as well as your pet’s illnesses and other conditions, including hip dysplasia, diabetes, arthritis, and more. It doesn’t cover elective procedures and pre-existing conditions that arise before the end of the two-day waiting period for accidents and 14-day waiting period for illnesses.

Customers can also purchase an optional Wellness Rewards Plan with $250, $450, or $650 of coverage per year for between $18 and $52 extra per month, depending on how much coverage your pet needs. Embrace reimburses you for 100% of the costs from routine care, including vet visits, microchipping, prescription diet foods, spay or neuter surgery, vaccinations, and more.

Get a Free Quote: Embrace Pet Insurance Quote

Learn More: Embrace Pet Insurance Review


Fetch by The Dodo Pet Insurance: Best Holistic Coverage

Fetch is another reputable choice for pet owners in Arizona looking for holistic coverage options. It reimburses for often excluded treatments such as hydrotherapy, stem cell therapy, and acupuncture.

Some highlights include:

  • Our score: 91.5 out of 100
  • Is accepted by all licensed veterinarians in the U.S. and Canada
  • Provides $1,000 of annual reimbursement for telehealth visits
  • Has an easy-to-use app for claims filing and policy management

Fetch by The Dodo Pros and Cons

✔ Offers an unlimited annual coverage option, while many providers cap benefits
✔ Is endorsed by The Dodo, a leading animal media company hailed for its social impact
✔ Covers all costs for sick visits and related exam fees, which many companies exclude from coverage

✘ Has a standard 15-day waiting period for both accidents and illnesses, which is longer than some competitors
✘ Doesn’t feature add-ons for wellness benefits or routine care

Fetch by The Dodo Plans and Coverage

Fetch’s single accident and illness plan reimburses you for emergency vet visits, prescriptions, procedures, rehab, hospitalization and some additional treatments related to accidental injuries and health conditions. The provider doesn’t offer an accident-only plan or preventive care coverage.

Fetch’s accident and illness plan provides a handful of coverages excluded by other providers. In addition to its behavioral and holistic coverage options, it reimburses:

  • Boarding fees if you’re hospitalized for more than four days
  • Vacation cancellation fees resulting from a covered accident or illness
  • Advertising/reward fees if your pet goes missing

Fetch excludes pre-existing conditions occurring before or during the 15-day waiting period, as well as routine care costs, breeding-related expenses, and elective or cosmetic procedures.

Get Quotes: To get a free quote from Fetch, use this online tool.

Learn More: Fetch Pet Insurance Reviews


Healthy Paws Pet Insurance: Best Coverage Limit

We chose Healthy Paws for its accident and illness coverage with no per-incident, lifetime, or annual coverage caps that come at affordable rates when compared with other providers’ unlimited coverage options.

  • Our score: 93.5 out of 100
  • Mobile app for policy management and claims filing
  • More than 11 years of experience in the pet insurance industry

Healthy Paws Pros and Cons

✔ Includes a 30-day money-back guarantee with its plan
✔ Makes most payouts within two days of customers filing a claim
✔ Covers alternative treatments, such as acupuncture and chiropractic care

✘ Doesn’t cover behavioral treatments, which are typically covered by other providers
✘ Has a 12-month waiting period for hip dysplasia coverage
✘ Doesn’t offer any preventative care coverage add-ons

Healthy Paws Plans and Coverage

Healthy Paws offers only one plan with unlimited coverage on accidents and illnesses. It covers cancer, diagnostic tests, imaging, surgery, hospitalization, prescription medications, emergency care, specialty care, and more. It doesn’t cover spay or neuter survey, vet visit or exam fees, preventative care, or pre-existing conditions.

Healthy Paws’ plans are less customizable than many other providers’ plans, offering only the unlimited coverage limit and fewer deductibles and reimbursement rates, depending on your pet’s age. For example, if your pet is more than 6 years old, your monthly premium could be considerably cheaper than many competitors, but your reimbursement rate wouldn’t be customizable, locked in at 50% or 70%, and your deductible would be either $750 or $1,000.

Get a Free Quote: Healthy Paws Pet Insurance Quote

Learn More: Healthy Paws Pet Insurance Review


Figo: Best Extra Coverage Add-On

In addition to a few other unique benefits Figo offers, it stands out for its Extra Care Pack add-on, which includes extra coverage for costs associated with owning a pet, such as emergency boarding costs and third-party property damage liability.

Some highlights include these:

  • Our score: 93 out of 100
  • Provides unlimited annual coverage caps
  • Has a unique Figo Pet Cloud app for connecting with other pet owners and keeping track of your pet’s medical records
  • Typically offers lower prices than many competitors for older pets, based on our secret shopping

Figo Pros and Cons

✔ Offers a 100% reimbursement rate, which isn’t offered by any other providers in this review
✔ Provides a low deductible option of $100 to help minimize your out-of-pocket expenses during a claim
✔ Has a one-day waiting period for injuries, which is shorter than most competitors

✘ Requires your pet to get annual checkups and dental exams to remain eligible for coverage
✘ Excludes behavioral treatments from its policy coverage

Figo Plans and Coverage

Figo offers accident and illness coverage with $5,000, $10,000, or unlimited annual limits, depending on your needs and budget. It covers required treatments related to your pet’s injuries, broken bones, cancer, chronic conditions, and more, but doesn’t cover behavioral treatments like many other providers do.

Figo’s Extra Care Pack covers lost-pet advertising costs, burial or cremation costs, the replacement cost if your pet is lost or stolen, emergency boarding fees, vacation cancellation fees, and third-party property damage liability up to $10,000. Figo also provides a vet visit fee coverage add-on and an add-on for your pet’s wellness care at two different annual coverage levels.

Get a Free Quote: Figo Pet Insurance Quote

Learn More: Figo Pet Insurance Review


Which is the Best Pet Insurance in Arizona for You?

We recommend these seven pet insurance providers for those looking for comprehensive coverage on their pet’s emergency veterinary care, but choosing the best pet insurance company in Arizona will depend on your companion’s specific needs.

If you’re looking for impressive and affordable overall coverage, we recommend Lemonade. However, Fetch and Healthy Paws might be better options for people looking for unlimited annual coverage.

Comparing the Top Pet Insurance Providers in Arizona

We suggest gathering several quotes from the best pet insurance providers in Arizona before making your decision.

Compare Arizona’s Best Pet Insurance Companies

Provider Sample Monthly Premium* Highest Annual Coverage Limit Waiting Period for Accidents Waiting Period for Illnesses
Provider Sample Monthly Premium* Highest Annual Coverage Limit Waiting Period for Accidents Waiting Period for Illnesses
Lemonade $20.92 $100,000 2 days 14 days
Spot $48.32 Unlimited 14 days 14 days
Embrace $44.64 $30,000 2 days 14 days
Fetch $49.31 Unlimited 15 days 15 days
Healthy Paws $49.37 Unlimited 15 days 15 days
Figo $36.13 Unlimited 1 day 14 days

*Based on sample quotes for an accident and illness policy for a mixed 4-year-old dog in Phoenix (85024 ZIP code)


How Much Is Pet Insurance in Arizona?

Although pet insurance policies in Arizona typically fall between $20 and $100 per month, your pricing could vary depending on a few different factors:

  • Species: Pet insurance for dogs can be considerably more expensive than pet insurance for cats, since dogs are generally more susceptible to certain expensive conditions, including hip dysplasia and joint problems.
  • Breed: Some breeds of dogs and cats are more expensive than others to insure due to their susceptibility to certain diseases. For example, golden retrievers are one of the most expensive breeds to insure since they’re prone to hip dysplasia.
  • Age: Each year your pet ages, your premiums will increase slightly, and if your pet is more than 6 years old, it will be more expensive to insure than a younger pet. Older cats are especially expensive to insure, since they’re more likely to get sick and have a difficult time recovering from accidents.
  • Customization: Choosing lower annual coverage limits, higher annual deductibles, and lower reimbursement rates when selecting your plan can help decrease your monthly premium to an amount that fits within your budget.

For example, our quote for a mixed 4-year-old dog in Phoenix on a policy with $30,000 of annual coverage, a $200 deductible, and a 90% reimbursement rate was $78.16 per month. That same policy with a $5,000 annual coverage limit, $1,000 deductible, and 70% reimbursement rate was quoted at $20.11 per month. Most pet insurance providers offer customization options to help you find the cheapest pet insurance prices for your needs.


Frequently Asked Questions about Pet Insurance in AZ

Is pet insurance in Arizona worth it?

Yes, pet insurance is worth the monthly premiums for the financial savings it offers. After surveying 1,000 pet owners, we found that about 40% of respondents said they would need to use a credit card to pay for emergency vet bills, while 9% said they don’t know how they’d pay for an emergency vet bill.

Although pet insurance comes with a monthly premium that can be pricey depending on your pet’s species, age, and breed, it can be a worthwhile investment and help pay for excessive vet bills you may incur after an emergency without impacting your credit card or savings account.

Does pet insurance in Arizona offer immediate coverage?

No. All pet insurance providers include a waiting period with each policy before coverage officially starts. While many companies have a waiting period of 14–15 days, other providers, such as Lemonade and Embrace, have shorter waiting periods for coverage on accidents.

What does pet insurance in Arizona not cover?

Pet insurance providers don’t cover pre-existing conditions that arise before or during a policy’s dedicated waiting periods. Additionally, most companies don’t cover elective procedures, such as tail docking and ear cropping, issues related to breeding or pregnancy, and preventative care unless these items are purchased as an add-on.


Our Rating Methodology

The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.