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5 Best Pet Insurance Companies in Arizona (2021)

Read about the top five pet insurance companies 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 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.

All pricing in this article comes from sample quotes we received for policies in Phoenix with a $250 deductible, a $5,000 annual coverage limit, and an 80% reimbursement rate. However, we recommend getting your own quotes to compare prices and plans in your area.

Arizona’s Top 5 Pet Insurance Providers

Best Overall: Lemonade

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.

Some highlights include:

  • Our score: 96
  • 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 of C 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.

Get a free quote from Lemonade by using this easy online tool.

Lemonade Pros and Cons

Pros Cons
Pros Cons
✔ Offers extra preventative care for kittens and puppies less than 2 years old ✘ Requires records from a medical exam from the past 12 months for your pet to be eligible for coverage
✔ Includes a high annual coverage option of $100,000 ✘ Doesn’t cover behavioral conditions
✔ Has a waiting period of two days for accidents, which is shorter than many competitors

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.

Lemonade Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium-Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium-Hair
Accident and illness plan $20.92 $29.67 $19.25 $12.58
Accident and illness plan with preventative care $36.92 $45.67 $35.25 $22.58
Accident and illness plan with vet visit fees and physical therapy $26.42 $37.67 $24.33 $15.83

Most Comprehensive Plan: Prudent Pet

Prudent Pet is one of the best pet insurance companies for its comprehensive Ultimate Plan, which includes coverage for lost-pet advertising and reward money, vacation cancellation fees, and a few other extras.

Some highlights include:

  • Our score: 95
  • Unlimited annual coverage caps with the Ultimate Plan
  • Preventative care add-on with three coverage levels and monthly prices
  • Add-on that covers vet visit and exam fees

Enter your ZIP code and dog or cat’s specific information into Prudent Pet’s online tool to get a free quote on a policy.

Prudent Pet Pros and Cons

Pros Cons
Pros Cons
✔ Provides access to a 24/7 online vet chat ✘ Requires customers to pay extra per month for vet visit fees
✔ Offers a 10% multi-pet discount ✘ Doesn’t allow customers to customize their annual coverage limits, unlike most other providers
✔ Provides an accident-only plan option for less expensive coverage

Prudent Pet Plans and Coverage

With $10,000 of annual coverage, Prudent Pet offers both the Accident-Only Plan for coverage on incidents like injuries and bite wounds and the Essential Plan for coverage on accidents and illnesses, including congenital conditions, hereditary conditions, cancer, hip dysplasia, and more.

Prudent Pet also offers the Ultimate Plan, which covers treatments, procedures, and other costs related to your pet’s accidents and illnesses and comes with unlimited coverage caps. It also includes reimbursement for advertising and reward money for your lost pet, replacement costs for a stolen or stray pet, boarding fees, mortality costs, and vacation cancellation fees.

Prudent Pet doesn’t cover cosmetic procedures, pregnancy issues, or pre-existing conditions, but it does offer optional preventive care coverage at three price points and coverage levels. Customers can choose between $210, $315, or $460 of total annual coverage, and monthly prices range from $7–$25 depending on your pet’s species and breed.

Prudent Pet Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident-Only Plan $25.94 $38.05 $21.74 $15.56
Essential Plan $58.96 $86.47 $49.41 $35.36
Ultimate Plan $77.97 $114.36 $65.35 $42.16

Best Coverage Limit: Healthy Paws

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.

Some highlights include:

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

Fill out this online form to get a free quote from Healthy Paws on your cat or dog’s pet insurance policy.

Healthy Paws Pros and Cons

Pros Cons
Pros Cons
✔ Includes a 30-day money-back guarantee with its plan ✘ Doesn’t cover behavioral treatments, which are typically covered by other providers
✔ Makes most payouts within two days of customers filing a claim ✘ Has a 12-month waiting period for hip dysplasia coverage
✔ Covers alternative treatments, such as acupuncture and chiropractic care ✘ 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.

Healthy Paws Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and illness plan $49.37 $72.98 $39.47 $23.11

Best Deductibles: Embrace

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

Some highlights include:

  • Our score: 93.5
  • 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

Get a free quote on an Embrace pet insurance policy by filling out this online form with your ZIP code and pet’s details.

Embrace Pros and Cons

Pros Cons
Pros Cons
✔ Has a waiting period of two days for accidents, which is shorter than the industry standard of 14–15 days ✘ Charges more for preventative care than many competitors
✔ Offers a 5% military discount ✘ Doesn’t offer annual limit options beyond $30,000
✔ Provides the option of paying annually, saving customers $12 on the monthly installment fee

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 a 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.

Embrace Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and Illness Plan $44.64 $66.97 $38.49 $26.24
Accident and Illness Plan with Wellness Rewards Plan $63.39 $85.72 $57.24 $44.99

Best Digital Clinic: Pawp

Although Pawp is not a traditional pet insurance company, it stands out for its digital clinic, which offers customers 24/7 communication with licensed vets online or over the phone.

Some highlights include:

  • Our score: 90
  • Digital clinic with unlimited 24/7 video calls, chats, and phone calls with licensed vets and pet professionals
  • $3,000 emergency fund to pay 100% of one vet bill per year
  • Up to six pets included with one membership

Sign up for a Pawp membership by visiting the company’s website and filling out this quick form.

Pawp Pros and Cons

Pros Cons
Pros Cons
✔ Pays the vet directly, rather than reimbursing you for the covered vet bill, so you won’t have to pay any money out of pocket before leaving the vet’s office ✘ Covers only one vet bill per year up to $3,000
✔ Doesn’t require customers to pay any co-pays or deductibles ✘ Doesn’t offer any preventative care coverage
✔ Monthly plan prices cost a flat rate for cats and dogs of any breed or age

Pawp Plans and Coverage

Pawp offers a membership that gives customers access to 24/7 telehealth virtual vet visits and a $3,000 emergency fund that pays for one vet bill per year for one of up to six pets in your household. This fund can pay for life-threatening emergencies that require immediate medical attention, such as toxic ingestions, choking, and internal or external injuries.

To activate the emergency fund, an official Pawp vet must confirm that your pet’s condition qualifies as a life-threatening emergency. After a Pawp vet has deemed the emergency to be life-threatening, you must take your pet to the vet within four hours of the incident to be eligible for coverage. Pawp doesn’t cover any scheduled surgeries, checkups, vaccinations, pregnancy issues, and anything not deemed a life-threatening emergency by a Pawp vet.

Pawp Sample Monthly Pricing

Pawp membership pricing isn’t based on your pet’s location, breed, age, or gender. A Pawp membership costs a flat rate of $19 per month.

Our Conclusion

We recommend these five 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, Prudent Pet and Healthy Paws might be better options for people looking for unlimited annual coverage.

Compare Arizona’s Best Pet Insurance Companies

Provider Lemonade Prudent Pet Healthy Paws Embrace Pawp
Provider Lemonade Prudent Pet Healthy Paws Embrace Pawp
Get a quote Lemonade.com PrudentPet.com HealthyPawsPetInsurance.com EmbracePetInsurance.com Pawp.com
Our score 96 95 93.5 93.5 90
Sample monthly premium* $20.92 $58.96 $49.37 $44.64 $19
Highest annual coverage limit $100,000 Unlimited Unlimited $30,000 $3,000
Waiting period 2 days for accidents and 14 days for illnesses 5 days for accidents and 14 days for illnesses 15 days for accidents and 15 days for illnesses 2 days for accidents and 14 days for illnesses 14 days for accidents and illnesses
Customer service Email and chat on mobile app Live chat, contact form, and phone with no specified hours Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours Email and live chat
BBB rating** C A+ A- A+ A

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

**Based on scores pulled from each company’s BBB profile as of October 6, 2021

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

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.

Can I take my pet to the vet during the coronavirus pandemic?

Yes. Most veterinarian offices have remained open during COVID-19 to accept pets for emergency care and general visits. Many vets have procedures in place to help pet parents avoid contact with the virus, such as mask-wearing, curbside pickup, and telehealth services.

Does pet insurance 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 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.