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Best Pet Insurance in Arkansas (2022 Review)

A pet insurance policy can prevent Arkansas pet parents from paying expensive vet bills during an emergency. Read this guide for a comprehensive look at coverage, benefits, and plans from top providers.

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Pet insurance can take the worry out of pet ownership, protecting against unexpected bills and the cost of routine care. The This Old House Reviews Team explored the options available to pet owners in Arkansas, crafting a thoroughly researched list of the best companies for pet insurance in The Natural State.

We furthered our findings by collecting sample premiums from each pet insurance company suggested. These quotes are for 4-year-old male cats and dogs living in Little Rock (zip code 72211). However, since the location, age, and size of your pet can affect your insurance premium, we always recommend getting at least three personalized quotes to find the best rate.

Top 7 Pet Insurance Providers in Arkansas

Lemonade

When examining all of the factors in our rating system, Lemonade is our choice for insuring dogs and cats in Arkansas. Its short wait times, variety of coverage choices, and fast claims processing put it squarely in the lead as an excellent pet insurance option.

Some highlights include:

  • Our score: 96
  • Offers a charitable giveback program that allows you to donate up to 40% of your unclaimed money to a charity of your choosing at the end of each year
  • Add-ons for wellness and extended coverage are available
  • Provides up to a 5% discount for customers who choose to pay annually instead of monthly

Lemonade lost points for its lower than average rating from the Better Business Bureau (BBB), which is low in comparison to other pet insurance providers. It’s worth noting that its lower rating does seem to come from complaints about Lemonade’s renters insurance plans, as well as the company’s homeowners insurance plans, and not from dissatisfied pet owners.

Lemonade Pros and Cons

Compare the advantages and disadvantages of Lemonade:

✔ Provides a 10% discount for bundling pet and home insurance
✔ Each plan allows for a variety of coverage options and deductibles
✔ Offers a wide range of covered procedures, including ones for congenital and hereditary conditions

✘ Requires a recent exam from within the past 12 months to be eligible for a policy
✘ Doesn’t offer standard coverage for dental or behavioral treatments

Lemonade Plans and Coverage

One of Lemonade’s best features is that you can mix and match your plan with your desired add-ons. The standard coverage is an accident and illness plan that covers diagnostic tests, prescriptions, and procedures involved in treating conditions such as cancer, infections, broken bones, heart disease, sprains, and infections.

If you’re looking for a higher level of coverage, consider add-on choices for preventive care, physical therapy, and vet exam fees. Preventive care includes items like vaccines, wellness exams, and blood tests. The vet exam fees add-on covers veterinary care fees for eligible illnesses and accidents, while the physical therapy add-on takes care of costs for acupuncture, chiropractic care, and more.

Lemonade does not cover pre-existing conditions, breeding, or spaying and neutering for pets more than 2 years old.

Get a Quote: Lemonade Pet Insurance Quote

Learn More: Lemonade Pet Insurance Review


Spot

Spot is a younger pet insurance brand that stands out for its extensive customization options to help you get the right coverage you need within your budget. It offers two standard plans with seven annual coverage limit options to pick from.

Some highlights include the following:

  • Our score: 91
  • Has annual coverage limit options from $2,500 to unlimited
  • Includes a 30-day money-back guarantee
  • Has a resource blog on its website with extensive helpful resources about tips for caring for your animal

Spot Pros and Cons

✔ Includes microchipping coverage with each plan to help you keep track of your pet if it goes missing
✔ Covers vet visit and exam fees without requiring extra monthly costs
✔ Doesn’t require medical records to sign up and begin your policy

✘ Has a longer waiting period of 14 days for accidents than some competitors

✘ Doesn’t have weekend availability for its customer service department

Spot Plans and Coverage

If you’re looking for less expensive coverage on just your pet’s emergencies related to accidents, such as injuries, bite wounds, and toxic ingestions, you could choose Spot’s accident-only plan. However, it also provides a more comprehensive option for coverage on both accidents and illnesses, including chronic conditions and cancer.

You can also add one of two wellness care options to help pay for preventive treatments and costs, such as vaccinations, annual checkups, deworming, and dental cleanings. The Gold plan comes with $250 per year total of specified limits for each treatment, and the Platinum plan comes with $450 per year.

Get a Quote: Spot Pet Insurance Quote

Learn More: Spot Pet Insurance Review


Embrace

The wide selection of deductible options and rewards for pet wellness make Embrace our frontrunner for pet parents looking to customize their coverage.

Some highlights include:

  • Our score: 93.5
  • A $50 credit toward your deductible for each year you don’t file a claim
  • Online pet health chat feature gives guidance on health concerns, diet, and exercise for your pet
  • Coverage for exam fees included with all plan options
  • Customizable deductibles and reimbursement percentages can help reduce insurance costs

Embrace Pros and Cons

Compare the advantages and disadvantages of Embrace:

✔ No age limit on coverage
✔ Offers five deductible options: $200, $300, $500, $750, and $1,000
✔ Its wellness add-on includes extra benefits like grooming

✘ Accident and illness plan requires a vet exam within the past 12 months
✘ Offers coverage caps only up to $30,000

Embrace Plans and Coverage

Embrace’s accident and illness plan covers vet bills and expenses related to chronic and congenital conditions, physical therapy, allergy testing, prescription medications, hip dysplasia, and dental trauma, among other items.

The wellness add-on from Embrace comes at three price points, with up to $250, $450, or $650 reimbursed for routine and preventive care, anal gland expression, microchipping, medicated shampoos, cremation and burial, and more.

Embrace’s accident and illness plan and add-on both exclude preexisting conditions and cosmetic, aesthetic, or elective procedures.

Get a Quote: Embrace Pet Insurance Quote

Learn More: Embrace Pet Insurance Review


Fetch by The Dodo

Fetch by The Dodo made our list of top pet insurance providers for its coverage of alternative therapies like acupuncture and chiropractic care as well as high reimbursement caps for behavioral treatments.

Some highlights include:

  • Our score: 91.5
  • Coverage of up to $15,000 for behavioral issues
  • 24/7 virtual vet visits
  • Three deductible options and reimbursement rates

Fetch Pros and Cons

Compare the advantages and disadvantages of Fetch

✔ Offers a reimbursement rate of 90% that is higher than some pet insurance providers
✔ Reduces premiums by up to 30% if you don’t file a claim within a policy term
✔ Has a money back guarantee if you cancel your policy within the first 30 days

✘ Has a longer waiting period (15 days) than most competitors
✘ Requires annual pet exams, which are not covered, to continue policy

Fetch Plans and Coverage

Fetch provides coverage for diagnostics and treatments related to injuries and illnesses under one plan. The plan includes holistic treatments such as acupuncture and hydrotherapy, which pet insurance companies typically don’t offer in standard policies. Fetch will also reimburse you for dental injuries and diseases and provides up to $1,000 per year to cover the cost of virtual vet visits.

Fetch’s standard plan can be customized by selecting from three annual coverage caps: $5,000, $15,000, and unlimited. The company also has three reimbursement rates—70%, 80%, and 90%—and three deductibles that run from $250 to $500.

Get a Quote: Fetch by The Dodo Quote

Learn More: Fetch by The Dodo Pet Insurance Review


Healthy Paws

Healthy Paws is our top pet insurance provider for flexible coverage limits and offers multiple customization options.

Some highlights include:

  • Our score: 93.5
  • No caps on per-incident, annual, or lifetime coverage
  • Each filled-out quote provides a donation to homeless pets
  • Most claims are processed within two days

Healthy Paws Pros and Cons

Compare the advantages and disadvantages of Healthy Paws:

✔ Provides a website chat for fast support
✔ Has 12 years of experience in the pet insurance industry
✔ Its comparison tool will recommend policies from other pet insurance companies if its quote is unusually high

✘ Doesn’t have a preventive care add-on
✘ Doesn’t cover vet exam fees

Healthy Paws Plans and Coverage

Healthy Paws offers one plan for accident and illness coverage, which covers surgery, hospitalization, emergency and specialty care, diagnostic tests, and stomach issues. It also encompasses alternative therapies such as massage, acupuncture, chiropractic care, and hydrotherapy when prescribed by a licensed veterinarian.

Preexisting conditions, wellness and preventive care, exam fees, dental care, and special diets are excluded from coverage.

Get a Quote: Healthy Paws Pet Insurance Quote

Learn More: Healthy Paws Pet Insurance Review


Prudent Pet

Prudent Pet is our pick for comprehensive coverage. Its Ultimate Plan insures against a litany of costs, such as canceled vacations due to an ill pet, boarding fees, and end-of-life costs for your furry friend.

Some highlights include:

  • Our score: 95
  • Provides a 10% discount for insuring multiple pets
  • Has a 30-day money-back guarantee at the start of your policy
  • Offers three plans and two add-ons

Prudent Pet Pros and Cons

Compare the advantages and disadvantages of Prudent Pet:

✔ Has a 24/7 vet chat available for all policyholders
✔ Artificial intelligence enables quick reimbursement for claims
✔ The Essential and Ultimate Plans cover behavioral treatments when prescribed by a veterinarian

✘ Doesn’t have a mobile app
✘ The Essential and Accident-Only Plans automatically cap coverage at $10,000

Prudent Pet Plans and Coverage

Prudent Pet offers three tiers of plans: Accident-Only, Essential, and Ultimate. The Accident-Only Plan covers conditions such as bite wounds, broken bones, injuries to the teeth or mouth, diagnostic tests, and prescription medications. The Essential Plan covers more conditions, from ear, eye, and skin issues to congenital and hereditary conditions and cancer treatments.

The Ultimate Plan provides a comprehensive suite of benefits, including up to $500 of advertising costs for lost pets, $1,000 for behavioral treatments, and unlimited veterinary fee coverage. Prudent Pet also has a wellness add-on to cover preventive costs and a veterinary exam fee add-on that covers exam and diagnostic test fees from vet visits.

Prudent Pet doesn’t cover preexisting conditions, grooming, herbs and natural remedies, or veterinary house calls.

Get a Quote: Prudent Pet Insurance Quote

Learn More: Prudent Pet Insurance Review


ASPCA

ASPCA made our list of top pet insurance providers in Arkansas because of its mobile app and helpful online resources, which are great for first-time pet owners. ASPCA also covers microchip implantations, which many puppy or kitten owners may find appealing and has optional plans that reimburse you for behavioral issues that are common to young pets.

  • Our score: 89
  • Preexisting condition coverage available after 180 days
  • Three deductible and reimbursement choices
  • Coverage limits ranging from $3,000 to $15,000

ASPCA Pet Health Insurance Pros and Cons

✔ Provides a tool online and in its app for finding local veterinarians
✔ Includes vet exams in its standard plans
✔ Offers pet resources on its website that include picking a name and finding eco-friendly products

✘ Has a 14-day waiting period for accidents, which is longer than some competitors
✘ Charges a $2 fee for monthly payments

ASPCA Pet Health Insurance Plans and Coverage

ASPCA Pet Health Insurance has an accident-only plan that covers testing and treatment for injuries, including diagnostic exams, surgery, and physical therapy. The basic plan also covers acupuncture if recommended by your veterinarian to treat a new injury.

ASPCA’s Complete Coverage Plan expands on the accident-only plan to also include reimbursements for common illnesses like allergies and digestive issues, as well as more serious conditions like heart disease and cancer.

Like most pet insurance companies, ASPCA won’t cover cosmetic surgeries or certain preexisting conditions. However, ASPCA will cover curable preexisting conditions—other than knee and ligament issues—180 days after the start of your policy, provided your pet does not exhibit any symptoms during that time period.

Get Quote: ASPCA Pet Insurance Quote

Learn More: ASPCA Pet Health Insurance Review


Best Alternative to Pet Insurance

Pawp

Pawp is a digital clinic membership rather than a traditional pet insurance provider. It’s our choice for accessible digital clinic services thanks to its unlimited access to online help from vets.

Some highlights include:

  • Our score: 90
  • Provides a $3,000 emergency fund for one vet visit after an accident or illness
  • Offers lower plan pricing than competitors due to its unique business model
  • Doesn’t have deductibles—only an emergency fund cap
  • Provides online access to personalized recommendations from vets

Pawp Pros and Cons

Compare the advantages and disadvantages of Pawp:

✔ Provides 24/7 access to chat or video calls with a veterinarian
✔ One membership covers up to six pets
✔ Preexisting conditions are covered during emergencies

✘ Doesn’t have a BBB presence or rating
✘ Covers only one emergency up to $3,000 during each year of membership

Pawp Plans and Coverage

Since Pawp is not an insurance provider, it offers different benefits from a traditional pet insurance company. Pawp members are entitled to one emergency veterinary visit per year, and the company will pay up to $3,000 directly to the veterinarian—no reimbursement claims needed.

A Pawp plan does not cover more than one veterinary visit, and Pawp will not pay more than $3,000 in costs during that appointment. After this cap is reached, no other expenses are covered under the plan until the next year of membership.

Pawp Sample Monthly Pricing

Unlike the other pet insurance providers on our list, Pawp charges a flat fee of $24 per month. This price is consistent regardless of your furry friend’s breed, size, age, or medical history.

Learn More: Pawp Pet Insurance Review


Comparing the Top Providers of Pet Insurance in Arkansas

We ultimately recommend getting a free quote from at least three different providers to compare plan pricing in your area.

Compare Arkansas’s Best Pet Insurance Companies

Provider Sample Premium* Plans and Add-Ons Waiting Period
Provider Sample Premium* Plans and Add-Ons Waiting Period
Lemonade $16.42 3 2 days for accidents and 14 days for illnesses
Spot $31.98 4 14 days for accidents and illnesses
Embrace $27.84 2 2 days for accidents and 14 days for illnesses
Fetch by The Dodo $33.05 1 15 days for accidents and illnesses
Healthy Paws $30.65 1 15 days for accidents and illnesses
Prudent Pet $24.41 5 5 days for accidents and 14 days for illnesses
ASPCA $31.98 4 14 days for accidents and illnesses

*Based on sample quotes for a mixed 4-year-old dog in Little Rock, Arkansas.


How Much Is Pet Insurance in Arkansas?

Your individual insurance premium will be affected by the age, health, breed, and size of your pet. However, the five companies listed in this review offer affordable prices for pet parents throughout Arkansas. In our research, we found that standard policies for accident and illness pet insurance in Arkansas cost between $10 and $31 per month for dogs and $6 and $17 per month for cats.

The price of a pet insurance premium is influenced by determining factors, such as:

  • Breed: The breed of your dog or cat can influence your premium. Some animals, such as Saint Bernards and bulldogs, are more prone to genetic and chronic illnesses like hip dysplasia and heart issues than others, making them more expensive to insure. Mixed breeds and smaller animals usually have less expensive premiums.
  • Species: Dogs are more likely than cats to encounter health problems as they age, which means that pet insurance for dogs is often more expensive than pet insurance for cats.
  • Age: The older an animal, the more likely it is to deal with diseases or other medical issues, whether it’s cancer or cataracts. This can make purchasing pet insurance more expensive for animals more than 6 years old.
  • Customization: Choosing higher deductibles and lower reimbursement rates can reduce your monthly premium payments. For example, pet insurance for a 4-year-old mixed-breed dog in Little Rock would cost $37.58 per month if the owner chooses a $200 deductible. The same dog’s monthly premium would decrease to $21.34 if the owner chooses a higher $750 deductible.
  • Discounts: Some providers offer discounts to lower insurance premiums. For example, Lemonade offers a 10% bundling discount for combining pet and home insurance. Embrace and Prudent Pet both give a discount to pet parents insuring more than one animal.

Pet Insurance in Arkansas FAQs

If my pet is sick, can I get insurance?

Unfortunately, traditional pet insurance doesn’t usually cover pre-existing conditions, so you can’t purchase insurance to treat your pet after it’s already sick. However, some pet insurance providers, including Embrace, will cover a pre-existing curable condition after a year of your pet showing no symptoms.

Is pet insurance in Arkansas worth it?

According to surveys, one out of every three pet parents will face an unexpected veterinary bill during the next year. Since only 40% of Americans could cover an unexpected bill of $1,000, pet insurance is worth it for many pet parents. When your animal is sick, the last thing you want to do is worry about your wallet.

Is pet insurance in Arkansas mandatory?

No, pet insurance is not mandatory in Arakansas, but it can help protect pets during accidents and unexpected illnesses and allows pet parents to give their pets the veterinary care they need.


Our Conclusion

For a pet insurance policy that protects you from unexpected costs and high veterinary bills, we recommend starting with these five companies. For customizable deductibles and coverage for hip dysplasia, get a free quote from Embrace.

If you’re looking for a wide range of covered features and an affordable add-on option for wellness, Lemonade might be right for you.

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.