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5 Best Pet Insurance Companies in Arkansas (2021)

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.

Arkansas’s Top 5 Pet Insurance Providers

  • Lemonade: Best Overall
  • Prudent Pet: Most Comprehensive Plan
  • Healthy Paws: Best Coverage Limit
  • Embrace: Best Deductibles
  • Pawp: Best Holistic Coverage


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 C 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 preventative care, physical therapy, and vet exam fees. Preventative 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.

Lemonade Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Weimaraner Dog - Chihuahua Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Weimaraner Dog - Chihuahua Cat - Domestic Medium Hair
Accident and illness plan $16.42 $26.92 $13.58 $11
Accident and illness plan with preventative care $32.42 $42.92 $29.58 $11.33
Accident and illness plan with vet visit fees and physical therapy $20.67 $34.08 $17.08 $21

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 preventative costs and a veterinary exam fee add-on that covers exam and diagnostic test fees from vet visits.

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

Prudent Pet Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Weimaraner Dog - Chihuahua Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Weimaraner Dog - Chihuahua Cat - Domestic Medium Hair
Accident-Only Plan $9.42 $16.15 $7.90 $5.65
Essential Plan $21.41 $36.70 $17.94 $12.84
Ultimate Plan $28.32 $48.54 $23.73 $15.31

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 preventative 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.

Pre-existing conditions, wellness and preventative care, exam fees, dental care, and special diets are excluded from coverage.

Healthy Paws Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Weimaraner Dog - Chihuahua Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Weimaraner Dog - Chihuahua Cat - Domestic Medium Hair
Accident and illness plan $30.65 $45.68 $21.01 $12.09


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 preventative care, anal gland expression, microchipping, medicated shampoos, cremation and burial, and more.

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

Embrace Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Weimaraner Dog - Chihuahua Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Weimaraner Dog - Chihuahua Cat - Domestic Medium Hair
Accident and Illness Plan $27.84 $53.99 $20.64 $16.36
Accident and Illness Plan with Wellness Rewards Plan $35.42 $89.41 $56.06 $51.78


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

✔ Pre-existing 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 $19 per month. This price is consistent regardless of your furry friend’s breed, size, age, or medical history.

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.

Frequently Asked Questions

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 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 mandatory?

No, pet insurance isn’t mandatory, 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. 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 Lemonade Prudent Pet Healthy Paws Embrace Pawp
Provider Lemonade Prudent Pet Healthy Paws Embrace Pawp
Get a quote
Our score 96 95 93.5 93.5 91.5
Sample premium* $16.42 $24.41 $30.65 $27.84 $19
Plans and add-ons 3 5 1 2 1
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 14 days for 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+ NR

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

**Based on scores pulled from each company’s BBB profile as of October 18, 2021.

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.

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