Best Pet Insurance in Arizona (AZ)

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.

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.

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.

• 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’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.

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’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.

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 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.

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.

• 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 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.

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.

Learn More: Fetch Pet Insurance Reviews

• 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’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.