Best pet insurance in Arizona in July 2024

Figo has the best pet insurance in Arizona among the pet insurance plans we reviewed. It has several options for annual coverage limit, deductible and reimbursement level, as well as two options for a wellness plan add on.

There are two types of pet insurance available in Arizona from Figo.

Accident and illness plan

• Deductible: $100, $250, $500, $750, $1,000 or $1,500.
• Coverage limits: $5,000, $10,000 or unlimited.
• Reimbursement percentage: 70%, 80%, 90% or 100%.

Wellness plan

Figo offers two levels of optional wellness coverage for pet parents in Arizona. Each plan includes coverage for wellness exams, vaccines, microchipping, deworming, testing, teeth cleaning and spaying or neutering.

You can further customize your Figo pet insurance policy with “powerups” to cover veterinary exam fees and extra care costs. These include rewards and advertising expenses for lost or stolen pets, boarding fees if you are hospitalized, and coverage for final respects.

Figo’s average cost for unlimited accident and illness coverage in Arizona is $66 per month for dogs and $28 per month for cats.

• 5% multi-pet discount.
• 5% military discount.

After almost 2,000 reviews, Trustpilot gives Figo pet insurance a great rating of 4 out of 5 stars. Many pet owners are happy with their Figo coverage and report that claims are paid promptly and customer service is friendly and helpful.

However, some customers are unhappy with age-related rate increases. Many pet insurance companies factor in age for new policy enrollments and renewals because as a pet ages the likelihood of health problems and thus the cost of veterinary care increase.

Healthy Paws is the best pet insurance for unlimited coverage in Arizona. It covers all eligible accident and illness claims based on your reimbursement level with no limit on payouts after you’ve met your deductible. Its unlimited plan for dog insurance is the cheapest in our rating. However, vet fees are not included in coverage and routine pet care coverage through a wellness plan is not available.

Healthy Paws offers Arizona pet parents one type of pet insurance.

Accident and illness plan

• Deductible: $100, $250, $500, $750 or $1,000.
• Coverage limits: Unlimited.
• Reimbursement percentage: 50%, 60%, 70%, 80% or 90%.

The average cost of Healthy Paws unlimited pet insurance coverage for dogs is $53 per month, and for cats, it is $24 per month.

There are no discounts available in Arizona from Healthy Paws. But if you refer a friend and they use your unique link to purchase a Healthy Paws policy, the insurer will donate $25 in your name to the Healthy Paws Foundation.

Healthy Paws has an excellent Trustpilot rating, earning the pet insurer 4.4 out of 5 stars after close to 2,300 reviews.

Although many reviewers are happy with the customer service and claims process, noting how fast and easy it is, some voiced frustration with the cancellation process and claim denials for pre-existing conditions or routine care, which Healthy Paws does not cover.

Lemonade has the best pet insurance in Arizona for fast claims processing. Around 40% of claims are processed instantly, thanks to Lemonade’s AI claims bot. If the algorithm doesn’t approve a claim immediately, a claims handler will manually process it, which should only take a few days. Many competitors take five days or more to process and pay claims.

Lemonade offers two types of pet insurance in Arizona.

Accident and illness plan

• Deductible: $100, $250, $500 or $750.
• Coverage limits: $5,000, $10,000, $20,000, $50,000 or $100,000.
• Reimbursement percentage: 70%, 80% or 90%.

Wellness plan

Lemonade offers a preventive care package for puppies and kittens with two wellness exams, six vaccines, two fecal and parasite tests, spay or neuter coverage, microchipping, heartworm or FeLV/FIV testing and bloodwork coverage.

You can also choose from two levels of a preventive care wellness plan for cats and dogs. These plans cover routine expenses similar to the kitten and puppy package but with only one wellness exam and test and three vaccines per year.

Lemonade’s average cost for dog insurance in Arizona with unlimited coverage is $57 per month. Cat insurance in Arizona costs an average of $32 per month.

• 10% bundle discount.
• 5% multi-pet discount.
• 5% annual pay discount.

Lemonade has an excellent rating with Trustpilot, earning 4.4 out of 5 stars after almost 2,000 reviews. This rating is for all insurance products Lemonade offers, not just pet insurance.

While most Lemonade pet insurance reviews are positive, some customers express difficulty with claim denials for pre-existing conditions like diarrhea. Pet insurers consider this a curable pre-existing condition they will cover after your pet has gone a specific time without signs, symptoms or treatment. Lemonade’s pre-existing condition waiting period for curable medical conditions is 12 months.

Paw Protect is the best pet insurance in Arizona for policy extras, based on our coverage analysis. A Paw Protect accident and illness policy provides extra benefits like coverage for preventable conditions, service animals, mobility devices, alternative and behavioral therapies, pet telehealth, vet exam fees and end-of-life expenses.

Accident and illness plan

• Deductible: $100, $250 or $500.
• Coverage limits: $5,000, $10,000 or unlimited.
• Reimbursement percentage: 70%, 80% or 90%.

Wellness plan

Paw Protect offers three annual reimbursement levels for its wellness plan: $250, $450 or $650. This optional add-on will cover your pet’s routine care expenses like training, prescription diet food, nutritional supplements, grooming, wearable pet activity monitors, gastropexy and anal gland expression.

A Paw Protect accident and illness plan with unlimited annual coverage costs $79 per month for dogs and $34 per month for cats.

• 10% multi-pet discount.
• 5% active and retired military discount.

Trustpilot gives Paw Protect a poor rating of 2 out of 5 stars after 14 reviews. Almost all negative comments concern claim denials or partial payouts. For example, one reviewer stated that their dog’s claim was denied for a left leg issue because the dog had the same issue on the right leg.

Bilateral conditions — which can affect both sides of the body, like hip dysplasia or luxating patellas — are common exclusions on pet insurance policies. Be sure to carefully read your policy coverage and exclusions to understand what’s covered and what’s not.

Pets Best has the best pet insurance for cats and kittens in Arizona, based on our rate analysis. The average cost of pet insurance is $42 per month for cats and $38 per month for kittens for an unlimited coverage plan with a $250 deductible and an 80% reimbursement percentage. The same plan with $5,000 annual coverage is $38 per month for cats or $34 for kittens.

Pets Best offers customizable coverage with a short accident waiting period and two levels of wellness plan coverage to help keep your cat or dog healthy.

Accident and illness plan

• Deductible: $50, $100, $200, $250, $500 or $1,000.
• Coverage limits: $5,000 or unlimited.
• Reimbursement percentage: 70%, 80% or 90%.

Wellness plan

Pets Best offers two levels of routine care coverage for your cat, kitten, dog or puppy in Arizona. The EssentialWellness plan provides up to $305 in annual benefits, while the Best Wellness plan provides up to $535. Each plan covers preventive care veterinary expenses such as vaccinations, microchipping, blood work, dental cleanings, wellness exam fees and spaying or neutering.

The average cost of Pets Best pet insurance for cats with unlimited coverage is $42 per month in Arizona. The same coverage is $73 per month for dogs.

• Multi-pet discount.
• Qualifying veterinary staff discount.

After close to 4,600 reviews, Trustpilot gives Pets Best a great rating, earning 4 out of 5 stars. Many reviewers are happy with the customer service and speed of claims processing and payouts. Others express frustration with the speed of the claims process and denials.

It’s important to read your policy carefully to understand what’s covered and how the claims process works to limit surprises after submitting a claim that’s denied or only partially covered.

Embrace is the best pet insurance for older dogs and cats in Arizona, based on rates and age limits. The average cost of an Embrace accident and illness policy for dogs is $93 per month for a 7-year-old dog with an 80% reimbursement rate and $250 deductible. The same plan for a 7-year-old cat is $70 per month.

Embrace doesn’t have an upper age limit, but pets 15 years and older at enrollment are only eligible for an accident-only insurance policy. Although Embrace has a 6-month waiting period for orthopedic conditions, you can lower it to 14 days if your vet examines your pet and gives it a clean bill of orthopedic health within 14 days of purchasing the policy.

Embrace offers two types of pet insurance in Arizona.

Accident and illness plan

• Deductible: $100, $250, $500, $750 or $1,000.
• Coverage limits: $5,000, $8,000, $10,000, $15,000 or unlimited.
• Reimbursement percentage: 70%, 80% or 90%.

Wellness plan

Embrace will cover up to $650 in annual expenses for your pet’s routine care. Covered expenses include veterinary exam fees, vaccinations, preventive treatments, spaying or neutering, medicated shampoos and prescription diet food.

The average cost of an Embrace accident and illness policy in Arizona is $78 per month for dogs and $54 per month for cats.

• 5% active and retired military member discount.
• 10% multi-pet discount.
• Discount if you choose annual billing.

After almost 4,000 reviews, Embrace has a great rating with Trustpilot, earning 4.1 out of 5 stars. Many are happy with the customer support they’ve received and the fast and easy claims process, but others are frustrated with denials for things they think should be covered and repeatedly having to provide claim documents.

When purchasing a new pet insurance policy, it’s important to understand what it doesn’t cover, such as pre-existing conditions, and what waiting periods are in your state before you take your pet to the veterinarian.