Lemonade is the best pet insurance company in Arizona for cats and dogs, earning top ratings across both pet categories. Other strong insurance options in the state include AKC, Spot, Pumpkin and Pets Best.
Best Pet Insurance in Arizona
Updated: September 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Arizona, with monthly rates starting at $11. It combines competitive pricing with excellent customer service.
In Arizona, Lemonade provides the cheapest pet insurance for dogs at $63 per month, and Pumpkin has the lowest premiums for cats at $26.
Compare multiple policies and prices to find coverage that matches your pet's needs and your budget.
Best Pet Insurance Companies in Arizona
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | 4.50 | $63 |
| AKC | 4.25 | $81 |
| Pets Best | 4.05 | $76 |
| Rainwalk | 4.00 | $86 |
| ASPCA | 3.80 | $71 |
| Spot | 3.80 | $81 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$63Average Monthly Rate for Cats
$30Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Arizona, while Lemonade and Pets Best are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| Pets Best | 4.35 | $34 |
| AKC | 4.3 | $69 |
| Rainwalk | 4.3 | $60 |
| Lemonade | 4.25 | $38 |
| Spot | 4 | $58 |
Best Pet Insurance by Cat Breed
Our analysis shows AKC dominates the best pet insurance rankings for most cat breeds in Arizona, while Rainwalk stands out as a strong alternative option. Below, you can review which companies are best for your specific cat breed in the state.
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Breed:Abyssinian
| AKC | 4.45 | $52 |
| Rainwalk | 4.45 | $43 |
| Lemonade | 4.35 | $31 |
| Pets Best | 4.3 | $40 |
| Spot | 4.2 | $37 |
Cheapest Pet Insurance in Arizona
In Arizona, Lemonade provides the most affordable dog insurance at $63 per month or $754 per year. For cats, Pumpkin offers the lowest-cost coverage at $26 monthly or $315 annually.
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $63 | $754 | -26% |
| ASPCA | $71 | $855 | -16% |
| Met Life | $74 | $880 | -14% |
| Pets Best | $76 | $917 | -10% |
| Pumpkin | $76 | $918 | -10% |
| Figo | $77 | $931 | -8% |
| AKC | $81 | $973 | -4% |
| Spot | $81 | $975 | -4% |
| Hartville | $82 | $985 | -3% |
| Rainwalk | $86 | $1,029 | 1% |
| Liberty Mutual | $89 | $1,063 | 4% |
| Embrace | $101 | $1,217 | 20% |
| Nationwide | $118 | $1,413 | 39% |
| Fetch | $128 | $1,536 | 51% |
Cheapest Arizona Pet Insurance by Dog Breed
In Arizona, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, with plans starting at $21 monthly.
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Breed:Affenpinscher
| Pets Best | $34 | $409 | -47% |
| Lemonade | $38 | $461 | -41% |
| Pumpkin | $45 | $545 | -30% |
| ASPCA | $50 | $602 | -22% |
| Figo | $54 | $653 | -16% |
Cheapest Arizona Pet Insurance by Cat Breed
In Arizona, Pets Best (13 wins), Pumpkin (8 wins) and Lemonade (7 wins) provide the most affordable coverage across cat breeds. Rates start at $18 per month for standard plans.
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Breed:Abyssinian
| Lemonade | $31 | $368 | -53% |
| Figo | $33 | $397 | -49% |
| Spot | $37 | $446 | -43% |
| Hartville | $38 | $450 | -42% |
| Pets Best | $40 | $475 | -39% |
How Much Is Pet Insurance in Arizona?
Arizona pet insurance costs around $110 monthly for dogs and $55 for cats. These rates run 22% above the national average for dogs and 21% higher for cats.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $55 | $664 | 21% |
| Dog | $110 | $1,316 | 22% |
How to Get the Best Cheap Pet Insurance in Arizona
Finding the best cheap provider and coverage plan in Arizona can be difficult. Here's how to find the best pet insurance for your needs:
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Evaluate Your Pet's Coverage Needs First
Start by listing your pet's health risks and the types of coverage you want. Consider factors like breed-specific conditions and your budget for monthly premiums and deductibles.
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Look for Available Insurance Discounts
Check for savings opportunities like a multi-pet plan or annual payment discounts. Many Arizona insurers offer reduced rates for spayed or neutered pets and military members.
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Check Insurance Company Reviews
Research customer reviews and complaint records for pet insurance providers serving Arizona. Focus on companies with strong reputations for claim payments and customer service.
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Get Multiple Insurance Quotes
Request quotes from at least three pet insurance companies for identical coverage levels. This direct comparison helps ensure you're getting the most competitive rate.
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Review Your Policy Annually
Set a yearly reminder to compare pet insurance rates as premiums often increase with your pet's age. Shopping around each year helps maintain the most affordable coverage.
Best Pet Insurance in Arizona: Bottom Line
Lemonade is our top pick for pet insurance in Arizona, delivering the best coverage for cats and dogs. For budget-conscious pet parents, Pumpkin offers the most affordable cat coverage, while Lemonade leads with competitive rates for dogs. While these providers excel in our analysis, compare options and find coverage that matches your pet's needs.
Pet Insurance in Arizona: FAQ
Here are answers to frequently asked questions about Arizona pet insurance:
What are the best pet insurance companies in Arizona?
Top pet insurance providers in Arizona include Lemonade, Pumpkin, Spot, AKC and Pets Best. These companies offer comprehensive coverage options for pet owners throughout the state.
Which company has the cheapest pet insurance in Arizona?
Pumpkin, Figo and Lemonade consistently offer affordable pet insurance rates in Arizona. Monthly premiums start at $63 for dogs and $26 for cats.
How much is pet insurance in Arizona?
In Arizona, pet insurance costs around $664 annually for cats and $1,316 for dogs. Annual premiums across all pet types can range from $83 to $16,256, depending on coverage and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Arizona
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Arizona residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed July 30, 2025.