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: November 13, 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
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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 Points
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 ranks highest for most dog breeds in Arizona, while Lemonade and Pets Best lead for certain breeds. The list below shows which companies offer the best options for your dog in the state.
Data filtered by:
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.
Data filtered by:
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:
Dog
Middle Aged
$5,000
80%
$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.
Data filtered by:
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.
Data filtered by:
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.
Data filtered by:
$5,000
$500
80%
| Cat | $55 | $664 | 21% |
| Dog | $110 | $1,316 | 22% |
How to Get the Best Cheap Pet Insurance in Arizona
Looking for an affordable provider and the right coverage in Arizona feels overwhelming at times. Here are a few steps to help you find the best pet insurance:
- 1Understand Your Pet’s Coverage Needs
List your pet’s health risks and the types of coverage you prefer. Think about breed-related issues and what you’re comfortable paying each month for premiums and deductibles.
- 2Look for Pet Insurance Discounts
Explore discounts like multi-pet plans or savings for paying annually. Many Arizona providers also offer lower rates for military members and pets that are spayed or neutered.
- 3Review Company Feedback
Check customer reviews and complaint records for insurers that serve Arizona. Give extra attention to companies known for reliable claim payments and good customer service.
- 4Compare Quotes from Several Providers
Get quotes from at least three companies using the same coverage details. Seeing the prices side-by-side helps you spot the best deal.
- 5Revisit Your Policy Every Year
Plan to check your policy each year before renewal since premiums often rise as pets age. Comparing options regularly helps you keep your coverage affordable.
Best Pet Insurance in Arizona: Bottom Line
Lemonade is our top pick for pet insurance in Arizona because it offers solid coverage for both cats and dogs. If you're trying to save on cat insurance, Pumpkin has the lowest prices, while Lemonade offers the best rates for dogs. Even with these standouts, take time to compare plans so you can choose the one that fits 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed July 30, 2025.