Pet Insurance in Arizona: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Are you looking for pet insurance in Arizona? MoneyGeek analyzed policy details, coverage options, and thousands of quotes to help you find the best pet insurance company in Arizona with affordable rates.

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Last Updated: 3/13/2022
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Having the best pet insurance in Arizona ensures that your pet gets good medical care in case of an injury, accident or illness. With a pet insurance policy, you won’t have to worry about hefty veterinarian bills and can focus on your pet’s health and recovery.

For this guide, MoneyGeek got pet insurance quotes from the major cities in Arizona, including Phoenix, Chandler, Gilbert and Tucson, to help you find a policy that fits your needs and budget. To find the best deals, you should always shop around and compare quotes and policy options from different pet insurance providers.

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The Best Pet Insurance Companies in Arizona

MoneyGeek researched the best pet insurance company in Arizona by analyzing thousands of pet insurance quotes from different providers across many different locations in the state. We also documented policy and coverage details for companies offering pet insurance in Arizona. MoneyGeek selected the best pet insurance companies in Arizona for their affordability and the policy options they offer that pet owners want and need.

Best Overall Pet Insurance in Arizona for Your Pet

Pets Best

pros

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Customizable pet insurance policies

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Wide range of deductibles

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Offers 24/7 telehealth helpline

cons

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No end-of-life expense coverage

COMPANY HIGHLIGHTS

MoneyGeek’s research shows that overall, the best pet insurance company in Arizona is Pets Best. It offers customizable pet insurance plans that fit your budget and needs. On average, it costs $32.14 per month for a Pets Best pet insurance policy in Arizona.

With Pets Best, you can customize your pet insurance plan according to your needs and set the maximum annual limit, deductible and reimbursement rate. The annual benefit limit can either be $5,000 or unlimited, while the deductible ranges from $50 to $1,000.

A policy from Pets Best can cover accidents, injuries, illnesses, emergency care, surgeries, hospitalization, prescription medicine, chronic conditions, exam fees, dental issues and more services. However, Pets Best pet insurance does not cover any pre-existing conditions.

The company has no upper age limit for enrollment, which makes it the best option for you if you have senior pets.

Best Pet Insurance Company in Arizona: Unlimited Coverage

Pets Best

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Two wellness add-ons

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Offers direct vet reimbursement

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Has convenient online tools

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Limited annual limit options

COMPANY HIGHLIGHTS

If you don’t want to worry about reaching the annual limit of your pet insurance policy, a policy with unlimited coverage is the best option for you. MoneyGeek’s research shows that Pets Best is ideal for people who want an unlimited coverage pet insurance policy in Arizona. The average cost of a Pets Best unlimited coverage pet insurance policy is $40.67 per month.

Pets Best allows you to select a policy that fits your needs and budget by offering many customization options. You can choose a deductible and reimbursement level of either 70%, 80% or 90% to complement your unlimited annual limit. The company offers three types of plans — Essential, Plus and Elite — that could cover accidents, illnesses, chronic conditions, cancer and much more.

However, these plans do not cover any wellness or non-medical expenses. For those expenses, Pets Best offers two wellness add-ons to handle deworming, wellness exams, microchipping, spaying, neutering and preventive treatments.

Best Pet Insurance Company in Arizona: Affordable Coverage

Pets Best

pros

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Offers customizable pet insurance plans

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Offers multiple types of discounts

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No upper age limit for enrollment

cons

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Limited annual benefit options

COMPANY HIGHLIGHTS

MoneyGeek researched affordable pet insurance in Arizona for people who want to save money on pet insurance while ensuring their pet has access to quality medical care in case of an emergency. Our research shows that Pets Best is the best option for an affordable coverage pet insurance policy in Arizona. On average, it costs $23.61 per month for this policy.

Pets Best helps you save money on pet insurance in Arizona by offering different types of discounts, such as a discount when insuring multiple pets, a military discount and a discount on enrolling your pet in a policy 24 hours after a vet exam. The company offers two wellness plans — EssentialWellness and BestWellness — that help you pay for routine care like vaccines, wellness exams, microchipping, deworming and blood work.

With Pets Best, you can customize your insurance premium by adjusting the deductible, maximum annual limit and reimbursement level.

Best Pet Insurance Company in Arizona: Multiple Pets

Pets Best

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Offers affordable rates

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Has a 24/7 telehealth pet helpline

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Offers multiple discounts

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End-of-life expense coverage is not available

COMPANY HIGHLIGHTS

If you have multiple pets in your Arizona home and want a pet insurance policy that covers all of them, MoneyGeek’s research shows that Pets Best is the best option. The average cost of a multiple pets insurance policy in Arizona is $28.92 per month from Pets Best.

Pets Best offers a 5% discount when insuring more than one pet on the same policy. The company also offers many other discounts, like a military discount and a discount when enrolling a pet in a policy within 24 hours of a veterinary exam.

Since Pets Best does not have an upper age limit, it is the best option if you have senior pets in your household. But, the company does not cover any pre-existing conditions; however, it has the EssentialWellness and BestWellness plans to add to a policy. These plans help you pay for grooming, spaying, neutering, vaccines, microchipping and much more.

Best Pet Insurance Company in Arizona: Cats

Embrace

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Offers free medical history review

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Offers multiple discounts

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Does not have a lifetime maximum payout limit

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Offers limited wellness benefits

COMPANY HIGHLIGHTS

MoneyGeek analyzed the best pet insurance companies in Arizona for cat owners. We found that Embrace is an excellent choice for an insurance policy for a cat. The average cost of a cat pet insurance policy from Embrace in Arizona is $20.48 per month.

A policy from Embrace covers congenital and genetic conditions, dental illnesses, chronic conditions, cancer testing and treatment, hospitalizations and emergency care, surgeries, prescription medicines, and more important services for your cat.

Embrace also offers an accident-only policy; however, an accident-only policy won’t provide you coverage for common illnesses. You can also add a routine wellness plan to your cat insurance policy to cover wellness exam fees, nutritional supplements, spaying/neutering, prescription diet food and much more.

The best feature that Embrace offers for cat insurance is that for every year you go without filing a claim, your deductible is reduced by $50.

Best Pets Insurance in Arizona Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $32
  • Unlimited Coverage
    Pets Best
    $41
  • Affordable Coverage
    Pets Best
    $24
  • Multiple Pets
    Pets Best
    $29
  • Cats
    Embrace
    $20

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Arizona?

The average cost of pet insurance in Arizona varies for dogs and cats. Your pet’s breed, age, location and policy coverage limits all affect it.

For a dog insurance policy in Arizona, the average cost is $32.59 per month with a $5,000 yearly limit, $58.96 per month for a $10,000 annual coverage limit, and $67.38 per month for unlimited coverage.

For a cat insurance policy in Arizona, it costs an average of $17.48 per month for a $5,000 annual limit, $29.65 per month for a $10,000 yearly coverage limit, and $42.05 per month for a policy with unlimited coverage.

Average Monthly Cost of Pet Insurance in Arizona

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $33
    $59
    $67
  • Average Cost for a Cat
    $17
    $30
    $42
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HOW MUCH PET INSURANCE DO YOU NEED IN ARIZONA?

MoneyGeek recommends a $5,000 to $10,000 annual coverage limit and a reimbursement rate of 80% or more for the average pet insurance buyer in Arizona. With a coverage limit within this range for your pet insurance policy, the cost of veterinary services, if your pet gets into an accident, should not be a concern. Instead, you can focus on the recovery of your pet.

Compare the Cheapest Pet Insurance Quotes in Arizona

MoneyGeek wants to help buyers in Arizona understand what options they can expect most companies in Arizona to offer for pet insurance policies:

  • Annual reimbursement limits can range from $3,000 to unlimited
  • The deductible is often $250 to $500 but can be higher or lower, depending on the company
  • Bill reimbursement percentage is between 70-90%

Some pet owners in Arizona will look for less expensive pet insurance with lower coverage amounts to make the cost easier on their monthly expenses or because they don’t feel their pet needs much insurance coverage.

Then there are pet owners in Arizona who want a high pet insurance coverage limit to ensure the maximum protection for their pet. These policies, such as unlimited coverage, are generally more expensive, and the average pet owner may not need that much protection. But, if you don’t want to worry about veterinary expenses, an unlimited policy could be best.

MoneyGeek generally recommends the average coverage amount below for a pet insurance policy in Arizona.

Cheapest Pet Insurance in Arizona by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pet Plan
    $29
  • $10,000
    Figo
    $45
  • Unlimited
    Pets Best
    $41

To help you find affordable pet insurance in Arizona, MoneyGeek researched the companies in Arizona offering a low coverage policy with a $5,000 annual limit, $500 deductible and 80% reimbursement rate. In addition to the cheapest low coverage pet insurance policy in Arizona options, we found the cheapest average and unlimited coverage.

Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pet Plan
    $29
  • Figo
    $29
  • Hartville
    $33
  • ASPCA
    $33
  • Spot
    $33
  • GEICO
    $36
  • Embrace
    $36
  • 24 Pet Watch
    $42
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • Figo
    $45
  • GEICO
    $53
  • Embrace
    $53
  • 24 Pet Watch
    $56
  • ASPCA
    $61
  • Hartville
    $61
  • Spot
    $61
  • Nationwide
    $68
  • Pumpkin
    $72
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $41
  • Healthy Paws
    $49
  • Figo
    $62
  • Trupanion
    $71
  • Pet Plan
    $83
  • Spot
    $99

The Best Cheap Pet Insurance by City in Arizona

Generally, where you live has a significant impact on the cost of pet insurance. In Arizona, there are certain cities with a higher cost of living, so veterinary costs are also higher. As a result, the price of pet insurance is more than somewhere else. Arizona cities with a higher probability of a pet getting injured due to high traffic density, weather or other hazards may also have higher pet insurance costs. The cost of a pet insurance policy also depends on the policy coverage limit. With MoneyGeek’s analysis, you can find cheap pet insurance in any Arizona city.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Chandler
    $5k: Pets Best, $27
    Unlimited: Pets Best, $46
    $10k: Figo, $52
  • Gilbert
    $5k: Pets Best, $27
    Unlimited: Pets Best, $46
    $10k: Figo, $52
  • Glendale
    $5k: Pets Best, $21
    Unlimited: Pets Best, $37
    $10k: Figo, $39
  • Mesa
    $5k: Pet Plan, $25
    Unlimited: Healthy Paws, $45
    $10k: Figo, $52
  • Peoria
    $5k: Pets Best, $21
    Unlimited: Pets Best, $37
    $10k: Figo, $39

MoneyGeek used city-based data in Arizona by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.

What Factors Impact Pet Insurance Cost in Arizona?

MoneyGeek’s research shows that factors like your pet’s age, breed, location and policy coverage limit have a significant impact on the cost of pet insurance in Arizona. Below, we break down the common factors that affect pet insurance premiums to help you understand them better.

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    Annual reimbursement limit

    This is the maximum amount of money your insurance company will pay you back in a 12-month policy period.

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    Deductible

    The deductible is the portion of veterinary bills you have to cover before your policy pays anything. With a lower deductible, you pay a higher insurance premium every month.

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    Bill reimbursement percentage

    The percentage is the amount of a vet bill the insurance company covers after you meet the deductible. If you have a policy with a 70% reimbursement rate and a $1,000 vet bill, you pay $300, and the insurance pays $700.

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    Breed

    A pet’s breeds may make them more likely to develop health conditions; an insurance company considers that when giving a pet insurance quote.

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    Animal age

    Senior pets are more likely to develop serious health conditions, so pet insurance costs more for them.

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    Location

    The cost of living and risk of pet injury because of weather, traffic or other hazards in a city can affect pet insurance costs.

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    Multi-pet discount

    Insuring more than one pet on a policy may provide you with a discount.

FAQ’s About Pet Insurance in Arizona

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet’s needs.

To determine the best pet insurance companies in Arizona, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Arizona and affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Arizona for four pet types with the following coverage levels:

  • Low coverage: $5,000 coverage, $500 deductible, 80% reimbursement
  • Average coverage: $10,000 coverage, $250 deductible, 80% reimbursement
  • High coverage: Unlimited coverage, $250 deductible, 90% reimbursement

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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