Lemonade is the best pet insurance company in Arkansas for cats and dogs. For those seeking alternatives, AKC, Pumpkin, Pets Best, Rainwalk and Figo provide strong coverage options in the state.
Best Pet Insurance in Arkansas
Updated: September 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
AKC and Lemonade tie for offering the best pet insurance in Arkansas, with plans starting at $6 per month. They offer a balance of competitive pricing and excellent customer service.
In Arkansas, Lemonade provides the cheapest pet insurance for dogs at $35 per month, and Pumpkin has the lowest premiums for cats at $14.
Compare multiple insurance providers and policy options to find coverage that matches both your pet's needs and your budget.
Best Pet Insurance Companies in Arkansas
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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
| AKC | 4.50 | $42 |
| Lemonade | 4.50 | $35 |
| Pets Best | 4.15 | $42 |
| Rainwalk | 4.15 | $47 |
| Figo | 3.80 | $43 |
| Pumpkin | 3.80 | $42 |
| ASPCA | 3.70 | $43 |
| Spot | 3.45 | $56 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$35Average Monthly Rate for Cats
$17Overall 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 Arkansas, 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
| AKC | 4.35 | $36 |
| Pets Best | 4.35 | $19 |
| Rainwalk | 4.35 | $33 |
| Lemonade | 4.3 | $21 |
| Fetch | 3.95 | $32 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Arkansas, providing comprehensive coverage and reliable protection. Below, you can review which companies are best for your cat in the state.
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Breed:Abyssinian
| AKC | 4.55 | $27 |
| Rainwalk | 4.45 | $25 |
| Lemonade | 4.35 | $17 |
| Pets Best | 4.3 | $22 |
| Spot | 4.15 | $25 |
Cheapest Pet Insurance in Arkansas
In Arkansas, Lemonade offers the cheapest pet insurance for dogs at $35 per month or $415 per year. For cats, Pumpkin provides the most affordable coverage at $14 monthly or $173 annually.
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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 | $35 | $415 | -31% |
| AKC | $42 | $499 | -17% |
| Pets Best | $42 | $505 | -16% |
| Pumpkin | $42 | $506 | -16% |
| Figo | $43 | $515 | -15% |
| ASPCA | $43 | $515 | -15% |
| Met Life | $45 | $543 | -10% |
| Rainwalk | $47 | $560 | -7% |
| Hartville | $51 | $611 | 1% |
| Liberty Mutual | $53 | $644 | 7% |
| Embrace | $56 | $665 | 10% |
| Spot | $56 | $665 | 10% |
| Fetch | $70 | $846 | 40% |
| Nationwide | $81 | $974 | 61% |
Cheapest Arkansas Pet Insurance by Dog Breed
In Arkansas, Lemonade, Pumpkin and Pets Best provide the most affordable pet insurance coverage for dogs, with plans starting at $11 monthly.
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Breed:Affenpinscher
| Pets Best | $19 | $225 | -51% |
| Lemonade | $21 | $254 | -45% |
| Pumpkin | $25 | $300 | -35% |
| Figo | $30 | $361 | -22% |
| ASPCA | $30 | $365 | -21% |
Cheapest Arkansas Pet Insurance by Cat Breed
In Arkansas, Pets Best (13 wins), Pumpkin (8 wins) and Lemonade (7 wins) offer the most affordable coverage across cat breeds. Rates start at $10 per month for standard plans.
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Breed:Abyssinian
| Lemonade | $17 | $203 | -56% |
| Figo | $18 | $218 | -53% |
| Pets Best | $22 | $262 | -43% |
| Pumpkin | $24 | $279 | -40% |
| Hartville | $24 | $288 | -38% |
How Much Is Pet Insurance in Arkansas?
Arkansas pet insurance costs around $61 monthly for dogs and $31 for cats. Arkansas offers more affordable coverage than most regions, with rates running 33% below the national average for dogs and 32% lower for cats.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $31 | $370 | -32% |
| Dog | $61 | $726 | -33% |
How to Get the Best Cheap Pet Insurance in Arkansas
Finding the best cheap provider and coverage plan in Arkansas 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 future medical needs. Consider breed-specific conditions and your pet's age to determine the right coverage level.
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Look for Available Insurance Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Check for additional discounts like military member rates or wellness program savings.
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Check Insurance Company Track Records
Research customer reviews and claim payment histories of different pet insurance providers. Focus on companies with strong financial ratings and positive customer feedback in Arkansas.
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Get Multiple Insurance Quotes
Request quotes from at least three different pet insurance companies for similar coverage levels. Make sure to compare deductibles, coverage limits and exclusions when reviewing quotes.
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Review Your Policy Annually
Set a yearly reminder to check for better rates and coverage options. Pet insurance costs often increase as pets age, so comparing providers annually helps maintain affordable coverage.
Best Pet Insurance in Arkansas: Bottom Line
Lemonade is our top pick for pet insurance in Arkansas, with AKC also showing strong performance for dog coverage. For the most budget-friendly options, Pumpkin leads for cat insurance while Lemonade offers the most affordable dog coverage. Compare multiple providers and coverage options to find the right fit for your pet's needs.
Pet Insurance in Arkansas: FAQ
Here are answers to frequently asked questions about Arkansas pet insurance:
What are the best pet insurance companies in Arkansas?
Leading pet insurance providers in Arkansas include Lemonade, AKC, Pumpkin, Figo, Pets Best and Rainwalk. These companies offer comprehensive coverage options for your furry family members.
Which company has the cheapest pet insurance in Arkansas?
Pumpkin, Figo and Lemonade consistently offer affordable pet insurance rates in Arkansas. Monthly premiums start at $35 for dogs and $14 for cats.
How much is pet insurance in Arkansas?
In Arkansas, pet insurance costs around $370 annually for cats and $726 for dogs. Annual premiums across the state can range from $46 to $8,953, depending on coverage options and pet characteristics.
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 Arkansas
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Arkansas 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 September 13, 2025.