With the best pet insurance in Arkansas, you won't have to worry about medical bills if your pet has an unexpected vet visit. You can provide your pet with the best medical care despite their health condition without having to decide if you can afford treatment. Generally, the cost of pet insurance in Arkansas depends on various factors, such as the pet's age, breed, location and policy coverage limit.

MoneyGeek analyzed pet insurance quotes in Arkansas from cities like Fayetteville, Fort Smith and Little Rock to help you find the best policy according to your pet's needs.

The Best Pet Insurance Companies in Arkansas

MoneyGeek determined the best pet insurance company in Arkansas by analyzing thousands of quotes from many different insurance providers across different locations in Arkansas and documented the companies’ pet insurance policies and coverage details. MoneyGeek chose the best pet insurance company in Arkansas on the basis of affordability and policy options. To get the best pet insurance policy, according to your needs, it’s a good idea to get pet insurance quotes from different companies and compare them to find the best deal.

Best Overall Pet Insurance in Arkansas for Your Pet

Pets Best

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Two wellness add-ons

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Offers customizable plans

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24/7 telehealth service

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Limited annual limit options

COMPANY HIGHLIGHTS

MoneyGeek found that, overall, the best pet insurance company in Arkansas is Pets Best since it offers affordable pet insurance policies with a variety of customization options. On average, it costs $24.65 per month to buy a pet insurance policy in Arkansas from Pets Best.

Pets Best offers customizable pet insurance plans, meaning you can set your annual benefit limit, deductible and reimbursement rate (70%, 80% or 90%). That helps you choose a policy that fits your budget and needs. Generally, Pets Best pet insurance covers accidents, injuries, illnesses, chronic conditions, emergency care and much more. It does not cover pre-existing conditions.

For routine care and wellness, the company offers two wellness plans — EssentialWellness and BestWellness — which you can add to your pet insurance policy in Arkansas for an additional cost.

If you have senior pets, it’s good to buy a policy from Pets Best as it does not have an upper age limit on enrollment.

Best Pet Insurance Company in Arkansas: Unlimited Coverage

Pets Best

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Broad range of deductibles

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No upper age enrollment limit

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Rehabilitation coverage on the Elite plan

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Does not cover end-of-life expenses

COMPANY HIGHLIGHTS

If you want to provide your pet with the best medical care without worrying about reaching the annual limit, it’s best to get an unlimited annual limit policy in Arkansas. MoneyGeek’s research shows that Pets Best offers the best unlimited coverage pet insurance in Arkansas. The average cost of an unlimited coverage policy from Pets Best is $31.18 per month.

With Pets Best, you only pay according to the policy structure you select, even with an unlimited coverage policy, and the company does not increase the insurance premium after you file a claim. It also offers multiple discounts, such as a discount on enrolling more than one pet and a military discount.

While a policy from Pets Best won’t cover pre-existing conditions and any non-medical expenses, the company offers two wellness policy add-ons that help you pay for vaccines, wellness exams, deworming, rabies, blood work and microchipping.

Best Pet Insurance Company in Arkansas: Affordable Coverage

Figo

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Offers Pet Cloud app to connect you to a vet 24/7

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Offers a 30-day money-back guarantee

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Does not have a maximum enrollment age

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Does not cover exam fees

COMPANY HIGHLIGHTS

To help you find cheap pet insurance in Arkansas, MoneyGeek analyzed the most affordable pet insurance policies in the state. The research shows that Figo is the best option for pet owners who want an affordable pet insurance policy. On average, it costs $17.63 per month to buy a policy from Figo in Arkansas.

Figo’s pet insurance policies usually cover surgeries, orthopedic conditions, prescription medicine, emergency care and hospitalizations, imaging, chronic conditions and cancer.

The company also offers wellness plans which you can add for an additional cost that cover vaccinations, blood work, spaying, neutering, boarding fees, cremation and burial expenses and more.

Figo does not cover pre-existing conditions; however, if the condition is curable and your pet hasn’t displayed any of its symptoms for the past 12 months, the policy covers it.

Best Pet Insurance Company in Arkansas: Multiple Pets

Pets Best

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Offers direct vet reimbursement

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Two wellness add-ons

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Offers convenient online tools

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Limited online benefit options

COMPANY HIGHLIGHTS

MoneyGeek researched the best pet insurance companies in Arkansas for pet owners who own more than one pet. The research shows that Pets Best is the most suitable option for you if you want to insure multiple pets in your Arkansas home. The average cost of a multiple pets insurance policy with Pets Best is $22.18 per month in Arkansas.

With a Pets Best multiple pets insurance policy, you are eligible for a 5% discount. The company offers customizable insurance plans, which means you can select your annual limit, deductible and reimbursement rate. That way, you select a policy according to your budget and needs.

You can also add a wellness plan to your multiple pet policy to cover vaccines, wellness exams, deworming, rabies, blood work, microchipping and more.

Best Pet Insurance Company in Arkansas: Cats

GEICO

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Offers multiple discounts

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Covers curable pre-existing conditions

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Its policies may cost more than other insurers on average in major cities

COMPANY HIGHLIGHTS

If you’re a cat owner in Arkansas, MoneyGeek found that GEICO pet insurance would be the best option for you. As an FYI, Embrace administers GEICO’s pet insurance policies. On average, it costs $11.55 per month for a cat pet insurance policy in Arkansas from GEICO.

GEICO pet insurance policies are quite flexible; the company allows you to select your deductible and maximum annual limit. The deductible can range from $200 to $1,000, while the annual limit ranges from $5,000 to $30,000.

With a cat insurance policy from GEICO, you have coverage for preventive and prescription medicine, and the company gives the option of covering curable pre-existing conditions. The curable pre-existing conditions that GEICO’s cat pet insurance plans cover are respiratory infections, urinary tract and bladder infections, vomiting, diarrhea, and other gastrointestinal disorders, to name a few.

You can also add a wellness plan to your GEICO cat policy, covering routine vet visits, grooming, microchipping, teeth cleaning, prescription diet food, vaccinations and more.

Best Pets Insurance in Arkansas Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $25
  • Unlimited Coverage
    Pets Best
    $31
  • Affordable Coverage
    Figo
    $18
  • Multiple Pets
    Pets Best
    $22
  • Cats
    GEICO
    $12

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

The cost of pet insurance in Arkansas varies depending on your pet’s breed, age, city, policy coverage amount and other important factors. MoneyGeek’s data shows that on average in Arkansas, it costs $22.83 per month to insure a dog for a yearly $5,000 coverage limit, $42.06 per month for a $10,000 annual coverage limit, and $41.94 per month for an unlimited coverage policy.

For a cat in Arkansas, it costs an average of $12.22 per month to buy a policy with a $5,000 annual coverage limit, $21.16 per month for a $10,000 yearly coverage limit, and $29.05 per month for an unlimited coverage policy.

Average Monthly Cost of Pet Insurance in Arkansas

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $23
    $42
    $42
  • Average Cost for a Cat
    $12
    $21
    $29
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HOW MUCH PET INSURANCE DO YOU NEED IN ARKANSAS?

For the average pet insurance buyer in Arkansas, MoneyGeek recommends a $3,000 to $8,000 annual coverage limit and a reimbursement rate of 80% or more. It’s best to get a policy with this coverage if you want your pet to have access to the medical care it needs without it putting a financial burden on you.

Compare the Cheapest Pet Insurance Quotes in Arkansas

MoneyGeek wants to help pet owners in Arkansas understand the options most often available from companies in Arkansas that offer pet insurance:

  • Annual reimbursement limits: Can range from $3,000 to unlimited
  • Deductible: Often $250 to $500, but could be higher or lower
  • Bill reimbursement percentage: Usually 70-90%

There are pet owners in Arkansas who want a less expensive pet insurance policy because it’s more budget-friendly, or they don’t think their pet needs a lot of coverage. Other pet owners in Arkansas want a policy with high coverage limits (even unlimited) for the maximum protection of their pet. Unlimited policies are generally more expensive, and the average pet owner may not need such protection. However, those who want their pet protected to the fullest do choose them.

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

Cheapest Pet Insurance in Arkansas by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Figo
    $18
  • $10,000
    Figo
    $27
  • Unlimited
    Pets Best
    $31

MoneyGeek researched pet insurance companies in Arkansas to find the cheapest options for various policy types, like a low-coverage policy with a $5,000 yearly limit, $500 deductible and an 80% reimbursement rate.

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

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Figo
    $18
  • Pets Best
    $18
  • Pet Plan
    $20
  • Embrace
    $21
  • Spot
    $24
  • Hartville
    $24
  • ASPCA
    $24
  • 24 Pet Watch
    $36
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • Figo
    $27
  • GEICO
    $29
  • Embrace
    $29
  • ASPCA
    $45
  • Hartville
    $45
  • Spot
    $45
  • 24 Pet Watch
    $48
  • Pumpkin
    $53
  • Nationwide
    $56
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $31
  • Healthy Paws
    $31
  • Trupanion
    $39
  • Figo
    $39
  • Pet Plan
    $40
  • Spot
    $72

The Best Cheap Pet Insurance by City in Arkansas

Your location in Arkansas can have a significant impact on the cost of pet insurance. In Arkansas, some cities have a higher cost of living, which causes veterinary costs to be higher — translating into higher policy costs. Different cities also pose different hazards, like high traffic density or weather, that put your pet at risk of being injured. Plus, the coverage amount of the pet insurance policy has an impact on the cost. You can still find cheap pet insurance in your Arkansas city, though, with MoneyGeek’s analysis.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Fayetteville
    $5k: Figo, $18
    $10k: Figo, $27
    Unlimited: Pets Best, $31
  • Fort Smith
    $5k: Figo, $18
    $10k: Figo, $27
    Unlimited: Pets Best, $31
  • Little Rock
    $5k: Figo, $18
    $10k: Figo, $27
    Unlimited: Healthy Paws, $29

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

What Factors Impact Pet Insurance Cost in Arkansas?

MoneyGeek’s research shows that the cost of pet insurance in Arkansas depends on various factors, like your pet’s age, breed, location/city, deductible and policy coverage amount. We breakdown the main factors that determine the cost of pet insurance in Arkansas below.

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    Annual reimbursement limits

    This refers to the maximum amount the insurance company covers for a 12-month policy period. It may range from $3,000 to unlimited.

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    Deductible

    The deductible refers to the total veterinary costs you have to cover before your policy pays its percentage.

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    Bill reimbursement percentage

    The percentage is the amount of money the pet insurance company covers per bill. For example, a policy with a 90% reimbursement rate pays $900 of a $1,000 vet bill — you pay 10% ($100).

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    Breed

    Since some pet breeds have a higher probability of developing health conditions, insurance companies give more expensive insurance quotes for them.

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    Animal age

    As your pet ages, they become more susceptible to health conditions. Therefore, pet insurance for senior pets is more expensive.

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    Location

    Since some areas have a higher cost of living and a higher probability of your pet sustaining an injury, pet insurance costs more in these areas.

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    Multi-pet discount

    Some insurance companies offer you a discount for enrolling more than one pet with them on a policy.

FAQ’s About Pet Insurance in Arkansas

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes 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 make sure you find the most affordable policy to meet your pet’s needs.

To determine the best pet insurance companies in Arkansas, 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 Arkansas, and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Arkansas 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 Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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