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Published: Dec 22, 2023 9 min read
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  • Get up to 90% back at any vet
  • 5% military discount available
  • Comprehensive illness & accident coverage – no levels
  • Optional wellness plan covers routine vet, grooming, & training costs
  • Customizable annual deductible, annual limit, & reimbursement percentage
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  • 30-Day Money-Back Guarantee*
  • Up to 90% reimbursement on eligible vet bills, including accident and illness
  • Multi-pet discount & access to 24/7 vet helpline
  • Visit any U.S. licensed veterinarian or specialist
  • *Subject to terms and conditions
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  • Save on exams, vaccines & routine care
  • Go to any licensed vet in the US
  • Fast & simple digital claims process 
  • Get discount for multiple pets
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  • Save up to 90% off eligible vet bills
  • Accidents, illness & routine care
  • Easy online claims submissions
  • Wide range of plans & coverage options for your furry friend
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  • 2023 Pet Insurance of the Year Award Winner
  • No Lifetime or Per Incident Limits
  • Most Claims Processed in 5 Days or Less
  • One of the Shortest Waiting Periods for Accident & Illness Coverage

The best pet insurance providers in Arizona have some things in common. Most provide a range of plan options, extensive coverage, quick claims processing and short waiting periods before coverage starts. After scrutinizing data obtained from reliable sources such as Pawlicy and Care Credit, we've identified the top five insurers in the area. Read on to see our top picks for the best pet insurance companies in Arizona.

Our Top Picks For Best Pet Insurance In Arizona

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Best Pet Insurance in Arizona Reviews


  • Unlimited annual coverage for pets of any age
  • Accessible 24/7 telehealth helpline
  • Higher premiums for younger pets
  • Transaction fees for monthly, quarterly, and semi-annual payments

Spot’s customer service consistently receives positive reviews. The company caters to pet owners seeking insurance beyond conventional limits. Offering unlimited annual coverage irrespective of pet age makes Spot an excellent choice for older pets. Although the company has received commendations for their responsiveness and assistance during emergencies, it’s important to keep in mind Spot's pricing often exceeds the industry average, particularly noticeable in states with higher overall pet insurance costs.

Healthy Paws

  • No per-incident, annual, or lifetime caps
  • Expedited claim processing
  • Potential for direct payments under specific conditions
  • Limited coverage for senior pets
  • Restrictions on hip dysplasia coverage

Healthy Paws distinguishes itself by covering various alternative therapies at no extra cost. However, as pets age, the coverage becomes more limited, making it better suited for younger pets.

Their rapid claim processing and absence of caps on incidents or lifetime limits are advantageous. The company has also earned praise for its easy-to-use mobile app, which lets policyholders streamline their claim submissions and manage their policies.


  • Access to 24/7 telemed pet health experts
  • High upper age limit for enrollment
  • Higher annual reimbursement limit compared to competitors with annual caps
  • Limited wellness benefits
  • Caps dental illness coverage at $1,000 annually

Embrace provides constant access to pet health experts via PawSupport, a valuable feature for concerned pet owners who might need an emergency answer to their queries. The company also stands out for its transparency in policy details, often offering comprehensive explanations of coverage options, aiding customers in making informed decisions about their pet's insurance needs.

However, its wellness benefits have limitations, capping dental illness coverage annually at $1,000.


  • Covers emergency exam fees
  • Includes veterinary-prescribed holistic and alternative therapies
  • Up to $1,000 covered in virtual visits
  • No routine care or wellness plans
  • Mandatory medical exams

Fetch distinguishes itself by covering a wide range of indirectly linked pet health expenses, such as hospitalization boarding fees for the owner of an insured pet. The company also covers emergency exam fees and virtual visits. However, it lacks routine care or wellness plans, which might be essential for the healthcare needs of your particular pet.

Fetch's commitment to customer education shines through its informative blog and resourceful articles, aiding pet owners in better understanding their pet's health needs and insurance coverage.


  • Swift claims processing
  • Multiple available discounts
  • Contributes to charities through payments
  • Available in 38 states only
  • Policy adjustments restricted to renewal periods
  • Potential ineligibility for older pets

Lemonade offers quick claims processing and charitable contributions through payments, which enhance its appeal. Lemonade's commitment to transparency is reflected via its easily navigable website, which provides comprehensive information about coverage details and processes, ensuring clarity for prospective customers.

However, its limited availability across states, coupled with restrictions on policy adjustments and potential limitations for older pets, might impact certain pet owners' choices.

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Pet Insurance in Arizona Guide

Getting pet insurance coverage has become an essential step to pet ownership for those who are deeply invested in their pets' well-being, particularly in times of a major health emergency. While pre-existing conditions are often excluded, insurance acts as a safety net against unforeseen expenses during health crises or accidents. A pet parent’s first steps should be researching insurers, comparing quotes and making sure to tailor coverage to suit their pet's specific needs. Although rare, some employers may extend pet insurance benefits to their employees.

Opting for higher deductibles can often help trim the monthly expense of premiums. When estimating insurance costs, it's crucial to consider both the breadth of coverage and your pet's specific characteristics.

Guide to Purchasing Pet Insurance in Arizona

Navigating the process of buying pet insurance in Arizona involves several crucial steps to ensure you secure the most suitable coverage for your furry companion.

As a start, delve into the array of available pet insurance providers in the state, examining their reputation, coverage options, and any policies that might be particularly tailored to your pet. Valuable insights from online resources, customer reviews and discussions with fellow pet owners shed light on the leading insurance companies in the region.

Next, comprehensively assess your pet's needs and health history. Understanding your pet's needs according to its breed, age, existing conditions, and potential local risks aids in selecting the most fitting coverage. Some insurers might offer provisions customized to regional concerns, which can be pivotal in your decision-making process.

Once potential insurers are narrowed down, it’s important to compare and contrast quotes from different policies. Scrutinize coverage limits, deductibles, co-pays, and exclusions, focusing not only on monthly premiums but also on the overall value of coverage. Some insurers offer customizable plans, allowing tailored coverage within your financial constraints.

Before finalizing your choice, thoroughly review policy documents and seek clarity on any ambiguous clauses or terms. Understand how waiting periods, limitations, and claims procedures specific to Arizona can affect your coverage. Explore potential discounts or special offers, particularly for multiple pets or specific breeds or age groups eligible for reduced rates.

Upon selecting a suitable pet insurance plan, complete the enrollment process by providing your pet's medical history and necessary documentation. Safeguard policy documents and acquaint yourself with the claims process and required documentation for claims. Regularly review your policy to ensure it continues to cater to your pet's changing needs and aligns with any changes in Arizona's regulations or available offerings.

Cost of pet insurance in Arizona

Pet owners in Arizona can expect to pay anything between $14.67 and $281.13 in monthly premiums. This range of prices varies widely across providers, and these are estimates gathered from quotes from our list of vetted companies.

Costs of pet care in Arizona

The average cost of pet care in Arizona is $79.28 per vet visit, according to Care Credit. This average includes all pets and is not divided into cats and dogs.

Pet Laws in Arizona

Arizona upholds various laws and regulations aimed at ensuring the well-being and responsible ownership of dogs and cats. One pivotal aspect of these laws concerns the treatment of pets as personal property, granting them legal protections akin to other possessions. This classification allows owners to take legal action in cases involving injury, killing, or unlawful detention of their pets, treating such incidents as they would damage personal property.

Another significant facet of pet laws in Arizona involves the authority and responsibilities of animal control officers. These officers possess the power to seize and temporarily hold stolen or unlawfully detained dogs or cats until the legal resolution of the matter. If no legal action is initiated within a specific timeframe, typically seven days, these officers are mandated to return the animal to its rightful owner. This framework aims to swiftly address instances of wrongful possession while ensuring due process for both the animals and their owners within the judicial system.

Arizona law specifies that the mere presence of a dog or cat on someone else's property does not imply theft. In such cases, animal control officers are authorized to take possession of the animal and notify its legal owner. Upon reclaiming the pet, the owner is required to pay a reasonable charge established by the local governing body for the care of the animal during its possession by the officer.

Consumer protection for pet insurance in Arizona

Arizona’s Department of Insurance and Financial Institutions has a detailed article on pet insurance, including links related to the National Association of Insurance Commissioners’ efforts in regulating pet insurance.

How We Found the Best Pet Insurance in Arizona

As part of our methodology, we gathered Arizona-based sample quotes and reviewed pet insurance plans based on the following factors:

  • Plan and coverage options
  • Cost and available discounts
  • Policy benefits, exclusions and restrictions
  • Waiting periods
  • Customer service options and claims processes

For the average cost of each plan, we used pet profiles with a Arizona zip code, including the most popular breeds of both dog and cat nationwide with an age that would garner the lowest insurance premiums during the pet’s lifetime. We used Pawlicy and Pet Insurer to gather quotes and compare plan options.

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Summary of Money’s Best Pet Insurance in Arizona