--- title: Best Pet Insurance in Arkansas description: Find the best pet insurance in Arkansas for dogs and cats that covers vet visits, dental care, and wellness, starting from $7.33 with Embrace. authors: - name: Emily Gutarra role: Writer url: https://money.com/author/emily-gutarra/ bio: Emily Gutarra is a former staff writer at Money Group, specializing in personal finance topics and product reviews with a focus on delivering clear, practical guidance. education: University of Puerto Rico - Río Piedras at_money_since: 2023 articles: 42 covers: - Insurance - Credit - Housing - Identity Theft - Pets former_staff: true editors: - name: José Omar Rodríguez role: Content Manager url: https://money.com/author/jose-omar-rodriguez/ bio: As an editor, José Omar specializes in personal finance topics and in-depth company reviews. His work has been featured in publications such as the Sacramento Bee, the Miami Herald, and the Kansas City Star. education: University of Puerto Rico at_money_since: 2019 articles: 21 covers: - Insurance - Banking - Business - Career Advice - Credit - Credit Cards - Economy and Politics - Housing - Identity Theft - Investing - Lifestyle - Loans - Mortgages - Pets - Professional Services - Retirement - Taxes - Technology published: '2024-01-04T20:07:59.000Z' modified: '2024-04-17T13:56:45.000Z' section: Insurance word_count: 952 canonical: https://money.com/best-pet-insurance-arkansas/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Best Pet Insurance in Arkansas](https://img.money.com/2024/01/Best-Pet-Insurance-Arkansas.jpg?quality=85&w=1012&h=569&crop=1) ## Our Partners ### Preferred Provider ![View Plans](https://s3.consumersadvocate.org/prd/image/image/29662/medium_68e0db61-9c40-4a9a-8674-4d1846034313.png) Our Partner [View Plans](https://money.com/go/3c382938bbe1?ap_referrer=%2Fbest-pet-insurance-arkansas%2F&bidid=4071917724&ptid=666576228&ptoken=1a64aeb62aec1af5f190f3b65f6d40a5&zip=20149) **🏅"Best Annual Unlimited Coverage" by Forbes** - Reimburses Up to 90%, No Max Annual or Lifetime Payouts - Backed by Chubb - a Trusted Name in Insurance - Covers Accidents, Illness, Hereditary Conditions & More - Most Claims are Processed in 2 Days * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/29658/medium_180feef1-c7e9-47f4-ae9c-f6f3e701e0ae.png) Our Partner [View Plans](https://money.com/go/61f61e92f8b0?ap_referrer=%2Fbest-pet-insurance-arkansas%2F&bidid=4071917735&ptid=666576228&ptoken=5e235ebb9df263b532acc4f355e3ac5d&zip=20149) **🐶 Affordable Plans Starting at Less than $1/Day** - Get up to 90% back on vet bills - Flexible Coverage Options, No Upper Age Limits - Providing Comprehensive Pet Insurance for Over 900,000 Pets - Multiple Wellness Plan Options * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/27224/medium_0064768b-d029-4c4e-b916-5ae9a068cbe4.png) Our Partner [View Plans](https://money.com/go/9b569e799cb0?ap_referrer=%2Fbest-pet-insurance-arkansas%2F&bidid=4071917730&ptid=666576228&ptoken=91d72048cbd33065c5c5589a00ff9b9b&zip=20149) **Price Includes What Other Providers Charge Extra for or Don't Cover at All**  - Get Back up to 90% on Unexpected Vet Bills - Dental Coverage for Every Tooth, Plus Gums - Covers Exam Fees (Save $50-$250 per Sick Visit) - Use Any Vet in the U.S. or Canada * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/22628/medium_cd1f6ffb-0207-4043-b6ec-be1dea1b364c.png) Our Partner [View Plans](https://money.com/go/3b1a0a62ef72?ap_referrer=%2Fbest-pet-insurance-arkansas%2F&bidid=4071917728&ptid=666576228&ptoken=9f7c65b38cefbba76054a16c9827c135&zip=20149) **2025 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 * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/33968/medium_778ede1d-ae43-453e-8668-9dba77d2f061.webp) Our Partner [View Plans](https://money.com/go/eb9fd805ba8b?ap_referrer=%2Fbest-pet-insurance-arkansas%2F&bidid=4071917732&ptid=666576228&ptoken=b0365017752f8908cae90bf759a1bae9&zip=20149) **Unlimited Reimbursement at Any Vet** - Covers Illnesses, Conditions & Accidents - Add Dental & Prescription Coverage - Wellness Plan for Routine Check-ups, Grooming & Training - Over 18 Years of Pet Insurance Expertise * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/29657/medium_f6e5e594-b60d-4dfd-a2ce-c903d0fb009a.png) Our Partner [View Plans](https://money.com/go/e647b02089c5?ap_referrer=%2Fbest-pet-insurance-arkansas%2F&bidid=4071917733&ptid=666576228&ptoken=cb4dced1ac720485e91618b7cc9bc29b&zip=20149) **🐕 Pet Insurance Starting as low as $10 per Month** - Save Big on Tests, Vaccines & Essential Care - Coverage for Spaying, Neutering & Microchipping Available - Up to 10% Off with Bundle or Multi-Pet Discount - Unclaimed Premiums are Donated to Charities of Your Choice \*Not available in all states.  * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/27602/medium_249e8d31-e3fc-423f-8c0c-838e7a8255af.webp) Our Partner [View Plans](https://money.com/go/96a19750a9d6?ap_referrer=%2Fbest-pet-insurance-arkansas%2F&bidid=4071917726&ptid=666576228&ptoken=041c6be67f2edd8713fcc15c17ac0084&zip=20149) **🐶 Only Provider to Pay Vet Bills Instantly** - Unlimited payouts for life - Loved by 1 Million Pet Parents, 3 Billion in Vet Bills Paid - Protecting dogs and cats for over 25 years - Voted #1 pet insurance by veterinarians Our writers and editors have been researching the industry since 2016 in order to bring our readers a list of the [best pet insurance companies](https://money.com/best-pet-insurance/) — including insurers such as Lemonade, Trupanion and more — that is updated on a monthly basis for pet parents nationwide. We used the data they’ve collected through the years to find out which of those providers offer the best pet insurance in Arkansas. If you’re just starting out your pet insurance journey, we recommend you read our guides on [how to buy pet insurance](https://money.com/how-to-buy-pet-insurance/) and [pet insurance costs](https://money.com/how-much-is-pet-insurance/) to make a more informed decision when choosing an insurer. ## Our Top Picks For Best Pet Insurance in Arkansas - [Pets Best](#petsbest) - [Figo](#figo) - [Embrace](#embrace) - [Healthy Paws](#healthy) - [Spot](#spot) ## Protect your furry friend with Embrace Pet Insurance ### Get up to 90% reimbursement on vet bills. Customized coverage is available. Select your state for a free quote. [GET FREE QUOTE](https://money.com/pr/x26462624330?ap_referrer=%2Fbest-pet-insurance-arkansas%2F) ## Best Pet Insurance Companies in Arkansas Reviews ### [Pets Best Pet Insurance](https://money.com/pr/v00ce1275939?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-arkansas%252F) Review **Pros** - Covers prosthetic devices and wheelchairs - Broad range of deductibles options - Coverage starts at seven weeks - Veterinary care covered in the U.S. and Canada **Cons** - Requires add-on for alternative therapies and treatments - Takes longer to process claims ### HIGHLIGHTS Annual deductibles $50, $100, $200, $250, $500 or $1K Annual payout limits $5K or unlimited Coinsurance 70%, 80% or 90% Waiting periods 3 days for accidents, 14 days for illnesses Sample quotes for dogs $19.73 - $98.47 Sample quotes for cats $5.56 - $27.73 ### [Figo Pet Insurance](https://money.com/pr/z2b80aa0e849?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-arkansas%252F) Review **Pros** - Reimbursement rates of up to 100% - Cutting-edge cancer treatments covered - International licensed veterinarians covered - Customizable and preset pet insurance plans **Cons** - No coverage for visit and exam fees without add-on - Deductibles under $500 not eligible for 100% reimbursement - Hereditary conditions not covered for pets enrolled after turning two ### HIGHLIGHTS Annual deductibles $100, $250, $500 or $750 Annual payout limits $5K, $10K or unlimited Coinsurance 70%, 80%, 90% or 100% Waiting periods 1 day for accidents, 14 days for illnesses Sample quotes for dogs $13.92 - $87.63 Sample quotes for cats $3.55 - $22.25 ### [Embrace Pet Insurance](https://money.com/pr/t5e6c54b811e?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-arkansas%252F) Review **Pros** - Coverage for treatment from licensed veterinarians abroad - 2-day accident waiting period - Ambulance transportation costs covered - Discount for multiple-pet households **Cons** - 6-month waiting period for illnesses like hip dysplasia - Low caps for dental illnesses - Prescription medications and food not covered with base policy ### HIGHLIGHTS Annual deductibles $100, $250, $500, $750 or $1K Annual payout limits $5K, $8K, $10K, $15K or unlimited Coinsurance 70%, 80% or 90% Waiting periods 2 days for accidents, 14 days for illnesses Sample quotes for dogs $27.36 - $97.69 Sample quotes for cats $7.33 - $26.18 ### [Healthy Paws Pet Insurance](https://money.com/pr/u41117d41a2c?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-arkansas%252F) Review **Pros** - X-rays, blood tests and ultrasounds covered with base policy - Unlimited maximum payouts - Short claims processing - Mobile app available **Cons** - Customizable coverage not available for dog policies - Not available in New York, Pennsylvania or South Carolina ### HIGHLIGHTS Annual deductibles $100, $200, $500 Annual payout limits None Coinsurance 70%, 80%, 90% Waiting periods 15 days (accidents and illnesses) 12 months (hip dysplasia) Sample quotes for dogs $49.80 (with automatic 70% reimbursement rate and $500 deductible) Sample quotes for cats $11.43 - $24.26 ### [Spot Pet Insurance](https://money.com/pr/jd4e4316a0c0?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-arkansas%252F) Review **Pros** - Virtual vet visits included with base policy - Coverage for vet exam fees - Microchip implantation covered at no extra cost **Cons** - Charges transaction fees for non-annual payments - Higher monthly premiums than competitors ### HIGHLIGHTS Annual deductibles $100, $250, $500, $750 or $1K Annual payout limits $2.5K, $3K, $5K, $7K, $10K or unlimited Coinsurance 70%, 80% or 90% Waiting periods 14 days for accidents and illnesses Sample quotes for dogs $21.22 - $215.26 Sample quotes for cats $5.95 - $60.82 ## The best pet deserves the best coverage ### Get up to 90% reimbursement on vet bills with Healthy Paws — quality coverage tailored to your pet’s needs. Get a quote now. [VIEW PLANS](https://money.com/pr/odae17e6234d?ap_referrer=%2Fbest-pet-insurance-arkansas%2F) ## Pet Insurance in Arkansas Guide ### How much is pet insurance in Arkansas? Arkansas pet insurance is among the most affordable in the U.S. However, the state you live in won’t be what determines how much your pet insurance provider will charge you in monthly premiums. Your pet’s needs and your choice of type of coverage (accident-only or accident and illness), deductibles, annual limits and coinsurance will be considered as well. Keep in mind that a basic accident and illness pet insurance policy will cover treatment for broken bones, cancer, hip dysplasia and other injuries and illnesses, but will most likely have exclusions for things like [pre-existing conditions](https://money.com/pet-insurance-for-pre-existing-conditions/), spaying and neutering, [pet dental care](https://money.com/pet-dental-insurance/) (cleanings), routine and preventative care (checkups and vaccinations) and [veterinary exam fees](https://money.com/pet-exam-fees-sponsored-fetch/). Depending on the provider, you might be able to add coverage for some of these to your policy, which will, in turn, add to your costs. #### Cost of dog insurance in Arkansas According to our quotes for an adult female dog residing in Arkansas, pet health insurance for dogs in the state ranges between $20.55 and $124.76. #### Cost of cat insurance in Arkansas Averaging quotes obtained for a one-year-old female cat, we determined pet parents in Arkansas could pay an estimated $5.59 to $34.25 for a basic cat health insurance policy. ### Costs of pet care in Arkansas The state of Arkansas is located in a region with high concentrations of heartworm and ticks, which could mean pet owners might need to take their pets in more frequently for prevention services or treatment when prevention doesn’t work. Some species of ticks that can be found in Arkansas include Gulf Coast ticks, American dog ticks, lone star ticks, brown dog ticks and blacklegged ticks. Although not all tick bites will result in infection, some can transmit Rocky Mountain spotted fever (RMSF), anaplasmosis, Lyme disease, and other diseases that can affect both pets and humans. The harsh weather in the Natural State can also be detrimental to your pet’s health. Arkansas summers, for example, can reach very high temperatures. Prolonged exposure to this level of heat can cause your pet to suffer from heat exhaustion and even heat strokes, which would certainly prompt an emergency visit to the vet. #### Average vet bills for dogs in Arkansas A 2022 study from the American Veterinary Medical Association (AVMA) revealed that dog owners reported approximately $195 for services they received during their last vet visit. In the case of emergency visits, those could cost you anywhere between $200 and $7,500 without [pet insurance coverage](https://money.com/what-pet-insurance-covers/). #### Average vet bills for cats in Arkansas Emergency care for cats could cost anywhere between $200 and $7,000. In the same AVMA study, cat owners reported having paid vet bills of approximately $162 after their last visit. ### Pet Laws in Arkansas Arkansas requires all dogs, cats and other animals kept as pets to be vaccinated against rabies, following the regulations set forth by the State Board of Health. Believe it or not, this also includes wolf-dog hybrids. As a way to regulate the presence of wolf-dog hybrids in the state, Arkansas has set forth some statutes that pertain their immunization to rabies and how they shall be cared for and confined. Just like cats and dogs, these hybrids must be vaccinated against rabies by a licensed veterinarian and obtain a rabies certificate. Because there is no approved rabies vaccine specifically created for wolf-dog hybrids, they will be immunized with a vaccine approved for dog use. Although the state allows for wolf-dog hybrid pets, it is surprisingly strict when it comes to other wildlife. Unless you captured another species before the state outlawed them, the only wild animals people are currently allowed to keep as pets are those that can be captured by hand. Some of these include opossums, raccoons, squirrels and rabbits. #### Consumer protection for pet insurance in Arkansas The Arkansas Insurance Department is in charge of regulating and enforcing state insurance laws, among other important duties. Pet owners who believe their pet insurance agency has infringed on one of these laws or on their consumer rights can file a complaint through the Department. ## How We Found the Best Pet Insurance in Arkansas To find out which carriers offer the best pet insurance in Arkansas, we obtained pet insurance quotes from all of our listed providers and read through each of their policies. We applied the methodology developed and refined by our pet insurance experts to make our selections. Our picks offer comprehensive coverage for various diseases and injuries, different coverage options, few enrollment limits, broad deductible ranges, annual limit options that include unlimited coverage and add-ons that fill in the gaps in their basic policies (wellness plans for routine care, preventative care packages, etc.). ## Ensure your pet’s well-being with Embrace ### The company’s pet insurance policies provide quality coverage with up to 90% reimbursement. Get a quote that fits within your budget today. [GET FREE QUOTE](https://money.com/pr/n3fb8951cd6f?ap_referrer=%2Fbest-pet-insurance-arkansas%2F) ## Summary of Money’s Best Pet Insurance in Arkansas - [Pets Best](#petsbest) - [Figo](#figo) - [Embrace](#embrace) - [Healthy Paws](#healthy) - [Spot](#spot) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/best-pet-insurance-arkansas/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Insurance", "item": "https://money.com/insurance/" }, { "@type": "ListItem", "position": 3, "name": "Pet Insurance", "item": "https://money.com/pet-insurance/" }, { "@type": "ListItem", "position": 4, "name": "Best Pet Insurance in Arkansas" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/best-pet-insurance-arkansas/#webpage", "url": "https://money.com/best-pet-insurance-arkansas/", "name": "Best Pet Insurance in Arkansas", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2024-01-04T20:07:59.000Z", "mainEntity": { "@id": "https://money.com/best-pet-insurance-arkansas/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/best-pet-insurance-arkansas/#breadcrumb" }, "dateModified": "2024-04-17T13:56:45.000Z" }, { "@type": "Article", "headline": "Best Pet Insurance in Arkansas", "articleSection": "Insurance", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2024/01/Best-Pet-Insurance-Arkansas.jpg?quality=85", "width": 3732, "height": 2488 } ], "author": [ { "@type": "Person", "name": "Emily Gutarra", "url": "https://money.com/author/emily-gutarra/", "@id": "https://money.com/author/emily-gutarra/#author", "description": "Emily Gutarra is a former staff writer at Money Group, specializing in personal finance topics and product reviews with a focus on delivering clear, practical guidance.\r\n\r\n", "image": "https://img.money.com/2023/09/emily.png?w=350&h=430&crop=1", "alumniOf": "University of Puerto Rico - Río Piedras" } ], "publisher": "https://money.com/#organization", "datePublished": "2024-01-04T20:07:59.000Z", "description": "Find the best pet insurance in Arkansas for dogs and cats that covers vet visits, dental care, and wellness, starting from $7.33 with Embrace.", "abstract": "Find the best pet insurance in Arkansas for dogs and cats that covers vet visits, dental care, and wellness, starting from $7.33 with Embrace.", "@id": "https://money.com/best-pet-insurance-arkansas/", "inLanguage": "en-US", "dateModified": "2024-04-17T13:56:45.000Z", "editor": [ { "@type": "Person", "name": "José Omar Rodríguez", "url": "https://money.com/author/jose-omar-rodriguez/", "@id": "https://money.com/author/jose-omar-rodriguez/#author", "description": "As an editor, José Omar specializes in personal finance topics and in-depth company reviews. 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