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5 Best Arizona Pet Insurance for Dogs & Cats (2022 Reviews)

Jogging with dog in Arizona
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We get it – your four-legged companions are important to you. They’re important to us, too. So you’ve decided to read up on pet insurance and see if it can help you care for them. The way they care for you – with unending joy and loyalty. You may have already experienced this, the day your pet becomes ill or suffers an injury. These unexpected medical mishaps are expensive and stressful. What if we told you that it doesn’t have to be that way? That you could do something before these things happen to give you peace of mind. Pet insurance provides financial assistance during those challenging times. We’re here to share with you the 5 best pet insurance companies for Arizona residents so you can choose the best option for your cat or dog.

Walking the dog in Arizona desert
Beautiful morning for a desert stroll!

5 Top Dog & Cat Insurance Companies Compared for Arizona

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade is ranked best overall because they are affordable, offer comprehensive accident and illness coverage, and have great add-ons for preventative care. Another plus is their accident waiting period is only 2 days, much shorter than the standard 14 days from other providers. They use a top-notch mobile app to process claims faster with their easy-to-use filing system. Finally, Lemonade allows pet parents to bundle their pet insurance with a renter’s or homeowner’s policy for added discounts.

    Keep in mind: You’ll need to make them aware if your pet has any pre-existing conditions by providing documentation of your pet’s medical history and veterinary visits before they issue a policy.

    Good for: Most dogs and cats, particularly if you start a plan while they are young and healthy. 

    Average price for DOGS in Arizona: $26.75/month 

    Average price for CATS in Arizona: $11.58/month

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Arizona pet parents will love that Wagmo reimburses up to 100% of vet fees annually once you meet your deductible. Those reimbursements are a quick turn around once a claim is submitted because they use direct deposit, PayPal or Venmo to get you the money quicker. You can take your pet to any veterinarian and Wagmo offers a wide range of supplemental wellness plans. Another bonus feature is discounted renewal fees if you have not submitted a claim during the prior year. They also give discounts if you have multiple pets.

    Keep in mind: The maximum payout for Wagmo is $100,000 over the lifetime of your pet and coverage would end once you reached that limit.

    Good for: If you’re looking for a great combination of wellness and care options, look no further. 

    Average price for DOGS in Arizona: $72.90/month 

    Average price for CATS in Arizona: $43.43/month

  • 3. Figo

    (Best for cats)

    Why it’s great: Figo is designed for cat owners as they offer some of the lowest premiums for cat insurance. They also understand that not all emergencies happen during the day so they provide 24/7 veterinary support through their mobile app. Their wellness packages can be added to a basic policy, including an option that covers up to $250 of veterinarian prescribed pet food. All of Figo’s plans have unlimited lifetime payout benefits with no maximum amount.

    Keep in mind: They do not offer benefits for any pre-existing conditions.

    Good for: Peace of mind that pet owners can reach a vet 24/7 for support and it’s covered by insurance. 

    Average price for DOGS in Arizona: $36.78/month 

    Average price for CATS in Arizona: $18.57/month

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Paws covers up to 6 of your pets under an emergency fund regardless of their age, breed or pre-existing condition, which is unprecedented. The package also includes unlimited 24/7 access to telehealth services with licensed veterinarians and consultations with pet experts. There are no copays, deductibles or credit checks while pet owners can use a vet of their choosing. Even better, you leave the vet office with the bill fully paid with no need to submit a claim and wait for reimbursement.

    Keep in mind: You must contact a Pawp virtual vet who must determine it is an emergency and authorize the office visit before you go. The emergency fund will only cover 1 pet for a single vet bill up to $3,000 per year.

    Good for: As a supplement to a typical pet insurance policy or for older pets or those with pre-existing conditions. 

    Price: $24/month

  • 5. Embrace

    (Best established brand)

    Why it’s great: Your cat or dog is eligible for coverage that lasts their lifetime as Embrace has no maximum lifetime payout limits. They also offer multi-pet discounts and reward policy holders who have not had a claim reimbursement by reducing their deductible $50 every year. Unlike many providers, they have a routine care plan that covers spay/neuter procedures. Additionally their wellness plan includes alternative veterinary treatments such as acupuncture, reiki, massage therapy and chiropractic services.

    Keep in mind: Their policies only cover pets up to the age of 14. If you choose the wellness add-on, the most combined claims you can submit for reimbursement is $650/year; this could result in up to $25 savings annually. Also, if you do not use all funds within a year on wellness plans, there are no refunds.

    Good for: Pet parents who are interested in alternative veterinary care and therapies. 

    Average price for DOGS in Arizona: $69.64/month 

    Average price for CATS in Arizona: $40.67/month

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Arizona and they also offer the best value.

Average price for DOGS in Arizona: $26.75/month 

Average price for CATS in Arizona: $11.58/month

FAQs about Pet Insurance in Arizona

  • 1. What does pet insurance typically cover for dogs and cats?

    The specific coverage offered by providers will vary but often pet insurance provides benefits for hospitalizations, surgery, bloodwork, diagnostic tests, x-rays, prescription medication and other care necessary for accidents and illnesses. As previously stated, insurance won’t cover these items if related to a pre-existing condition unless your policy states otherwise.

  • 2. How much does pet insurance cost in Arizona?

    Pet insurance in Arizona costs anywhere from $16.80 to $50.71 per month for dogs (based on prices for a healthy 2-year-old located in the 85010 zip code). And anywhere from $15.71 to $19.59 per month for cats (based on prices for a healthy 2-year-old located in the 85010 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my pet insurance plan after I make a claim?

    Most insurance companies will allow you to cancel the policy if you do so in writing. Every insurance plan is different and you will want to review the specific details for that company and chosen policy. If you made claims on the policy before cancellation, any treated symptoms or delivered care for an illness or injury will be considered pre-existing conditions and not eligible for coverage if you decide to reinstate the policy at a later date.

  • 4. Do Arizona pet insurance companies cover spay/neuter?

    Many insurance providers do not cover spay/neuter procedures under an accident/illness plan. A few companies may offer this under a wellness plan or special add-on but you’ll want to check the fine print before purchasing.

  • 5. Does the cost of insurance increase as my pet ages?

    Because the chance of injuries and sickness increase as your pet ages, monthly premiums will go up after they reach 4 or 5 years old. Insurance companies see an elevated risk to these types of unexpected medical emergencies and the fees reflect that. It is good to review a potential policy as some providers will not cover a pet after they reach a certain age, often around 14-15 years old.

  • 6. Which companies cover pre-existing conditions?

    Most insurance providers state upfront that they do not cover pre-existing conditions. There are the exceptions, like Pawp, that has an emergency fund to cover anything that comes up, including pre-existing conditions. Others like Embrace may consider covering a curable pre-existing condition under their policy terms but it would be best to inquire about the details prior to buying a plan.

  • 7. Is dog or cat insurance worth it in Arizona?

    In the lifetime of your dog or cat, items will be swallowed, bones may end up broken, or they may develop a heart condition. Costs for these types of medical concerns might be quite expensive but having a pet insurance plan will help with that financial burden. No one can predict their pet’s health, but having insurance should give you peace of mind.

  • 8. What are some strategies to keep my pet safe in Arizona?

    With extreme heat and sunshine being prevalent in Arizona, you should keep an eye on your pet to avoid dangers like sunstroke and dehydration. Pets should never be left in a vehicle; the temperature is often much hotter in the car than outside, and in Arizona that’s saying something! If your pet spends a lot of time outdoors, make sure they have sheltered space to protect them from the sun and access to cool, clean water. Check the asphalt temperature before you take your dog on a walk and try to limit exercise to before the sun comes up or after it goes down. In addition to the heat, the summer months in Arizona also bring monsoon season. They can quickly bring heavy rains and strong winds so it’s best to keep your pets inside when you are not home.


We hope that you have found this article helpful and you feel more comfortable selecting a pet insurance that fits your needs the best. Take time to review the specifics of each plan and compare them to what you anticipate you might need based on your pet’s age, breed and medical information. Buying the right Arizona pet insurance policy will give you the coverage you want over the lifetime of your pet so their health is protected for years to come.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 85010 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Lemonade = $20,000