Table of Contents

6 Best Arkansas Pet Insurance Companies for Dogs & Cats (2022 Reviews)

Dog-climbing in Arkansas mountains
Updated on

Pet parents who want to ensure the long-term well-being of their dogs and cats tend to purchase pet insurance. Regardless of how healthy your pet may be from day to day, most pets experience emergencies at some point in their lives. Veterinary bills skyrocket when it comes to urgent care, but pet insurance can provide vital financial support to help offset them. Below are the 6 best pet insurance companies for Arkansas residents from Little Rock, Warren, or Fayetteville, this article will help you get your cat or dog the very best care whenever they need it.

Dog-proudly watching over little girl
Doggy proudly watching over his companion :)

6 Top Dog & Cat Insurance Companies Compared for Arkansas

  • 1. Lemonade

    (Best overall)

    Why it’s great: With affordable rates, comprehensive accident and illness
    coverage and a solid selection of preventative care add-ons, Lemonade tops our chart for the best overall pet insurance company. Pet parents will also appreciate the 2-day waiting period for accidents, especially when the industry norm is 14 days or more. Lemonade also has a user-friendly claim filing system available on their mobile app. Bundle your pet insurance with renters or homeowners insurance for an extra discount.

    Keep in mind: Should your dog or cat have pre-existing conditions, you will need to submit medical history documentation from your vet before you can get a policy.

    Good for: Almost all cats and dogs, particularly the young and healthy. 

    Average price for DOGS in Arkansas: $26.08/month 

    Average price for CATS in Arkansas: $11.33/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Pet parents will adore Wagmo because they reimburse up to 100% of veterinary fees for the remainder of the year once you have met your deductible. They also offer quick reimbursement via PayPal, Venmo or direct deposit, and they have discounts for multiple pets or renewals without claims in the previous year. Moreover, you can take your pet to the veterinarian of your choice.

    Keep in mind: Coverage will cease once you reach the maximum lifetime payout threshold of $100,000.

    Good for: Pet parents who desire a balanced mix of wellness and emergency care coverage. 

    Average price for DOGS in Arkansas: $40.97/month 

    Average price for CATS in Arkansas: $24.98/month 

  • 3. Figo

    (Best for cats)

    Why it’s great: While Figo insures both cats and dogs, cat parents will be thrilled to know that Figo has some of the best monthly premiums for felines. Since ailments and illnesses can strike anytime, you get live access to live, 24/7 veterinary support when using their mobile app. The company also has multiple wellness packages to choose from that you can add to your policy, including one that pays for up to $250 of food should your veterinarian prescribe it. Furthermore, all of their plans have lifetime benefits, so you do not have to worry about coverage coming to an end at some point in the future.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Pet owners who prefer 24/7 veterinary support. 

    Average price for DOGS in Arkansas: $39.17/month 

    Average price for CATS in Arkansas: $19.01/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp protects up to 6 pets per household, irrespective of age, breed or state of their health, via an emergency fund for a $24 monthly flat fee. In addition, you will get unlimited 24/7 telehealth services and pet expert consultations. With no copays, deductibles or credit checks and the freedom to choose your veterinarian, it is hard not to find Pawp’s emergency fund an appealing option. To streamline the process further, Pawp also guarantees that you will leave the vet’s clinic with your bill paid in full, thereby saving you from the hassles of the claims process.

    Keep in mind: Pawp only covers true emergencies as qualified by their virtual team of veterinarians. Also, their emergency fund will only cover one of your pets for up to $3,000 on a single vet bill per year.

    Good for: Older pets or pets with pre-existing conditions. Also good for those looking to supplement their traditional pet insurance policy. 

    Price: $24/ month

  • 5. Embrace

    (Best established brand)

    Why it’s great: With no maximum lifetime payouts and multiple pet discounts, it is easy to see how Embrace has become an established brand over the years. Another perk of their coverage is “diminishing deductibles,” in which your annual deductible automatically decreases by $50 after every year without any insurance claim reimbursements. However, Embrace’s most unique offering is their wellness plan that covers alternative veterinary care, including reiki, chiropractic, massage therapy and acupuncture.

    Keep in mind: The wellness plan’s maximum combined claims total for the year is $650, which means an annual savings of $25. Additionally, no refunds will be granted for unused funds on wellness plans at the end of each policy year.

    Good for: Pet owners who value new age and alternative veterinary care. 

    Average price for DOGS in Arkansas: $33.57/month 

    Average price for CATS in Arkansas: $19.61/month 

  • 6. Eusoh

    (Best Pet Health Sharing Community)

    Why it’s great: Eusoh is not a pet insurance company, but their community health sharing plans can save members up to 50% on veterinary care compared with conventional insurance policies. With a community health sharing plan, you can expect to be reimbursed for expenses related to illness, accident or routine care. Extra perks include access to televet services via Eusoh’s partner FirstVet and the freedom to choose the right vet for your cat or dog.

    Keep in mind: Eusoh is not a pet insurance company but rather an
    “expense sharing community.” The highest rate of reimbursement is 80%
    with an annual maximum reimbursement amount of $8,500.

    Good for: Pet parents that prefer healthshare communities. 

    Average price for DOGS in Arkansas: $62.58/month 

    Average price for CATS in Arkansas: $40.94/month 

Best Overall

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

Average price for DOGS in Arkansas: $26.08/month 

Average price for CATS in Arkansas: $11.33/month 

FAQs About Pet Insurance in Arkansas

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

    Coverage varies from provider to provider, but on the whole, you can expect any ailments or accidents deemed sudden and catastrophic to be covered. Insured care and treatment usually include tests, exams, diagnostics, emergency care, surgery and medication.

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

    Pet insurance in Arkansas costs anywhere from $17.20 to $91.54 per month for dogs (based on prices for a healthy 2-year-old located in the 77203 zip code). And anywhere from $16.08 to $20.07 per month for cats (based on prices for a healthy 2-year-old located in the 77203 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 dog or cat insurance plan after I make a claim?

    Most insurance companies allow you to cancel your policy at any time as long as you do so in writing. Check with your provider as to the appropriate steps. Be aware that any illnesses your dog or cat may be diagnosed with before canceling might be excluded as a pre-existing condition should you wish to apply for coverage in the future.

  • 4. Do Arkansas pet insurance companies cover spaying and neutering?

    Most pet insurance companies do not cover spaying or neutering in
    Arkansas. That said, some providers, such as Embrace , have wellness packages you can add to your basic policy that will cover these costs.

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

    Monthly premiums increase as your pet grows older, especially once they reach 4 to 5 years old. The reason for this is that insurance providers assume an elevated risk as the chance your pet will get sick increases with age.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the best for covering pre-existing conditions, particularly in emergencies, and Embrace also offers some coverage if such conditions are considered curable. We recommend clarifying this with these companies before putting a policy in place. Keep in mind that most companies do not cover pre-existing conditions at all. The great news is that such conditions will not jeopardize your pet’s eligibility for coverage.

  • 7. Is pet insurance worth it in Arkansas?

    Pet insurance is beneficial for Arkansas residents because most pets will
    need emergency veterinary care at some point in their lives. Treatments for life-threatening illnesses like cancer can cost as much as $10,000. In which case, pet insurance would help lighten the financial burden, so your dog or cat can get the best care possible.


We hope this article has helped simplify the process of finding the right pet insurance provider for your cat or dog. We recommend taking some time to review in more detail the companies featured above before applying for coverage. Buying the best Arkansas pet insurance policy will protect your best pal when it comes to emergencies and routine care so they can enjoy long, healthy lives.

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 72203 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
  • Eusoh = $8,500
  • Lemonade = $20,000