The Best Pet Insurance in Arizona in 2025
Top pet insurers in Arizona include Lemonade, Figo, and Spot for comprehensive coverage
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
Arizona’s desert climate presents specific challenges for your pets, from extreme heat exposure to encounters with wildlife like coyotes and rattlesnakes.[1] Pet insurance can be especially valuable here, helping you manage unexpected veterinary costs.
Pet insurance in Arizona averages $44 per month for dogs and $24 for cats, according to our research. But your rates will vary based on your pet’s age, its breed, and the coverage level you choose.
Pet owners in Arizona have excellent options when it comes to protecting their furry family members. Our top picks for the state include Lemonade, Figo, Spot, ASPCA, and Healthy Paws — each offering unique benefits for different pet needs.
Let’s explore your best options and what you need to know about pet insurance in the Grand Canyon State.
What You Need to Know About Pet Insurance in Arizona
Average annual costs: $44 for dogs, $24 for cats.
Cheapest options: Rates start around $13 per month for cats and $26 per month for dogs, depending on coverage.
State regulations: Arizona requires spay/neuter for shelter adoptions but doesn’t regulate pet insurance specifically.[2]
Compare Pet Insurance Companies in Arizona
We’ve evaluated the top pet insurance companies available to Arizona pet parents.
The table below shows average rates for dogs and cats, pre-existing condition coverage, and key policy features from top Arizona pet insurance companies to help you make an informed decision.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $29/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $62/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $26/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $33/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $53/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $20/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $17/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $13/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $15/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Arizona’s Best Pet Insurers
Policies in Arizona start as low as $13 per month.
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Our Picks for the Best Pet Insurance Companies in Arizona
After analyzing coverage options, pricing, and policy features, we’ve identified five standout pet insurance companies for Arizona pet owners.
Lemonade: Best for dogs
Pros
Donates excess revenue to non-profits
Paid-in-full discount available
Curable pre-existing condition coverage after 12 months
Cons
No 100% reimbursement rate available
Physical therapy covered only with add on
Behavioral coverage available only as add on
Lemonade consistently offers the cheapest overall premiums for dogs in Arizona. It provides several options for reimbursement rates, deductibles, and payout limits, letting pet parents customize their plans based on desired coverage and budget.
Lemonade also features an attractive two-day accident waiting period, getting your coverage active quickly. The insurer may also cover pre-existing conditions if your pet has no symptoms and doesn’t need treatment for 12 months.
Figo: Best for cats
Pros
No upper age limits for new policies
Multiple reimbursement and deductible options
24/7 virtual vet visits included
Cons
Mixed customer reviews about claims and customer service
No coverage for prescription food
Relatively low multi-pet discount
Figo earned our top spot for cats in Arizona by balancing very competitive average monthly premiums for felines with broad coverage flexibility. You’ll find lots of customization options, including 100% reimbursement rates and unlimited payout coverage. That means you can opt for the highest tier of coverage or adjust based on your specific needs.
The super-short one-day waiting period for accidents is another major advantage.
Spot: Best for young pets
Pros
Prescription food coverage
Optional wellness plans available
Multiple deductible and reimbursement options
Cons
No 100% reimbursement option
14-day waiting period for accidents
No direct payment to veterinarians
Spot stands out as our top pick for people with puppies or kittens. The company offers a wide range of deductible options, ranging from $100 to $1,000, and provides an excellent range of payout limits, from $2,500 to unlimited. This flexibility allows you to adjust coverage as your puppy or kitten ages and develops different needs.
Spot also may cover some curable pre-existing conditions, adding valuable protection.
ASPCA: Best for senior pets
Pros
Discount for additional pets
Covers alternative therapies
Covers hereditary and congenital issues
Cons
No coverage for prescription food
Must call for quote for unlimited coverage
Limited deductible options
ASPCA might not have the cheapest rates for senior dogs and cats in Arizona, but it offers very generous curable pre-existing condition coverage. Applicable conditions can be considered “cured” if they don’t recur within 180 days — exceptionally short by industry standards. This makes ASPCA ideal for senior pets that may have more health concerns.
The company also provides an unlimited payout option and two levels of wellness add-ons.
Healthy Paws: Best for unlimited coverage
Pros
Unlimited annual and lifetime payouts
Quick claims processing
Covers hereditary and congenital conditions
Cons
Won’t issue policies to older pets
Doesn’t offer wellness plan
No coverage for exam fees
While Healthy Paws doesn’t offer the cheapest rates, according to our data, it deserves recognition for coupling moderate pricing with unlimited payouts for every plan. This might be perfect for young purebred pups from breeds predisposed to hereditary or congenital conditions, such as French bulldogs or pugs prone to brachycephalic obstructive airway syndrome.
Our editorial team selected the companies you see here based on a combination of average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in Arizona
Pet insurance rates vary significantly from one company to another based on coverage levels, deductibles, and reimbursement percentages. Companies also use different risk assessment models, leading to price differences even for identical pets.
Our data shows the companies below offer the most affordable average pet insurance rates for dogs and cats in Arizona:
The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Spot | $26 | $13 |
| Lemonade | $29 | $20 |
| Pets Best | $32 | $21 |
| ASPCA | $33 | $15 |
| Prudent Pet | $47 | $28 |
| Figo | $62 | $17 |
| Pumpkin | $69 | $31 |
Arizona Pet Insurance Laws and Requirements
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Arizona doesn’t specifically regulate pet insurance policies. But the state does have several animal welfare laws that pet owners should know about:[2]
Spay/neuter requirements:
All dogs and cats adopted from shelters must be spayed or neutered before release.[3]
Adopters may sign agreements for sterilization within 30 days if immediate surgery isn’t possible.[4]
Medical exemptions apply when veterinarians determine surgery poses health risks.[3]
Dog breed discrimination:
Arizona law prohibits homeowners insurance companies from using dog breed as the sole factor in underwriting decisions.[5]
This 2023 law helps protect owners of certain breeds from insurance discrimination.[6]
General animal control:
How to Pick the Right Arizona Pet Insurance Company for You
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Arizona’s desert lifestyle means your pet faces unique risks you won’t find in some other states — like scorching summer sidewalks that can burn paw pads or rattlesnake encounters on hiking trails. Choosing the right pet insurance here goes beyond basic accident protection.
Follow these steps to figure out what kind of coverage works best for you and your pet’s lifestyle:
Assess your pet’s risk factors. Consider your pet’s breed, age, and any predisposition to conditions common in Arizona’s climate.
Compare multiple quotes. Get quotes from at least three companies, adjusting coverage levels to see how premiums change.
Review waiting periods. Look for shorter waiting periods, especially for accidents, which can include snake bites or heat-related issues in Arizona.
Check coverage exclusions. Ensure the policy covers conditions relevant to your pet and Arizona’s environment.
Evaluate claim processes. Choose companies with straightforward claim filing and fast reimbursement times.
Arizona’s environment makes certain coverage features more important, so prioritize comprehensive accident coverage and emergency care benefits.
Find the Best Company for Your Furry Friend
Spot may be the cheapest, but it won’t be right for every Arizona pet.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Arizona Pet Insurance FAQs
Between scorpions, rattlesnakes, and 115-degree summers, Arizona pet owners face questions that those in other states don’t. Here are answers to help you navigate coverage decisions in the desert.
What’s the best pet insurance in Arizona?
The best pet insurance depends on your specific needs. Lemonade offers the most affordable coverage for dogs, while Figo provides excellent value for cats. Consider your pet’s age, breed, and health history when choosing.
What’s the average cost of pet insurance for dogs in Arizona?
The average cost of pet insurance for dogs in Arizona is $44 per month, according to Compare.com data. But specific rates depend on factors like your pet’s age, breed and more.
For example, senior dogs typically cost $113 per month to insure. Purebred dogs average $65 per month, and mixed breeds cost around $52.
What’s the average cost of pet insurance for cats in Arizona?
Cat insurance in Arizona averages $24 per month, according to Compare.com data. Senior cats typically cost $57 per month, purebred cats average $27, and mixed-breed cats cost approximately $30.
Is pet insurance expensive in Arizona?
Somewhat. Arizona’s average pet insurance rates fall a bit higher than the national average. Neighboring states like Nevada and New Mexico often have slightly lower average costs, while California and Colorado typically see higher premiums. Arizona pet owners generally pay competitive rates compared to most states.
Is pet insurance worth it in Arizona?
Yes. Pet insurance can be especially valuable in Arizona due to unique risks, like extreme heat, wildlife encounters, and venomous snake bites. With average veterinary costs rising and emergency treatments potentially costing thousands, insurance helps manage unexpected expenses while ensuring your pet gets needed care.
What does pet insurance cover in Arizona?
Pet insurance in Arizona typically covers accidents, illnesses, surgeries, diagnostic tests, prescription medications, and emergency care. Some policies include coverage for hereditary conditions, behavioral therapy, and alternative treatments. Wellness coverage for routine care is usually available as an add-on.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- Scottsdale Animal Healthcare. "Arizona Pet Threats."
- Arizona Department of Insurance and Financial Institutions. "Pet Insurance."
- Justia U.S. Law. "2024 Arizona Revised Statutes."
- azleg.gov. "Sterilization of impounded dogs and cats; definitions."
- Arizona Department of Insurance and Financial Institutions. "New Arizona law related to dog breeds and Homeowners insurance."
- Kutak Rock Attorneys at Law. "A.R.S. § 20-1510: New Arizona Law Related to Dog Breeds, Homeowners and Renters Insurance Goes Into Effect June 30, 2023."
- lapaz.gov. "ANIMAL CONTROL ORDINANCE NO. 2019-01."
- ARIZONA HOUSE OF REPRESENTATIVES. "Fifty-sixth Legislature First Regular Session."
- Animal Legal and Historical Center. "Table of State Dog Leash Laws."
