Get the Best Pet Insurance in Arizona in 2025

Sponsored by Figo Pet Insurance

Arizona’s sunny weather and outdoor lifestyle make it a wonderful place for pets, but finding the right pet insurance can be challenging. You want a plan that fits your budget and covers any unexpected health needs, while also providing peace of mind.

With Arizona’s hot climate and unique outdoor risks, it’s important to choose coverage wisely. In this guide, we’ll walk you through everything you need to know about pet insurance in Arizona, including coverage options, costs, and the top providers. By the end, you’ll be ready to choose a pet insurance policy that keeps your pet safe and healthy in the Grand Canyon State.

Summary: Best Arizona Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 10/11/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Arizona?

According to our research, Arizona pet insurance costs an average of $41 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $66 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Arizona cities: Phoenix, a major urban center, and Flagstaff, an average-sized city for the state.

It's important to note that your own Arizona pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether you choose to add on any optional coverage. That's why it's vital to compare pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Arizona

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Arizona is $41 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $66 monthly.

Cost of Pet Insurance in Arizona by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Arizona:

Cost of Pet Insurance for Cats in Arizona

Pet insurance for cats is significantly cheaper than dog insurance in Arizona. The average monthly cost for cat insurance in the state ranges from $16 to $49, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Arizona by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Arizona pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Arizona

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for Arizona pet parents to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Arizona

Arizona's landscape and climate present some unique challenges for pet owners, making it important to choose the right pet insurance. The desert terrain and changing weather conditions in the state can pose risks to your pet's well-being.

In the desert regions, pets can encounter venomous creatures such as rattlesnakes, scorpions, and even Gila monsters. Cacti injuries are also common, as curious pets might get too close to the prickly plants.

When it comes to the weather, Arizona’s extremes can be a real concern for pets. The intense heat puts animals at risk of dehydration, heatstroke, and painful burns from walking on scorching pavement. Meanwhile, in the northern parts of the state, winter temperatures can drop sharply, bringing the danger of frostbite for pets unaccustomed to the cold.

In addition, frequent dust storms, or "haboobs," can impact pets' respiratory health, especially for breeds with existing breathing issues. The state's wildfires also pose a threat, as smoke and ash can irritate the lungs and eyes of both cats and dogs.

When selecting pet insurance in Arizona, look for a plan that provides the most comprehensive coverage. Make sure it covers routine care, common illnesses, and local hazards specific to the state’s environment.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Grand Canyon State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially important in a state like Arizona, where pets may encounter unique hazards.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Having coverage for exam fees in Arizona can lead to significant long-term savings on veterinary costs.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Arizona Pet Laws

The Grand Canyon State's mix of deserts and forests offers a unique setting for pets and their owners. To ensure safety, the state has comprehensive animal control laws that are important to know if you live or plan to move there with your pet. Here are some of the key regulations Arizona pet owners should be aware of:

• Rabies vaccination. Dogs and cats over three months old must be vaccinated against rabies. The vaccination must be administered by a licensed veterinarian. Failure to vaccinate can result in the dog being quarantined at the owner's expense.
• Dog licensing. Dogs over three months old must be licensed. Licenses must be renewed annually, and fees are typically lower for spayed or neutered dogs.
• Leash laws. Dogs must be kept under control when off the owner's property. This usually means being on a leash, though specific requirements may vary by municipality.
• Bites and attacks. Dog owners are liable for damages if their dog bites someone, regardless of whether the dog has shown any previous vicious tendencies. There are exceptions if the person bitten was trespassing or provoking the dog.
• Animal cruelty. Arizona has strict laws against animal cruelty. It's illegal to intentionally, knowingly, or recklessly subject any animal to cruel neglect or abandonment. Penalties can include fines and imprisonment.

Phoenix Pet Laws

With its mix of urban streets, desert landscapes, and dog-friendly parks, Phoenix is a unique place for pet ownership. The city’s animal laws aim to ensure safety, harmony, and responsible pet care, protecting both residents and their furry friends. Here are some of the important rules you should know:

• Animal licensing. All dogs over three months of age must be licensed with the city. Owners need to provide proof of a current rabies vaccination to obtain a license, and the tag should be always attached to the dog’s collar to show compliance.
• Rabies vaccination. It's mandatory for dogs three months and older to be vaccinated against rabies by a licensed veterinarian. This protects not only your pet but also the community from potential outbreaks.
• Restraint requirements. Dogs must be kept under control at all times and are not allowed to roam freely. When outside, they should be confined to your property or leashed. Dog parks are an exception where they can be off-leash within the designated area.
• Barking or howling dogs. Persistent barking or howling that disrupts neighbors is considered a violation. Fines can be imposed if your dog habitually disturbs the peace, so it's important to manage your pet's behavior.

Tucson Pet Laws

Tucson is a city where outdoor spaces and urban life come together, and local pet laws are in place to keep animals and residents safe. Here’s what pet owners in Tucson should know:

• Animal registration. All dogs over three months old must be licensed. Owners need to show proof of current rabies vaccination to get the license, and the tag must always be attached to the dog’s collar.
• Animals at large. Dogs are not allowed to run freely within the city limits. For the safety of both the animals and the community, they must be kept on a leash when outside or confined to the owner's property, such as a securely fenced yard. Violations of this regulation can result in the impoundment of the animal or fines for the owner.
• Dangerous animals. An animal is deemed dangerous if they have been declared vicious or display threatening behaviors like biting or chasing. Exceptions include law enforcement, zoo, and veterinary animals. Owners must comply with regulations, including confinement and insurance, or face penalties.
• Dog waste removal. Owners must clean up after their dogs in public spaces to maintain cleanliness, with exceptions for the blind, those with mobility disabilities, and law enforcement with police dogs.

Mesa Pet Laws

In Mesa, responsible pet ownership is essential to keeping the city’s vibrant and family-friendly environment safe for everyone. The city's pet laws ensure that dogs and cats are well-cared for and don’t pose risks to others. Here are some important regulations for Mesa pet owners:

• Rabies vaccination and licensing. All dogs must be vaccinated against rabies and licensed with the city. Keeping vaccinations up to date is not only a legal requirement but also protects pets and the community.
• Leash laws. Dogs must be on a leash whenever they’re in public spaces, except in designated off-leash areas. This helps prevent unexpected encounters and accidents.
• Noise control. Excessive barking, especially in residential areas, is considered a violation. Pet owners are encouraged to address nuisance barking to avoid fines and complaints.
• Waste disposal. Dog owners are responsible for cleaning up after their pets in public areas. Proper waste disposal helps keep the community clean and enjoyable for everyone.

Common Pet Risks in Arizona

Arizona’s diverse landscapes and extreme weather present significant risks to pets. From the sweltering heat of the deserts to the sudden chill of northern winters, pet owners must be prepared for a variety of dangers. Understanding these risks is vital for keeping your furry friends safe and healthy.

• Venomous wildlife. Arizona's deserts host venomous creatures like rattlesnakes, scorpions, and Gila monsters. Encounters can occur even in residential areas, so always supervise pets during outdoor activities.
• Cacti and desert plans. Curious pets may suffer from cactus spines embedded in their skin or paws. Keeping pets away from prickly plants during hikes can help avoid these injuries.
• Extreme heat. Arizona's summer temperatures can lead to dehydration, heatstroke, and burned paw pads from hot surfaces. Walk pets during cooler hours and ensure they have plenty of fresh water.
• Cold weather risks. In northern parts of the state, winter temperatures can plummet, leading to risks of frostbite for pets not accustomed to the cold. Providing warm shelter and protective gear is essential.
• Dust storms and air quality. Frequent dust storms, or “haboobs,” can harm pets' respiratory health, especially those with existing conditions. Keeping pets indoors during storms helps protect their lungs.
• Wildfires and smoke. Year-round wildfires bring smoke and ash, which can irritate pets’ lungs and eyes. Minimizing outdoor exposure during poor air quality days and having an evacuation plan in place is essential.

Veterinary Costs in Arizona

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Arizona is $69. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Arizona

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Arizona:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Arizona. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Arizona FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens