Get the Best Pet Insurance in Arkansas in 2025
Sponsored by Figo Pet Insurance
If you’re a pet parent in Arkansas, finding the right pet insurance can feel overwhelming. With so many providers offering different coverage options, deductibles, and add-ons, it can be tough to figure out what’s best for your furry friend without stretching your budget.
This guide is here to simplify the process for pet owners in the Natural State. We’ll explore the types of coverage available, average costs, and some of the common health issues pets face in Arkansas.
Pet insurance is an essential part of ensuring your pet gets the best pet care, especially when unexpected health issues arise. By the time you’re done reading, you’ll have the information you need to choose a plan that keeps your pet healthy while giving you peace of mind.
Summary: Best Arkansas 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 12/17/2024 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 Arkansas?
According to our research, Arkansas pet insurance costs an average of $31 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 $43 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 Arkansas cities: Little Rock, a major urban center, and Marion, an average-sized city for the state.
It's important to note that your own Arkansas 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 or not 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 Arkansas
Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Arkansas is $31 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $43 monthly.
Cost of Pet Insurance in Arkansas 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 Arkansas:
Cost of Pet Insurance for Cats in Arkansas
Pet insurance for cats is significantly cheaper than dog insurance in Arkansas. The average monthly cost for cat insurance in the state ranges from $9 to $25, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.
Cost of Pet Insurance in Arkansas 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 Arkansas pet insurance, here are the average monthly rates for these breeds:
Cost Comparison for Pet Insurance Companies in Arkansas
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. Many plans also cover the cost of annual check-ups, which are vital for monitoring your pet’s overall health and catching potential issues early.

Pre-Existing Conditions
Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners 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 Arkansas
Arkansas’s natural beauty and changing seasons offer plenty of outdoor adventures for pets, but they also bring unique challenges.
Hot, humid summers can quickly lead to heatstroke and dehydration, making proper hydration and shade a must. At the same time, ticks and mosquitoes thrive in the state, increasing the risk of Lyme disease, heartworm, and other illnesses.
Beyond weather and pests, Arkansas’s wildlife, including snakes and raccoons, poses threats, particularly for pets in rural or wooded areas. Encounters with these animals can lead to injuries or health issues, so supervision is key.
Water hazards are another concern, as harmful algal blooms in lakes and ponds can be dangerous for pets that swim or drink from them. Additionally, Arkansas's severe weather like tornadoes and floods can create sudden emergencies, making preparedness essential for pet safety.
Choosing pet insurance that covers preventive care, emergency treatments, and seasonal hazards ensures your pet is protected from the unique risks of life in Arkansas.
Here are some important features to keep in mind when selecting the best pet insurance plan in the Natural 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 Arkansas, where weather and environmental hazards can pose risks to pets.
- 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. While veterinary costs in Arkansas are generally lower than in many other states, having coverage for exam fees can lead to significant long-term savings.
- Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.
Arkansas Pet Laws
From the stunning Ozark Mountains to the scenic Buffalo National River, Arkansas is a haven for outdoor enthusiasts and animal lovers alike. To promote responsible pet ownership and safeguard the community, Arkansas enforces these important pet regulations:
- Animal cruelty laws. Arkansas prohibits cruelty to animals, including abandonment, mistreatment, and failure to provide food, water, or adequate shelter. Injuring or killing another person’s animal without consent is also illegal. Aggravated cruelty to a cat, dog, or horse, such as torture, is classified as a Class D felony.
- Dog licensing and control. Municipalities in Arkansas regulate dog ownership, including licensing and preventing dogs from running at large. Dogs found in violation may be impounded or destroyed, but owners must be given at least five days' notice if the dog has identification.
- Wolf-hybrid ownership. Owners of wolf-dog hybrids must follow rabies vaccination and confinement rules, including specific fencing requirements. Improper confinement that leads to injury or a bite can result in a Class A misdemeanor.
- Pet trusts. Arkansas law allows the creation of trusts to care for pets during the owner’s lifetime. These trusts end when the pet or the last surviving pet covered by the trust passes away.
- Retail pet stores. Arkansas law allows the creation of trusts to care for pets during the owner’s lifetime. These trusts end when the pet or the last surviving pet covered by the trust passes away.

Little Rock Pet Laws
Little Rock, nestled along the Arkansas River and home to landmarks like the Clinton Presidential Library, has clear pet laws to protect both residents and their furry companions. Here are the key regulations every Little Rock pet owner should know:
- Licensing requirements. All dogs and cats over five months old in Little Rock must be licensed annually. Owners pay a license fee to the city and receive a metal tag with a unique serial number, which must be securely attached to the animal’s collar or harness at all times.
- Rabies vaccination. Arkansas law mandates rabies vaccinations for all dogs and cats over five months old. Owners must provide proof of vaccination upon request by the Division of Animal Services or animal services officers.
- Confinement rules. Dogs must be securely confined within the owner’s property using fences, leashes, or other proper methods of restraint. Tethering to a stationary object is prohibited, but trolley systems or cable runs are allowed if they meet specific guidelines. Free-roaming cats must be microchipped and sterilized unless a veterinarian certifies otherwise.
- Dangerous animals. Animals can be designated as dangerous if they attack a person, injure another animal, or display menacing behavior. Owners of dangerous animals must follow strict confinement rules, obtain special permits, and may face additional restrictions.

Fayetteville Pet Laws
Set in the beautiful Ozarks and home to the University of Arkansas, Fayetteville works to keep pets and people safe through its city pet laws. Here are some important animal laws every Fayetteville pet owner should keep in mind:
- Microchipping and registration. All dogs and cats aged four months or older must be implanted with an RFID microchip and registered with Fayetteville's Animal Services Division. Owners must update their contact information with Animal Services as needed.
- Rabies vaccination. Fayetteville requires all dogs and cats to be vaccinated against rabies by a licensed vet, as mandated by Arkansas law. Pets must wear a metal rabies tag on their collar or harness.
- Confinement and leash laws. Dogs and cats are not allowed to run at large within city limits. Pets must be confined to the owner's property or restrained by a leash, trolley system, or enclosure when off-property, ensuring they have ample room to move comfortably. At public events with 100 or more attendees, leashes must be no longer than 6 feet, and pets must remain within 4 feet of their owner. Chaining or staking a dog to a fixed point is prohibited.
- Dangerous animals. An animal may be classified as dangerous if it approaches a person or domestic animal aggressively without being provoked in a public place. Owners of dangerous animals must confine them in a locked enclosure and comply with strict rules regarding muzzling, leashing, and posting warning signs.

Fort Smith Pet Laws
Fort Smith, known for its rich history and scenic spot on the Arkansas River, has specific pet laws to keep animals and residents safe. Here’s an overview of important regulations for pet owners in the city:
- Licensing and microchipping. All dogs and cats must have a microchip for identification unless they're always leashed or securely confined. Pets must also be sterilized unless kept leashed or within a secured building, enclosure, or yard.
- Rabies vaccinations. Pets over four months old must be vaccinated against rabies by a licensed veterinarian. Proof of vaccination is required to reclaim an impounded animal, and unvaccinated pets cannot be redeemed unless vaccinated at the impound facility.
- Animal waste. Pet owners are responsible for cleaning up after their animals on public or private property. While walking pets, owners must carry tools for removing and disposing of waste properly.
- Aggressive and vicious animals. Animals may be labeled aggressive or vicious based on complaints or animal control reports. Aggressive animals must comply with safety regulations, which include being securely confined, wearing a muzzle, and having clear warning signs displayed. Owning or keeping a vicious animal is not allowed.
Common Pet Risks in Arkansas
Arkansas’s mix of forests, wetlands, and urban areas presents a variety of risks for pets. Whether enjoying the outdoors or staying closer to home, Arkansas pet parents should be aware of these common challenges throughout the state.
- Heat-related illnesses. Arkansas’s hot, humid summers put pets at risk of heatstroke and dehydration, especially during outdoor activities. Signs include excessive panting, lethargy, and drooling. Providing fresh water, shade, and limiting activity during peak heat hours can help keep pets safe.
- Tick and mosquito-borne diseases. Arkansas has some of the highest rates in the nation for tick-borne diseases, including Rocky Mountain Spotted Fever (RMSF), Ehrlichiosis, and Tularemia. Ticks in the state can also spread illnesses like Lyme disease, while mosquitoes transmit heartworm disease. Year-round preventative treatments and regular tick checks are key to protecting your pets from these serious risks.
- Wildlife encounters. Pets in Arkansas may encounter wildlife such as snakes, raccoons, bobcats, and black bears. Venomous snakes like copperheads and rattlesnakes are a particular concern, as bites can cause severe injuries. Supervision during outdoor activities can help reduce risks.
- Harmful algal blooms (HABs). Lakes and ponds in Arkansas can develop harmful algal blooms, especially during warm months. These blooms can release toxins harmful to pets if ingested. Avoid letting pets swim or drink from water with visible algae growth.
- Severe weather. Arkansas frequently experiences tornadoes and flash floods, which can create sudden emergencies for pets. Preparing an emergency plan that includes provisions for pets is essential to keep them safe during severe weather events.
Veterinary Costs in Arkansas
According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Arkansas is $67. 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 Arkansas
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 Arkansas:
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 Arkansas. 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 Arkansas FAQs
Pet insurance operates similarly to human health insurance. After choosing a plan, you pay a monthly premium to keep coverage active. If your pet needs veterinary care, you first pay out of pocket then submit a claim to your insurance provider.
Depending on your policy details, you may be reimbursed for a significant portion of the cost, after meeting any deductible and considering your reimbursement rate and policy limits.
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
* Average prices were calculated using research based on quotes obtained from publicly available quote tools, utilizing Arkansas zip codes. Specifically, quotes were gathered for Little Rock (72204) and Marion (72364). The quotes were generated for a 3-year-old male mixed-breed dog with a $250 deductible, 80% reimbursement rate, and a standard Accident and Illness plan. The quotes were obtained during the period of December 11 – December 17, 2024.
** Average prices were calculated using research based on quotes obtained from publicly available quote tools, utilizing Arkansas zip codes. Specifically, quotes were gathered for Little Rock (72204) and Marion (72364). The quotes were generated for a 3-year-old male mixed-breed cat with a $250 deductible, 80% reimbursement rate, and a standard Accident and Illness plan. The quotes were obtained during the period of December 11 – December 17, 2024.
The information presented in this article is for educational and informational purposes only and does not constitute or substitute for the advice of a veterinarian.