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10 Best Pet Insurance Companies in Arizona: 2023 Reviews & Top Picks

Nicole Cosgrove Profile Picture

By Nicole Cosgrove

woman's hands over dog and cat cut-outs pet insurance concept

A major vet bill can have a nasty impact on your financial well-being. You may even have to dip your hand into your family’s emergency fund to afford medical services for your ill or injured pet. A pet insurance plan can give you invaluable peace of mind if you are worried about unexpected vet bills.

Some policies fall short, and their terms can limit the medical options available to your pet. Fortunately, numerous plans stand out for their coverage levels and broad health plan networks.

We did detailed research to unveil Arizona’s 10 best pet insurance plans. You can trust these policies to have your back if something goes wrong.

Check them out!

A Quick Comparison of Our Favorites in 2023

Rating Image Product Details
Best Overall
Trupanion Pet Insurance Trupanion Pet Insurance
  • Plans only available for cats and dogs
  • No wellness package
  • No coverage for vet exam fees
  • Best Overall
    Second place
    Lemonade Pet Insurance Lemonade Pet Insurance
  • Highly affordable & customizable plans
  • Preventative package available
  • Smooth and fast claim processing
  • Third place
    Spot Pet Insurance Spot Pet Insurance
  • Plenty of deductible options
  • Two unique wellness plans
  • No upper age limit
  • Fetch By The Dodo Pet Insurance Fetch By The Dodo Pet Insurance
  • Comprehensive accident and illness plan
  • Coverage for vet-recommended supplements
  • Well-designed app
  • Wagmo Pet Insurance Wagmo Pet Insurance
  • Wellness plans are standalone products
  • No upper age limit
  • Fast claims process
  • The 10 Best Pet Insurance Companies in Arizona

    1. Trupanion Pet insurance—Best Overall

    Trupanion Pet Insurance

    Deductible options: $0 to $1,000 per condition
    Maximum annual limit: Unlimited
    Reimbursement Level: 90%
    Waiting Period: 30 days for illnesses, 5 days for injuries

    Trupanion pet insurance offers one of the most comprehensive plans for cats and dogs. Some of the vet services the policy covers include bills for illnesses, accidents, injuries, hospitalization, and surgeries. We also picked Trupanion as our best overall for having no annual payout limit and a fixed reimbursement level of 90%.

    The deductible options range between $0 and $1,000. Trupanion does not set an annual deductible; instead, you’ll need to pay a per-condition deductible. The benefit of this option is that you only settle the deductible amount whenever your pet suffers a new condition. Once you pay the set amount in vet bills, Trupanion can pay your vet directly for subsequent treatments.

    While Trupanion does not provide a wellness package, it offers a Recovery and Complementary Care package as an add-on. This allows you to seek reimbursement for pet chiropractic care, physical therapy, naturopathy, rehabilitative therapy, hydrotherapy, and acupuncture. You’ll need to foot vet exam fees whenever your pet falls sick or is injured.

    • No annual payout limit
    • Up to 90% reimbursement level
    • Can pay your vet directly
    • Plans only available for cats and dogs
    • No wellness package
    • No coverage for vet exam fees

    2. Lemonade Pet Insurance—Best Value

    lemonade pet insurance

    Deductible options: 100 to $500 per year
    Maximum annual limit: $5,000 to $100,000
    Reimbursement Level: 70%, 80%, or 90%
    Waiting Period: 14 days for illness, 2 days for injuries

    Lemonade pet insurance offers reliable coverage at affordable monthly premiums. There are two accident and illness policies to choose from, and even the basic one covers illnesses like diabetes, arthritis, and cancer. Also, you can throw in the preventative care policy to manage the cost of vaccinations, wellness exams, and even worm and flea treatments.

    The wide range of coverage and reimbursement limits allows you to customize your plan and still enjoy the best value for your money. While coverage limits range between $5,000 and $100,000, the reimbursement percentage can be as low as 70% or as high as 90%. You can switch your plan to lower your premiums or even include add-ons like vet visit fees to reduce out-of-pocket expenses.

    Lemonade has one of the shortest waiting periods for accidents, at only two days. While the waiting periods for illnesses and cruciate ligament issues are average at 14 days and six months, respectively, the claims process is a breeze. Lemonade’s user-friendly app allows immediate reimbursement of up to 30% of filed claims. You must first pay your vet and then file a claim.

    • Highly affordable & customizable plans
    • Preventative package available
    • Smooth and fast claim processing
    • Only two days waiting period for injuries
    • Six months waiting period for cruciate ligaments
    • No direct payment to vets

    3. Spot Pet Insurance

    Spot Pet Insurance

    Deductible options: $100, $250, $500, $750, or $1,000 per year
    Maximum annual limit: $2,500 to unlimited
    Reimbursement Level: 70%, 80%, or 90%
    Waiting Period: 14 days for illness, 14 days for injuries

    Spot pet insurance offers accident and illness and accident-only plans for cats and dogs. It also provides gold and platinum preventative care plans, allowing you to seek reimbursement for bills related to dental cleanings, wellness exams, and more. It is our premium pick for having an unlimited annual coverage option and a range of deductible and reimbursement levels.

    Spot imposes no deductible for its preventative care plans. The two standard policies have five deductible options ranging between $100 and $1,000 yearly. Depending on your chosen option, you can customize your premiums or limit your out-of-pocket expenses. With no upper age limit or breed restrictions, you can insure any cat or dog as long as they are at least eight weeks old.

    Furthermore, Spot does not impose blanket exclusions on all pre-existing conditions. You can file claims for subsequent vet bills if a condition is considered cured for at least three months. The company does not offer direct vet payments. Hence you need to settle your vet bill and then seek reimbursement.

    • Plenty of deductible options
    • Two unique wellness plans
    • No upper age limit
    • Coverage for cured pre-existing conditions
    • Coverage for cats and dogs only
    • No direct vet payment

    4. Fetch By The Dodo Pet Insurance

    Fetch logo

    Deductible options: $250, $300, or $500
    Maximum annual limit: $5,000, $15,000, or unlimited
    Reimbursement Level: 70%, 80%, or 90%
    Waiting Period: 15 days for illness, 15 days for injuries

    Fetch by The Dodo does not offer a preventative care package, meaning you have to foot the bills for vaccinations, teeth cleaning, and desexing your pet. Still, it is a worthy contender on our list for having a detailed illness and injury plan.

    Unlike most insurers, this company’s coverage extends to services like acupuncture, chiropractic care, behavior issues treatment, and supplements.

    Furthermore, Fetch covers pet boarding fees when a pet parent is hospitalized. The company offers reimbursement for costs related to advertising and gives a reward if your pet gets lost or is stolen. If you commit to taking your pet for annual wellness checkups, it offers coverage with no annual limit.

    Fetch has a well-designed app that simplifies the claim process. The company does not pay vets directly, although you can scan the relevant documents and conveniently file your claim through the app. A 24/7 chat feature on the app allows you to contact the company if you have any questions or queries.

    • Comprehensive accident and illness plan
    • Coverage for vet-recommended supplements
    • Well-designed app
    • No multi-pet discounts
    • No wellness plan
    • No direct payments to vet

    5. Wagmo Pet Insurance



    Deductible options: $250 to $1,000
    Maximum annual limit: $20,000
    Reimbursement Level: 100%
    Waiting Period: 15 days for illness, 15 days for injuries

    Wagmo offers an accident and illness plan, although its signature products are wellness packages. There are three unique plans, namely the Value, Classic, and Deluxe policies. Your pet can enjoy coverage for dental care, routine exam fees, vaccinations, and grooming, depending on your chosen plan.

    You can secure a policy for your cat or dog, irrespective of age. Because the wellness packages are standalone products, you don’t have to enroll in the accident and illness plan to qualify. However, you must beware that Wagmo charges an enrollment fee of $10 to $25, depending on the state and county of residence.

    The claims process is one of the fastest in the industry. Wagmo reimburses wellness claims in as little as 24 hours. Accident and illness claims take longer and are refunded within seven days. When filing your claims, keep an eye on the payout limits. Wagmo has a $10,000 per incident limit, a $20,000 annual limit, and a $100,000 lifetime limit.

    • Wellness plans are standalone products
    • No upper age limit
    • Fast claims process
    • Charges an enrollment fee
    • $100,000 lifetime limit

    6. Pumpkin Pet Insurance

    Pumpkin Pet Insurance Logo

    Deductible options: $100, $250, or $500
    Maximum annual limit: $7,000 to unlimited
    Reimbursement Level: 90%
    Waiting Period: 14 days for illness, 14 days for injuries

    Pumpkin pet insurance offers highly customizable plans for cats and dogs. You can enroll your pet, irrespective of age, and choose from maximum annual limits of between $7,000 and unlimited. Furthermore, the deductible options range between $100 and $500. With no lifetime or annual limits, you can customize your plan to suit your budget without skimping on the quality of care for your pet.

    Apart from an accident and illness plan, Pumpkin offers a Preventive Essentials package as an add-on. Including the package in your policy can help you further manage your pet’s health care expenses. The plan covers an annual wellness checkup, vaccinations, parasite treatments, and more.

    An aspect that makes Pumpkin stand out is the customer experience offered. The company has a user-friendly website where you can scroll through the cost of coverage for cats, kittens, dogs, and puppies. You can also file claims through the website or request a direct vet payment. Unfortunately, Pumpkin doesn’t have an app.

    • A range of deductible and annual limit options
    • Preventative care package available
    • User-friendly website
    • Coverage for canines and felines only
    • No app

    7. Embrace Pet Insurance

    Embrace Pet Insurance

    Deductible options: $200, $300, $500, $750, or $1,000
    Maximum annual limit: $5,000 to $30,000
    Reimbursement Level: 70%, 80%, or 90%
    Waiting Period: 14 days for illness, 2 days for injuries

    Embrace Pet Insurance offers a detailed accident and illness plan that covers everything from dental trauma to hip dysplasia. The company also understands that accidents can happen unannounced and have a short waiting period of only two days. Even though the waiting period for illnesses is 14 days, the shorter span for accidents is a welcome perk.

    Embrace offers an accident-only and wellness package besides the accident and illness plan. The wellness plan allows you to seek 100% reimbursement for costs related to prescription diets, vaccinations, vet visits, and more. You can choose from $250, $450, or $650 annual reimbursement levels and save substantial amounts each time you deplete your annual reimbursement allowance.

    In terms of customer experience, Embrace has an easy-to-navigate website and a highly-rated app. You can file claims on these platforms, update your policy or calculate the remaining deductibles and annual limits. The claims process is not the fastest in the industry and could take between 10 and 15 days.

    • Comprehensive accident and illness plan
    • No copayment for the Wellness plan
    • Only a two day waiting period for accidents
    • Wellness package available
    • 10 to 15 days claims process

    8. Nationwide Pet Insurance

    Nationwide Pet Insurance

    Deductible options: From $250
    Maximum annual limit: $10,000
    Reimbursement Level: 50%, 70%, or 90%
    Waiting Period: 14 days for illness, 14 days for injuries

    Nationwide is among the industry’s most well-established and reputable pet insurance companies. It also sets itself apart by offering policies for more than just cats and dogs. If you have rare pets like birds, reptiles, or rodents, you should consider investing in the company’s Avian & Exotic Pet policy.

    There are two unique accident and illness policies available. While one has an annual reimbursement limit, the other allows a set reimbursement limit per condition. You can also manage your vet costs further by including the wellness package. The company only allows enrollment for pets below the age of ten.

    Like most pet insurance companies, Nationwide does not offer coverage for pre-existing conditions. However, the company provides coverage for any pre-existing conditions considered treated for at least six months.

    • Well-established and reputable company
    • Coverage available for exotic pets
    • Pre-existing conditions not permanently excluded
    • Enrollment age limit (10 years old)

    9. Healthy Paws Pet Insurance

    Healthy Paws Pet Insurance

    Deductible options: $100 to $1,000
    Maximum annual limit: Unlimited
    Reimbursement Level: 70% to 90%
    Waiting Period: 15 days for illness, 15 days for injuries

    Healthy Paws pet insurance stands out for having one of the fastest claims processes. Once your claim is approved, it takes one or two days to receive reimbursement from the company. Moreover, the entire claims process is form-free, and you can conveniently submit scanned supportive documents through your smartphone.

    The standard accident and illness plan also stands out for having no payout caps. With most insurance companies having annual, per-incident or lifetime coverage caps, the unlimited claim payout is a welcome feature. Unfortunately, the company has no wellness package.

    The waiting periods for accidents and illnesses are an average of 15 days. You have to wait six months before coverage for conditions like hip dysplasia to kick in. On the bright side, Healthy Paws can pay your vet bills directly once your pet is eligible for coverage.

    • Fast and form-free claims processing
    • No payout caps on standard plan
    • Pays vet directly
    • No wellness package

    10. Figo Pet Insurance

    FIGO Pet Insurance

    Deductible options: $100 to $1,500
    Maximum annual limit: $5,000, $10,000, or unlimited
    Reimbursement Level: 70% to 100%
    Waiting Period: 14 days for illness, 14 days for injuries

    Figo has a comprehensive accident and illness policies and an equally detailed wellness plan. The available packages compensate for the company’s lack of an accident-only plan. Coverage is available for non-routine dental treatments, prescription medications, orthopedic conditions, and more.

    Another aspect that stands out is the availability of extensive coverage, generous reimbursement options, and a range of deductibles. This makes policies from the brand easy on the wallet, especially for those on a budget.

    Navigating Figo’s website is a breeze, and you can find plenty of information about your policy. The company also has a pet cloud app that allows timely filing and tracking of claims. You can also access a vet 24/7 through the live chat tool.

    • Affordable and highly customizable plans
    • Generous reimbursement options
    • 24/7 pet Healthline available
    • No accident-only plan

    Buyer’s Guide: Choosing the Best Pet Insurance Plan in Arizona

    We used a keen rating methodology to handpick Arizona’s best pet insurance plans. Our goal is to build trust by providing accurate and transparent information. Some relevant metrics we used to give different pet insurance brands a fitting score include the following:

    • Pet eligibility criteria (10 points)
    • Range of coverage (25 points)
    • Cost of premiums (15 points)
    • Plan options & customization (25 points)
    • Waiting periods (15 points)
    • Customer service (10 points)

    Let’s have a deeper look at some weighty aspects you must consider when searching for the best healthcare coverage for your beloved pet.

    couple with a dog getting a pet insurance
    Image Credit: RobertKneschke, Shutterstock

    Policy Coverage

    Policy coverage refers to the unforeseen vet bill an insurer will reimburse. Insurance companies vary based on the covered conditions and exclusions in each plan. Most policies cover lab and diagnosis, treatment, hospitalization, and medication. Others go a notch higher to include coverage for alternative therapies like acupuncture and hydrotherapy.

    It is always a good idea to choose a plan that has few conditions excluded from coverage. For instance, irrespective of the age of your pet and its medical history, it’s better to opt for a policy that offers coverage for hereditary or congenital conditions.

    Before you choose a plan that offers coverage for conditions your pet may be prone to, consider the waiting period. Unfortunately, ridiculously lengthy waiting periods are as bad as exclusions. For instance, if your German shepherd has to wait for 12 months before receiving treatment for hip dysplasia, you may as well consider the condition excluded from your policy.

    Customer Service & Reputation

    The reputation of a prospective pet insurer is an aspect you must pay attention to. Generally, dealing with companies that have been in business for longer and are available in multiple states is safer. Also, consider companies with a good Better Business Bureau (BBB) rating and commendable customer reviews.

    Generally, it takes serious heavy lifting for any pet insurer to build a solid reputation. Reputable companies invest heavily in innovation and are easily accessible through multiple platforms, including their email, website, and mobile app. They offer the best customer service, quick reimbursement processes, and more!

    man signing pet insurance policies
    Image Credit: Drazen Zigic, Shutterstock

    Claim Repayment

    A lengthy and complicated claim process can be nerve-wracking, especially when you are focused on nursing your pet back to health. Choosing an insurer that offers a smooth, simplified and convenient repayment process is imperative.

    Companies like Lemonade Pet Insurance have an app that makes claim processes more straightforward.

    Generally, there are two ways to file a claim. One involves requesting reimbursement after you have settled your vet bill. You will need to file a claim form, submit it with the supporting documents and wait for compensation via check or a direct deposit to your bank.

    The second process involves your insurer making direct payments to your vet. Companies like Trupanion offer this option where you don’t need to make an out-of-pocket payment if the vet agrees.

    Among the key reasons we chose Trupanion as our best overall is that the company has a simplified claim processing system. Through Trupanion Express, vets can submit claims through a web-based system for quicker approval of the services needed. Make sure the insurer you choose has a claim process convenient for your financial situation.

    Price of Policy

    The price of a policy will highly depend on the plan type you choose. Most providers offer accident and illness plans, although some don’t provide accident-only and even pet wellness policies. Choosing an insurer that offers the coverage you deem necessary for your pet is imperative. Also, find out what the policy covers and what is excluded.

    There are three crucial aspects you must consider when evaluating the cost of a policy.

    • Annual limit: the total amount you can be reimbursed in a year
    • Yearly deductible: the amount you need to pay in vet bills before you start getting reimbursed
    • Reimbursement percentage: the percentage of your vet bills that will be refunded once you meet your deductible

    On average, the monthly premium for insuring a canine is $35, while insuring a feline is $15. Deductibles range between $100–$500 per year, while reimbursement percentages range between 70% and 90%. Opting for a high annual deductible and lower annual limit can keep your premiums low, especially if you are on the budget.

    If you have more than one pet, companies like Spot offer multi-pet discounts of up to 10%. This can help slash a substantial amount off the price of the policies for multiple pets.

    pet insurance policy
    Image Credit: Rawpixel.com, Shutterstock

    Plan Customization

    Policy customization allows you to modify the monthly premiums to suit your financial means. Any modifications you make can impact the coverage level available for your pet if it falls ill or sustains an injury.

    Pet insurance costs are determined by numerous factors, some of which may not be in your control. For instance, the coverage offered and its price will depend on aspects like where you live, the species, breed, and age of your pet.

    While you cannot control factors like your pet’s age, you can manage your premiums through the deductible, annual limit, and reimbursement percentage you choose.

    For example, a higher deductible will lower your premiums. Likewise, a lower annual limit and reimbursement percentage will attract lower premiums. Companies offering a wide range of deductible, annual limit, and reimbursement level options allow better customization of individual pet insurance plans.

    You must consider aspects like your pet’s age and personality. It would be best to consider whether they are energetic, curious, and prone to illnesses or accidents.

    While you cannot predict the future, opting for a higher coverage is best if you have an older pet at greater risk of cognitive decline, arthritis, and other age-related health concerns. On the other hand, an adventurous pet is likely to be more accident-prone. The core benefit of flexible plans is that they allow modifying a policy to suit your budget and your pet’s unique needs.


    1. What if my insurance company is not listed in your reviews?

    If your pet insurer is not on our list, this doesn’t automatically mean their plans are below par. Our list is by no means exhaustive, and we merely listed the top 10 pet insurance companies in Arizona this year. Still, you must compare your current plan and its terms with the policies listed here. If necessary, switch to a superior policy.

    2. Which pet insurance provider has the best consumer reviews?

    Spot pet insurance is a Florida-based company that has gathered some of the best customer reviews. Policyholders commend it for having highly customizable plans, excellent customer service, and a fast reimbursement process.

    3. What is the best and most affordable pet insurance?

    Figo pet insurance company boasts a solid reputation for offering some of the most comprehensive yet affordable plans. There is also plenty of room for customization, ensuring you are in charge of managing your monthly premiums. The wellness plan is also reasonably priced and offers coverage for expensive treatments like bloodwork, desexing, and heartworm prevention.

    woman's hands over dog and cat cut-outs pet insurance concept
    Image Credit: Andrey_Popov, Shutterstock

    What the Users Say

    We hunted for the views of pet parents with insurance plans from our top three picks. Here is what they had to say.

    • Trupanion: “My dog needed surgery to remove a mast cell tumor. I submitted my first claim, and in two weeks, I got reimbursed for 90%. Trupanion is a great company.”
    • Lemonade: “We signed up our new puppy with Lemonade pet insurance and opted for the basic plan, vet visit coverage and the pup wellness coverage. We recently filed our first claim, and it was as easy as online shopping. Money was deposited in my bank account the next day.”
    • Spot: “I have had Spot for my cat for about a year. My experience is excellent, and the customer care team is courteous and helpful. We have never had a claim denied, and the reimbursement process is always quick.”

    Which Pet Insurance Provider Is Best for You?

    Pet insurance policies reimburse part of the entire vet bill when your pet falls sick or gets injured. These plans are not standardized, and their terms, level of coverage, and premiums can vary. It is imperative to shop around and compare different policies. The best pet insurance plan for you will depend on a combination of factors, including your budget and your pet’s unique needs.

    For instance, Trupanion pet insurance is our best overall for offering comprehensive coverage, a range of deductible options, and no coverage caps. The company can also pay your vet directly through Trupanion software. While this makes plans from the company ideal for most pet parents, those interested in a comprehensive wellness plan will find Spot pet insurance the better option.

    The pet insurers on our list rank as the top 10 for their coverage options, consumer experience, and more. Each has a unique edge, making it better for younger, older, or even pets with hereditary conditions. We encourage you to weigh each of these options and understand their unique features, pros, and cons to make a personalized final decision.

    border collie dog near pet insurance form
    Image Credit: Pixsooz, Shutterstock

    Final Thoughts

    When a major pet medical emergency strikes, how financially prepared are you? Whether an illness or accident, the right pet insurance plan in Arizona will ensure your pet receives the best care. Even if it needs life-saving surgery and extensive post-surgical care, your coverage will help manage your out-of-pocket expenses.

    If you want a highly customizable plan that lets you decide how you unleash your dollars, we recommend settling for our best overall. Trupanion Pet Insurance allows customization of deductibles from $0 to $1,000. Our premium choice, Spot Pet Insurance, offers an unlimited coverage option and even includes services like microchipping in its standard plans.

    Featured Image Credit: Andrey_Popov, Shutterstock

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