Choosing the right pet insurance company for you and your dog or other pets in Arizona can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?
Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Arizona and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:
Best Pet & Dog Insurance in Arizona
Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Arizona and across the USA. Simply scroll to the right to view all the brands:
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.
Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:
Arizona Pet Insurance FAQs
How Much Is Pet Insurance In AZ?
The price of pet insurance in Arizona depends on the breed, age, and zip code of your pet, as well as your financial situation and the coverage you choose. The average prices are between $17 and $141 per month. Puppies often get the lowest rates, so it’s smart to sign up within the first six months of owning your pet.
What Is Not Covered By Pet Insurance?
Pet insurance rarely covers pre-existing conditions. Other injuries or diseases may be covered even if your pet has a pre-existing condition. Others cover treatable illnesses but may not cover wellness checks. There are pet insurance programs that cover neutering and spaying, albeit it is rare. This service is usually an add-on for coverage providers, as is wellness care.
Here’s our List of the Best Pet Insurance for Dogs!
How Does Pet Insurance Work?
As with other insurance, coverage has some adjustment periods and stipulations. Companies require a health checkup and a waiting time before coverage begins. Additionally, you must pay the vet fee out of pocket before filing a claim. If your claim is approved, insurers will deposit the money in your account or mail a cheque. Plan structure determines your reimbursement. The main parts are deductibles (the amount you pay per year for coverage) and compensation (what the insurance company pays you for claims).
What Is Considered A Pre-Existing Condition In Arizona?
Pre-existing conditions are not covered by any pet insurance company, but they will never prohibit you from getting pet insurance. Your coverage possibilities will be determined by whether or not your pet’s pre-existing disease is treatable. Any chronic illness that starts before an insurance policy kicks in counts as a pre-existing condition.
Is It Worth Getting Pet Insurance For Dogs In AZ?
Pet insurance can assist with the cost of animal health issues such as accidents and disease. Most families cannot afford to pay these charges out of pocket due to the high cost of veterinarian services. However, it is worthwhile to purchase insurance since it gives the funds required to pay exorbitant pet health bills. Arizona vet bills are around 25 percent more expensive than the national average.
In addition, dogs in Arizona are more vulnerable to environmental hazards that affect their health. Some of the dangers in the state include rattlesnakes, scorpions, heat stroke, javelinas, foxtails and cactus, bugs, and mosquitoes. Dogs can also get cuts, bites, and burns on their feet, capable of removing the pads on a dog’s feet or causing blisters.
What Pet Insurance Is Most Widely Accepted In Arizona?
In Arizona, the most well-known and popular pet insurance companies are accessible, and most veterinarian clinics accept them. The most widely accepted are Lemonade, ASPCA Pet Health, Pet’s Best, Petplan, Hartville, Metlife, and Figo. However, there are many more with fantastic options, including local smaller options.
Some insurance companies will pay the veterinarian up front, while others will repay customers after they have completed additional work for the pet owners. When signing up, look for the terms “refund” or ask the company directly. Trupanion, Pet’s Best, and Pet Plan are some companies that pay the veterinarian directly.
How Much Is Average Pet Insurance In AZ Every Month?
While many factors can change the price of pet insurance, you should budget between $30 and $60 on average in Arizona. Of course, the breed, age, and location of your dog can raise or lower this price. Rates for larger dogs can average around $120 a month.
What Are The Disadvantages Of Pet Insurance?
While pet insurance has many benefits, including saving thousands of dollars on medical expenses, firms have a yearly cap on covered costs. In addition, owners may be responsible for some of the costs related to accidents and illnesses. Even if you have insurance, you may need cash upfront to cover the expense before waiting for the insurer to reimburse you. Finally, just a few insurance companies cover standard medical therapy. Insurance does not cover all health concerns or routine appointments for health maintenance.
What Could Happen If You Lie About Pre-Existing Conditions For Pet Insurance In AZ?
The intentional filing of a false claim on a pet insurance policy with the purpose of defrauding is known as pet insurance fraud. It may be charged as a felony depending on the amount. It is not necessary for the false claim to be successful in receiving an insurance reimbursement. You may be held accountable for pet insurance fraud even if a fraudulent claim is denied.
Most states do not have a law specifically addressing pet insurance fraud. However, in some states, insurance fraud rules are wide enough to cover pet insurance as well. A conviction for pet insurance fraud carries varying penalties depending on the amount involved. Smaller amounts of money might be considered a misdemeanor. If the deception was discovered after the payment was paid, you will be required to pay restitution.
A previous conviction for pet insurance fraud can have unintended effects. Employers may view a conviction for pet insurance fraud as a sign of dishonesty. As a result, it is possible that financial institutions and insurance firms would refuse to work with you.
What Is A Normal Annual Deductible For Pet Insurance?
The deductible level you choose for your homeowners and vehicle insurance policies can greatly impact your premiums. The same may be said with pet insurance, and it may be a compelling argument to choose a larger deductible over a lower one. A deductible is the amount you must pay out of pocket before receiving reimbursement for a claim.
The most common type of deductible found in pet insurance plans is an annual deductible. Before the plan begins reimbursing you for veterinarian services, you must pay the set deductible amount out of pocket during a policy year. The option resets yearly, so you will have to pay the deductible each time the policy cycle renews.
Deductibles usually range between $50 and $1,000. The $250 deductible is the most popular among pet owners. Because annual deductibles are the most prevalent, we usually think of them when considering a pet insurance deductible. There are, however, different kinds of deductibles.
Most pet insurance companies will only apply costs to your deductible if they are due to covered incidents or illnesses. Non-covered expenses will not be deducted from your deductible. Routine care and anything related to a pre-existing condition, for example, would not be counted against the deductible. Always check with your pet insurance company to know exactly what they do and do not cover with your deductible to prevent issues in the future.
What Types Of Pet Insurance Are There?
Comprehensive pet insurance provides the most comprehensive coverage, including coverage for a myriad of issues. While it costs an average of $585 annually, it covers:
Treatment for diagnostic purposes
Medical assistance in an emergency
Accident-only pet insurance has fewer benefits, including no coverage for most illnesses. The average annual cost for accident-only coverage for dogs is $194.
This form of policy is suitable for situations that require immediate attention, such as:
Poisoning by accident
Many insurance companies include extra benefits, such as well-visits or dental care. These are often sold as add-on options to your package, although you can purchase wellness coverage separately to cover exams, microchipping, some vaccines, spay or neuter, and de-worming. Essentially, wellness coverage helps keep our pets healthy by covering a variety of routine and preventative care charges.
Does The Az Zip Code I’m In Affect Pet Insurance?
Your pet insurance prices are influenced by your state and even your zip code. This is because your geographic location can affect your ability to get qualified pet care and the expense of that care. The more expensive therapy is in your location, the more expensive your pet insurance will be.
Which Pet Insurance Company Does iHeartDogs.com Recommend?
Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.
What do iHeartDogs Readers Think About Pet Insurance?
Is Pet Insurance Worth It? - We asked  Dog Owners and Here's What They Said
Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise
Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth
Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer
Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo
My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy
With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit
Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi
I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member - Holly
I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda
Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda
Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon
Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan
Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy
Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela
Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica
Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea
Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe
More Popular Pet Insurance Resources
Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from iHeartDogs.com
- Compare Pet Insurance Quotes
- A Vet Explains What You Need To Know About Pet Insurance For Your Dog
- If You Don’t Have This Much Money Set Aside In An Emergency Fund, You Probably Need Pet Insurance
- Pet Insurance: Rip-Off Or Life-Saver?
- With Pet Insurance, Your Dog Is 4x More Likely To Survive A Medical Emergency
- Trupanion vs. Pets Best Pet Insurance: In-Depth Comparison
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.
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