Pet Insurance in Arizona: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Having the best pet insurance in Arizona ensures that your pet gets good medical care in case of an injury, accident or illness. With a pet insurance policy, you won’t have to worry about hefty veterinarian bills and can focus on your pet’s health and recovery.

For this guide, MoneyGeek got pet insurance quotes from the major cities in Arizona, including Phoenix, Chandler, Gilbert and Tucson, to help you find a policy that fits your needs and budget. To find the best deals, you should always shop around and compare quotes and policy options from different pet insurance providers.

MoneyGeek researched the best pet insurance company in Arizona by comparing and analyzing thousands of pet insurance quotes from different providers across many different locations in the state. We also documented policy and coverage details for companies offering pet insurance in Arizona. MoneyGeek selected the best pet insurance companies in Arizona for their affordability and the policy options they offer that pet owners want and need.

The average cost of pet insurance in Arizona varies for dogs and cats. Your pet’s breed, age, location and policy coverage limits all affect it.

For a dog insurance policy in Arizona, the average cost is $32.59 per month with a $5,000 yearly limit, $58.96 per month for a $10,000 annual coverage limit, and $67.38 per month for unlimited coverage.

For a cat insurance policy in Arizona, it costs an average of $17.48 per month for a $5,000 annual limit, $29.65 per month for a $10,000 yearly coverage limit, and $42.05 per month for a policy with unlimited coverage.

MoneyGeek wants to help buyers in Arizona understand what options they can expect most companies in Arizona to offer for pet insurance policies:

• Annual reimbursement limits can range from $3,000 to unlimited
• The deductible is often $250 to $500 but can be higher or lower, depending on the company
• Bill reimbursement percentage is between 70-90%

Some pet owners in Arizona will look for less expensive pet insurance with lower coverage amounts to make the cost easier on their monthly expenses or because they don’t feel their pet needs much insurance coverage.

Then there are pet owners in Arizona who want a high pet insurance coverage limit to ensure the maximum protection for their pet. These policies, such as unlimited coverage, are generally more expensive, and the average pet owner may not need that much protection. But, if you don’t want to worry about veterinary expenses, an unlimited policy could be best.

MoneyGeek generally recommends the average coverage amount below for a pet insurance policy in Arizona.

To help you find affordable pet insurance in Arizona, MoneyGeek researched the companies in Arizona offering a low coverage policy with a $5,000 annual limit, $500 deductible and 80% reimbursement rate. In addition to the cheapest low coverage pet insurance policy in Arizona options, we found the cheapest average and unlimited coverage.

Generally, where you live has a significant impact on the cost of pet insurance. In Arizona, there are certain cities with a higher cost of living, so veterinary costs are also higher. As a result, the price of pet insurance is more than somewhere else. Arizona cities with a higher probability of a pet getting injured due to high traffic density, weather or other hazards may also have higher pet insurance costs. The cost of a pet insurance policy also depends on the policy coverage limit. With MoneyGeek’s analysis, you can find cheap pet insurance in any Arizona city.

MoneyGeek’s research shows that factors like your pet’s age, breed, location and policy coverage limit have a significant impact on the cost of pet insurance in Arizona. Below, we break down the common factors that affect pet insurance premiums to help you understand them better.

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet’s needs.

To determine the best pet insurance companies in Arizona, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Arizona and affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Arizona for four pet types with the following coverage levels:

• Low coverage: $5,000 coverage, $500 deductible, 80% reimbursement
• Average coverage: $10,000 coverage, $250 deductible, 80% reimbursement
• High coverage: Unlimited coverage, $250 deductible, 90% reimbursement