Best Pet Insurance In Arizona

Pros

• Short accident plan waiting period of just three days
• Wide array of deductible options
• Multiple reimbursement amounts
• 24/7 pet telehealth line available
• Routine wellness plans available
• Multi-pet discounts are available for 5% per pet
• Direct payments to your vet might be available (when your vet signs a reimbursement release)

Cons

• Lengthier 6-month waiting period for cruciate ligament complications

Between excellent coverage and an equally reasonable price, Pets Best is a worthwhile consideration for Arizona pet parents. This provider offers a full range of policies, coverage amounts, reimbursement choices, and deductible choices for optimal customizability.

Coverages

• BestBenefit accident and illness
• Accident only
• Routine care

Claims process

• Online through the Pets Best website or mobile app or through fax, email, or standard mail

Coverage details

• The BestBenefit Accident and Illness plan delivers the most comprehensive coverage, extending to broken bones, foreign object ingestions, arthritis, cruciate ligament injuries, cancer, prescription medications, diagnostics, dental, end-of-life expenses, and much more.
• The accident-only coverage covers emergencies like broken bones, accidental swallowing, snake bites, and similar accidental instances.
• The routine care plan is available as an add-on for an additional cost and comes in two tiers: EssentialWellness and BestWellness.
• The routine care plans cover expected expenses, including vaccinations and dental cleanings.

Pros

• Short waiting period for accident and illness coverage
• Quick turnarounds on claim payouts
• Covers exam fees in accident and illness visits
• Waiting period in accident and illness plans shortens to 24 hours for customers switching from another insurer

Cons

• Restricted service areas, although it plans to expand
• No behavioral therapy coverage
• Limited coverage for older pets

Despite its relative newness in the pet insurance industry, ManyPets has quickly become a strong contender with its out-of-the-box and valuable coverage features. Its competitive pricing, unlimited annual coverage, and substantial coverage scope make it worth a look.

Coverages

• Accident and illness
• Optional wellness add-on

Claims process

• Online via the ManyPet portal or by phone

Coverage details

• The accident and illness policies cover diagnostics, medications, procedures, hospitalizations, emergency care, and more.
• Wellness policies cover vaccines, vitamins, supplements, preventative tests and medications, and dental cleanings.
• The annual coverage cap in wellness plans is $600, which is divided into categories.

Pros

• Quick turnaround times for claim approvals with AI-powered processes
• Wellness plans available
• Brief waiting period on accident coverage of 2 days
• Numerous maximum annual coverage cap options
• Live chat is available for pet health questions from 6 a.m. to 12 a.m. ET

Cons

• No coverage for prescription food, microchipping, or stem cell treatment
• Coverage excludes behavioral and alternative therapies
• Vet exam fee coverage is an add-on, not standard in coverage

Affordable monthly premiums, numerous annual coverage caps, and multiple reimbursement options make Lemonade an excellent choice for pet parents on a budget. The AI-powered design of the app allows for quick and easy enrollments and claims processes.

Coverages

• Accident and illness plans
• Preventative care
• Optional add-ons

Claims process

• Online via the Lemonade app

Coverage details

• The accident and illness plan covers related expenses, including hospitalization, lab work, diagnostics, emergency care, prescription medications, and procedures.
• The preventative care plans include various vaccines, medications, bloodwork, fecal tests, and spaying or neutering.
• Inclusions may vary in the preventative care plan based on your pet’s age, as kitten and puppy plans look different than adult plans.
• The add-on options include end-of-life costs, dental illnesses, and exam fees.

Pros

• 24/7 pet telehealth line
• Covers vet exam fees
• Wellness plans are available as standalone coverage
• 5% discounts for multi-pet homes and current Nationwide customers
• Pet Rx Express program offers preferred pricing on pet prescriptions at Sam’s Club and Walmart

Cons

• Limited annual coverage limits and deductibles
• 12-month waiting period for meniscus or cruciate ligament injuries
• Coverage excludes end-of-life expenses

Nationwide pet insurance offers remarkable coverage with unlimited annual caps, multiple reimbursement choices, and a wide array of policies. Its policies even cover exotic pets and avians, making it an excellent choice for those with feathered or scaly pets.

Coverages

• Whole Pet
• Major Medical
• Accident only
• Avian and Exotic pet

Wellness

Claims process

• Online via Nationwide website or through email, fax, or standard mail

Coverage details

• The Whole Pet plan offers the most comprehensive coverage, extending to accidents, illnesses, hereditary conditions, diagnostics, holistic therapies, procedures, and standard care.
• Major Medical is similar to the Whole Pet plan, although it excludes a few coverages, such as certain hereditary conditions and developmental disorders, by scaling back the coverage.
• The Accident-Only plan sticks to emergent medical situations, like broken bones or lacerations.
• The Avian and Exotic Pet plan covers various pets, such as hamsters, potbellied pigs, iguanas, chinchillas, snakes, and geckos.
• The exotic plan covers accidents, illnesses, examinations, hospitalizations, lab fees, prescription medications, and specific diagnostics.
• The Wellness plan adds extra coverage, such as deworming, microchipping, nail trims, biannual physical exams, fecal tests, and behavioral exams and treatment.

Pros

• 24/7 pet telehealth line
• Routine wellness plans available
• Brief 1-day waiting period on accident coverage
• The Figo Pet Cloud app helps owners find pet-friendly places and connect with other pet parents for fun activities.
• 100% reimbursement rate available
• Upgrade available to cover specific circumstances, such as pet loss due to theft or straying and vacation cancellation due to a pet emergency

Cons

• Coverage excludes dental illnesses
• Prescription food is only eligible for coverage if it’s treating bladder stones or crystals
• Deductibles vary based on pet age, and older pets only get higher deductibles

Between competitive pricing and impressively short waiting periods for accident coverage, Figo is an excellent choice for Arizona pet parents. It even helps pet parents find other pet owners and form social groups through its Pet Cloud app.

Coverages

• Accident and illness plan
• Wellness coverage
• Optional add-ons

Claims process

• Online via Figo’s Pet Cloud app or by phone, email, or fax

Coverage details

• The accident and illness package covers unexpected expenses, including emergency care, hereditary conditions, cancer, medications, hospitalization, diagnostics, rehabilitation, and procedures.
• The wellness add-on tacks on coverage for vaccinations, spaying or neutering, bloodwork, and similar expenses.
• The add-ons list adds a layer of customizability, allowing owners to add coverage for end-of-life expenses, boarding, pet theft or loss due to straying, and vet cancellation due to a pet emergency.