Pet Insurance in Arizona
Under general property and casualty law, the Arizona Department of Insurance & Financial Institutions regulates pet insurance Arizona residents can use.
- Legal status No pet-specific statute exists.
- Regulator Arizona Department of Insurance and Financial Institutions
- Complaint filing: File your complaint.
The sources are: Arizona Department of Insurance and Financial Institutions home page, Arizona Department of Insurance and Financial Institutions: file a complaint, state page chart for NAIC Pet Insurance Model Act (#633), and NAIC white paper on Pet Insurance (publication-pin-op-pet-insurance).
State lawmakers haven't passed a pet insurance law of their own, so the state insurance department oversees these plans under standard property rules. The written contract from your insurer spells out when coverage begins, what it leaves out, and how refunds are handled. According to NAPHIA industry figures, 4.27% of pets nationwide have coverage: 5.99% of dogs, plus 2.29% of cats.
To help pay for unexpected vet care, owners across North America insure 7.6 million pets. For dogs, accident-only plans cost an average of $190 a year ($16 a month) nationwide; for cats, the average is $112 a year ($9 a month), according to AAHA.
Arizona pet insurance rules
According to the NAIC pet insurance overview, policies sold here fall under inland marine coverage. The NAIC state tracker shows "No current activity" for this state's adoption of the national pet insurance model act.
In other words, state law sets no special terms for pet policies. Before you buy, you'll want to read through the sample contract. Look at how the plan defines each of these core terms:
- Free-look period: The days after you buy, during which you may cancel a new policy and get a full refund.
- Waiting period: How many days pass after you sign up before your plan begins paying vet bills.
- Pre-existing condition: An illness or injury that your pet showed signs of before coverage started, or during a waiting period.
Arizona pet insurance companies
Shopping for pet insurance in Arizona lets you compare plans from national insurers operating in all 50 states. We recommend that you check the quote page for each company and look at the availability details:
- Trupanion sells coverage in all 50 states and in D.C. and Puerto Rico, though products and discounts may not reach everyone in every state.
- Plans for pets from AKC Pet Insurance are offered in all 50 states, although some features are limited to certain states.
- Coverage from Nationwide and Pets Best reaches all 50 states plus Washington, D.C.
- Embrace and Prudent Pet sell policies nationwide too.
For a dog, an accident and illness plan costs an average of $836 a year ($70 a month) nationwide, based on NAPHIA data reported by NerdWallet. For a cat, that same coverage averages $435 a year ($36 a month) nationwide. These numbers are national averages, not Arizona prices. The quote you receive depends on your pet's species, age, and breed, plus your ZIP code.
Steps for filing a pet insurance complaint in Arizona
If a claim, billing, or cancellation dispute isn't settled by your insurer, ask the company for a formal review first. Keep copies of your claim messages, invoices, vet records, and policy documents.
You can report the issue to the state regulator when you can't settle it with the company. Send your details on the Arizona Department of Insurance and Financial Institutions complaint page, which lets the agency review your case.
Ask for prices on plans for your pet
We do not sell insurance, quote it, or bind it; an insurance agency receives your request instead.