Pet Insurance in Arkansas
State law leaves coverage rules to the policy wording, so read every contract carefully for pet insurance Arkansas residents can use.
- Law: No pet-specific statute applies to Pet insurance.
- State regulator: Arkansas Insurance Department
- To make a complaint, use File a complaint.
Sources include the Arkansas Insurance Department home page, Arkansas Insurance Department: file a complaint, the state chart for NAIC Pet Insurance Model Act (#633), and the NAIC white paper: Pet Insurance (publication-pin-op-pet-insurance)
Statewide, pet policies sold to residents are overseen by the Arkansas Insurance Department. No dedicated pet insurance statute has been adopted by state lawmakers. Arkansas shows no present activity for a pet insurance model law, according to NAIC state tracking records.
Local pet parents can select basic emergency protection or broader routine care plans. For dogs, accident-only coverage averages $16 a month nationally, or $190 a year; for cats, it averages $9 a month, or $112 a year. For dogs, optional wellness plans average $118 a month, or $1,414 a year; for cats, they average $72 a month, or $859 a year.
Arkansas pet insurance laws
Pet policies are reported as inland marine coverage and fall under property and casualty insurance law because no pet-specific statute exists. States use inland marine, a broad insurance category for movable property, to regulate pet plans as well.
The policy's own terms govern how your plan works because state law provides no special pet rules. Before buying, check the sample policy to learn how the insurer applies these key rules:
- After you buy a plan, a waiting period is the time before coverage starts paying for care.
- After buying, you have a short free-look period to cancel a new policy and receive a refund.
- Pre-existing condition: Plans usually don't cover any health problem your pet already had before the coverage began.
Arkansas pet insurance companies
Plan availability across all 50 states is published by several national insurers, including:
- In all 50 states and DC, Nationwide sells plans.
- In all 50 states, Spot provides plans across the country.
- Across all 50 states, ASPCA Pet Health Insurance offers coverage.
- In all 50 states, Embrace offers coverage.
- Trupanion offers coverage in 50 states, plus DC and Puerto Rico. However, some people in some states may not have access to every product and discount.
- AKC Pet Insurance offers coverage in 50 states, although certain features aren't offered in some states.
According to NAPHIA national cost data, an accident and illness plan for a dog averages $70 each month, or $836 each year. For a cat, the same coverage averages $36 each month, or $435 each year. Arkansas does not have its own figures here; these are national numbers. Your quote depends on the species, age, breed, and ZIP code of your pet.
Arkansas: How to file a pet insurance complaint
You may contact the state insurance regulator if a dispute over a claim or policy term remains unresolved. Pet owners can file a complaint online with the Arkansas Insurance Department consumer services division. The department reviews complaints to see whether your policy contract and state insurance law were followed by the company.
Ask about pricing for your pet's plan
Your request goes to an insurance agency. We do not sell insurance, quote it, or bind it.