7 Best Pet Insurance Companies in Arkansas: 2022

Nicknamed “the natural state,” Arkansas’ many scenic lakes and rivers make it a great place to raise a dog or cat. Yet an accident or illness can occur at any time, even if your pet is not great outdoors. A pet insurance policy ensures that you won’t end up with expensive vet bills in the event of health issues.

We at the Home Media Critics Team have researched best pet insurance companies across the United States, comparing plans, costs, unique benefits and more. We’ve narrowed down our choices for Arkansas to help you find the right coverage.

The 7 Best Pet Insurance Companies in Arkansas

Here are our seven top picks for pet insurance companies in Arkansas based on our research.

Lemonade: the most affordable packages

To learn more: Spot Pet Insurance Review

Get your quote: Visit the Spot website

Healthy Paws: Our pick for affordable unlimited coverage

Figo: the most flexible reimbursement rates

Get your quote: Visit the Figo website

Embrace: our choice to save money

Fetch: our choice for therapeutic coverage

To learn more: Retrieve pet insurance exam

Get your quote: Visit the Fetch website

Trupanion: the most flexible franchise

Types of Pet Insurance Plans

Most providers offer three main plans:

  • Accident only: Accident-only insurance covers events related to an accident such as fractures, bites, swallowed objects and lacerations. These plans cost less, but you won’t get coverage for illness-related needs.
  • Accident-and-illness: Accident and sickness insurance plans cover accidents plus illnesses, such as cancer treatments, hereditary diseases, diabetes, glaucoma and allergies. Many standard plans cover accidents and illnesses, but check with each provider to be sure.
  • Wellness care supplements: Routine and preventative care are not covered by standard pet insurance plans. You will need to purchase a wellness add-on for annual checkups, routine dental cleanings, and vaccinations.

Along with choosing the plan you want, you’ll need to select a coverage limit, deductible, and reimbursement rate. Your coverage limit is the maximum amount your provider will pay for your veterinary claims per year. A deductible is the maximum amount you will pay out of pocket per year or per condition, and reimbursement rate is the percentage of each claim that the provider will pay.

The higher your deductible and the lower your reimbursement rate, the lower your premium will be and vice versa.

How to Choose the Right Pet Insurance Provider

There are a few factors to consider when evaluating which pet insurance provider is best for you and your pet’s needs. Here are some things to consider:

  • Cover: Decide what you want to cover and look for plans that include those elements. Remember that not all providers have preventative care options.
  • Your budget: Look for providers that offer flexible deductibles and reimbursement rates. The more you can customize these variables to achieve a monthly premium you’re comfortable paying, the better. You should also take note of coverage limits. Choose a provider with unlimited coverage if you’re worried about going over your annual limit and having to pay out of pocket.
  • Your pet’s needs: If your pet’s breed or age increases their likelihood of developing certain conditions, make sure the provider and plan you select covers them.
  • Personalization: Consider how flexible each provider’s plans are. Are you able to adjust your choices if your finances change?
  • Excludes: Make sure you understand what your plan does not cover. What is the provider’s policy on pre-existing conditions? Is there a maximum age to register?

Bottom Line: Which is the Best Pet Insurance Company in Arkansas?

The right insurer is the one that covers your pet’s health needs at a price that’s right for you. We’ve reviewed every provider on this list and each has its own benefits. If you’re deciding between two or three vendors, we recommend looking at what customers have said. Read reviews and testimonials or call and speak to a representative to rate their service. You should also get a pet insurance quote from at least three providers to compare prices.

Compare Pet Insurance Providers in Arkansas

See how these Arkansas pet insurance providers compare based on data collected through our secret shopping process.

* Each provider’s monthly cost is based on accident and sickness insurance premiums from quotes we obtained for 4-year-old medium-sized dogs in Rogers, Ark. Pricing may vary depending on the age, breed and location of your pet, we recommend obtaining quotes directly from the companies for the most accurate cost information.

Methodology: Our Ranking System of the Best Pet Insurance Companies

Our review of pet insurance companies is based on extensive industry research that includes reading hundreds of customer reviews, simulating the quote and buying process, talking to representatives by phone to rate customer service experience and survey of 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage.

We rated each vendor on a 100-point scale based on these elements. We then divided the points earned for each vendor’s final score on a 5-point scale.

Here are more details on each factor and how they are weighted:

  • Monthly fee (25 points): The amount each company charges for their pet insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
  • Diets (15 points): Major pet insurance companies offer accident and sickness insurance plans, accident-only plans, and wellness or preventative care supplements to give customers the flexibility to choose a plan. that is best for their pet.
  • Treatments covered (15 marks): With this factor, we rated companies based on the treatments and procedures they cover. Companies with a wide range of included treatments and unique coverages received more points than providers with more standard or general policies.
  • Customization options (10 points): Customizing your policy is a valuable way to ensure that you only pay for what your pet needs. Providers with more annual limit, deductible and reimbursement rate options scored higher.
  • Customer service (10 points): We rated companies on the accessibility and overall usability of their website, availability of customer service, mobile apps (if available), money back guarantees and veterinary telehealth options, awarding points to insurers with more customer experience offers.
  • Industry reputation (10 points): To determine each company’s reputation in the industry, we reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) ​​and rated companies on their years of industry experience and their availability in the state.
  • Waiting times (10 points): Companies with shorter accident, sickness and orthopedic wait times between the date of enrollment and the start date of coverage scored higher than companies with longer waiting times. longer waits.
  • Eligible age (5 points): Some companies don’t offer policies for pets over a certain age. We have deducted points from providers who have age limits for covered pets.

We use our rating system to compare and contrast each company on key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up-to-date and review our reviews regularly.

Kristan F. Talley