7 Best Arkansas (AR) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Figuring out which cat insurance to buy can be confusing and overwhelming. There are tons of options available in Arkansas, and coverage varies across every plan out there. However, as a fellow animal owner and licensed Arkansas insurance agent, I am passionate about helping to make this process easier for other pet owners by providing all of the information you need. The best part is that all cats across Arkansas, from Little Rock to Jonesboro, and Pine Bluff to Harrison, can benefit from cat insurance. So, if you reside in Arkansas and are interested in enrolling your feline friend in an insurance plan, this article may help. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Arkansas (AR) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Arkansas (AR) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Arkansas (AR) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ARKANSAS (AR) CATS

$11.33/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Arkansas (AR) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ARKANSAS (AR) CATS

$20.20/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
pumpkin logo
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ARKANSAS (AR) CATS

$23.53/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ARKANSAS (AR) CATS

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ARKANSAS (AR) CATS

$19.61/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ARKANSAS (AR) CATS

$19.01/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Arkansas (AR) Cat vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ARKANSAS (AR) CATS

$24.98/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR ARKANSAS (AR) CATS

$11.33/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Arkansas (AR) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Arkansas (AR) Cat Insurance FAQs

What is cat insurance? Why do I need it in Arkansas?

Cat insurance is medical coverage for your feline friend. To ensure that your kitty is protected by insurance, you need first to select a cat insurance provider and plan. Then, you are required to make a monthly payment to keep the insurance policy active. As long as you make a payment each month, your cat will have healthcare coverage when needed.

Cat insurance is important to have in Arkansas because of how expensive veterinary bills can be. Unfortunately, vet care is expensive everywhere and frequently creates financial stress for pet owners. Cat insurance is an excellent tool that assists cat owners in paying for veterinary treatment.

How old does my kitten need to be to have insurance coverage?

Cat insurance carriers usually require kittens to be at least 6 weeks old to be eligible for coverage. Coverage is available as long as a cat is 6 weeks old or older.

In addition, there are typically no age restrictions, which means that a cat can be enrolled in insurance any time after its 6-week birthday. This is especially helpful for cats who are adopted from shelters, as many shelter cats are at least several years old.

Is it worth it to purchase cat insurance?

While you would be required to pay a monthly premium and incur some veterinary costs, cat insurance is a significantly cheaper option than being responsible for paying for vet care completely out-of-pocket. For example, imagine that your cat fell off of the kitchen counter and tore its ACL. Veterinary costs associated with treatment for major surgeries can cost between $10,000 and $15,000. Without cat insurance, you would need to pay this amount in full from your bank account.

What does coverage look like?

The services that are covered by cat insurance plans vary by provider and type of plan. However, most cat insurance plans cover the following:

* Emergency treatment for unexpected illnesses and accidents includes hospitalizations, surgeries, medications, and testing.

* Routine medical exams.

Other plans may also cover flea and tick prevention and vaccinations.

It is very important to know that insurance carriers rarely cover any treatment for pre-existing conditions. For example, if your cat was diagnosed with diabetes prior to starting coverage, it is unlikely that insurance would cover any treatment associated with the diabetes diagnosis.

How will I be reimbursed?

After your cat receives medical care, you will receive a bill from the vet. With most cat insurance plans, you are responsible for paying the bill in full, but then you can submit a reimbursement request to your provider.

Once your insurance carrier receives your request, the amount that you will be reimbursed depends on the following: the amount of the bill, your annual maximum benefit, your reimbursement rate percentage, and your deductible. Essentially, you will be reimbursed a certain percentage of the overall bill minus your deductible.

Are there plans with low deductibles?

Yes, there are cat insurance plans with low deductibles. There are also plans with both high deductibles and no deductibles at all. If you sign up for a lower deductible plan, you will have a higher monthly payment, but you need to pay less out-of-pocket when your cat receives care. Whichever plan you choose is entirely up to you and depends on what is best for your cat and your bank account.

Are there any restricted cat breeds for homeowners insurance in Arkansas?

Due to aggressive characteristics, it is common for states to have restrictions on certain dog breeds for homeowners insurance. There are typically no restrictions when it comes to cats. However, we suggest that you contact your insurance provider for clarification.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Arkansas

In addition to enrolling in cat insurance, there are many other health practices that you can implement with your cat every day, including:

1. Implement a Diet of Both Dry and Wet Food

Not only do cats like both dry and wet food, but it is also healthy for them to have both. This is because wet food provides cats with more hydration than they would get from just eating dry food.

2. Do not let your kitty play with yarn

While cats playing with yarn is a common cat stereotype, yarn is actually not great for cats to play with. If cats ingest yarn, it can become impacted in the digestive tract and cause digestive issues.

3. Do not believe the myth that milk is good for cats

Speaking of cat-related myths and stereotypes, milk can actually upset your cat’s digestion. If you want to give your cat a small portion of milk, do so sparingly and cease milk consumption if your cat becomes ill.

4. Keep your kitty inside during storms

It can get hot in Arkansas, which frequently results in thunderstorms. If your cat likes to spend time outside, make sure to keep an eye on the weather and keep your cat indoors during storms.

5. Give regular flea and tick prevention treatments

Fleas and ticks can cause medical complications in cats, let alone the fact that they can be very itchy! By giving your kitty regular flea and tick prevention treatments, you are protecting your kitty from an itchy situation. These treatments can be given over-the-counter or by the vet.

Conclusion

Finding the best cat insurance plan for your feline friend can seem overwhelming. However, once you find the right plan for you and your cat, all you need to do is pay the monthly premium, and then your kitty is covered! Accidents and illnesses can happen unexpectedly, and it is always best to be prepared.

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Arkansas (AR) Cats

We ranked the best pet insurance policies for Arkansas (AR) Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Arkansas (AR) Cat with a $500 deductible located in the 72205 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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