7 Best Arkansas (AR) Dog Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

Trying to find dog and puppy insurance in Arkansas can be intimidating, but don’t worry, my team and I have done all of the necessary research for you. As an Arkansas licensed insurance agent and lifelong dog owner, I know how challenging it can be to wade through all of the complicated and confusing jargon. Whether you’re from Little Rock, Fayetteville, Fort Smith, Bryant, Benton, or anywhere else in The Natural State, we have you covered. Read more about our unbiased ranking methodology and advertiser disclosure.

Top AR Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in Arkansas. The average monthly Arkansas-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Arkansas with a 72205 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 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 Arkansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN ARKANSAS

$26.75/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Arkansas dog 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
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Arkansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN ARKANSAS

$44.09/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
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Arkansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN ARKANSAS

$33.57/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
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Arkansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN ARKANSAS

$40.97/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
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Arkansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN ARKANSAS

$39.17/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Arkansas 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
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Arkansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN ARKANSAS

$43.25/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 mutual insurance company supported by its members
spot pet insurance
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Arkansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN ARKANSAS

$43.24/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

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

STANDARD PLAN
COST IN ARKANSAS

$26.75/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Arkansas dog 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

How much does dog insurance cost in Arkansas for the 15 most popular breeds?

The price for Arkansas dog insurance varies depending on where you live. To give you an idea we’ve collected prices for three cities shown below. The prices will also vary based on the age, health, and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of dog insurance in Arkansas we suggest getting a quote directly with Figo or Lemonade.

  1. Mixed Breed
    • Fayetteville – $24.84/ mo
    • Hope – $18.79/ mo
    • Little Rock – $27.67/ mo
  2. Labrador Retriever
    • Fayetteville – $33.83/ mo
    • Hope – $25.60/ mo
    • Little Rock – $37.68/ mo
  3. Golden Retriever
    • Fayetteville – $33.75/ mo
    • Hope – $25.56/ mo
    • Little Rock – $37.60/ mo
  4. German Shepherd
    • Fayetteville – $36.50/ mo
    • Hope – $27.62/ mo
    • Little Rock – $40.64/ mo
  5. Goldendoodle
    • Fayetteville – $29.37/ mo
    • Hope – $22.22/ mo
    • Little Rock – $32.71/ mo
  6. Chihuahua
    • Fayetteville – $15.45/ mo
    • Hope – $11.70/ mo
    • Little Rock – $17.20/ mo
  7. Siberian Husky
    • Fayetteville – $33.92/ mo
    • Hope – $25.67/ mo
    • Little Rock – $37.78/ mo
  8. Yorkshire Terrier
    • Fayetteville – $21.33/ mo
    • Hope – $16.14/ mo
    • Little Rock – $23.76/ mo
  9. American Pit Bull Terrier
    • Fayetteville – $37.56/ mo
    • Hope – $28.41/ mo
    • Little Rock – $41.83/ mo
  10. Australian Shepherd
    • Fayetteville – $23.34/ mo
    • Hope – $17.68/ mo
    • Little Rock – $26.01/ mo
  11. Dachshund
    • Fayetteville – $22.03/ mo
    • Hope – $16.66/ mo
    • Little Rock – $24.54/ mo
  12. Shih Tzu
    • Fayetteville – $19.62/ mo
    • Hope – $14.85/ mo
    • Little Rock – $21.87/ mo
  13. French Bulldog
    • Fayetteville – $46.45/ mo
    • Hope – $35.15/ mo
    • Little Rock – $51.75/ mo
  14. Boxer
    • Fayetteville – $46.64/ mo
    • Hope – $35.30/ mo
    • Little Rock – $91.54/ mo
  15. Labradoodle
    • Fayetteville – $29.37/ mo
    • Hope – $22.22/ mo
    • Little Rock – $32.71/ mo

Not finding your specific dog breed? Lemonade pet insurance is our #1 recommendation for Arkansas and they’ll be able to give you a quick quote for your exact needs.

Arkansas Dog Insurance FAQ’S

Is it worth purchasing dog insurance in Arkansas?

In short, my answer is yes. As I said before, accidents and illness are basically inevitable and will result in vet bills that can get out of control, especially as your dog ages. You need to ask yourself if it is worth it based on your financial situation but think about it this way, would you rather invest now in terms of monthly payments or would you rather have to be stuck with a huge amount of money to pay all at once later on down the road? Most pet owners say they spend thousands of dollars on medical costs during the course of their dog’s life. Another thing to think about is that Arkansas vets can sometimes be on the pricey side compared to the rest of the country and having insurance would definitely be a big help.

What is dog insurance and why is it useful?

Dog insurance pays, partly or in total, for veterinary treatment of the insured person’s sick or injured pet. Just like with any insurance, you’ll need to sign up for a policy through an insurance company and pay a monthly premium in order to keep an active policy. What normally happens if you have to make a visit to your veterinarian is that you’ll most likely have to pay upfront and then wait for reimbursement once you have submitted your claim. It’s good to know that there are some exclusions on what your insurance may cover so check with your provider about those. They’re usually things like pre-existing conditions and that is why we suggest that you begin your dog’s policy at an early age. Some time around 8 weeks old is best to start finding the best policy for you.

In Arkansas, there are certain treatments and therapies that will be very expensive and sometimes set you back thousands of dollars. This is why purchasing insurance would be so useful to you and your wallet. Also, don’t forget the benefit of being able to save your dog’s life instead of choosing to euthanize due to lack of funds or inability to pay the vet bill.

Is my puppy insurable?

Most dog insurance companies will require your puppy to be around 8 weeks old before determining eligibility but some companies do not have this rule. If you are looking to insure a puppy younger than 8 weeks, your best option is to just shop around. Generally speaking, it is much cheaper to insure a younger canine so that is why it is suggested that you purchase your dog’s policy before their first birthday comes around.

What does my policy cover or not cover?

Your coverage will vary based on the insurer and policy you decide to go with but most companies will have exclusions regarding what can be covered in claims. The exclusions will most likely be what is called a “pre-existing condition”, meaning that your dog had this condition before applying for insurance. These will be things like kidney problems or cancer, for example. “Unanticipated and disastrous” things like an infection or a broken bone will usually always be covered. Often, insurance providers will offer what they call a “wellness package” which is an add-on option used to cover things like routine checkups and preventative care.

How do I get reimbursed for upfront costs?

An example of how the reimbursement process works is, imagine for a moment that you chose an insurance policy with a $250 deductible and a max annual benefit of $25,000. This policy also has a 90% reimbursement amount. Now picture a scenario where your dog may need a type of therapy that has a cost of $5,000. If this is the case, your insurer will reimburse you $4,500 after your deductible. After everything is said and done, your out-of-pocket expenses are going to be $750 rather than the full amount of $5,000. We have found one company that actually works differently and pays the full amount directly to the veterinarian as long as they are within the network. This company is Trupanion.

Is it best to purchase a policy with a low deductible?

Generally, a lower deductible will mean a higher monthly premium, meaning more expenses monthly but less when the inevitable happens. It is best to sit down and go over your finances to determine which way is the best way to go for you. To help you make your decision, companies out there offer a simple-to-use calculator when looking at quotes. All in all, we have seen most people choose policies with deductibles between $250 and $500.

When it comes to Arkansas homeowners insurance, are there any specific dog breeds that will be excluded?

Lots of states have will exclusions including but not limited to –

  1. Pit Bull Terriers
  2. Boxers
  3. Akitas
  4. German Shepards
  5. Great Danes
  6. Wolfhounds
  7. Chow chows

This may or may not be the case so just be sure that you check with your insurer to find out. Also, check with your company to find out whether or not you’ll need a specif liability rider.

5 Ways For Arkansas Dog Owners To Keep Pets Safe & Healthy

1. Make sure to get your puppy neutered or spayed

On top of doing your part to keep the homeless pet population at a minimum, spaying and neutering your dog can have other added benefits. For females, spaying can lower your dog’s chances of getting uterine infections and breast cancer. For males, neutering gives your dog a lowered risk of getting testicular and prostate cancers. If you have any concerns about the risks of any procedure, please consult your veterinarian. For your own peace of mind, the risk of injury or harm during these surgeries is extremely low.

2. Give your dog lots of attention

Mental health is very important when it comes to your dog’s overall health just like it would be with your human child. Playing fetch, regular walks in the park, teaching your dog a new trick; these are all ways to show your dog that you love him and raise his happiness level, as well as getting him moving and ensuring he stays active.

3. Get regular check-ups

Early detection of disease and illness can save your dog’s life. Be sure you take your furry baby to all of his appointments and get him on a regular vaccine schedule.

4. Be aware of the Arkansas leash laws

There are no statewide dog leash laws in Arkansas, but municipalities can decide city ordinances on specific dog rules and regulations. However, when walking your dog or letting them outside, they should always be attached to a leash or lead. This will help prevent your dog from getting curious and running or wandering off and reduces the chances of them being struck by a moving vehicle.

5. Keep an eye on the local weather

Arkansas doesn’t experience winters as harsh as some other states but when they do, outdoor dogs should be brought inside if possible. If not, anything that blocks the wind off them will help them tremendously, says an employee with The Northeast Arkansas Humane Society. She also recommends that blankets and a heated water bowl should be provided so that the water does not freeze. Arkansas state law mentions pets must have shelter on three sides with a covering.

5 Wonderful Dog Shelters in AR

Are you ready to add a new member to your family? Look for your new best friend at one of these great places!!

1. Little Rock Animal Village – Little Rock, AR

This shelter has a learning center with regular classes for volunteers and a fully staffed veterinary clinic that cares for thousands of animals each year. With 5 play yards for dogs to run and explore, Little Rock Animal Village isn’t your average shelter. Besides the dedication shown by its staff and volunteers, they offer fantastic events. For $10 per dog, they offer a swim day and when Easter rolls around, they offer portrait sessions for your family & pets for a suggested donation of $50. Well worth it for anyone who considers their dog a part of the family.


2. Northeast Arkansas Humane Society – Jonesboro, AR

This shelter, as many do, offers a foster program and ways to donate or volunteer. If you aren’t in a position to bring a new dog into your home permanently but would still love to help, please visit their website and find out about their donation and fostering needs. While you’re there, take a look at the section with all of the adoption success stories. Some may even bring a tear to your eye.


3. Needy Paws Animal Shelter – Clarksville, AR

With a mission to help pets and pet owners in need through sheltering, adoption, education, spay and neuter, and community outreach, this organization offers tons of resources for you to get help or get involved. Their cute t-shirts, which are sold on their website, would make a great gift for any animal lover in your life.


4. Humane Society Of The Ouachitas – Mena, AR

Helping Pets in need since 1978, The Humane Society of Ouachitas regularly hosts adoption events at the major pet stores in the area. Their Website shows a counter of how many pets they’ve saved since 2020 (743 at the time this article was written). Help them grow that number and look for your new dog or puppy at this great rescue where “your best friend is waiting”.


5. Stone County Humane Society – Mountain View, AR

If you need a low-cost option for a spay & neuter clinic, these are the people to see. They actually have the lowest cost for this procedure that I have ever seen. Check out their website for more information on how to make an appointment. Consider also visiting their Second Chance thrift shop where they accept donated items such as small electric appliances, kitchen items, jewelry, and more!! Every bit of sales goes straight back into the shelter.


Conclusion

Finding and purchasing insurance for your dog can be easy and affordable if you’re pointed in the right direction. I sincerely hope that this article has answered some of your questions, and you are now ready to secure a healthy future for your dog in the form of an insurance policy with the perfect company for you. I strongly suggest that you look sooner rather than later to avoid any pre-existing conditions that could result in exclusions or higher premiums. In our extensive research, we discovered Lemonade pet insurance regularly performed the best while maintaining the lowest monthly premium in the Apple Blossom State.

SwiftScore Ranking Methodology for Arkansas

We ranked the best pet insurance policies in Arkansas based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Arkansas with a 72205 zip code
  • 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

Other state dog insurance resources

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