Award-Winning Pet Insurance in Arizona

Five Minutes
Feb 09, 2023

Arizona is home to booming cities, miles of farmland, and the some of the country’s most famous deserts. While the great outdoors in Arizona can be admired by locals and tourists alike, many residents may also enjoy the southwestern climate with their dogs and cats.

Whether you live in Phoenix, Sedona, or Tempe, AZ, you may want to be mindful of the potential risks your pet could face. With these looming risks, you may want to consider investing in a MetLife Pet Insurance policy.

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Why Pet Insurance May Be a Good Idea if You Live in Arizona

No matter where you live it can be helpful to know the risks that could put your pet in a dangerous situation. In the majority of Arizona, heatwaves and arid conditions can be a concern for most pet parents. If you’re in Tucson, for example, pets may be more susceptible to heat stroke. Those risks can be even greater if they happen to run away from home and don’t have access to water or shelter.

Other environmental risks can include the diverse wildlife. From cougars to venomous reptiles and insects, there’s a lot to look out for when it comes to protecting your pet — which is why you may want to consider pet insurance. Arizona pet parents may be interested in helping protect their wallets in the event their pet has an emergency like heat stroke, an animal attack, or even ingesting a poisonous plant.

Why Choose a MetLife Pet Insurance Policy?

A MetLife Pet Insurance Policy can help give you peace of mind in crisis. While the world can be scary for our little fur babies, investing in pet insurance may help you get them the care they need.

Here’s why pet parents in Arizona — and across the country — might choose us:2

  • We reimburse most claims in 10 days or less. 3
  • We don’t have breed or age restrictions for dogs or cats.
  • We allow you to use any licensed vet in the U.S.
  • We have shared deductibles for up to three pets on one policy. 4
  • We accept pre-existing conditions for pets transferring insurance policies. 5
  • We have one of the shortest waiting periods for accident and illness coverage. 6,7

How MetLife Pet Insurance Works in Arizona

MetLife Pet Insurance is Available in Arizona. See What’s Covered

Just like people, we know every pet is different. That’s why we offer customizable coverage that you can tailor to your pet’s specific needs. Want more comprehensive coverage? Consider adding a wellness plan onto your policy. Have dogs and cats? You can add up to three pets on one policy and share a deductible.

While your exact coverage depends on your policy, here are a few things that a MetLife Pet Insurance policy could cover:

  • Examinations
  • Emergency care
  • Hospitalizations
  • Diagnostic testing
  • X-rays
  • Ultrasounds
  • Surgeries
  • Prescription medicine
  • Alternative treatments

How Much Is Arizona Pet Insurance?

MetLife Pet policies range depending on your coverage, but they can be as low as $9 per month for cats and $15 per month for dogs.9 A monthly premium depends on a few factors, including where in the state you live.

Typically, you might expect to pay more for veterinary care in a large city like Phoenix, than you might if you live in a smaller town like Winslow. Meanwhile, factors that can impact the monthly premium for a dog or cat include age, breed, and sex10 of your pet and your desired plan. Read our article about the cost of pet insurance or get a free quote today.

Pet Insurance Claims We Paid in Arizona

We have customers all across the country who use MetLife Pet Insurance to protect their furry friends. Here are some real claims we’ve paid out this year in Arizona:11

  • More than $5,100 paid — This helped cover a surgery for cruciate rupture for a 2-year-old mixed breed in Phoenix, AZ.
  • More than $1,700 paid — This assisted coverage for a surgery to remove a foreign body in a 1-year-old domestic long hair in Mesa, AZ.
  • About $900 paid — A routine spay surgery got coverage for an English bulldog puppy in Phoenix, AZ.
  • About $1,000 paid — This helped fund a dental extraction due to resorptive lesions in a 12-year-old domestic short hair in Phoenix, AZ.
  • About $800 paid — This helped pay for an exam for a rattlesnake bite for an American Staffordshire terrier in Peoria, AZ.

Notable claim in Arizona

When 4-year-old Belgian Malinois dog Roberta swallowed something she shouldn’t have near Phoenix, she was rushed to the vet for care. Surgery to remove the foreign body cost her parents more than $5,900. Thanks to their pet insurance policy and reimbursement rate, they were able to get more than $4,300 back. Roberta is back to adventuring — with a watchful eye from her parents.

Pet Injuries and Illnesses Typically Found in Arizona

While Arizona is beautifully fit for adventure in a variety of terrains, there are many risks to your pet across the state.12 Here are a few common injuries and illnesses Arizona pet parents might want to watch out for.

  • Rattlesnake bites: Rattlesnakes run rampant in Arizona’s deserts, which means your pet could fall victim to a venomous bite at any time. August is considered the rattlesnake season, which means you’ll find more rattlers than usual during that time. To avoid a potentially deadly bite, rattlesnake avoidance training administered by a professional animal trainer is recommended annually for Arizona residents and their pets.12
  • Scorpion attacks: Similar to rattlesnakes, scorpions also produce potentially deadly venom that can harm your pet. Affected pets usually experience pain and localized swelling, but small dogs can possibly get seizures.
  • Heat stroke: In Arizona’s arid deserts, heat stroke is a serious risk for both pets and humans alike. Due to our pets’ inability to sweat, it’s difficult for them to regulate their body temperature, resulting in heat stroke. Knowing the signs of heat stroke and early intervention are key to ensure your pet doesn’t potentially face permanent organ damage or death.

Arizona Plants That Can Be Poisonous to Pets

Arizona is known for its diverse terrain, from the Mojave desert to the mountains of Flagstaff. Due to the biodiversity throughout the state, it’s essential that pet parents are aware of plants that may pose risks to your pets. The American Society for the Prevention of Cruelty to Animals (ASPCA) has a comprehensive list of plants that may be poisonous to dogs and cats.13

Here’s a list of potentially dangerous plants to look out for in Arizona:

  • Azalea
  • Chinaberry tree
  • Cyclamen
  • Daffodil
  • Oleander
  • Sago palm
  • Tulip

Most Popular Dog Breeds in Arizona

Arizona pet parents love their dogs, but there are a few that take the cake in the state. Here are the three dog breeds that get adopted the most in Arizona and their common health concerns:14

  1. Labrador retriever: Labs are loyal family dogs that are often genetically predisposed to hip dysplasia, epilepsy, tumors, and heart disease.
  2. German shepherd: This protective breed is often susceptible to ear infections, otitis, dermatitis, gastroenteritis, and respiratory infections.
  3. Golden retriever: Goldens are friendly and smart, they may be predisposed to colitis, lipomas, hypothyroidism, and obesity.

Adoptable Dogs and Cats in Arizona

Now that you’re aware of what to look out for in Arizona, you may be ready to add a furry family member to your crew! There are many good boys and girls looking for forever homes, so visit PetFinder to find adoptable dogs and adoptable cats in The Grand Canyon State.

Adoption shelters in AZ

Whether it’s a new kitty best friend or one of the top three dog breeds in the state, adoption shelters in Arizona are ready to help you! Check out some of them below and see all the good girls and boys ready for adoption.

Arizona Animal Welfare League

25 N 40th St, Phoenix, AZ 85034

Arizona Humane Society South Mountain Campus

1521 W Dobbins Rd, Phoenix, AZ 85041

Friends of Pima Animal Care Center

4000 N Silverbell Rd, Tucson, AZ 85745

If You Live in Arizona, Consider Insuring Your Pet

Whether you come home to a sunbathing cat in Tempe or an adventure-seeking pup in Phoenix, your pet will likely need care from a veterinarian throughout their life. A MetLife Pet Insurance plan can help give you peace of mind with unexpected costs at the vet.2 Get a free quote today.

Pet Insurance Can Help Cover Pet
Injury & Illness Costs

There is no substantive difference between a MetLife Pet Insurance policy in Arizona and a MetLife Pet policy in another U.S. State

1 “2023 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

2 Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

3 Approximately 80% of claims are processed within 10 days or less.

4 Based on a January 2022 review of publicly available summary information about competitors’ offerings. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor’s policy or coverage, please contact them or their representative directly.

5 We do not cover all pre-existing conditions; just those covered by the previous provider.  For group policyholders only.

6 Wait period for accident coverage is midnight EST compared to 2 to 15 days for competitor's; wait period for illness coverage is 14 days compared to 14 to 30 days for competitor's, based on a January 2021 review of publicly available summary information about competitor's offerings.

7 Accident coverage and Preventive Care coverage (for those who select it) begins on the effective date of your policy. Illness coverage begins 14 days later.

8 Based on an internal sampling of MetLife Pet Insurance data.

9 Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose.

10 For IAIC policies only.

11 All claims paid amounts are based on MetLife internal claims data from October 2022.

12 “Hidden Desert Dangers For Dogs,” AZ Pet Vet

13 “Toxic and Non-Toxic Plants List,” American Society for the Prevention of Cruelty to Animals

14 “Most Popular Dog Breeds by State in 2023,” Pet Keen

Coverage underwritten and issued by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85254 or Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations. Application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC for details. MetLife Pet Insurance Solutions LLC is the policy administrator for this coverage. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois).

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