Arizona is home to booming cities, miles of farmland, and some of the country’s most famous deserts. While the great outdoors of Arizona can be admired by locals and tourists alike, many residents may also enjoy the southwestern climate with their dogs and cats.
If you’re looking for award-winning1 pet insurance in Arizona to help protect your beloved companion and your wallet, MetLife Pet may be a great option for you. Get reimbursed up to 90% on covered accidents and illnesses with our standard policy — and on covered routine care with our optional Preventive Care plan. Plus, our 24/7 vet chat2 in our mobile app for policyholders can help when you need immediate expert advice.
Whether you live in Phoenix, Sedona, or Tempe, AZ, keep reading for more ways you can help protect your Arizona pet and the benefits of enrolling in a MetLife Pet policy.
Looking for Pet Insurance in Arizona?
Why MetLife Pet Insurance May Be a Good Idea if You Live in Arizona
In most of Arizona, heatwaves and arid conditions can be a concern for many pet parents. If you’re in Tucson, for example, pets may be more susceptible to heat stroke. Those risks could be greater if they happen to run away from home and don’t have access to water or shelter. MetLife Pet Insurance can typically cover expenses related to hospitalization for heat stroke and dehydration, and it can even help with lost pet advertising and rewards.
Other risks for your pets can include run-ins with diverse wildlife — like cougars, venomous reptiles, and scorpions — hot or sharp surfaces, and poisonous plants. Luckily, our dog insurance and cat insurance policies can help you cover diagnostics and treatment for things like bites, stings, paw pad burns, cuts, and toxicity.
MetLife Pet can reimburse vet bills for injuries and illnesses in Arizona. Get your free pet insurance quote.
Why Choose a MetLife Pet Insurance Policy?
A MetLife Pet Insurance policy can help give you peace of mind during unexpected situations. While the world can be scary for our fur babies, enrolling 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 MetLife Pet:
- We have one of the shortest waiting periods on the market — including a 0-day waiting period on accidents and Preventive Care coverage.3
- We have the only family plan in the industry so you can enroll up to three pets on one policy with a shared deductible.4,5
- We allow you to use any licensed vet in the U.S., and there are no breed or upper age restrictions for enrollment.
- We have an optional Preventive Care plan that can reimburse you for up to 90% of covered routine expenses, like teeth cleanings.
- We can accept certain coverage of previously covered pre-existing conditions when switching pet insurance providers when pet parents enroll in a policy through their employer.
How MetLife Pet Insurance Works in Arizona
Visit any licensed vet
We work with all licensed veterinarians in Arizona and across the country — no need to switch your current vet if you like them! There’s also no in-network and out-of-network fine print.
Pay your vet bill and submit your claim
Pay your bill at the vet, then send us your claim with the invoice from your visit, as well as any relevant vet records.
Get reimbursed
We’ll process your claim and send reimbursements on covered expenses via check or direct payment methods.
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 you can tailor to their specific needs. While your exact coverage depends on your policy, here are a few things that a MetLife Pet Insurance policy can typically cover:
- Accidents and illnesses
- Exams and prescription medications
- Emergency care, hospitalizations, and surgeries
- Diagnostic testing (including blood work, X-rays, and ultrasounds)
- Holistic and alternative treatments
Take a look at our Coverage and Exclusions page or download a sample policy for more details.
You can also add our optional Preventive Care plan to enhance your standard insurance coverage. It can help cover up to 90% of routine and wellness expenses. Routine teeth cleanings, vaccinations, spaying and neutering, and parasite prevention and treatment can all be covered under this plan add-on.
MetLife Pet can help cover vet costs related to injuries and illnesses. Our Preventative Care plan add-on can help reimburse you for routine wellness costs. Get your free pet insurance quote.
How Much Does Pet Insurance in AZ Cost?
To see your exact rates, get a free pet insurance quote.
Premiums for MetLife Pet policies vary, but they can be as low as $7 per month for one cat and $16 per month for one dog.6 Your price depends on a few factors, including your coverage and where you live in the state.
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 the age, breed, and gender of your pet, as well as your desired coverage level, reimbursement rate, and deductible.7,8,9 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 across the country who use MetLife Pet Insurance to protect their furry friends. Here are some real claims we’ve paid out in Arizona.
- Nearly $4,000 paid — This helped cover surgery to repair a fractured leg on a 1-year-old domestic shorthair cat outside of Tucson, AZ.10
- More than $1,000 paid — This helped cover the vet bill for a French bulldog puppy who suffered heat stroke in Phoenix, AZ.11
- Over $700 paid — This reimbursed an exam and treatment for a 2-year-old dog who ingested a foxtail near Sierra Vista, AZ.12
Notable claim in Arizona
Kayla, a 2-year-old mixed-breed dog living outside of Glendale, loves going to the park to play with her pet parents and other dogs. Unfortunately, no one saw the piece of metal that had started to come off of a nearby fence. While running around, Kayla cut the side of her thigh. She was quickly taken to the vet for treatment.
After a physical exam and CT scans, the vet determined that Kayla needed surgery to repair a soft-tissue injury. The vet bill totaled around $6,000, but Kayla’s owners were reimbursed nearly $5,000 through their MetLife Pet dog insurance policy. Kayla has since recovered and is back to enjoying playtime outside.13
Arizona Plants That Can Be Poisonous to Pets
From the Mojave desert to the mountains of Flagstaff, Arizona is known for its biodiversity — including plants that can be hazardous to pets. If they ingest toxic plants, pets could get very sick and need emergency medical care. A MetLife Pet policy can help cover emergency care, hospitalizations, and treatment costs related to plant toxicity.
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.14 Here are some of those potentially dangerous plants to look out for in Arizona:
- Azalea
- Chinaberry tree
- Cyclamen
- Oleander
- Sago palm
MetLife Pet can help cover emergency vet costs due to toxic plants. Get your free pet insurance quote.
Most Popular Insured Dog Breed in Arizona
According to our internal data on the most popular dog breeds in each state, Arizona loves the French bulldog. This breed is smart, energetic, and typically easygoing. But they may be prone to hip and elbow dysplasia, dermatitis, brachycephalic syndrome, and cherry eye.
Adopt Your Next Pet in AZ
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!
Dog breeds Arizonians adopt
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:15
- Labrador retriever: Labs are loyal family dogs who are often genetically predisposed to hip dysplasia, epilepsy, tumors, and heart disease.
- German shepherd: This protective breed is often susceptible to ear infections, otitis, dermatitis, gastroenteritis, and respiratory infections.
- Golden retriever: Goldens are friendly and smart, but they may be predisposed to colitis, lipomas, hypothyroidism, and obesity.
Don’t know what breed your adopted dog is? A dog DNA test can help you determine your pup’s breed, but also potential health issues they might have through genetic markers.
Adoption shelters we work with in AZ
MetLife Pet works with shelters across the country to help cats and dogs find their forever homes. These shelters may offer adopters the opportunity to sign up for MetLife Pet Insurance right away — which can help ease worries that may come from adopting a pet with an unknown health history.
If you enroll in a MetLife Pet policy through some of the shelters we work with, you may be able to get the 14-day illness waiting period waived. This means covered illnesses would be reimbursable starting at midnight the day you enroll in your policy — the same as accidents, as well as expenses covered under our optional Preventive Care plan.
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 pets ready for adoption.
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
No matter if you come home to a sunbathing cat in Tempe or an adventure-seeking pup in Flagstaff, your pet will likely need veterinary care throughout their life. An award-winning1 MetLife Pet Insurance plan can help give you peace of mind if you’re faced with unexpected costs at the vet. Get your 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
**As with any insurance policy, coverage may vary. Review our coverage and exclusions.
1 “2023 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards
2 Virtual veterinary services are available through the MetLife Pet App and are provided entirely by AskVet, a third-party partner; MetLife Pet is not responsible for any pet guidance or advice provided or taken. Veterinarians providing virtual veterinary services cannot prescribe medication or answer questions about the pet policy.
3 Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors; Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors. Based on a March 2024 review of publicly available summary information. 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.
4 Family plan policies are limited to dogs age 12 and under and cats age 14 and under. Multi-policy discount is not available with Family Plans.
5 Based on a March 2024 review of publicly available summary information. 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.
6 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.
7 Annual limit options range from $500 - $25,000 in $1,000 increments. Unlimited benefit option subject to availability. Pet age restrictions may apply.
8 Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.
9 Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.
10 All claims paid amounts are based on MetLife Pet internal claims data from November 2023. This example is for illustrative purposes only. This is based on a policy with a $150 deductible and 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.
11 All claims paid amounts are based on MetLife Pet internal claims data from November 2023. This example is for illustrative purposes only. This is based on a policy with a $250 deductible and 80% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.
12 All claims paid amounts are based on MetLife Pet internal claims data from November 2023. This example is for illustrative purposes only. This is based on a policy with a $250 deductible and 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.
13 All claims paid amounts are based on MetLife Pet internal claims data from July 2023. This example is for illustrative purposes only. This is based on a policy with a $500 deductible and 80% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.
14 “Toxic and Non-Toxic Plants List,” American Society for the Prevention of Cruelty to Animals
15 “Most Popular Dog Breeds by State in 2024 (With Pictures),” Dogster
Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Availability is subject to regulatory approval. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota), and MetLife Pet Insurance Solutions Agency LLC (Illinois).
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