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Best Pet Insurance in Kansas (KS)

Author Image Written by Brenda Woods Updated 06/25/2024

Whether you live in Topeka or Kansas City, pet insurance that doesn’t break the bank can provide peace of mind if your beloved pet experiences a medical emergency. These health insurance plans allow pet owners to plan for the unexpected and reduce out-of-pocket vet costs. 

We researched the top pet insurance companies and narrowed down our picks for Kansas.

Read more and compare the pros and cons of our top seven recommendations for Kansas Pet Insurance.
Why Trust Us? Our review and rating process for the best pet insurance companies
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

How Do KS Pet Insurance Companies Compare?

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
$38.44 $21.53 VISIT SITE
$20.76 $18.47 VISIT SITE
$65.15 $53.43 VISIT SITE
$44.83 $24.68 VISIT SITE
$44.79 $16.36 VISIT SITE
$114.73 $57.19 VISIT SITE

Kansas’s Top 7 Pet Insurance Providers

Most Customizable Plans: Spot
Best for New Pet Owners: ASPCA
Best Deductibles: Embrace
Best Coverage Limits: Healthy Paws
Best Extra Coverage Add-On: Figo
Best for Direct Payment: Trupanion
Most Comprehensive Plan: Prudent Pet


Most Customizable Plans

Spot Pros and Cons

Pros 10% multi-pet discount No age limit for older dogs Unlimited annual benefits and wellness add-on options available Cons 14-day waiting period for accidents No coverage for pets under 8 weeks old No online chat feature for customer service

Spot Overview

  • Deductibles: $100, $250, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $2,500, $4,000, $5,000, $7,000, $10,000, unlimited

Learn more: Spot Pet Insurance review

Why We Chose Spot

We scored Spot 91 out of 100 for its highly customizable plans. The company provides several plan options for accidents and illnesses, plus add-on wellness packages to cover your pet’s routine care. Spot also offers five options for annual deductibles and six maximum annual limits, including an unlimited option.


Best for New Pet Owners

ASPCA Pet Health Insurance Pros and Cons

Pros Discount for multiple pets Low-cost accident-only plan Microchip implantation covered in the standard plan Preventive care add-ons available Cons 14-day waiting period for accident coverage Fewer deduction options than other providers Maximum annual limit of only $10,000

ASPCA Overview

  • Deductibles: $100, $250, $500
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $3,000, $4,000, $5,000, $7,000, $10,000

Learn more: ASPCA Pet Insurance review

Why We Chose ASPCA Pet Health Insurance

ASPCA Pet Health Insurance is a great starting point for new pet owners in Kansas, scoring 89 out of 100 in our review. Customers can access educational resources about dog breeds and common conditions via the company’s website and mobile app. You can choose from two wellness add-ons for expanded preventive coverage along with its two main plans.


Best Deductibles

Embrace Pros and Cons

Pros Deductible reduces each year with no claims Free medical history review after enrollment Optional wellness plan Two-day waiting period for accident coverage Cons No coverage for prescription food or supplements Highest annual limit is $30,000 Six-month waiting period for orthopedic conditions coverage

Embrace Overview

  • Deductibles: $200, $300, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $8,000, $10,000, $15,000, $30,000

Learn more: Embrace Pet Insurance review

Why We Chose Embrace

Embrace offers some of the best deductible benefits of the reviewed providers, earning it a 93.5 out of 100 in our review. Its Healthy Pet Deductible provides a $50 credit each year you don’t file a claim. You can also add the optional Wellness Rewards for Routine Care Plan for preventive care coverage, including checkups and vaccinations.

Healthy Paws

Best Coverage Limit

Healthy Paws Pros and Cons

Pros 30-day money-back guarantee Alternative therapy coverage No annual coverage limit on claim payouts Quick claim processing and payouts Cons 12-month waiting period for hip dysplasia treatment No add-on wellness or preventive care coverage Deductibles and reimbursement rates vary as your pet ages

Healthy Paws Overview

  • Deductibles by pet age:
    • 5 years and under: $100, $250, $500
    • 6 to 7 years old: $250, $500, $750
    • 8 years old and older: $750, $1,000
  • Reimbursement options by pet age:
    • 5 years and under: 70%, 80%, 90%
    • 6 to 7 years old: 60%, 70%, 80%
    • 8 years old and older: 50%, 60%
  • Maximum coverage limits: No limit

Learn more: Healthy Paws Pet Insurance review


Why We Chose Healthy Paws

Healthy Paws earned a 93.5 out of 100 for its unlimited coverage limits. Kansas pet parents can easily submit claims via the mobile app and receive approvals in as little as two days. The company’s single insurance plan includes alternative, chiropractic, and cancer treatment coverage.


Best Extra Coverage Add-On

Figo Pros and Cons

Pros 100% reimbursement available 1-day waiting period for accident coverage Cloud-based app to connect with pet owners for playdates Unlimited annual coverage option Cons Deductible choices vary by pet age No accident-only plan Standard plan doesn’t cover vet exam fees

Figo Overview

  • Deductibles by pet age: 
      • 5 years old and under: $100, $250, $500, $750
      • 6 to 9 years old: $250, $500, $750, $1,000
      • 10 years and older: $500, $750, $1,000, $1,500
  • Reimbursement options: 70%, 80%, 90%, 100%
  • Maximum coverage limits: $5,000, $10,000, unlimited

Learn more: Figo Pet Insurance review

Why We Chose Figo

We scored Figo 93 out of 100 for its wide selection of add-ons, which it calls power-ups. It offers additional coverage for wellness, veterinary exam fees, burial services, and boarding fees. Kansas pet parents can even receive up to $10,000 for property damage caused by their pets.


Best for Direct Payments

Trupanion Pros and Cons

Pros 5-day waiting period for injuries 24/7 customer service Direct payments made to your vet No limit on maximum coverage Cons 30-day waiting period for illnesses No preventive care add-ons Routine care coverage not included

Trupanion Overview

  • Deductibles: $0 to $1,000
  • Reimbursement options: 90%
  • Maximum coverage limits: No limit

Learn more: Trupanion Pet Insurance review

Why We Chose Trupanion

Though Trupanion only offers one accident-and-illness plan, the company still scored 89 out of 100 due to its vet direct pay. Most pet insurance companies require you to pay the bill in full and submit a claim for reimbursement. Trupanion allows your vet to file the claim directly at checkout, so you only need to pay your portion of the bill.

Prudent Pet

Most Comprehensive Plan

Prudent Pet Pros and Cons

Pros Five-day waiting period for accidental coverage No maximum age limit for pets Unique perks, including boarding fee coverage if you’re hospitalized Unlimited maximum annual limit for some plans Cons Higher than average monthly premiums No mobile app Six-month waiting period for knee and ligament issues

Prudent Pet Overview

  • Deductibles: $100, $250, $500, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $10,000 or unlimited

Learn more: Prudent Pet Insurance review

Why We Chose Prudent Pet

Prudent Pet scored 95 out of 100 for its comprehensive plans, unlimited maximum limit option, and unrestricted age limits. Its most robust plan, the Ultimate plan, includes unique benefits such as vacation cancellation coverage and reward reimbursement for a lost or stolen pet. Customers can also choose from three wellness add-ons for rabies vaccines, wellness exams, and microchipping coverage.

What Does Pet Insurance Cover and Not Cover?

It’s important to know which of your pet’s healthcare costs you want covered while shopping for a pet insurance plan. An accident-only plan only covers physical accidents such as fractures and accidental ingestion. An accident-and-illness plan covers accidents plus illnesses, hereditary conditions, cancer, congenital conditions, or even arthritis. Some plans may also cover chronic conditions. Insurance companies will provide a complete list of covered conditions before you sign up. 

All pet insurance providers exclude preexisting conditions, and many exclude routine veterinary care, vaccinations, dental cleaning, and prescription food and medications from their standard plans. Many companies offer add-on wellness or preventive care options to cover these services for an added fee. Some companies may offer this coverage within a comprehensive accident-and-illness package. 

Remember that your pet insurance costs will vary based on your selected plan, deductibles, reimbursement percentage, and annual limits.

Is Pet Insurance in Kansas Worth it?

Yes, in most cases, we’ve found that pet insurance is worth it in Kansas due to the added security and peace of mind. Whether you’re a dog parent in Overland Park or a cat parent in Kansas City, all pet owners understand the importance of protecting their furry companions. Pet insurance policies provide peace of mind that your pet will receive care if it becomes sick or injured and save your wallet from expensive vet bills.

Kansan pet owners can find top-notch pet insurance from any provider on this list. We recommend comparing at least three companies in your area to find the best policy and pricing.

FAQs About Kansas Pet Insurance

How much does pet insurance cost in Kansas?

Pet insurance cost varies by ZIP code and your pet’s age, breed, and health history. We compared seven pet insurance companies’ monthly premiums in Wichita, Kansas, and found dog insurance costs an average of $21–$82. Average cat insurance costs were much lower, ranging from $12–$49. 

Do I really need pet insurance?

While pet insurance isn’t required, it can save you from paying costly vet bills for necessary medical care if your pet gets sick or injured. Add-on preventive care coverage can also help cover medication, vaccination, and checkup costs.

Does pet insurance cost the same throughout Kansas?

No. Pet insurance costs vary by ZIP code. For example, Wichita’s rates may be higher than those in Topeka. Get rates for your current ZIP code to find accurate pricing.

Our Rating Methodology

We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.

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