In This Guide: Top Pet Insurance Providers | Compare Top Providers | What Pet Insurance Does and Doesn’t Cover | Conclusion | FAQs | Methodology

Whether you live in Topeka or Kansas City, pet insurance 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 at the This Old House Reviews Team researched the top pet insurance companies and narrowed down our picks for Kansas. Compare the pros and cons of our top seven recommendations.



Kansas’s Top 7 Pet Insurance Providers




  • 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

Spot Pros and Cons

✔ 10% multi-pet discount 

✔ No age limit for older dogs

✔ Unlimited annual benefits and wellness add-on options available

✘ 14-day waiting period for accidents

✘ No coverage for pets under 8 weeks old 

✘ No online chat feature for customer service

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. 

Get a quote: Get a quote from Spot

Learn more: Spot Pet Insurance review



Healthy Paws

  • 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

Healthy Paws Pros and Cons

✔ 30-day money-back guarantee

✔ Alternative therapy coverage

✔ No annual coverage limit on claim payouts

✔ Quick claim processing and payouts

✘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

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.

Get a quote: Get a quote from Healthy Paws

Learn more: Healthy Paws Pet Insurance review




  • 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

Embrace Pros and Cons

✔ Deductible reduces each year with no claims

✔ Free medical history review after enrollment

✔ Optional wellness plan

✔ Two-day waiting period for accident coverage 

✘ No coverage for prescription food or supplements 

✘ Highest annual limit is $30,000

✘ Six-month waiting period for orthopedic conditions coverage

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. 

Get a quote: Get a quote from Embrace

Learn more: Embrace Pet Insurance review




  • 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

Figo Pros and Cons

✔ 100% reimbursement available 

✔ 1-day waiting period for accident coverage

✔ Cloud-based app to connect with pet owners for playdates

✔ Unlimited annual coverage option

✘ Deductible choices vary by pet age

✘ No accident-only plan

✘ Standard plan doesn’t cover vet exam fees

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. 

Get a quote: Get a quote from Figo

Learn more: Figo Pet Insurance review




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

Trupanion Pros and Cons

✔ 5-day waiting period for injuries

✔ 24/7 customer service

✔ Direct payments made to your vet

✔ No limit on maximum coverage

✘ 30-day waiting period for illnesses

✘ No preventive care add-ons

✘ Routine care coverage not included

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.

Get a quote: Get a quote from Trupanion

Learn more: Trupanion Pet Insurance review


Prudent Pet

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

Prudent Pet Pros and Cons

✔ 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

✘ Higher than average monthly premiums

✘ No mobile app

✘ Six-month waiting period for knee and ligament issues

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.

Learn more: Prudent Pet Insurance review



ASPCA Pet Health Insurance

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

ASPCA Pet Health Insurance Pros and Cons

✔ Discount for multiple pets 

✔ Low-cost accident-only plan 

✔ Microchip implantation covered in the standard plan

✔ Preventive care add-ons available

✘ 14-day waiting period for accident coverage 

✘ Fewer deduction options than other providers

✘ Maximum annual limit of only $10,000

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.

Learn more: ASPCA Pet Insurance review



Compare the Top Providers of Pet Insurance in Kansas

We recommend getting quotes from several providers since rates vary by your ZIP code and pet’s breed, history, and age.


Dog Insurance Cost*

Cat Insurance Cost*

Number of Plans and Add-ons

Wellness Add-on





Healthy Paws
















Prudent Pet








*Sample quotes based on accident-and-illness coverage for a 4-year-old mixed-breed male dog and a 4-year-old domestic medium-hair male cat in Wichita, Kansas.



What Pet Insurance Does and Doesn’t Cover

It’s important to know which of your pet’s health care 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.



Our Conclusion

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 saves 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 Pet Insurance in Kansas



Our Rating Methodology

The This Old House Reviews Team is 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.

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