Kansas’ Top 7 Pet Insurance Companies
Based on our research, here are our top seven picks for pet insurance companies in Kansas:
5,534 pet owners requested and received a free no-obligation quote from one of the above companies in the last 30 days.
What’s the Best Pet Insurance in Kansas?
After reviewing available plans and obtaining quotes from each company, we chose Spot as our top pick for pet insurance in Kansas.
Spot Pet Insurance
Most Customizable Coverage
Healthy Paws
Most Affordable Unlimited Coverage
Figo
Most Flexible Reimbursement Rates
Embrace
Our Pick for Savings
Wagmo
Most Wellness Plan Options
Fetch Pet Insurance
Our Pick for Comprehensive Coverage
Trupanion
Our Pick for Unlimited Lifetime Payouts
Compare the Top Pet Insurance Providers in Kansas
How Much Does Pet Insurance Cost in Kansas?
Costs for pet insurance vary depending on several factors, including breed, age and location. Older pets cost more to insure, as do certain purebreds known to have costly health problems (like French bulldogs).
The average pet insurance plan in Kansas costs $68 per month for dogs and $30 per month for cats. To determine average pet insurance costs in the Sunflower State, we obtained quotes from 10 providers for four sample pets, including:
- A 5-year-old medium, mixed-breed male dog
- A 2-year-old female golden retriever
- A 5-year-old mixed-breed male cat
- A 2-year-old female Siamese cat
The following table shows the average plan costs for dogs and cats in Kansas, broken down by provider.
| Provider | Dog Insurance | Cat Insurance |
|---|---|---|
| Spot | $105 | $43 |
| Embrace | $75 | $38 |
| Healthy Paws | $55 | $23 |
| Fetch | $84 | $38 |
| Figo | $52 | $23 |
| Pets Best | $45 | $21 |
| Paw Protect | $76 | $39 |
| ASPCA Pet Health Insurance | $61 | $23 |
| ManyPets | $30 | $28 |
| Trupanion | $99 | $26 |
What’s the Cheapest Pet Insurance in Kansas?
Based on our research, ManyPets offers the cheapest pet insurance plans in Kansas for dogs and ASPCA Pet Health Insurance for cats. While it is important to take cost into account, be mindful that lower costs can sometimes result in insufficient coverage for your pet’s needs. We recommend you research plans and providers carefully, read customer reviews and obtain quotes before automatically choosing the cheapest provider.
How To Choose the Best Pet Insurance in Kansas
Choosing the best pet insurance plan requires knowing how pet insurance works so you can determine the type and extent of coverage necessary for your pet. Each plan and provider has pros and cons, but different factors will carry different weights for different people. Some of the main factors to look at while shopping for pet insurance include:
- Coverage and plan types: Pet insurance plans are generally available in two types: accident-only and accident and illness. The former covers costs related to accidents and injuries, such as falls, torn nails or cuts, while the latter covers accidents plus illnesses, such as cancer, infections or heart disease. Wellness coverage is also available to cover vaccines, spay and neuter procedures, or routine dental care.
- Fine print: All insurance plans have exclusions and limitations, or the fine print of a policy. Always look through a sample policy before purchasing to ensure coverage terms and conditions are clearly spelled out and not written in confusing language. This can help to eliminate surprises if a company denies your claim.
- Customization: Most plans allow pet owners to customize their coverage by choosing a deductible, annual limit and reimbursement percentage from a list of options. You can benefit from providers offering more choices because you can adjust the amount you pay each month. For example, raising your deductible can lower your premium and vice versa. However, some pet owners may prefer fewer choices for a simpler signup process.
- Customer satisfaction: Customer reviews can help you decide whether an insurance provider delivers on its promises. Take time to read customer reviews on sites including Trustpilot and the Better Business Bureau (BBB) for real-world information about your top plan choices.
Once you’ve narrowed down your top choices, request quotes to know how much coverage will cost you. Getting a quote can also confirm your chosen plans are available in your area. Insurance laws vary from state to state and can influence plan availability and features.
What Are the Pet Laws in Kansas?
Kansas state pet laws are in place to protect pets, pet owners, wildlife and the public. These laws set basic guidelines for pet care, vaccinations and responsible pet ownership. Notably, Kansas state law provides protections for people who break into vehicles to free pets in distress and penalties for owners of dogs that harass or harm livestock.
Here are a few examples of laws that pertain to specific cities in Kansas.
Kansas City Pet Laws
- Residents cannot keep more than six dogs or cats without a special permit.
- Dogs and cats for sale must be dewormed and certified parasite-free by a veterinarian.
- Cat owners may be fined if their roaming cat damages another person’s property.
Wichita Pet Laws
- Intact dogs running at large repeatedly must be microchipped and sterilized within 30 days of their return.
- Residents cannot own more than two pit bulls, which must be microchipped, registered and sterilized.
- Animals are not allowed at city-sanctioned festivals or events.
Topeka Pet Laws
- Dogs, cats and miniature pot-bellied pigs must be registered with the city.
- Dogs and cats in heat must be properly confined.
- Dogs deemed dangerous must be microchipped, sterilized and muzzled when outside of the home. Additionally, owners cannot transfer ownership of the dog under any circumstances.
Understanding Pet Insurance Terminology
Understanding pet insurance terminology can also help you choose a plan. Here are a few basic definitions:
- A waiting period is the period, usually between 24 hours and 12 months, between signing up for a plan and the beginning of coverage. Accidents and injuries that occur during the waiting period are not covered and may be considered pre-existing conditions.
- A deductible is the amount you pay before your plan pays any benefits. The deductible resets each year.
- Your premium is the annual cost, usually split into monthly installments, that you pay to purchase and maintain a pet insurance policy.
- Your reimbursement rate is the percentage of each eligible veterinary cost your plan will cover. You are responsible for paying the remaining amount. Most providers offer reimbursement rate options of 70%, 80% or 90%.
Most plans impose annual coverage limits or the maximum amount your provider will cover in a year. After you hit your annual coverage limit, the plan stops paying out benefits. Some plans, such as Wagmo’s, also impose lifetime or per-incident limits.
Is Pet Insurance Worth It in Kansas?
Generally, we believe pet insurance is worth the cost of annual premiums for Kansas pet owners. Having a policy can help you cover unexpected veterinary costs and ensure you don’t have to choose between life-saving care and other essential expenses. With many choices on the market, pet owners can find a plan that suits their budgets and needs in Kansas.
Our top pick for a pet insurance provider in Kansas is Spot, but the other companies on our list also offer unique strengths and features. To ensure you’re getting the best coverage at the best rate, we recommend getting quotes from at least three different providers and thoroughly researching each plan before making a decision.
Frequently Asked Questions About Pet Insurance in Kansas
Unlike human health insurance, pet insurance does not restrict policyholders to certain networks. Pet owners with an insurance plan can choose to use any veterinarian’s services, pay their veterinarians directly and file a claim with their insurance provider for reimbursement. However, some pet insurance providers, such as Trupanion, allow direct payment from the provider to the vet.
Most pet insurance plans cover X-rays and bloodwork when necessary to diagnose or treat a condition due to an accident or an illness. However, most insurers will only cover X-rays or bloodwork related to wellness or routine care if you purchase an additional preventive care plan.
Generally, pet insurance works by reimbursing the policyholder for eligible veterinary bills. This payment model allows you to bring pets to a vet of your choosing and request reimbursement after paying medical bills upfront. A select few companies may contract with veterinarians to offer direct payment, but most require policyholders to pay their veterinary bill and file for reimbursement afterward.
How We Ranked the Best Pet Insurance Providers in Kansas
We conducted extensive research to rank the top pet insurance providers in Kansas. We use an objective ranking scale to determine a star rating for each company, which includes parameters such as pricing, plan options, covered treatments, customization, industry reputation, customer service, waiting periods and coverage age limits. We ranked plans with the highest star ratings based on availability in Kansas and responses to our national survey of pet owners with pet insurance, which included satisfaction ratings for each provider on our list.
We collected cost data by obtaining sample quotes for four hypothetical pets across 11 providers and averaging the results. Our sample pets included a 5-year-old medium, mixed-breed male dog, a 2-year-old female golden retriever, a 5-year-old mixed-breed male cat and a 2-year-old female Siamese cat. See our full pet insurance methodology and editorial guidelines for more information about our ranking and research processes.
Additional Pet Insurance Resources
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