Best Pet Insurance in Kansas: Top Companies & Plans (2023 Review)

by | 11/21/2022

Kansas is home to vibrant sunflowers, rolling wheat fields, and a whole lot of pets. Over 60% of Kansas households own pets, which means there are many furry family members to take care of.

Top-notch veterinary care is a large part of your pet’s health and happiness. As a pet parent, you know vet care is costly – and you don’t need financial stress when you’re already worrying about your buddy being injured or sick.

Many pet owners across the nation are purchasing pet insurance to quell the financial burden of unexpected veterinary bills. There are many top-rated providers on the market, and we’ve reviewed a few of them to help you compare plans, costs, and coverage.

To help you find the best pet insurance in Kansas, we’ll discuss:

  • What pet insurance covers
  • How pet insurance works in Kansas
  • How to choose the best pet insurance policy
  • How much pet insurance in Kansas costs

We’ll review the following providers to help you find the best pet insurance in Kansas:


Best Kansas Pet Insurance Companies & Plans

Provider Visit Site Waiting Period* Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days Yes No age limit A-
Embrace Site Link 14 days for illnesses, 48 hours for accidents Yes 14 years old A+
Healthy Paws Site Link 15 days Yes 14 years old A-
ASPCA Site Link 15 days Yes No age limit N/A

*The waiting periods above apply to accident/illness coverage. Waiting periods for orthopedic conditions like hip dysplasia and cruciate ligament injuries are typically six to twelve months, depending on the provider.

Pet Insurance Companies in Kansas Reviews

We think pet insurance is an excellent tool for keeping your pet happy and healthy. You’ll pay expected monthly fees in exchange for peace of mind when it comes to handling unexpected veterinary bills. 

The following section will review some providers that offer customizable plan options and comprehensive coverage. A few of them also provide wellness coverage for an additional monthly fee so that you can keep your pet up-to-date on routine care.

Spot Pet Insurance

Spot Insurance Services, LLC is headquartered in Florida and underwritten by the United States Fire Insurance Company. Spot pet insurance is a great option for customizable plans, unlimited annual benefits, and competitive preventative care coverage.

Spot’s accident/illness plan covers your pet’s unexpected injuries and illnesses, alternative therapy, scans, surgery, hospitalization, microchip implantation, behavioral therapy, and more.

On average, Spot’s accident/illness plan costs $30-$50 per month for dogs and $18-$25 per month for cats. You can customize your monthly cost by mixing and matching Spot’s deductible, annual limit, and reimbursement rates.

You can purchase Spot’s Gold or Platinum Preventive Care packages for reimbursements on your pet’s routine care and wellness services. Both packages have per-item limits, so you’ll have to split the allowance between services.

The Gold package costs about $10 per month and provides up to $250 in yearly reimbursements on services like dental cleanings, wellness exams, vaccinations, fecal tests, heartworm tests, and deworming. You can pay $25 per month for the Platinum package and get up to $450 in reimbursements for dental cleanings, vaccinations, preventative tests, and health certificates.

Spot does not cover:

  • Pre-existing conditions*
  • Cosmetic procedures
  • Boarding fees
  • Grooming services
  • Birds and exotic animals
  • Incidents that occur during waiting periods

*Like all other pet insurance providers, Spot won’t cover your pet’s pre-existing conditions. However, Spot will cover conditions that have been cured, asymptomatic, and not treated for 180 days before the policy start date.


  • Highly customizable plans
  • Preventive care add-on
  • Flexible pre-existing condition policy


  • No office fee coverage
  • Higher monthly premiums

ASPCA Pet Insurance

ASPCA pet health insurance was founded in 2017 and is administered by C&F Insurance Agency, Inc.

ASPCA offers an accident/illness plan, accident-only plan, and wellness add-ons to cover various veterinary needs. ASPCA coverage includes unexpected accidents and illnesses, hereditary conditions, congenital conditions, behavioral issues, cancer treatment, and exam fees.

On average, you’ll pay a monthly fee of $50 for dogs and $30 for cats. You can customize your ASPCA plan by choosing from different deductibles, annual limits, and reimbursement rates.

ASPCA offers low deductible options, so you’ll pay less out of pocket before coverage kicks in. However, the provider has an annual coverage maximum of $10,000, which means your yearly benefit can’t exceed that amount. This is a relatively low coverage cap, considering many other top providers offer unlimited annual payouts.

ASPCA offers two wellness plans to supplement your pet’s accident/illness coverage. 

You can select the Basic Preventive Care package for up to $250 worth of coverage for dental cleanings, wellness exams, deworming, vaccinations, and fecal tests. The Prime package provides up to $450 in reimbursements for dental cleanings, spay/neuter procedures, deworming, health certificates, fecal tests, blood work, vaccinations, and more.

The Basic and Prime packages both have per-item limits, so you’ll be reimbursed up to a certain dollar amount for individual services.

ASPCA’s coverage excludes:

  • Pre-existing conditions
  • Breeding costs
  • Incidents that occur during waiting periods
  • Cosmetic procedures
  • Exotic pets


  • Low deductibles
  • Microchip implantation coverage
  • Exam fees are automatically covered


  • Annual payout capped at $10,000
  • Fewer options for high coverage

Embrace Pet Insurance Review

Embrace pet insurance was founded in Ohio in 2006 and is underwritten by the American Modern Insurance Group.

Embrace offers plans to help you cover unexpected vet bills and budget for routine services. We like Embrace’s Healthy Pet Deductible program, which subtracts $50 from your deductible for every year you go without filing a claim.

Embrace’s accident/illness plans cover cancer treatment, chronic conditions, congenital conditions, dental injuries, exam fees, specialist care, physical therapy, and more. 

With Embrace, you’ll pay around $30-$40 per month for dogs and $15-$20 per month for cats. You can combine Embrace’s payout, reimbursement, and deductible rates for coverage that fits your needs.

Embrace’s preventative care coverage is a little different from other providers. You can choose a yearly allowance of $250, $450, or $650 to put toward your pet’s routine care. The plans have monthly fees of $19, $35, and $52, so you’ll save about $25 per year. There are no per-item limits, so you can use the allowance however you choose. 

You can use your Embrace Wellness Rewards package on routine checkups, parasite preventatives, microchipping, spay/neuter procedures, massage and acupuncture therapy, prescription pet food, grooming, fecal tests, blood work, dental cleanings, toenail trimming, training classes, and more.

Embrace pet insurance doesn’t cover:

  • Pre-existing conditions*
  • Boarding fees
  • Incidents that occur during waiting periods
  • Cosmetic or elective procedures
  • Natural supplements and vitamins
  • Administrative fees
  • Birds and exotic pets

*Embrace will consider covering pre-existing conditions that have been cured, asymptomatic, and untreated for 12 consecutive months before policy onset.


  • Diminishing deductible program
  • Wellness Rewards add-on
  • Dental illnesses coverage


  • Annual payout caps
  • Wellness coverage doesn’t help you save much money

Healthy Paws Pet Insurance

Healthy Paws Pet Insurance and Foundation is underwritten by the Chubb Group, an A+ rated insurer. Since 2009, Healthy Paws has donated nearly $2 million to animal welfare causes.

In addition to supporting animals in need, Healthy Paws also provides one easy-to-understand pet insurance plan for unexpected veterinary needs.

We like that Healthy Paws provides unlimited lifetime benefits for all plans, so your coverage is never capped. Healthy Paws also processes most claims in two days, giving you speedy reimbursement for unexpected and costly vet bills.

Healthy Paws’ accident/illness plan covers injuries, illnesses, hereditary conditions, congenital conditions, chronic conditions, cancer treatment, X-rays, blood tests, surgeries, hospitalization, prescription medications, specialty care, and more.

Healthy Paws’ pet insurance coverage costs about $40 per month for dogs and $20 per month for cats. The provider doesn’t offer any add-on packages, so you’ll just pay for insurance. 

Healthy Paws limits plan customizability by your pet’s age at enrollment, so keep that in mind if you have an older pet. If you enroll a younger pet, you can choose from different deductible and reimbursement rates. No matter what, you’ll always get unlimited coverage with no annual or lifetime maximums.

Healthy Paws won’t cover:

  • Pre-existing conditions
  • Exotic animals
  • Preventive, routine, or wellness care
  • Exam, office, or administrative fees
  • Incidents that occur during waiting periods


  • Unlimited lifetime benefits
  • Dedication to animal welfare
  • Quick claims processing


  • No coverage for wellness items or exam fees
  • Plan customizability limited by age

How Does Pet Insurance Work in Kansas?

Human health insurance operates through networks, which means healthcare providers accept certain insurance companies. Pet health insurance doesn’t operate through networks, so you can take your pet to any licensed veterinary clinic or animal hospital.

Pet insurance works on a claims reimbursement system. You’ll pay vet bills in full, and your pet insurance provider will reimburse you after the fact.

Save any medical records and itemized invoices from your vet visit; you’ll submit these documents online to file your pet insurance claim. Once you’ve submitted a claim, you can track its progress or ask any questions through your account. 

Your pet insurance provider will typically process your claim within two weeks. Therefore, suppose you submitted the proper documentation and covered all the services under your plan. In that case, your provider will send a check by mail or deposit your reimbursement directly into your bank account.

How to Choose the Best Pet Insurance in Kansas for You 

When choosing a pet insurance plan in Kansas, there are two essential factors to consider:

  • Monthly cost
  • Annual coverage

First, we want to note that your monthly pet insurance cost will vary depending on your pet’s species, breed, age, and ZIP code. Your pet’s age and breed might affect your coverage, too.

Take a look at how different factors affect Spot pet insurance quotes for a German Shepherd living in Kansas.

City Age (In Years) Rates Monthly Cost
Topeka 1 $2,500 annual payout limit

70% reimbursement rate

$1,000 annual deductible

Unlimited annual payout

90% reimbursement rate

$100 annual deductible

5 $2,500 annual limit

70% reimbursement rate

$1,000 annual deductible

Unlimited annual payout

90% reimbursement rate

$100 annual deductible

Wichita 1 $2,500 annual limit

70% reimbursement rate

$1,000 annual deductible

Unlimited annual payout

90% reimbursement rate

$100 annual deductible

5 $2,500 annual limit

70% reimbursement rate

$1,000 annual deductible

Unlimited annual payout

90% reimbursement rate

$100 annual deductible


When choosing an insurance plan, you might feel tempted to select the cheapest option available. While low-cost options are still valid, we encourage you to look at the coverage you’ll get for those lower prices. 

Plans for senior pets are automatically more expensive because the pets are at higher risk of illness and injury. Paying $25 per month is great until your pet needs medical care and you have to reach a high deductible. In this case, you might never reap the benefits of your pet insurance plan – and when you do, you’ll get low reimbursement and limited coverage.

To choose the best pet insurance in Kansas for you, we encourage you to step back and look at the whole picture of your pet’s health, vet costs, and your budget. 

You buy any insurance with the hope you’ll never have to use it, but good coverage is so helpful in dire situations. If your pet is accident or illness-prone, paying a higher monthly premium is worth it in the long run. Not only will you get more reimbursements and annual payouts, but you also won’t have to skimp on your pet’s medical care because of high costs.

How Much Does Pet Insurance Cost in Kansas? 

On average, you’ll pay $40-$60 for dog insurance and $15-$30 for cat insurance.

As you saw in the previous section, your price will depend on your pet’s species, breed, age, location, and the rates you select. 

Wellness package costs don’t typically vary by location, so you’ll pay the same amount no matter where you are. This is good if you’re in an area with cheaper vet costs because you’ll get more from your wellness allowance. If your vet’s preventative care services are on the higher end of the price range, you’ll meet per-item limits quicker and might have to cover costs out of pocket.

Regardless of your pet’s characteristics, pet insurance costs vary by provider, making some companies more competitive than others. 

To give you an idea of how price points vary by company, we’ve generated sample quotes* for a 3-year-old Labrador Retriever and an American Shorthair cat living in Kansas City, Kan.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost 
Spot $54 $25 $10-$25
Embrace $42 $26 $19-$52
Healthy Paws $48 $19 No wellness option
ASPCA $44 $15 $10-$25

*These sample plans have $10,000 annual limits, 80% reimbursement rates, and $500 yearly deductibles, when applicable.

Final Thoughts

Your pet’s health is a crucial part of its happiness and ability to be a fun, loving companion. As a pet owner, it’s your responsibility to provide your pet with top-notch veterinary care, even when it’s expensive.

Pet insurance is a tool that helps minimize financial stress during veterinary emergencies. You can focus on your pet’s healthcare, knowing you’ll be reimbursed for costly services. 

With so many solid pet insurance options on the market, we know it can be hard to choose the best one. This is why we’ve compiled comprehensive pet insurance reviews for a deeper dive into policies, add-on packages, plan exclusions, and costs. 

We hope this article helps you find the best pet insurance for your pet care and budget needs, so you’ll have coverage no matter where you are in the Sunflower State.

Information for Pet Owners in Kansas

Like Kansas’ rolling fields of wheat, your pet is absolutely golden. Your furry friend loves to be by your side, and Kansas provides some great opportunities for pet-friendly fun. We’ve listed a few fun things to do with your pet, so no one has to miss out on an adventure. 

We’ll also go over some Kansas pet laws to keep your buddy safe in the Wheat State. Last but not least, you can read about some Kansas pet owner resources for severe weather safety tips and pet financial support.

Kansas Pet Laws

Kansas pet laws hold pet owners to high responsibility and pet care standards. Kansas pet laws vary by city, so be sure to research the guidelines in your specific area.

No matter where you are, you should follow these rules to avoid legal trouble and, more importantly, ensure your pet’s health and safety.

  • You must obtain an official license to be a pet breeder in Kansas.
  • You must obtain a license for all dogs, cats, and ferrets.
  • You must have your pet dog, cat, or ferret vaccinated against rabies.
  • You must provide your pet with adequate food, water, shelter, and veterinary care.
  • You can have a maximum of four domestic pets per household, including dogs, cats, ferrets, and pot-bellied pigs.

Visit this site to learn about exotic pet laws in Kansas.

Fun Things to Do With Your Pet in KS

Treat your pet to a day at The Pet Ranch in Olathe, Kan. With a membership to The Pet Ranch’s private dog park, your pup will have access to 13 acres of off-leash fun. You and your dog can walk along trails, frolic through open fields, or play in the stream. There’s also an agility course for athletic pups.

The Pet Ranch offers pet boarding and daycare services if your buddy needs a vacation.

For more outdoor fun, you can bring your dog along to the Kansas City Renaissance Festival. After registering your pet online, you can bring it along as you explore a land of fantastical fun. 

Your pet will have a blast greeting pirates and princesses and chowing down on a rotisserie turkey leg. The festival sometimes sponsors dog-themed events like the Barkbarian Brew Fest, so keep an eye out for updates.

Kansas Pet Resources

Located in Tornado Alley, Kansas is prone to severe weather. In the event of a storm, you need to be prepared to hunker down or evacuate. 

The Ready Campaign provides pet owners tips and resources for protecting their pets during disasters. It recommends the following actions if a storm is headed your way:

  • Ensure you have a safe place to take your pet during a disaster. Many shelters and hotels won’t allow your pet inside.
  • Build an emergency supply pet kit including food, water, medicine, collars, leashes, a crate, and grooming supplies.

The Lawrence Humane Society (LHS) provides community members with low-cost spay/neuter and microchipping services. These services help reduce local pet overpopulation and return pets to their owners.

The LHS also operates the Crisis Pet Retention Program to support pet owners experiencing poverty and homelessness. The CPR Program provides pet rent support, pet supplies, emergency veterinary care, behavioral consulting, temporary boarding, wellness care, and more.

Frequently Asked Questions About Pet Insurance in Kansas

Does pet insurance cover all veterinary expenses in Kansas? 

No, pet insurance won’t cover all expenses you build up at the vet’s office. However, insurance will typically cover accidents and illnesses that aren’t pre-existing. Some policies will even offer wellness and preventative care add-ons that add additional benefits to your policy, like wellness exams and vaccines.

How much does pet insurance cost? 

Pet insurance costs will vary based on your pet insurance provider, location, your pet’s breed, your pet’s age, and more. Other factors that will influence the cost of pet insurance include the type of plan you choose, especially if the plan has extensive coverage and if you opt for preventative care add-ons. The more coverage your plan has, the higher the cost is likely to be. 

To give you a general idea of pet insurance costs, we’ve researched the following numbers for you. Currently, most dog insurance plans cost $28 per month on average, and cat insurance plans can cost as little as $11 per month. Depending on the plan, you can expect to pay anywhere from $10 per month to $90 per month in most cases.

What does Pet Insurance Typically Cover?

Depending on what type of plan you choose, your pet insurance plan will cover different things. Accident-only plans provide medical coverage for accidental injuries, such as broken bones, sprains, and prescription medications. Accident-and-illness plans try to extend that coverage to include cancer treatments, digestive illness, hip dysplasia, and similar issues.

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.