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


Known for its thoroughbred horse racing and bluegrass, Kentucky is a prime location for animal lovers. According to the American Veterinary Medical Association, Kentucky races into ninth place for the highest rate of pet ownership, with over 64% of households owning pets.

You know you can’t always bet on predictable pet costs as a pet parent in Kentucky. While your furry friend is having fun chewing a bone or climbing a tree, it can get itself into trouble – which often results in a pricey vet bill.

Pet health insurance is a fast-growing tool to help you curb high veterinary care expenses and add some predictability to pet care.

In this article, we’ll saddle up and look at different plans, costs, add-ons, and limitations to help you find the best pet insurance in Kentucky. Specifically, you’ll learn about the following pet insurance companies that are up and running in the Bluegrass State:


Best Kentucky 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

Pet Insurance Companies in Kentucky Reviews

We’ve selected some top pet insurance providers available to Kentucky residents. These pet insurance companies offer different plans, add-on packages, and price points, giving you various options to consider.

None of these providers offer pet insurance for birds and other exotic animals, so your feathery and scaly friends will have to look elsewhere. When it comes to dogs and cats, these providers offer great options for coverage of unexpected accidents and illnesses.


Spot Pet Insurance

Spot offers pet insurance plans at customizable rates. On average, a plan will cost $30-$50 per month for dogs and $18-$25 per month for cats. A wellness plan for routine care will cost you about $10-$25 extra per month, depending on the plan you choose.

You can even mix and match the following rates for a customized monthly premium that fits your coverage and budget needs.

Annual limit – $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited.

Reimbursement rate – 70%, 80%, 90%.

Annual deductible – $100, $250, $500, $750, $1,000.

Spot’s accident/illness plan covers your pet’s unexpected injuries and illnesses. It also covers dental diseases, hereditary/congenital conditions, and behavioral issues.

You can buy an accident-only plan for coverage of your pet’s unexpected mishaps like bite wounds, foreign object ingestions, broken bones, abscesses, and cuts.

Spot won’t cover your pet’s pre-existing conditions, cosmetic procedures, breeding costs, or preventative care.

For preventative care coverage, you can purchase one of Spot’s wellness package add-ons. Spot’s wellness packages have per-item limits, so you’ll be reimbursed up to a certain amount for specific services. 

Take a look at Spot’s per-item limits for its Gold and Platinum wellness add-ons:

Wellness item Gold Platinum
Dental Cleaning* $100 $150
Wellness exam $50 $50
Deworming $20 $25
Canine DHLPP or Feline FVRCP vaccine $20 $25
Rabies or FIP vaccine $20 $25
Fecal Test $20 $25
Canine Heartworm or Feline FeLV test $20 $25
Flea/Heartworm prevention $25
Canine Bordetella or Feline FeLV Vaccine $25
Health certificate $25
Blood test $25
Urinalysis $25
Total Annual Benefit $250 $450

*With the Platinum wellness package, you can put your $150 allotment towards a dental cleaning OR a spay/neuter procedure.


  • No upper age limits
  • Unlimited annual coverage option
  • 10% multi-pet discount


ASPCA Pet Insurance

ASPCA pet insurance provides coverage for your unexpected veterinary costs. We like that the company automatically includes exam fee coverage, which many other providers charge extra for or don’t cover at all.

ASPCA plans cost around $50 per month for dogs and $30 per month for cats. You’ll pay $10-$25 extra per month to add a wellness package.

ASPCA doesn’t offer an unlimited annual payout option, but you can choose from various reimbursement, deductible, and annual benefit rates to personalize your plan.

You can customize your ASPCA pet insurance plan with the following rate options:

Annual limit – $3,000, $4,000, $5,000, $7,000, $10,000.

Reimbursement rate – 70%, 80%, 90%.

Annual deductible – $100, $250, $500.

ASPCA’s base accident/illness plan covers your pet’s injuries and illnesses, along with dental disease, hereditary conditions, and behavioral issues. 

You can purchase wellness coverage for an extra monthly fee of about $10-$25. ASPCA’s preventative care coverage is comparable to Spot’s, with annual payout caps of $250 and $450 and per-item limits. 

Here is a look at ASPCA’s per-incident wellness limits:

Wellness Item Basic Prime
Dental cleaning* $100 $150
Wellness exam $50 $50
Deworming $20 $25
Canine DHLPP or Feline FVRCP vaccine $20 $25
Rabies or FIP vaccine $20 $25
Fecal test $20 $25
Canine Heartworm or Feline FeLV test $20 $25
Blood test $25
Urinalysis $25
Flea/Heartworm prevention $25
Canine Bordetella or Feline FeLV vaccine $25
Health certificate $25
Total Annual Benefit $250 $450

*With the Prime wellness package, you can put your $150 allotment towards a dental cleaning OR a spay/neuter procedure.

ASPCA doesn’t cover pre-existing conditions, incidents that occur during waiting periods, cosmetic procedures, or breeding costs.


  • No exam required for enrollment
  • Exam fees automatically covered
  • Includes microchipping coverage


  • Annual coverage capped at $10,000
  • $2 monthly transaction fee

Embrace Pet Insurance

Embrace pet insurance provides comprehensive coverage for your pet’s unexpected accidents and illnesses. It also covers exam and consultation fees, diagnostic testing, procedures, emergency care, prescription medications, and more. 

Embrace won’t cover your pet’s pre-existing conditions or incidents during waiting periods, which is standard across the industry. Embrace will, however, cover some pre-existing conditions that have been cured or asymptomatic for at least 12 consecutive months prior to policy onset.

An Embrace plan typically costs about $30-$40 per month for dogs and $15-$20 for cats.

Embrace allows a solid level of customization to help you get the coverage and price you need. You can choose from the following rates when building a plan:

Annual limit – $5,000, $8,000, $10,000, $15,000, $30,000.

Reimbursement rate – 70%, 80%, 90%.

Annual deductible – $200, $300, $500, $750, $1,000.

Embrace doesn’t offer an unlimited annual payout, so your coverage will be capped at $30,000. It does, however, have an exclusive diminishing deductible system that reduces your deductible by $50 for every year you don’t submit a claim. Embrace’s Healthy Pet Deductible encourages you to keep your pet healthy and updated on preventative care.

For your pet’s preventative care, you can purchase one of Embrace’s wellness packages for $19-$52 extra per month.

Unlike Spot, Embrace’s wellness plans don’t have per-item limits. Instead, Embrace allows you to choose from allowances of $250, $450, and $650 to spend on whatever routine care services you choose. Embrace’s wellness plans only save you about $25 per year and act as a budgeting tool for your pet’s expected care needs.


  • Healthy Pet diminishing deductible program
  • Dental illness coverage
  • More flexible pre-existing condition policy


  • No unlimited annual coverage option
  • Wellness plan doesn’t help you save much money

Healthy Paws Pet Insurance

Healthy Paws pet insurance helps you cover the costs of your pet’s unexpected veterinary visits. The company also operates the Healthy Paws Foundation, which supports animal welfare causes. Since its establishment in 2009, the foundation has donated nearly $2 million to deserving animal rescue organizations and shelters.

Healthy Paws’ dog insurance plans start at around $25 per month but typically cost around $40 per month. You can buy a cat insurance plan for about $12-$20 per month.

Healthy Paws offers one accident/illness plan for your pet’s unexpected veterinary needs. The plan covers accidents, illnesses, hereditary conditions, congenital conditions, chronic conditions, cancer, diagnostic testing, scans, surgery, emergency care, prescription medications, and more. 

All Healthy Paws insurance plans come with an unlimited annual benefit, so your coverage will never be capped. Healthy Paws does, however, limit your plan customization by your pet’s age. 

If your pet is 3 years old or younger, you can mix and match the following rates:

Reimbursement rate – 70%, 80%, 90%.

Annual deductible – $100, $250, $500.

The older your pet is at the time of enrollment, the fewer options you’ll have for customization. 

Ages 4 and 5:

Reimbursement rate – 70% or 80%.

Annual deductible – $250, $500.

Age 6:

Reimbursement rate – 70%.

Annual deductible – $500.

Age 7:

Reimbursement rate – 70%.

Annual deductible – $750.

Ages 8 Through 13:

Reimbursement rate – 50%.

Annual deductible – $1,000.

No Healthy Paws plan will cover your pet’s pre-existing conditions, exam fees, office visit fees, or preventative care services. Healthy Paws doesn’t offer any wellness package add-ons. 


  • Unlimited maximum payouts
  • Donates to animal welfare efforts


  • No option for wellness or exam fee coverage
  • Customizability limited by age

How Does Pet Insurance Work in Kentucky?

Human health insurance works through networks, which means your healthcare provider is connected to your insurance company.

Pet insurance in Kentucky operates on a claims reimbursement system. This means you’ll pay for vet costs out of pocket and then submit the receipt to your pet insurance provider. Most pet insurance companies have online portals or mobile apps so that you can submit claims from anywhere at any time. 

You’ll simply save your pet’s medical records and itemized invoices from each vet visit. You’ll then submit these documents online as a claim, and your pet insurance provider will reimburse you accordingly. 

Keep in mind that the provider may ask for more documentation or reject your claim based on coverage exclusions. To avoid confusion about what items are covered, you should read pet insurance reviews and policy fine print before selecting a plan.

How to Choose the Best Pet Insurance in Kentucky for You 

You might be wondering if pet insurance is worth it. We definitely think it is, but we also know that different plans are better suited to different needs. To choose the best pet insurance in Kentucky for your specific budget and pet, you should consider the different plan structures, limitations, and discounts on the market.

Accident/illness Coverage

Accident/illness coverage is the most traditional and comprehensive form of pet insurance. These plans help you cover expenses associated with diagnosing and treating your pet’s unexpected accidents and illnesses.

Accident-only Coverage

Accident-only coverage is a good option for pet parents seeking coverage for accidental injuries. If your pet is in good health and doesn’t tend to get sick, an accident-only plan might be a good option for you.

Some providers limit older pets to accident-only coverage because they’re more likely to get sick and incur hefty veterinary bills. Accidents and injuries can happen to any pet, so coverage is necessary.

Wellness Coverage

You should choose a provider with wellness coverage if you want reimbursement for your pet’s preventative care costs. Preventative care services are the routine vet visits your pet will have each year, such as dental cleanings, wellness exams, routine blood work, and parasite prevention.

Some wellness plans can save you over $100 on your expected yearly vet visits. Other wellness programs – such as those provided by Embrace – won’t save you much money but instead help you budget out monthly costs.

Waiting Periods

A waiting period is a time frame at the beginning of your pet insurance policy before coverage kicks in. Providers enforce waiting periods to ensure your pet is free of pre-existing conditions before starting coverage.

If your pet is young and accident-prone, you’ll want to select a policy with a short accident waiting period. Suppose your pet is older or of a breed at risk for cruciate ligament injuries or hip dysplasia. In that case, you need to choose a provider that covers these items and has reasonable waiting periods. The industry standard for hip dysplasia waiting periods is six months to a year.


Some providers offer discounts to help make your plan more affordable. Spot, Embrace, and ASPCA automatically apply a 10% multi-pet discount when you enroll more than one pet. Some providers also offer discounts for military personnel or service animals.

When choosing a pet insurance policy, keep an eye out for exclusive discounts that can benefit you and your pet.

How Much Does Pet Insurance Cost in Kentucky?

On average, pet insurance in Kentucky costs $30-$45 per month for dogs and $15-$25 for cats. Pet insurance from any provider will vary depending on your pet’s species, age, and ZIP code, so keep those things in mind when retrieving quotes.

To help you understand how such factors affect monthly costs, we’ve retrieved quotes for the same pet in two Kentucky cities. 

A Spot pet insurance plan for a 1-year-old Chihuahua costs $25 per month in Lexington and $16 per month in Bowling Green. If the dog were 7 years old, the costs would be $43 and $28, respectively.

Here are sample pet insurance quotes for a 3-year-old German Shepherd and American Bobtail cat in Louisville, Ky. These plans had different annual limits depending on the provider, but each has a $500 annual deductible and 80% reimbursement rate.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot $34 $15 $10-$25
Embrace $35 $25 $19-$52
Healthy Paws $47 $19 No wellness option
ASPCA $45 $15 $10-$25

Final Thoughts

The Bluegrass State is full of wag-worthy pet insurance options to cover your pet’s veterinary expenses.

We hope this article helps you find the best pet insurance in Kentucky to fit your specific needs. Choosing a provider can seem impossible, but we’ve narrowed it down to a few of the best to help you compare and select the perfect plan.

No matter which provider you choose, remember to read the fine print of your policy to uncover any sneaky exclusions. Also, remember to enroll your pet as early as possible to avoid it developing any pre-existing conditions.

No matter what you choose, we hope you have peace of mind knowing you can provide the best care for your pet without breaking the bank.

Information for Pet Owners in Kentucky

Whether you’re a longtime resident or tourist passing through, you’ll find plenty of things to do in Kentucky. Horse lovers know Kentucky as the home of the Kentucky Derby and the International Museum of the Horse, but the state isn’t only for equestrian fanatics. 

Let’s look at what Kentucky has to offer when it comes to pet-friendly locations, activities, and owner resources. We’ll also note a few of the state’s pet laws to help you practice responsible pet ownership. 

Kentucky Pet Laws 

Kentucky’s pet laws are common and function to create safe, responsible pet ownership standards. 

Some cities in Kentucky require pet registration, so you’ll have to purchase a yearly license to own your pet.

In Kentucky, you must keep your dog on a leash at all times when off your own property. You can tether your dog outside for no more than one hour per day.

Dog, cat, and ferret owners must vaccinate their pets against rabies and have tags for proof. If your pet bites someone, animal control officers have the right to request proof of registration and rabies vaccination and can quarantine your pet for up to 10 days.

Fun Things to Do With Your Pet in KY

From thoroughbreds to mutts, pets of all shapes and sizes belong in the Bluegrass State.

Kentucky is bursting with pet-friendly activities for you and your furry family members to enjoy.

Stop by Double Dogs for a bite to eat with your best friend. This dog-friendly eatery has locations across Kentucky serving up tasty dishes, including “Pickled Paw Prints” and “Dog Bowl Nachos.” Your pup will love joining you for a meal and greeting the puppy loving staff. 

If you’re looking for a new furever friend, check out the Lucky Cat Café in Louisville. Staffed by volunteers, Lucky Cat is the only non-profit cat cafe in the Southeast U.S. 

Lucky Cat Café is home to over a dozen cats – many elderly or disabled – that are ready for adoption. Sip a Cat’s Meow Cocoa and find your purrfect match.

Kentucky Pet Resources

The Kentucky Humane Society (KHS) is Kentucky’s largest pet adoption agency and oldest animal welfare organization. The KHS provides several pet owner resources, including its Safe Haven Program, Safety Net Foster Program, and dog training classes. The KHS also operates a Free Pet Helpline for questions about pet behavior, health, or other financial resources.

No Kill Louisville is a volunteer organization striving to “build a community where no adoptable pet is killed.” The organization hosts adoption events, fundraisers, and a pet food bank to create a community that welcomes and protects companion animals.

If you’re struggling to afford food for your animal, you can visit No Kill Louisville’s Pet Food Bank. The food bank operates entirely on donations, so it’s designed to be a temporary source of pet food. You can visit once a month to take care of your pet and get back on your feet.

Frequently Asked Questions About Pet Insurance in Kentucky 


What is Pet Insurance? 

Pet insurance is health insurance for your pet that reimburses you for part of your pet’s vet bills based on your specific plan’s coverage. Unlike human insurance, pet insurance providers do not pay for your pet’s medical bill at the vet clinic or animal hospital. Instead, your pet insurance provider will reimburse you directly after you’ve submitted your claim. Most pet insurance plans will reimburse you for between 50 to 90% of the total vet bill. This means that you’ll pay out of pocket for your dog or cat’s medical bill at the time of the visit, then submit your claim to your pet insurance provider, which will then reimburse you for the cost up to your plan’s reimbursement rate.

Does pet insurance cover all veterinary expenses? 

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.

Is buying pet insurance worth it in Kentucky? 

For most pet owners, pet insurance is absolutely worth it. We never know when our pet could have an unexpected accident or develop an illness, so having a backup plan in place to help pay for your pet’s vet bills is beneficial for most pet parents. Vet bills can quickly add up to hundreds, or even thousands of dollars, which many pet parents don’t have readily available. 

Having pet insurance protects you financially and gives you peace of mind that you won’t have to say no to recommended treatments to benefit your pet’s health and happiness.


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.