The Best Pet Insurance Companies in Kentucky (2024)

Spot earns 4.5 out of 5 stars and is a well-rounded and highly customizable option for Kentucky pet owners. The company lets you choose from several deductible amounts, annual limits and reimbursement rates. 

Spot’s plans are comprehensive and include coverage for medications, surgeries, specialists, exams, poison control, microchipping, alternative medicine, dental extractions and more. Like all pet insurance providers, Spot doesn’t cover pre-existing conditions or those that arise during the waiting period.

To get a sense of Spot pet insurance costs in the Bluegrass State, we requested quotes for four hypothetical pets: a 5-year-old medium, mixed-breed dog; a 2-year-old golden retriever; a 5-year-old mixed-breed cat; and a 2-year-old Siamese cat. Based on our research, the average monthly cost for a Spot plan is $55 per month. 

When we calculated annual premium costs and compared them to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we determined policyholders could save $158 per year.

If you don’t need comprehensive accident and illness coverage, you might want to check out Spot’s low-cost accident-only plan, which averages $45 per month for dogs and $16 per month for cats. Pet owners looking for a complete insurance package can choose to add preventive care plans for $10 or $25 per month.

Fetch earns 4.3 out of 5 stars and is our pick for comprehensive coverage. Fetch offers only one plan, but it covers virtually anything you’d need, including advanced dental treatments, extensive holistic care options, herbs, supplements and exams. It also offers a lengthy list of additional perks with $1,000 in annual allowances to pay for lost-pet advertising, telehealth visits and behavioral treatments.

Based on our research, the average cost for a Fetch plan in Kentucky is $43 per month. When we compared annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we found policyholders could save $309 per year. 

Fetch offers optional wellness benefits in three tiers, which cost an additional $11 to $32 per month.

Embrace earns 4.7 out of 5 stars and is our top pick for savings in the Bluegrass State. For many pet owners, Embrace offers the best of everything: solid customization options, high annual limits, comprehensive coverage and discounts. Military veterans, employees in savings programs and people with multiple pets could benefit from Embrace’s extensive savings programs. Embrace also introduced a discounted premium program for policyholders whose reimbursements stay below $300 each year.

Based on our research, the average cost for an Embrace plan in Kentucky is $53 per month. After calculating annual premium costs and comparing them to estimated annual pet ownership expenses, including veterinary visits, emergencies, medications and vaccines, we determined policyholders could save $183 per year.

Embrace lists prescription drug coverage costs as an optional plan feature that adds less than $1 to monthly premiums. Another option is the accident-only plan, which is the only choice for pets enrolling after they’re 15 years old. It can be chosen for younger pets by calling customer service and speaking to a representative. Flexible wellness rewards are available with $250, $450 or $650 in annual benefits, costing an extra $18 to $52 per month.

ASPCA Pet Health Insurance earns 4.8 out of 5 stars and is our favorite plan for older Bluegrass State pets. The plan is well-rounded, offering short waiting periods, good coverage, several plan options and low monthly premiums. To keep costs low and because it claims most pets don’t need much more, ASPCA Pet Health Insurance offers a maximum of just $10,000 in annual coverage when signing up online.

We found the average monthly cost for an ASPCA Pet Health Insurance plan in Kentucky to be $29 per month. Comparing annual premium costs to estimated annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, we determined policyholders could save $474 per year. 

ASPCA offers flexibility with its accident-only plan, which costs an average of $25 per month for dogs and $12 per month for cats. Rounding out the options are two preventive care add-ons, available for $10 and $25 per month.

Healthy Paws earns 4 out of 5 stars and is our pick for affordable unlimited coverage in Kentucky. Since its inception in 2009, Healthy Paws has focused on providing comprehensive accident and illness coverage, which results in a simpler and more streamlined experience than providers with bare-bones base plans. 

In reviews, Healthy Paws customers rave about its quick response time for claims and its easy-to-use portal. Note that senior pet owners will notice significant decreases in their coverage rate to keep costs low.

Based on our sample quotes, the average cost for a Healthy Paws plan in the Bluegrass State is $37 per month. By looking at the plan’s annual costs and estimated annual pet ownership expenses without insurance, we determined policyholders could save $372 per year. 

Figo earns 4.7 out of 5 stars and is our top pick for Kentucky pet parents who value flexible reimbursement rates. It stands out for offering a 100% reimbursement rate option, which means that beyond meeting your deductible and paying your premiums, Figo will cover eligible veterinary costs.

Figo’s accident and illness plans are similarly comprehensive to others on our list, but exam fees and prescription food coverage require a sometimes-costly add-on fee. The company’s defining feature is its online app, which allows for hassle-free claims submission, fast reimbursements and easy access to customer service.

Our findings put the average cost for a Figo pet insurance plan in Kentucky at $20 per month. When comparing annual premium costs to estimated annual pet ownership expenses, including vet visits, emergencies, vaccines and medications, we found policyholders could save $585 per year. 

Exam fees are not included in Figo’s plan, but you can add them for an additional $3 to $5 per month on average. For routine care coverage, you can select from two wellness options for an extra $10 or $17 per month.