Best Pet Insurance Companies In Kansas For 2024
In our search for the best pet insurance in Kansas, we found that Lemonade Pet Insurance takes the top spot.
We’ve reviewed 40 quotes from 18 pet insurance providers, and Lemonade offers the most comprehensive coverage in the state. Moreover, it’s the go-to choice for affordable coverage, especially for pet owners with young companions.
But the competition is strong. ASPCA, Embrace, and Pets Best Pet Insurance shine in their respective categories too.
Read on for a detailed analysis of Kansas’s top pet insurance options, where we’ll delve into the different factors which affect your premiums.
Best Pet Insurance Companies In Kansas, 2024
Compare The Best Pet Insurance Companies In Kansas
| Overall Rating | Best For | Coverage Waiting Period | Average Annual Cost for Cats | Average Annual Cost for Dogs | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
|
Overall Coverage |
2 days for accidents and 14 days for illnesses |
$19 |
$35 |
Instant Quote |
| Embrace |
|
Cat Owners |
48 hours for accidents and 14 days for illnesses |
$20 |
$48 |
Instant Quote |
| Lemonade Pet Insurance |
|
Owners Of Young Pets |
2 days for accidents and 14 days for illnesses |
$19 |
$35 |
Instant Quote |
| ASPCA |
|
New Pet Owners |
Immediately for preventive care and 14 days for illnesses and accidents |
$39 |
$84 |
Instant Quote |
| Lemonade Pet Insurance |
|
Affordable Coverage |
2 days for accidents and 14 days for illnesses |
$19 |
$35 |
Instant Quote |
| Pets Best |
|
Owners Of Multiple Pets |
3 days for accidents and 14 days for illnesses |
$29 |
$41 |
Instant Quote |
Our Methodology
To find the most budget-friendly pet insurance rates in Kansas, our experts dug into data from various insurance companies across the state. We leveraged our team's extensive 25-year industry experience to assess each provider.
Keep in mind that while the rates we present are accurate, they can change daily, influenced by factors like your pet's age or breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Best Pet Insurance Companies In Kansas
Best Overall Coverage
Key Statistics
Why We Like Them
⇅Several factors contribute to a pet insurance company being the best choice, including cost, customer service, and claim payout speed. In Kansas, Lemonade Pet Insurance stands out in most categories, offering budget-friendly monthly rates of $19 for cats and $35 for dogs.
Beyond affordable rates, Lemonade also excels in customer service according to Kansas pet owners. Their team’s genuine care for animals shines through in their exceptional service to policyholders.
Benefits & Drawbacks
⇅- 2-day waiting period for accidents
- Top-tier claims processing department in the industry
- Multiple discounts accessible
- A portion of monthly premiums supports nonprofit organizations ✓
- Certain pet breeds face age-related enrollment limitations
- Policies aren't accessible in every state
- Pet owner credit and claims history impact insurance rates ✘
Cheapest Rates For New Pet Owners
Key Statistics
Why We Like Them
⇅For owners of new pets, selecting a pet insurance provider with a strong track record of supporting animal health, such as ASPCA, is crucial.
ASPCA, while having slightly higher premiums of $39 for cats and $84 for dogs, offers several advantages that outweigh the added expense. Notably, ASPCA imposes no age limits, allowing senior pets to obtain coverage without restrictions.
Furthermore, ASPCA provides additional coverage for behavioral issues and alternative therapies, which can prove particularly beneficial for certain dog breeds.
Benefits & Drawbacks
⇅- The coverage encompasses items such as alternative therapies, behavioral issues, and congenital conditions.
- For cruciate injuries, there's a mere 14-day waiting period.
- There's access to a 24/7 telehealth vet line.
- Standard policies include coverage for vet clinic visit fees related to illnesses and accidents. ✓
- The option for unlimited annual coverage is solely accessible through an agent.
- There are limited choices for deductibles. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Many pet owners aim to safeguard their beloved animals, but their perception is often that pet insurance is expensive. However, Lemonade Pet Insurance shows that it doesn’t have to strain your budget. On average, cat owners pay just $19, and dog owners $35.
Lemonade Pet Insurance also provides affordability through different discounts, including bundling options which can reduce your costs by up to 15%. They also offer a user-friendly mobile app for efficient policy management.
Benefits & Drawbacks
⇅- 2-day waiting period for accidents
- Quicker claims processing compared to major competitors
- Multiple available discounts
- A portion of the policyholder's premium contributes to nonprofits ✓
- Some pet breeds face age-related coverage limitations
- Coverage is subject to state-specific limitations
- Coverage is subject to state-specific limitations Pet owner credit and claims history affect insurance rates ✘
Cheapest Rates For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅Having multiple pets may entail additional costs for toys and food, but it can also lead to savings on your pet insurance policy. Numerous pet insurance providers, such as Pets Best, offer discounts for multi-pet policies.
In addition to these discounts, Pets Best boasts budget-friendly monthly premiums, with average cat insurance rates of $29 and dog insurance rates of $41.
Pets Best enhances the policyholder experience by offering several perks, including access to a 24/7 vet helpline for emergencies. Furthermore, they provide coverage for animals with disabilities or those requiring special prosthetic devices.
Benefits & Drawbacks
⇅- Benefits extend to pets needed wheelchairs or prosthetic devices
- Veterinarian help is available via the 24/7 vet healthline
- Accident coverage comes with a 3-day waiting period
- Flexible coverage options for accident and illness policies ✓
- Claims processing tends to be slower than other competitors
- Policy changes are only possible during the time of renewal ✘
Cheapest Rates For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Many people decide to adopt younger pets, allowing them to grow up along with their family. While the prospect of buying a kitten or puppy is exciting, it comes with added responsibilities that can be initially overwhelming. In addition to proper training, finding a pet insurance provider that simplifies coverage management is crucial.
Lemonade Pet Insurance strikes an ideal balance between user-friendly features and affordability. The company boasts a market-leading mobile app and a dedicated customer service team. Their average rates are $19 for cats and $35 for dogs.
For owners of young pets, Lemonade Pet Insurance stands out as an exceptional choice.
Benefits & Drawbacks
⇅- Policyholders enjoy a short 2-day waiting period for pet injuries.
- Claims processing is notably speedy.
- There are many discounts to take advantage of.
- A share of the policyholder's premium goes toward supporting nonprofits. ✓
- Certain pet breeds become ineligible for coverage after reaching a specific age.
- Coverage availability doesn't span all 50 states.
- Insurance rates are influenced by the credit and claim history of the pet owner. ✘
Cheapest Rates For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅For cat owners in Kansas seeking the finest insurance options for their feline friends, Embrace Pet Insurance is a compelling choice. This company provides budget-friendly rates for cat insurance, averaging just $20 per monthly premium.
Embrace goes beyond traditional support for local charities by donating $2 for every policy they sell.
Furthermore, Embrace Pet Insurance is the preferred partner of prominent car and home insurance providers like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- Affordable policy choices are available.
- The majority of standard policies provide coverage for treatable pre-existing conditions.
- Owners of pets requiring orthopedic care can bypass the waiting period by undergoing a vet exam. ✓
- Pets aged 14 or older are only eligible for accident-only policies.
- Supplementary coverage is not included in standard policies. ✘
How To Find The Best Pet Insurance Company For You
Purchasing pet insurance is akin to acquiring your life or health insurance. It’s crucial to compare rates from different companies, but before diving in, it’s important to understand the key aspects of a pet insurance policy.
For instance, most companies offer two types of coverage: accident-only or accident and forgiveness plans. Both have their merits and cater to various scenarios.
Accident-only coverage is often ideal for younger pets less susceptible to age-related illnesses. Conversely, breeds with a higher risk profile tend to benefit more from comprehensive plans.
Another vital consideration is the waiting period. Each pet insurance company has its specific waiting period for accidents and illnesses, so it’s essential to choose one that aligns with your pet’s health needs.
Average Cost Of Pet Insurance In Kansas
Average Cost In Kansas — Accidental-Only Coverage
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $27 |
| Pets Best | $31 |
| TrustedPals | $32 |
| Figo | $37 |
| ASPCA | $47 |
Average Cost In Kansas — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $14 |
| Sphynx | $16 |
| Siamese | $19 |
| Maine Coon | $23 |
Average Cost In Kansas — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Affenpinscher | $15 |
| Labradoodle | $32 |
| Greyhound | $60 |
| Newfoundland | $81 |
Average Cost In Kansas — Comprehensive Coverage
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $31 |
| Pets Best | $35 |
| Lemonade | $46 |
| Trusted Pals | $47 |
| Healthy Paws | $53 |
Largest Pet Insurance Companies In The United States
| Company Name | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | 0.73% |
| Pumpkin Pet Insurance | 0.48% |
How To Buy Pet Insurance Online In Kansas
Acquiring insurance for your pet is a straightforward process, particularly when utilizing a platform like Insuranceopedia. However, there are preparatory steps and actions you can take to expedite the process.
Here are four crucial steps to follow when purchasing pet insurance:
- Step 1: Collect all pertinent information in advance (e.g., pet type, breed, age, medical history, and any documentation regarding your pet’s lineage).
- Step 2: Determine the desired coverage amount and deductible for your pet.
- Step 3: Compare quotes from a minimum of three pet insurance providers to make an informed decision.
- Step 4: Finalize your policy purchase and inform your veterinarian about your new coverage.
Factors That Impact Cost Of Your Pet Insurance Policy In Kansas
Numerous pet owners believe that the monthly premium for their pet’s insurance is influenced by only a couple of factors. However, several factors contribute to determining the cost of pet insurance. These pricing factors encompass:
- Animal Type
- Breed
- Age
- Insurance Type
- Location
Breed
Similar to the category of the type of animal, your pet’s breed also plays a role in determining the cost of your pet health insurance. While many dog breeds have similar costs, some are considered higher risk.
For instance, bulldogs and boxers have a long history of skin and sinus issues, which can lead to higher monthly premiums due to the increased likelihood of health problems.
Animal Type
When you’re ready to purchase your pet insurance policy, the type of pet you own becomes a significant factor in determining your monthly payments. On average, dog owners pay 2-3 times more for coverage than cat owners due to the increased risk associated with dogs being outside more frequently.
Insurance Type
When you decide to purchase your pet insurance policy, you’ll typically have two primary options: accident-only coverage or accident and illness coverage. Both plans offer protection for your pet, but comprehensive policies generally come with higher monthly costs. Evaluating whether the added coverage is worth the extra expense is an important consideration.
Age
Your pet’s age is another crucial factor influencing the insurance quotes you receive from pet insurance providers. Some carriers maintain affordable pricing regardless of age, while others may deny coverage if your pet is too old. If you have a senior pet, it’s essential to explore pricing options from various providers.
Location
Regional pricing is another element that many pet insurance companies take into account when you apply for coverage. While there’s often not a significant difference in premiums from city to city, some state regions are considered higher risk due to an increased number of insurance claims originating from those areas.
Pet Insurance Discounts In Kansas
Like various health insurance plans, the cost of pet insurance in Kansas can vary. Your location plays a role in determining the price. To make pet health insurance more affordable, consider discounts. While not all pet insurance companies provide the same discounts, here are some options to consider:
- Employer-sponsored discounts
- Multi-pet discount
- Employee union discounts
- Wholesale and special interest clubs discounts
- Multi-policy discount
- Active and retired military discounts
- Senior discounts
- Online policy discounts
- Animal care employee discounts
- Special service animal discounts
Kansas Pet Insurance Laws To Know
While pet insurance is not mandatory for Kansas pet owners, there are laws and bills in place to ensure the protection of animals and their owners. Recently, House Bill 2323 was introduced and signed into law, addressing the use of a dog’s breed in homeowners’ and renters’ insurance decisions.
Previously, insurance companies could deny coverage, terminate policies, or charge higher premiums based on a pet’s breed. However, with the enactment of House Bill 2323, such discrimination based on a dog’s breed or appearance is now prohibited by law.
Information About Kansas
Kansas is renowned for its scenic beauty and diverse cultural heritage. This state boasts a rich Native American history, with numerous reservations and cultural landmarks that allow residents and visitors to immerse themselves in the traditions of Indigenous peoples.
In addition to its cultural significance, Kansas offers breathtaking natural attractions, making it a popular destination for tourists. From the captivating beauty of the Flint Hills to the historic sites along the Santa Fe Trail, there are ample opportunities for travelers to experience the state’s natural wonders and unique history.
FAQs
Do all vets take pet insurance in Kansas?
Every veterinary clinic in Kansas accepts pet health insurance. This is because pet owners pay for their pet’s medical expenses upfront and then get reimbursed by the pet insurance company.
Do I legally have to insure my pet in Kansas?
While it’s advisable to have insurance for your pets, there’s no legal obligation to insure your dogs or cats in Kansas.
How much is pet insurance in Kansas?
Similar to many states across the country, cat owners in Kansas enjoy lower insurance costs compared to their canine counterparts. On average, cat insurance in Kansas carries a monthly premium of $28, whereas dog owners usually pay around $50 per month for their pet’s coverage.
