Best Pet Insurance In Kentucky For 2024

Lemonade Pet Insurance stands out as my top recommendation for the best pet insurance company in Kentucky.

min read
Updated: 23 February 2024
Written by
Doug Schaffer
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Our team of pet insurance experts conducted a thorough analysis, gathering quotes from eighteen different pet insurance companies to assess their coverage for various scenarios. After careful consideration, Lemonade Pet Insurance emerged as the top contender among pet insurers operating in Kentucky.

Lemonade received high ratings for its competitively priced premiums and comprehensive coverage options, leading us to conclude that it is the premier pet insurer in Kentucky. However, it’s worth noting that other pet insurance companies also received commendation in their respective categories.

In the following sections, we will provide insights into the top pet insurance providers in Kentucky and explore how various factors can impact insurance premiums.

The Best Pet Insurance In Kentucky 2024

Lemonade
Best Overall Coverage - Lemonade Pet Insurance
Lemonade
Best For Affordable Coverage - Lemonade Pet Insurance
Lemonade
Best For Owners Of Young Pets - Lemonade Pet Insurance
aspca
Best For New Pet Owners - ASPCA Pet Insurance
embraceicon-logo
Best For Cat Owners - Embrace Pet Insurance
Best Pet Insurance, Kentucky, 2024

Compare The Best Pet Insurance In Kentucky

Best For Overall Rating Coverage Waiting Period Average Annual Cost for Cats Average Annual Cost for Dogs Get A Quote
Lemonade

Overall Coverage

4.7

2 Days for Accidents and 14 Days for Illnesses

$18.41

$35.18

Instant Quote
Pets Best

Owners of Multiple Pets

4.5

3 Days for Accidents and 14 Days for Illnesses

$29.54

$41.39

Instant Quote
Lemonade

Owners of Young Pets

4.7

2 Days for Accidents and 14 Days for Illnesses

$18.41

$35.18

Instant Quote
ASPCA

New Pet Owners

4.6

Immediately for Preventive Care and 14 Days for Illnesses and Accidents

$38.67

$83.30

Instant Quote
Embrace

Cat Owners

4.7

48 Hours for Accidents and 14 Days for Illnesses

$20.44

$48.25

Instant Quote
Lemonade

Affordable Coverage

4.7

2 Days for Accidents and 14 Days for Illnesses

$18.41

$35.18

Instant Quote
Scroll to see comparisons

Our Methodology

Our decision about which pet insurance company has the most economical and best coverage in Kentucky took a wide variety of elements into consideration. We did a thorough analysis of data from major pet insurers active in Kentucky. We also put our combined twenty-five years of experience in the pet insurance industry to good use in deciding who was tops overall. Insurance rates can go up or down from one day to the next, so while the rates shown here were accurate at the time they were written, they might be higher or lower now. Premiums can be based on the breed or age of a pet, among other factors.

47

Quotes Analyzed

27

Brands Reviewed

25+

Years Of Industry Experience

28+

Hours Of Research

The Best Pet Insurance Companies In Kentucky


Best Overall Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

When determining the top pet insurance provider, various factors must be considered, including premium costs, customer service quality, and claims processing efficiency. After careful evaluation, Lemonade emerges as the standout choice, offering standard plan rates as low as $10 per month for both cats and dogs.

In addition to its affordable premiums, Lemonade earns praise from pet owners in Kentucky for its exceptional customer service. Reviews highlight the company’s genuine concern for animals, evident in their service and comprehensive insurance plans.

Benefits & Drawbacks

Benefits
  • A percentage of monthly premiums goes toward nonprofits
  • Numerous discounts available
  • 2 day waiting period for accidents
  • Industry leading claims processing department
Drawbacks
  • Some breeds of pet are subject to age restrictions in order to enroll
  • Policies aren’t available in every state
  • Pet owner credit and claim history are factored into insurance rates

Best Affordable Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

For many pet owners, having insurance for their furry companions is a top priority. Pet insurance not only shields owners from significant financial burdens related to medical care but also safeguards the health of their pets.

Unfortunately, financial constraints often force pet owners to make tough decisions about their pets’ health. However, the assumption that pet insurance is costly is debunked by Lemonade Pet Insurance’s rates. In Kentucky, cat owners typically pay around $28 per month, while dog owners pay approximately $48 per month, with potential variations for senior pets.

Lemonade Pet Insurance offers various discounts to help reduce premiums further. For instance, bundling multiple types of coverage with Lemonade can earn you up to a 15% discount. Additionally, Lemonade provides a user-friendly mobile application, enabling convenient management of pet insurance coverage online.

Benefits & Drawbacks

Benefits
  • 2-day accident waiting period
  • Claims processing is faster than other major competitors
  • The company donates a portion of the policyholder’s premium to nonprofits
  • Numerous discounts available
Drawbacks
  • Pet owner credit and claim history are factored into insurance rates
  • Some pet breeds are not covered after a certain age
  • Coverage is limited based on the state you live in

Cheapest Rates for Owners of Multiple Pets

Overall Rating
4.5

Key Statistics

8/10 Affordability
8/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

Owning multiple pets can indeed amplify expenses, encompassing everything from toys to veterinary care. However, there’s a silver lining: many pet insurance companies offer multi-pet discounts, which can slash premiums by up to 15%.

One such provider is Pets Best Pet Insurance, known for extending discounts to customers insuring more than one animal.

In addition to multi-pet discounts, Pets Best Insurance boasts competitive monthly rates. Cat insurance typically averages around $29 per month, while dog insurance hovers around $41 monthly, factoring in variables like breed.

Pets Best goes above and beyond for its policyholders, offering benefits such as a 24/7 veterinarian helpline for emergencies and additional coverage for pets requiring special prosthetic devices or those with disabilities.

Benefits & Drawbacks

Benefits
  • Flexible coverage options for accident and illness policies
  • Vet help is available through the 24/7 veterinarian help line
  • Benefits extend to pets who need wheelchairs or special prosthetic devices
  • Accident coverage comes with a 3-day waiting period
Drawbacks
  • Claims processing tends to be slower than other companies
  • Policy changes are only possible during the time of renewal

Cheapest Rates for Owners of Young Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
9/10 Coverage Level

Why We Like Them

Many individuals opt to adopt young pets to integrate them into their families, often alongside children. However, caring for these youthful companions can present significant challenges. Proper training programs are essential for these young pets, along with the foresight to secure pet insurance coverage early on.

Lemonade Pet Insurance stands out as a provider offering a blend of affordability and user-friendly features. With access to a convenient mobile app and top-notch customer service, policyholders can navigate their coverage with ease. Lemonade’s competitive average monthly premiums, at just $18 for cats and $35 for dogs, make it an attractive choice for any pet owner.

For those with young pets, Lemonade Pet Insurance emerges as a trusted industry leader, offering reliable products and service to ensure the well-being of furry family members.

Benefits & Drawbacks

Benefits
  • Numerous discounts available
  • Fast turnaround times for processing claims
  • Policyholders only have a 2 day waiting period for pet injuries
  • The company donates a portion of the policyholder’s premium to nonprofits
Drawbacks
  • Pet owner credit and claim history are factored into insurance rates
  • Specific pet breeds don’t qualify for coverage after a certain age
  • Coverage doesn’t extend to all 50 states

Cheapest Rates for New Pet Owners

Overall Rating
4.6

Key Statistics

7/10 Affordability
8/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

For new pet owners in Kentucky, securing a policy from a reputable insurer like ASPCA should be a top priority. With a longstanding commitment to premium customer service and a strong advocacy for animal welfare, ASPCA stands out as a trusted choice.

While ASPCA’s rates in Kentucky may be slightly higher than the national average, the benefits of their coverage outweigh the costs. Dog insurance premiums average around $83.00 per month, while cat insurance comes in at approximately $38.00 per month. One standout feature of ASPCA’s policies is the absence of age limits, ensuring that senior pets receive comprehensive coverage regardless of their age.

Additionally, ASPCA offers extended coverage for alternative therapies and behavioral issues, providing valuable support for pets with unique needs. These added benefits make ASPCA an excellent option for pet owners seeking comprehensive and compassionate insurance coverage.

Benefits & Drawbacks

Benefits
  • Cruciate injuries only have a 14 day waiting period
  • Vet clinic visit fees for illnesses and accidents are covered under standard policies
  • 24/7 telehealth vet help line
  • Coverage extends to items like alternative therapies, behavioral issues, and congenital conditions
Drawbacks
  • Unlimited annual coverage is only available through an agent
  • Minimum options for deductibles

Cheapest Rates for Cat Owners

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

Cat owners in Kentucky considering pet insurance should consider Embrace as a top contender. Known for its affordable policies tailored specifically for felines, Embrace offers competitive rates, with the average monthly premium for cat insurance priced at around $20.

In addition to providing cost-effective coverage, Embrace demonstrates a strong commitment to supporting animal welfare initiatives. For every policy sold, Embrace donates $2 to local shelters, animal welfare organizations, and initiatives aimed at providing affordable or free spaying and neutering services, as well as aiding pets displaced by natural disasters.

Furthermore, Embrace Pet Insurance has established partnerships with leading home and auto insurers such as USAA, Allstate, and GEICO, further bolstering its reputation as a reliable and trusted provider in the industry.

Benefits & Drawbacks

Benefits
  • Owners with animals needing orthopedic care can skip a waiting period with a vet exam
  • Most standard policies include coverage for curable pre-existing conditions
  • Cost friendly policy options
Drawbacks
  • Senior pets over the age of 14 only qualify for accident only policies
  • Supplement coverage isn’t a part of standard policies

Average Cost Of Pet Insurance In Kentucky

Average Cost In Kentucky — By Cat Breed

Cat Breed Average Monthly Cost
Domestic Shorthair $16.00
Sphynx $16.00
Siamese $22.00
Maine Coon $26.00

Average Cost In Kentucky — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
Pets Best $39
Lemonade $48
Trusted Pals $51
FIGO $55
ASPCA $57

Average Cost In Kentucky — By Dog Breed

Dog Breed Average Monthly Cost
Affenpinscher $18.00
Labradoodle $37.00
Greyhound $63.00
Newfoundland $85.00

Average Cost In Kentucky — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $29.00
Pets Best $35.00
TrustedPals $36.00
Figo $42.00
ASPCA $53.00

How To Find The Best Pet Insurance Company For You

When purchasing pet insurance, it’s important to approach it with a similar mindset to buying health insurance for yourself. This involves several steps such as obtaining premium quotes, comparing coverage and benefits, understanding deductible amounts, and reading customer reviews. While it’s tempting to focus solely on rates, taking the time to familiarize yourself with pet insurance policies can be beneficial.

Many pet insurers offer policies that cover accidents only, excluding coverage for diseases or health issues. However, there are also options for accident and forgiveness plans, each with their own benefits. For younger pets, which are less likely to develop age-related health problems, an accident-only plan may suffice. However, for older pets at higher risk of illnesses and health conditions, a comprehensive policy that covers both accidents and illnesses may be more suitable.

It’s also crucial to consider the waiting period before insurance coverage begins to apply. Different pet insurers have varying waiting periods for illnesses and accidents, so it’s essential to understand the duration of these waiting periods before making a decision.

Largest Pet Insurance Companies In The United States

Company Name Estimated Market Share Percentage
Pumpkin Pet Insurance .48%
Healthy Paws Pet Insurance .73%
Petsecure 1.3%
MetLife Pet Insurance 1.4%
Hartville Group Inc. 1.4%
Pets Best Insurance 2.4%
Fetch by the Dodo 8%
Embrace 9%
Nationwide 19%
Trupanion 30%

If you’d rather do research about pet insurance online and then purchase the plan of your choice, it’s never been easier to do that. You can go online and do everything you need to do in order to get pet insurance, all without leaving the comfort and privacy of your own home.

Sites like Insuranceopedia deliver all of the information you need, quickly and easily. You can do part of what needs to be done ahead of time, which streamlines the process. When you’re ready to submit an application to a pet insurer, you can do that online, too.

Below are four important steps you’ll want to take during the pet insurance buying process:

  • Step 1: Get all relevant information gathered together before starting your research about pet insurance carriers in Kentucky. This documentation includes the type of pet, (cat or dog etc.) its breed, its age, its medical history, and any documents you may have about the pet’s lineage
  • Step 2: Calculate how much insurance coverage seems best for your pet’s needs, and also calculate how much of a deductible you’re comfortable with
  • Step 3: Compare three rate quotes from your likely choices
  • Step 4: Eliminate two of the three carriers and then submit an application for the remaining company, take out a policy, and contact your vet, bringing him or her up to speed with the news of your pet insurance.

How To Buy Pet Insurance Online In Kentucky

Here are four essential steps to follow during the pet insurance buying process:

Gather all relevant information about your pet before you start researching pet insurance carriers in Kentucky. This includes details such as the type of pet (cat, dog, etc.), its breed, age, medical history, and any documentation related to its lineage.

1

Determine the appropriate level of insurance coverage for your pet’s needs and decide on a deductible amount that you’re comfortable with.

2

Compare quotes from at least three different pet insurance companies to find the best rates and coverage options.

3

Narrow down your choices to the top contender, submit an application, purchase a policy, and inform your veterinarian about your pet’s new insurance coverage. This ensures that your vet is aware of the insurance details for future reference.

4

Things That Have An Impact On The Cost Of A Pet Insurance Policy In Kentucky

Many pet owners assume that pet insurance rates are determined by just one or two factors, but in reality, several key elements influence the cost of pet insurance premiums. Here are some factors that insurers take into account:

Animal Type

The type of pet you have significantly impacts the cost of pet insurance. Generally, dog owners pay 2-3 times more than cat owners for coverage. This is because dogs typically spend more time outdoors, increasing their risk of accidents and illnesses.

Age

Your pet’s age is another important factor affecting insurance rates. While some insurers keep rates consistent regardless of age, others may have age restrictions for coverage. Senior pet owners should seek out insurers that offer coverage for older pets.

Breed

The breed of your pet can also influence insurance premiums. While many dog breeds have similar rates, breeds with a higher risk of medical conditions may have higher premiums. For example, breeds like bulldogs and boxers, known for sinus and skin issues, may face higher insurance costs.

Insurance Type

When purchasing pet insurance, you’ll typically choose between accident-only coverage or accident and sickness coverage. Comprehensive plans covering accidents and sickness will generally have higher premiums than accident-only plans.

Location

While there may not be significant differences in pet insurance rates between cities, certain areas within a state may be considered higher risk due to a higher number of claims. Living in these areas could result in higher insurance premiums.

Before purchasing pet insurance, it’s essential to consider these factors and shop around for the best coverage options for your pet’s needs.

Pet Insurance Discounts In Kentucky

When it comes to pet insurance, location can indeed impact the cost of coverage. However, regardless of where you live, you can still find ways to save money through various discounts offered by pet insurance carriers. Here are some common types of discounts that could help reduce your premiums:

  • Animal care employee discounts
  • Senior discounts
  • Online policy discounts
  • Multi-pet discount
  • Special service animal discounts
  • Employer sponsored discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Wholesale and special interest clubs discounts
  • Employee union discounts

Kentucky Pet Insurance Laws To Know

  • Under Kentucky law, animal cruelty in the first degree, which is a class D felony, occurs when a person causes any four legged animal to fight for profit or pleasure.
  • Anyone may kill or seize a dog which is seen wounding or pursuing any livestock, wounding or killing any type of poultry, or attacking a human being, regardless of whether the dog is wearing the license tag as required by Kentucky law.

FAQs

Do all vets take pet insurance in Kentucky?

Yes, it’s generally true that most veterinary clinics across the country accept pet insurance. The typical process involves the pet owner paying the veterinary bill upfront and then seeking reimbursement from their pet insurance company.

How Much is Pet insurance in Kentucky?

In Kentucky, cat insurance premiums are generally in line with the national average. As is typical across the United States, insuring cats tends to be less expensive than insuring dogs. In Kentucky, the average monthly premium for cat insurance is around $28, while dog insurance typically carries a higher average premium of about $48 per month.

Legally, Am I Required to Insure My Pet in Kentucky?

No, you aren’t required by law to have pet insurance, but it’s a good idea.

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