Lemonade is the best pet insurance company in Kansas, ranking highest for dogs and tying for the top spot for cats. Spot matches Lemonade's excellence in cat coverage, while Rainwalk, AKC and Pumpkin are strong alternatives in the state.
Best Pet Insurance in Kansas
Updated: September 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Kansas, with monthly rates starting at $8. It combines competitive pricing with excellent customer service.
In Kansas, Lemonade provides the cheapest pet insurance for dogs at $47 per month, while Pumpkin has the lowest premiums for cats at $20.
Compare multiple policies and prices to find coverage that matches both your pet's health needs and your budget.
Best Pet Insurance Companies in Kansas
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | 4.50 | $47 |
| Rainwalk | 4.35 | $56 |
| AKC | 4.30 | $61 |
| Pets Best | 4.10 | $57 |
| Spot | 3.85 | $62 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$47Average Monthly Rate for Cats
$22Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Kansas, while Rainwalk and Lemonade are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| Rainwalk | 4.35 | $40 |
| Pets Best | 4.35 | $25 |
| AKC | 4.3 | $52 |
| Lemonade | 4.25 | $29 |
| Spot | 4 | $44 |
Best Pet Insurance by Cat Breed
Rainwalk dominates the best pet insurance rankings for most cat breeds in Kansas, while AKC stands out as another excellent choice for comprehensive coverage. Below, you can review which companies are best for your cat in the state.
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Breed:Abyssinian
| Rainwalk | 4.5 | $30 |
| AKC | 4.45 | $39 |
| Lemonade | 4.35 | $23 |
| Pets Best | 4.3 | $30 |
| Spot | 4.2 | $28 |
Cheapest Pet Insurance in Kansas
In Kansas, Lemonade offers the cheapest pet insurance for dogs at $47 per month or $562 per year. For cats, Pumpkin provides the most affordable coverage at $20 monthly or $235 annually.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $47 | $562 | -28% |
| ASPCA | $54 | $649 | -17% |
| Rainwalk | $56 | $678 | -14% |
| Pets Best | $57 | $683 | -13% |
| Pumpkin | $57 | $684 | -13% |
| Figo | $59 | $707 | -10% |
| AKC | $61 | $726 | -8% |
| Spot | $62 | $738 | -6% |
| Hartville | $63 | $753 | -4% |
| Met Life | $65 | $774 | -1% |
| Liberty Mutual | $71 | $850 | 8% |
| Embrace | $77 | $928 | 18% |
| Fetch | $95 | $1,144 | 46% |
| Nationwide | $100 | $1,205 | 53% |
Cheapest Kansas Pet Insurance by Dog Breed
In Kansas, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs across multiple breeds, with plans starting at $15 monthly.
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Breed:Affenpinscher
| Pets Best | $25 | $305 | -49% |
| Lemonade | $29 | $344 | -43% |
| Pumpkin | $34 | $406 | -32% |
| ASPCA | $38 | $458 | -24% |
| Rainwalk | $40 | $473 | -21% |
Cheapest Kansas Pet Insurance by Cat Breed
For cat owners in Kansas, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable coverage across breeds. Monthly premiums start at $14 for standard plans.
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Breed:Abyssinian
| Lemonade | $23 | $274 | -54% |
| Figo | $25 | $302 | -50% |
| Spot | $28 | $330 | -45% |
| Hartville | $28 | $333 | -45% |
| Pets Best | $30 | $354 | -41% |
How Much Is Pet Insurance in Kansas?
Kansas pet insurance costs around $82 monthly for dogs and $42 for cats. These rates run 9% below the national average for both types of pets, making coverage in Kansas more affordable than in many other regions.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $42 | $497 | -9% |
| Dog | $82 | $981 | -9% |
How to Get the Best Cheap Pet Insurance in Kansas
Finding the best cheap provider and coverage plan in Kansas can be difficult. Here's how to find the best pet insurance for your needs:
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Evaluate Your Pet's Coverage Needs First
Start by listing your pet's health risks and future medical needs. Consider factors like breed-specific conditions and your pet's age to determine the right coverage level.
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Look for Available Insurance Discounts
Research special offers like a multi-pet plan or annual payment discounts. Many insurers offer reduced rates for spayed or neutered pets and military members.
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Check Insurance Company Ratings
Review customer feedback and financial strength ratings for pet insurance providers. Focus on providers with strong track records of paying claims promptly and providing good customer service.
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Get Multiple Insurance Quotes
Get quotes from at least three pet insurance providers. For an accurate comparison, make sure each quote includes similar coverage levels and deductibles.
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Review Your Policy Annually
Set a yearly reminder to check for better rates and coverage options. Pet insurance costs often increase as pets age, so comparing providers annually helps maintain affordable coverage.
Best Pet Insurance in Kansas: Bottom Line
Lemonade is our top pick for pet insurance in Kansas, while Pumpkin offers the most affordable coverage for cat owners. Our analysis shows Lemonade delivers strong coverage for dogs and cats, with Spot matching its quality for cat coverage. Compare providers to find the right fit for your pet's needs and your budget.
Pet Insurance in Kansas: FAQ
Here are answers to frequently asked questions about Kansas pet insurance:
What are the best pet insurance companies in Kansas?
Leading pet insurance providers in Kansas include Lemonade, Spot, Pumpkin, Rainwalk and AKC. These companies offer comprehensive coverage options for your pets.
Which company has the cheapest pet insurance in Kansas?
Lemonade, ASPCA, Pumpkin and Spot offer the most affordable pet insurance rates in Kansas. Monthly premiums start at $47 for dogs and $20 for cats.
How much is pet insurance in Kansas?
In Kansas, pet insurance costs around $497 annually for cats and $981 for dogs. Annual premiums across all pet types can range from $62 to $12,109, depending on coverage and your pet's characteristics.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Kansas
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Kansas residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed July 30, 2025.