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: November 6, 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:
Dog
Middle Aged
$5,000
80%
$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 Points
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
AKC leads our rankings for most dog breeds in Kansas. Rainwalk and Lemonade work best for select breeds. Check which company fits your dog below.
Data filtered by:
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 offers the best pet insurance for most cat breeds in Kansas. AKC is another solid choice if you want broader coverage. This table shows which companies work best for your cat’s breed.
Data filtered by:
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.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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.
Data filtered by:
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.
Data filtered by:
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.
Data filtered by:
$5,000
$500
80%
| Cat | $42 | $497 | -9% |
| Dog | $82 | $981 | -9% |
How to Get the Best Cheap Pet Insurance in Kansas
Finding affordable pet insurance in Kansas takes a bit of research, but these steps can make it easier to choose the right plan for your pet:
- 1Evaluate Your Pet's Coverage Needs First
Think about your pet’s health risks and possible future medical needs. Age and breed both affect what kind of coverage makes the most sense.
- 2Look for Available Insurance Discounts
See if you qualify for discounts like multi-pet or annual payment savings. Some companies also lower rates for spayed or neutered pets and military members.
- 3Check Insurance Company Ratings
Read customer reviews and look at each insurer’s financial strength. Choose providers known for fast claims processing and reliable customer service.
- 4Get Multiple Insurance Quotes
Request quotes from at least three insurers. To get a fair comparison, make sure each quote includes the same coverage limits, deductibles and reimbursement rates.
- 5Review Your Policy Annually
Take time once a year to see if you can get better rates or coverage. Since premiums often rise as pets get older, comparing plans regularly helps you keep costs manageable.
Best Pet Insurance in Kansas: Bottom Line
Lemonade is the best overall option for pet insurance in Kansas. It offers strong coverage for both dogs and cats at competitive prices. Pumpkin is a great pick for cat owners looking for lower rates, while Spot also provides solid coverage. Compare a few providers to see which plan fits your pet and your budget best.
Pet Insurance in Kansas: FAQ
Got questions about protecting your furry friend in Kansas? We’ve rounded up some helpful answers below.
What are the best pet insurance companies in Kansas?
Lemonade, Spot, Pumpkin, Rainwalk and AKC lead the list of top pet insurance providers in Kansas. These companies offer flexible plans and reliable coverage to help protect 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed July 30, 2025.