Pet Insurance in Kansas: Compare the Best Pet Insurance Companies and Most Affordable Quotes

COMPANY HIGHLIGHTS

Pets Best is MoneyGeek’s top pick for the best overall pet insurance company in Kansas, with affordable premiums and customizable plans. The average cost of a policy from Pets Best is $25.55 per month.

Pets Best has a choice of two annual coverage limit options: $5,000 and unlimited. The deductibles range from $50 to $1000, and reimbursement levels are between 70% and 90%. Depending on your budget, you can choose a high deductible to lower your monthly premiums or a lower deductible, but you’ll pay more each month.

The pet insurance plans from Pets Best cover accidents, illnesses, surgeries, cancers and more. They also offer wellness coverage for routine care in addition to specialized coverage plans.

That limited choice of annual coverage limit can be a drawback, however. The lower coverage may not provide you with enough financial protection in the event of an emergency, but you may not want to pay for unlimited coverage. Most other pet insurance companies in Kansas provide lower and mid-range coverage options.

COMPANY HIGHLIGHTS

The best pet insurance company in Kansas for unlimited coverage is Pets Best. The insurer offers a policy with unlimited coverage at $32.33 per month on average.

Pets Best insurance pays for medical costs related to accidents and illnesses, including lab tests, MRIs, and other diagnostic procedures. Most plans cover the exam fees when your pet is seen for covered accidents and illnesses. Similarly, most plans include coverage for acupuncture and chiropractic treatments.

However, if you want to have some preventive or routine care for your pet covered, you need to add an optional wellness plan at an additional cost.

Although Pets Best has no upper age limit, it’s always recommended to get pet insurance as early as possible since premiums increase over time as the pet ages. Insurance for younger pets is significantly lower than coverage for older pets, and Pets Best does not reduce or cancel coverage based on your pet’s age.

COMPANY HIGHLIGHTS

It can be challenging to find comprehensive coverage for your pet at an affordable monthly premium. Pets Best offers a plan with $5,000 annual maximum coverage that costs $18.77 per month on average. This is the most affordable pet insurance in Kansas.

A policy from Pets Best covers your pet for any accidents and illnesses, including hereditary and congenital conditions. There are no network limitations, which means you can visit any licensed veterinarian, specialist or emergency clinic. However, routine care coverage is not included in any of the insurer’s regular plans, so you must add one of their wellness plans to help pay for spays, neuter, blood work, vaccinations and more.

To lower your out-of-pocket costs, you can pay your premiums annually. By doing so, you will not be charged Pets Best $2 processing fee each time you make a monthly premium payment. You can avoid paying the vet directly when you opt for Vet Direct Pay. The veterinarian is paid directly by Pets Best, and you don’t have to submit claims for reimbursement.

COMPANY HIGHLIGHTS

The best pet insurance company in Kansas for pet owners with more than one pet is Pets Best. You can get a policy with a multi-pet discount from Pets Best at an average of $23.00 per month.

Pets Best offers a 5% multi-pet discount for every pet you insure. Because each pet has unique needs, Pets Best doesn’t require having the same plans for each of your pets. Having a customer portal online makes it easy to track all of your pets deductibles and benefit information.

Their pet helpline is also a convenient way to contact specialists in case of pet-related emergencies, such as accidentally swallowing a foreign object. If you plan to insure an older pet, note that Pets Best does not provide end-of-life coverage, although it does cover prosthetic devices and wheelchairs to treat a covered illness and euthanasia.

As you will be paying higher premiums for multiple pets, you might want to consider paying them annually to reduce your total costs. That way, you’ll avoid Pets Best’s transaction fees.

COMPANY HIGHLIGHTS

The best pet insurance company in Kansas for felines is Embrace. An average policy for cats from Embrace costs $15.66 per month.

Embrace’s policies cover exam fees for accidents and illnesses. While they don’t cover pre-existing conditions, the insurer distinguishes between curable and incurable conditions. If your pet is symptom-free for 12 months, Embrace will cover curable pre-existing conditions.

The company also covers behavioral therapy and training, breed-specific, genetic, and congenital conditions (including cancer treatment), in addition to complementary therapies such as chiropractic care, acupuncture and physiotherapy.

If your cat is 15 years old or older, you can not purchase full accident and illness coverage. Older pets are eligible for accident-only insurance. However, if you sign your pet up with full coverage before the age of 15, coverage is locked in for life. That full coverage will continue as long as your pet remains insured with Embrace.