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

Are you looking for pet insurance in Kentucky? MoneyGeek analyzed policy details, coverage options and thousands of quotes to help you find the best Kentucky pet insurance company with affordable rates.

By Mark Fitzpatrick

Updated: September 26, 2024

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Choosing the ideal insurance policy can cover all of your pet's medical expenses and other costs that could lead to significant expenses. Determining the best pet insurance plan for your needs can be stressful, but this guide can help you find your ideal provider.

MoneyGeek evaluated the best insurers by collecting quotes from various providers in Bowling Green, Lexington and Louisville to help you find the most affordable insurance.

We also broke down the best insurance options depending on your requirements, coverage features and the type of pet.

TABLE OF CONTENTS

Best Pet Insurance Companies
The Average Cost of Pet Insurance
The Cheapest Pet Insurance Quotes
What Impacts Pet Insurance Cost?
FAQ’s About Pet Insurance

The Best Pet Insurance Companies in Kentucky

MoneyGeek carried out an exhaustive analysis reviewing quotes from thousands of insurers in Kentucky and researching each type of coverage to identify the best pet provider in the state. Our analysis ranked insurers that offered a strong mix of coverage options and affordability.

Pet insurance rates typically depend on multiple factors, such as the type and the breed of your pet, along with its age and medical history. Compare quotes from several insurers before deciding on the best option for the clearest sense of available prices and plans.

Best Overall Pet Insurance for Your Pet

pros

Flexible policy options

Covers hereditary conditions and emergency care

Offers a multi-pet discount

cons

High minimum deductible limit

COMPANY HIGHLIGHTS

Pets Best took first place MoneyGeek’s analysis for the best pet insurance company in Kentucky overall. It offers a good mix of reasonable rates and flexible options that help you customize an insurance plan to meet your pet’s needs. The average cost of these Pets Best policies is $22.14 per month.

The insurer offers coverages for illness, accidents and wellness procedures. Illness coverage includes certain chronic and hereditary conditions, congenital cases, emergency care and cancers.

Unlike many other insurers, Pets Best offers unlimited coverage limits. However, you will typically have to pay more for this coverage. This insurance also pays for periodic consultations with a qualified vet, vaccinations, dental cleanings and other medical procedures, including spaying and neutering.

In Kentucky, you can choose your annual deductible from anywhere between $100 to $1,000. If you have more than one pet in your household, you can insure them in the same plan and qualify for the insurer’s multi-pet discount.

Best Pet Insurance Company: Unlimited Coverage

pros

Offers unlimited coverage with their policies

Provides multi-pet discounts

Reasonably low monthly premium

cons

Does not cover pre-existing ailments

COMPANY HIGHLIGHTS

Pets Best is MoneyGeek’s top choice for unlimited coverage. Keep in mind that unlimited coverage costs slightly more than the normal pet insurance policies — the average cost of Pets Best unlimited coverage is $28.01 per month.

Unlimited coverage is an ideal plan for many pet owners, as they will never max out their coverage limit if a pet ever requires extensive treatments.

Pets Best offers many types of coverage, including rehabilitative treatments, acupuncture and chiropractic care. However, Pets Best does not pay for treatments for pre-existing ailments.

However, you may choose to include specific coverage in your policy to pay for expenses resulting from accidents, illnesses, emergency care, and any hereditary conditions, along with prescriptions.

Best Pet Insurance Company: Affordable Coverage

pros

Low monthly insurance costs

Includes coverage for hereditary conditions

Offers discounts for insuring more than one pet

cons

Has a waiting period for accident and illness coverage

Does not cover preventative care

COMPANY HIGHLIGHTS

When it comes to affordable insurance for your canines and cats in Kentucky, Pets Best is MoneyGeek’s top choice. The insurer’s cheapest pet insurance policy costs $16.26 per month on average.

Pets Best offers coverage for emergency care, hospitalization, surgeries, prescription medications, MRIs, CAT scans and X-ray specialist care. You can choose to add coverage to a basic policy that pays for accident and illness exam fees.

You may also use the insurance to pay for outpatient care, lab tests and treatment for hereditary and congenital conditions. Pets Best offers several affordable coverage options that many other insurers do not usually include.

Policyholders should keep in mind that the insurer does not cover any pre-existing conditions that your pet may have. It considers preventative care items such as vaccinations or deworming as conventional care and does not include them in these policies, as well.

Best Pet Insurance with Multiple Pets

pros

Provides multi-pet discounts

Offers additional coverages for routine care

Offers multiple reimbursement rate options

cons

Holistic and experimental care is not covered

COMPANY HIGHLIGHTS

Individuals with multiple pets can use our research to purchase affordable insurance. MoneyGeek ranked the best insurers that provide sufficient coverage for more than one pet. Pets Best came in first in our analysis. The insurer offers cost-effective plans at $19.92 per month, on average.

Pet insurers in Kentucky typically only offer reimbursements, but Pets Best also offers multi-pet discounts. With Pets Best, you can also get reimbursed for up to 90% of the expenses that you incur. Note that the higher the reimbursement percentage, the more you will have to pay in monthly premiums.

Pets Best offers a host of routine care coverages that you can get at an additional cost, such as heartworm prevention, urinalysis and flea and tick prevention.

Best Pet Insurance Company: Cats

pros

Wide coverage options

Insurance policies are valid worldwide

Offers policies with unlimited coverage

cons

No coverage for routine wellness or preventative care

COMPANY HIGHLIGHTS

MoneyGeek reviewed the best insurers for cat owners in Kentucky. Our top choice for pet insurance policies for cats is Figo. Insurance for cats is typically less expensive than dogs — this insurer offers the cheapest cat insurance policy at an average of $15.08 per month.

Figo’s policies cover unexpected illnesses and accidents. Pet owners can visit any licensed vet, emergency hospital or specialist, worldwide and not just those listed on their network.

The company offers flexible, customizable plans for your budget and coverage requirements to ensure protection for your pet under all circumstances.

You may also choose from a host of coverage options, including emergencies and hospitalization, surgeries, diagnostic testing and knee conditions. Policyholders can also opt for coverage for prosthetics and orthopedics, hereditary and congenital conditions, prescription medications, hip dysplasia, chronic conditions and non-routine dental care.

However, Figo does not cover medical care due to infections from most parasites and any cosmetic surgery. This provider also does not pay for any pre-existing conditions. The insurer also covers holistic and alternative treatments such as chiropractic care and acupuncture, as long as they are performed by licensed vets.

Ranking	Winner	Avg. Monthly Cost
Overall	Pets Best	$22
Unlimited Coverage	Pets Best	$28
Affordable Coverage	Pets Best	$16
Multiple Pets	Pets Best	$20
Cats	Figo	$15

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Kentucky?

In Kentucky, the cost of pet insurance depends on several factors, such as the type and breed of your pet, its age, your location and the coverage you choose.

The average cost to insure your dog in Kentucky is $26.03 per month for a $5,000 coverage limit, $47.62 per month for a $10,000 coverage limit and $46.24 per month for unlimited coverage. Insurance for cats typically costs less than for dogs.

In Kentucky, the average insurance cost for a cat is $14.00 per month for a $5,000 coverage limit, $23.94 per month for a $10,000 coverage limit and $32.26 per month for unlimited coverage. These costs apply to policies with a $250 deductible.

Insurers also take into account the deductible in your policy and the percentage of reimbursement. Alway shop around for quotes from multiple providers to get the best insurance rates.

Pet Insurance Policy	$5k Coverage	$10k Coverage	Unlimited
Average Cost for a Dog	$26	$48	$46
Average Cost for a Cat	$14	$24	$32

HOW MUCH PET INSURANCE DO YOU NEED?

If you live in Kentucky and are looking for pet insurance, we recommend a policy that has anywhere between $5,000 to $10,000 of coverage with an 80% reimbursement rate. You can choose a higher reimbursement limit as well, but keep in mind that this may increase your premium.

Compare the Cheapest Pet Insurance Quotes in Kentucky

MoneyGeek’s analysis involved hours of research to rank insurance providers and help you find the cheapest pet insurance in Kentucky. Most insurers in Kentucky offer:

Annual Reimbursement Limits: Ranges from $3,000 to unlimited
Deductible: Typically $250 to $500, but some companies have higher or lower options
Bill Reimbursement Percentage: 70% to 90%

Some pet owners may not wish to spend more on pet insurance to help reduce monthly expenses, while others seek maximum coverage to cover all expenses. Note that you may have to pay more for additional or unlimited coverage options.

You can read the below table to know more about MoneyGeeks’ recommendations for the average coverage policy to choose for your pet.

Maximum Policy Coverage	Winner: Cheapest Policy	Avg Cost
$5,000	Pet Plan	$16
$10,000	Figo	$29
Unlimited	Pets Best	$28

If you’re looking for affordable pet insurance in Kentucky, consider customizing your plan to include low coverage, low reimbursement limits and a high deductible. To give you an idea, we have compared multiple insurance policies in Kentucky that come with a $5,000 coverage limit, 80% reimbursement rate and a $500 annual deductible.

Pet Insurance Company	Low Coverage Monthly Cost
Pets Best	$16
Figo	$19
GEICO	$26
Embrace	$26
ASPCA	$27
Spot	$27
Hartville	$27
24 Pet Watch	$41
Pet Plan	$0

Pet Insurance Company	Average Coverage Monthly Cost
Figo	$29
GEICO	$36
Embrace	$36
ASPCA	$50
Hartville	$50
Spot	$50
24 Pet Watch	$55
Pumpkin	$59
Nationwide	$62

Pet Insurance Company	Unlimited Coverage Monthly Cost
Pets Best	$28
Healthy Paws	$38
Trupanion	$42
Figo	$42
Spot	$81

The Best Cheap Pet Insurance by City in Kentucky

Several factors can affect the cost of insurance in Kentucky. Insurance prices vary among states and cities. Coverage level also impacts insurance costs.

Larger cities in Kentucky rank higher in the cost-of-living index and may subsequently have higher insurance costs. Other factors, such as high traffic or extreme weather, can also lead to higher premiums.

City	Coverage Level and Average Monthly Rate
Bowling Green	$5k: Pets Best, $16 Unlimited: Pets Best, $28 $10k: Figo, $29
Lexington	$5k: Pets Best, $16 Unlimited: Pets Best, $28 $10k: Figo, $29
Louisville	$5k: Pets Best, $16 Unlimited: Pets Best, $28 $10k: Figo, $29

What Factors Impact Pet Insurance Cost in Kentucky?

Keep in mind that insurance rates in Kentucky depend on several aspects. MoneyGeek broke down the most important aspects that you must consider before choosing an insurer for your pet.

Annual reimbursement limit

Reimbursement limits in your policy specify how much your insurer will pay you in a year for medical expenses your pet has incurred. In Kentucky, you can choose from multiple coverage limits, while some insurers offer unlimited coverage, as well.

Deductible

The deductible in your policy indicates how much you have to pay each year before your insurance company starts covering your medical expenses. Policyholders typically have to pay between $250 to $500 per year before insurance companies start reimbursements. Choosing a higher deductible results in lower monthly premiums.

Bill reimbursement percentage

This percentage refers to the amount of a total bill that policyholders receive from pet insurance companies as a reimbursement. For example, if you have a policy with an 80% reimbursement rate and have paid $500 in medical bills after reaching your annual deductible, your insurer will reimburse $400.

Breed

Insurance rates in Kentucky depend on whether you have a cat or dog, along with the breed of your pet. Usually, insurance for cats is cheaper.

Animal age

Although certain insurance companies ask for the age of your pet before offering quotes, many insurers offer the same price regardless of the age of your pet.

Location

Your location has a significant impact on your insurance costs. Residents of cities that have a higher cost of living and witness heavy traffic will have to pay more for insurance. Extreme weather may also affect the health of your pet and lead to higher insurance costs.

Multi-pet discount

Households with more than one pet can benefit from insurers that offer multi-pet discounts.

FAQ’s About Pet Insurance in Kentucky

Is pet insurance in Kentucky worth it?

Although over 64% of households in Kentucky are home to pets, only a very small percentage have insured them. MoneyGeek considers insurance as a very important aspect to keep your pet's medical expenses low while providing them with sufficient care.

To give you an idea, if your pet is uninsured, chemotherapy treatments for a dog could cost around $4,000 and mending a broken bone may cost around $2,371 without insurance.

Insuring your pet is a simple way to meet unplanned medical expenses and provide care for your pet.

Which company has the cheapest pet insurance in Kentucky?

MoneyGeek’s top pick for the cheapest pet insurance in Kentucky is Pets Best. The insurer offers policies that cost $16.26 per month, on average. You must keep in mind that the cheapest policies for you will vary depending on your location and requirements.

What is the cost of pet insurance in Kentucky?

The average monthly cost of a pet insurance policy in Kentucky with a $10,000 coverage limit is $47.62 for a dog and $23.94 for a cat. Insurance rates may differ significantly depending on your specific needs and may cost anywhere from $9 to $97 or more per month.

What are the best pet insurance companies in Kentucky?

Although there are several pet insurance companies in Kentucky, MoneyGeek’s analysis found that Pets Best and Figo are the best options.

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure that you find the most affordable policy to meet your pet’s needs.

To determine the best pet insurance companies in Kentucky, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Kentucky and our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Kentucky for four pet types with the following coverage levels:

Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement

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About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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sources

Care Credit. "Average Costs: Veterinary Care." Accessed September 26, 2024.