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Pet insurance covers your four-legged friend’s injuries and illnesses similarly to how health insurance covers your medical costs when you get sick or have an accident. Whether your dog or cat has a broken bone, developed sudden symptoms of illness, or has swallowed something it shouldn’t have, pet health insurance can help cover the vet bills.
We at the Guides Home Team thoroughly researched the best pet insurance providers in the country, comparing their costs, services and customer satisfaction. These are our top provider recommendations for pet parents in Kansas.
Based on our research, here are our top seven picks for pet insurance companies in Kansas:
Spot is a popular choice for pet insurance, offering more customization options than most providers. The company offers accident-only and accident-and-illness plans that cover vet-recommended procedures, treatments, diagnostic testing, medications and emergency care. Spot also offers two preventive care add-ons with different per-treatment limits. These cover routine care such as grooming, annual checkups, dental cleaning, vaccination, bloodwork and other treatment that isn’t medically necessary.
Not only are Spot’s plans customizable, but its monthly premium is also. Spot offers seven annual coverage limits ranging from $2,500 to unlimited. Spot also has a 30-day money-back guarantee, covers prescription diets and has no per-incident caps.
All quotes in this article are for 4-year-old, mixed-breed dogs and cats in Topeka, Kan., using varying deductibles, coverage limits and reimbursement percentages.
To learn more: Spot Pet Insurance review
Get your quote: Visit Spot’s website
Healthy Paws offers pet parents one accident-and-illness plan that covers treatments, procedures, medications and hospital care for issues related to accidents and illnesses. The plan also covers some alternative therapies, such as acupuncture, physical therapy and chiropractic care. Healthy Paws doesn’t offer a preventive care add-on but does provide unlimited coverage with no annual or lifetime caps.
Healthy Paws says it processes most claims within just two business days, which is quick compared to many providers. There is a 15-day waiting period to file a claim for accidents and illnesses. For pets enrolled before the age of 6, there is a 12-month waiting period for claims related to hip dysplasia.
To learn more: Healthy Paws Pet Insurance review
Get your quote: Visit Healthy Paws’ website
Figo pet insurance comes with several perks. First, it offers three levels of accident-and-illness coverage from which to choose. Each level covers common expenses related to accidents and injuries but differs in how much coverage is provided.
Here’s what each level offers:
Figo also offers three preventive care add-ons, which it calls “powerups.” Plans include one for routine wellness exams and vaccines, one for all vet exam fees, and one for fees associated with stolen or lost pets, vacation cancellation, property damage and more.
Figo customers also enjoy quick reimbursement turnarounds (an average of 2.6 days, according to Figo), free 24/7 access to a licensed vet, short waiting periods for injury claims, a 100% reimbursement rate option and coverage for some preexisting conditions if your pet has had no symptoms for 12 months before enrollment.
To learn more: Figo Pet Insurance review
Get your quote: Visit Figo’s website
Embrace offers policyholders multiple discounts. You’ll get a 10% discount for each additional pet policy you purchase, a 5% military discount and a 10% employee discount if your employer offers Embrace. It also decreases your deductible by $50 each year you don’t file a claim. Another way to save is by customizing your deductible, annual limit and reimbursement rate. Embrace lets you choose among five deductibles, five annual limits and three reimbursement rates.
Embrace offers just one accident-and-illness plan that is comprehensive compared to other providers on this list. The standard plan includes coverage for treatments related to accidents and illnesses, as most do, but it also covers vet visit fees, dental accidents and illnesses, and pain management and physical therapy as follow-up care.
Embrace doesn’t include preventive coverage in its standard plan. However, it offers an add-on with your choice of $250, $450 or $650 of coverage annually.
To learn more: Embrace Pet Insurance review
Get your quote: Visit Embrace’s website
Wagmo’s accident-and-illness plan offers the standard coverage you’ll find with most other providers if your pet gets sick or has an accident. Where the provider stands apart is its wellness coverage. Wagmo offers three options for preventive care, as opposed to the one or two you’ll find with most other providers. This wellness coverage can be used to get reimbursed for routine care costs such as annual checkups, vaccinations, flea, tick and heartworm medications, grooming, dental care and more.
Here are the coverage details for each wellness plan:
Wagmo covers up to $100,000 in claims over a pet’s lifetime and up to $10,000 per incident.
Get your quote: Visit Wagmo’s website
Fetch’s accident-and-illness plan provides the standard coverage you’d expect, plus dental care, exam fees, breed-specific conditions, boarding fees should you require hospitalization, lost-pet costs and behavioral therapy. Fetch’s behavioral therapy coverage reimburses you for the treatment of a pet’s aggression or anxiety.
The provider also helps you cover vacation cancellation fees if you have to skip a trip due to your pet getting sick or injured. Fetch doesn’t, however, offer preventive care coverage, so you’re responsible for all routine care costs.
To learn more: Fetch Pet Insurance review
Get your quote: Visit Fetch’s website
Trupanion has one standard accident-and-illness plan with no option of adding preventive care coverage. However, the standard plan covers hereditary conditions, congenital conditions and even conditions that don’t yet have an official diagnosis but of which your pet is showing symptoms.
Trupanion does offer two riders (policy amendments) for an additional cost. One is its Recovery and Complementary Care rider that can be used for non-clinical procedures, such as acupuncture, behavior modification, chiropractic adjustments, homeopathy, hydrotherapy, naturopathy, physical therapy and rehabilitative therapy.
There’s also the Pet Owner Assistance Package to help cover fees related to advertising and reward money if your pet goes missing, boarding in the event you’re hospitalized, third-party property damage, cremation or burial if death is due to an accident, and vacation cancellation if you have to cancel a trip because of your pet’s illness or accident.
To learn more: Trupanion Pet Insurance review
Get your quote: Visit Trupanion’s website
Generally, pet insurance providers offer at least one of the following plan types:
When picking your plan, understand the levers that impact your monthly premium. The deductible, annual limit and reimbursement rate you select will influence how much you pay. Your annual limit is the maximum amount a provider will pay toward your vet claims per year. The deductible is the maximum amount you’ll pay out of pocket per year or per condition, and the reimbursement rate is the percentage of each claim the provider will pay.
A low reimbursement rate and high deductible will decrease your monthly premium, but you’ll pay more out of pocket when you file a claim. A high reimbursement rate and low deductible will decrease your out-of-pocket costs but increase your monthly rate.
Determining which pet insurance company is right for you depends on a few factors, including the following:
The best pet insurance in Kansas is the one that meets your pet’s needs at a price you’re comfortable with paying. Figo has multiple plan selections, and Fetch offers behavioral therapy coverage. Embrace’s discounts can save you money, but Spot has no upper age limit.
To figure out which provider is best for you, take a close look at each one’s sample policy, which can typically be found on their websites. Understand the coverage details, exclusions and requirements of each plan, plus your options for saving money through discounts, bundling and coverage adjustments.
Also, understand each company’s reputation by reading customer reviews online and checking Better Business Bureau ratings. Once you’ve narrowed down your choices, get pet insurance quotes through providers’ sites to compare pricing. Lastly, you can call the provider’s customer service number and talk to a representative if you have any remaining questions.
Pet insurance cost varies based on your location and your pet’s breed, age, size and chronic conditions. In Kansas, the average monthly premium for base plans across the providers on this list is $50 for dogs and less than that for cats. Check out our guide to the cheapest pet insurance companies to find affordable plans.
Most pet insurance providers’ accident-and-illness plans don’t cover preventive veterinary care, such as annual checkups, vaccinations, routine bloodwork, grooming, dental care, and more. No provider covers preexisting conditions, though a few state they will consider coverage for preexisting conditions if no signs or symptoms were present within a certain time frame before enrollment.
Yes, you can use your pet insurance at any licensed veterinarian. The majority of providers do not require prior vet approval.
Pet owners with pet insurance policies would likely say that pet insurance is worth it, given that one broken bone or diagnosis can mean urgently needing to come up with thousands of dollars to get the proper care for your pet. With pet insurance, you can be reimbursed anywhere from 70% to 100% of your vet bill, depending on the reimbursement rate you choose. Having a pet insurance policy can give you peace of mind when hefty, unexpected vet costs pop up.
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage.
We have scored each provider on a 100-point scale based on those elements. We then divided the points earned for each provider’s final score on a 5-point scale.
Here are more details about each factor and how they’re weighted:
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
Jessica Wimmer is a veteran writer and content producer with experience in the home, pet insurance and tech industries. She’s a Pushcart Prize nominee and Write Well Award winner who has been published in Deep South magazine, The Dead Mule Journal of Southern Literature and the Deep Water Literary Journal. She holds a bachelor’s and master’s degree in English and had a previous life as an English teacher.
Rebekah Young is an editor with a decade of experience in educational content and editing. Before joining the Guides Home Team to focus on home services content, she guided content strategy and edited in the insurance, venture capital, financial and health care fields. Rebekah has a bachelor’s degree in communication and English.
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