10 Best Pet Insurance Providers in Kansas – 2024 Reviews

Insurance shopping is a challenging task. There are dozens of companies to choose from, all promising the same thing, although each one may approach things a bit differently. Finding an insurance company that suits your needs takes days, sometimes weeks, to dig through all the jargon.

Lucky for you, it only takes a few minutes to scroll through our list of 10 pet insurance companies that are great for Kansas dwellers.

If you live in the state of Kansas and need pet insurance, keep scrolling. We’re getting into the nitty-gritty of pet insurance specifically for your state. Let’s get started!

A Quick Look at Our Winners in 2024

The 10 Best Pet Insurance Providers in Kansas

1. Pets Best –  Best Overall

Pets Best is our favorite pet insurance option in Kansas. They offer comprehensive coverage with affordable rates that can cater to your budget. If you don’t want comprehensive coverage, Pets Best offers an accident-only option as well.
Pet owners have several deductible options to choose from, including a 90% reimbursement option. But what we love the most about Pets Best is their affordable unlimited annual coverage.

Pets Best is also a great option for senior dogs and purebreds. Upper age limits are non-existent, plus they offer end-of-life coverage for when that time approaches. The company will even cover behavioral costs and breed-specific conditions in their essential coverage.

Sometimes comprehensive coverage becomes expensive if you’re not careful, but Pets Best balances their prices with great discounts. If you have multiple pets, are in the military, or have a policy through Progressive insurance, you can potentially save a few more dollars off your premium.

Unfortunately, their claims processing time takes longer than most pet insurance companies. But overall, the customer service is great.

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2. Figo – Best Value

Figo insurance is very similar to Pets Best, but we have found their premiums to be slightly cheaper, so Figo is our best value option. They offer wonderfully customizable premiums compared to other pet insurance companies. You can even select a 100% reimbursement option.

Like Pets Best, Figo covers end-of-life services and behavioral costs with no upper age limits, so they’re a great choice if you have a senior dog.

In addition, Figo may cover pre-existing curable conditions if the pet hasn’t shown symptoms in the last 12 months. That’s a big deal, especially if you have a purebred that can face hereditary and congenital conditions later in life.

With Figo’s customizable policies, you want to be careful not to go overboard with riders. Otherwise, you risk getting the lowest prices. Keep this in mind, and we have no doubt Figo can be helpful for your pet and wallet.

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3. ASPCA

ASPCA is number three on our list. We like ASPCA for a few reasons. For starters, they have decent behavioral, holistic, and dental coverage all in their essential premium. They also have a poison control hotline, which comes in handy with curious pets.

Know that the ASPCA does not offer unlimited annual coverage. They also do not have as many perks as other pet insurance companies. However, they offer several annual coverage options and have a decent accident-only plan.

Unfortunately, ASPCA has long claims processing. You’ll have to wait about 30 days to receive reimbursement. They also don’t cover tooth decay, which can be a bummer with senior dogs. But if you’re willing to wait and take good care of your dog’s teeth, ASPCA can be a great option.

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4. Trupanion

Trupanion doesn’t offer as many perks as other pet insurance companies, so their monthly premiums are higher than most. However, they make up for it with excellent comprehensive coverage.

Trupanion covers everything your pet needs for accidents and illness, including herbal therapies and great dental coverage. The best part is they offer unlimited annual limits with a 90% reimbursement every time. Plus, you can even select a $0 deductible option.

Unfortunately, Trupanion does not offer a wellness rider, and they have an upper age limit of 14 years old. But you should be able to avoid high charges if you enroll your pet early.

Ultimately, Trupanion is a great option for purebreds. They don’t skimp on the coverage for breed-specific conditions.

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5. Hartville

Number five on our list is Hartville. Hartville is similar to ASPCA, with a few differences. They cover all the basics of pet insurance and offer decent behavioral and dental coverage. They also have an unlimited annual coverage option and an accident-only plan.

What separates Hartville from ASPCA is its price. Hartville is a bit more expensive than ASPCA, but they include exam fees in their comprehensive coverage and only have a 14-day waiting period for orthopedic coverage.

If you’re unsure if Hartville is a better option, snag a quote for your location. You might find that Hartville is better.

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6. Healthy Paws

Healthy Paws provides standard accident and illness coverage with the added bonus of alternative therapy. Plus, they have excellent claims processing times.

Healthy Paws uses smart-phone based claims submissions, meaning you don’t have to deal with pesky claims forms. Claims only take two days to process after submission.

You won’t find customizable plans with this company, and they don’t offer a wellness rider. We also find their premiums expensive if you have multiple pets. But no matter what, you get unlimited annual coverage.

The biggest downside to Healthy Paws is their coverage of breed-specific conditions. Healthy Paws isn’t bad, but you must wait a year before orthopedic coverage kicks in. They also have limited dental coverage, so this may not be a good option for dogs prone to these issues.

But if you’re looking for an insurance company with stellar claims processing, you should check at Healthy Paws.

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7. Fetch

Fetch offers one fully-customizable plan covering accidents and illnesses. You also get coverage for behavior, physical therapy, and exam fees.

A bonus with Fetch is they will cover boarding and lost pet fees should you be hospitalized or your pet escapes. Hopefully, you won’t have to use this perk, but it’s nice to know it’s covered!

Unfortunately, fetch has annual coverage limits and doesn’t offer a wellness rider. We also find their dental coverage limited, so this wouldn’t be a good option for dogs prone to dental problems.

However, Fetch is still better if you pay for a wellness plan at your local vet office. You get better coverage for less than what you pay for a wellness plan.

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8. MetLife

 

Number eight on our list is MetLife. Metlife offers three customizable plans that provide basic accident and illness coverage, including a wellness coverage rider. They’ll even cover exam fees and offer a 100% reimbursement option.

Unfortunately, MetLife has annual limits and no accident-only plan. Their premiums can also be expensive, especially if you select 100% reimbursement. However, they have fast waiting periods and claims processing times.

But what stands out the most about MetLife is its great orthopedic coverage. MetLife has excellent coverage for knee and spine injuries, which is a great option for pets prone to orthopedic issues. MetLife has a 6-month waiting period for orthopedic coverage, but this is standard.

In addition, MetLife offers great discounts for veterinary professionals. So, if you have a pet with spine and knee problems (and you’re a veterinary worker), we highly recommend MetLife.

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9. Embrace

Embrace is number nine on our list. This company keeps its system simple by offering one customizable plan that includes comprehensive accident and illness coverage, plus decent behavioral, orthopedic, and dental coverage.

Embrace also covers wellness for an extra fee. Depending on your pet’s situation, they may even cover curable pre-existing conditions.

The downside is that Embrace is expensive, especially with their wellness rider option. On top of that, they have annual payout limits, so you need to be sparing with claim submissions. But here’s the nice part: their claims submissions are easy through online mobile app submission.

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10. AKC

The American Kennel Club isn’t just for dog shows. The famous breeding organization also offers pet insurance!

With AKC, you can select limited or unlimited annual payouts, with the option of a wellness rider. They also have a breeding coverage add-on option, so this is a great choice if you’re considering breeding.

Their base plan is budget-friendly, with several deductible and reimbursement options. If you’re thinking about breeding, AKC will cover specific breeding costs. However, their essential coverage lacks hereditary and dental coverage unless you pay extra.

In addition, the AKC has an accident-only plan, but it’s only available for dogs nine years and older. They also have several waiting periods that confuse people.

Ultimately, we feel this option is only best for breeders, so we’ve listed it as number 10.

Buyer’s Guide: How to Choose the Right Pet Insurance Providers in Kansas

What to Look for in Pet Insurance (for Cats, Older Dogs, Etc.)

So, you’ve looked at the 10 options. How do you know which one is best for you?

Pet insurance coverage differs from one company from the rest, mainly in how a company structures its coverage. It’s up to you to decide which one suits your pet’s needs. Let’s look at these a little more closely.

Policy Coverage

All pet insurance policies have coverage for accidents and illnesses. Typically, coverage can include:

How much coverage a company offers differs. Only some companies will cover these areas in their essential coverage, but most companies will.

From here, you’ll notice companies offering riders. Riders are additional coverage a pet owner can choose by spending a little more per month.

A good example is a wellness rider. Most pet insurance companies don’t cover annual wellness exams, vaccines, spays, neuters, etc. However, a pet owner can spend a few extra dollars to cover these services.

Other riders can include behavioral, alternative, boarding, lost pets, end-of-life services, and more.

Accident-Only

If you want to save money on comprehensive coverage, accident-only plans can help. Accident-only plans cover accidents like broken bones, toxic ingestions, cuts, and more. This plan won’t cover illnesses like cancer, but it gives you peace of mind without spending too much money per month.

Customer Service & Reputation

Customer service is all about communication. It’s how a company supports you before and after a claim submission.

The majority of your interactions with a pet insurance company will be indirect. Of course, friendly interactions are important, but we also have to consider avenues for communication. Some companies only allow email and phone calls, whereas others include fax and online app claim submissions.

You also need to consider when you can contact customer service. Not all companies have customer support on the weekends or past normal business hours. Each company is different, so you’ll have to decide what’s important.

Claim Repayment

Claims processing involves claim submission, review, and reimbursement. How long this takes varies from company to company. Some companies only need 24 hours, whereas others take up to 30 days.

Generally, the average claim processing time is two weeks. We have found that companies that allow online claim submissions (or more than one way to submit a claim) tend to have faster claims processing times.

Price Of Policy

Generally, you’ll pay anywhere from $16–$60 per pet, per policy. Pricing varies enormously from company to company.  Each company looks at different factors, like location, your pet’s age, breed, and species. Deductibles, reimbursements, and riders will also affect your monthly premium price.

Dogs tend to have higher monthly premiums than cats because they’re more likely to become sick or injured. Purebreds and senior pets will have even higher premiums because they’re more at risk.

Plan Customization

Plan customization is the flexibility of a policy. For instance, a company may offer multiple deductibles and reimbursement options. They may offer several riders to pick and choose, so you don’t have to spend money on services you don’t want.

Usually, a diverse set of monthly plans and customizable coverage means you can find the best price. Just watch out for paying for services you don’t intend to use.

Frequent Asked Questions

How Does Pet Insurance Work?

Pet insurance differs from human medical insurance because you have to pay the full veterinary bill upfront first. Once you do, you submit a claim. The company reviews the claim and reimburses you based on the percentage you chose for your policy.

What’s Considered an Accident for Pet Insurance?

Simply put, an accident is something you can’t plan for, such as a broken leg, a deep cut, or being hit by a car.

Can I Get Pet Insurance Outside the U.S.?

Most pet insurance companies only cover accidents within the country you’re insured in. However, some companies offer coverage for oversea travels. The best thing to do is speak with your provider if you plan to leave the country.

Are Pre-Existing Conditions Covered?

A pre-existing condition is a medical ailment that has already received medical attention before purchasing a policy. Pet insurance companies don’t cover pre-existing conditions simply because they’re too expensive upfront.

My Pet Insurance Isn’t Listed in Your Reviews. Should I Be Worried?

Don’t worry if your pet insurance provider isn’t on our list. There are dozens of excellent pet insurance companies. Choose whichever pet insurance company you feel keeps your pet healthy and safe at the best rates. Our goal is to give you options to make the best decision for you and your pet.

Can I Choose My Vet When I Sign Up for a Policy?

Usually, pet insurance companies allow you to choose a vet, but there are a few exceptions on the market. If you have pet insurance through an employer, that might prohibit you from choosing your own vet.

What the Users Say

So, is it worth getting pet insurance in Kansas?

Pet insurance is good to have as long as the benefits outweigh the cost of insurance. Sometimes, people pay for coverage they never use or are charged outlandish fees. Prices also increase as your pet ages, especially if you have a purebred.

The best way to avoid this is to research your pet and discover ailments unique to its breed. This will give you an idea of what you should pay for before symptoms kick in.

To avoid paying high fees, we recommend avoiding wellness riders (at least initially) and paying for the basic accident and illness coverage. You can even have accident-only coverage if you’re on a tight budget. This helps keep costs low and allows the budget to stretch further.

Which Pet Insurance Provider Is Best for You?

Our favorite pet insurance provider for this list is Pets Best. Pets Best has excellent comprehensive coverage and is fully customizable to fit your financial needs. They have no payout limits, no upper age limits, and have an accident-only plan if that’s all you need.

Since Kansas is a low-cost state, Pets Best prices can suit the needs of Kansas residents. They can always pay for additional riders if they want more coverage.

The best part? If you have Progressive insurance, you can receive a slight discount because they use Pets Best as their pet insurance provider

Summary

Shopping for insurance is tough, but it doesn’t have to be a nightmare. Consider our buyer’s guide when you shop around for policy quotes and ask yourself, “What do I need in addition to accident and illness?”

Are acupuncture and chiropractic therapy important to you? Do you want to train your puppy but can’t afford to? Is your dog a purebred with hereditary conditions?

Asking yourself questions like these will help you understand what you want out of a pet insurance company.

Happy shopping!

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