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10 Best Pet Insurance Providers in Kentucky – 2024 Reviews

Ashley Bates

By Ashley Bates

woman holding pet insurance form

Pet insurance is taking the world by storm. Many pet owners are flocking to the support of insurance companies to ensure that their pets can get the proper veterinary care—especially in dire emergency situations. If you live in Kentucky, you might wonder what your best options are. Luckily you have options that span not just in Kentucky but across America.

Here are 10 of the best insurance companies we could find available for owners today. Hopefully, our reviews are thorough enough to help you pick out the exact company that will work with your pet’s needs.

A Quick Look at Our Winners in 2024

Rating Image Product Details
Best Overall
Winner
Trupanion Pet Insurance Trupanion Pet Insurance
  • Pays your vet directly
  • Innovative plans
  • Lock-in price
  • Second place
    Lemonade Pet Insurance Lemonade Pet Insurance
  • Lots of savings opportunities
  • Good customer service
  • Third place
    Embrace Pet Insurance Embrace Pet Insurance
  • Affordable, flexible plans
  • Great customer service
  • Broad coverage
  • Bivvy Pet Insurance Bivvy Pet Insurance
  • Set premium
  • Budget-friendly
  • Straightforward coverage
  • Figo Pet Insurance Figo Pet Insurance
  • 100% reimbursement rate options
  • Covers preexisting conditions in certain circumstances
  • The 10 Best Pet Insurance Providers in Kentucky

    1. Trupanion Pet Insurance—Best Overall

    Trupanion Pet Insurance

    Reimbursement Rate 90%
    Deductible Varies

    Trupanion Pet insurance stepped on the scene to offer customers a comprehensive list of coverage with tons of perks and benefits—especially for younger pets. We think that as the company grows, it will continue to beat out competitors with its innovative concepts.

    Coverage

    instead of giving you a rundown on what Trupanion covers, you can get a quick rundown if you click here. What is unique about this company is that they pay your vet directly. So, it takes out a lot of the hassle for you so you can focus on your pet’s health.

    Customer Service

    Trupanion has terrific customer service that makes it easy for customers to keep in contact. You can get ahold of a representative via telephone or chat on the main website.

    Pricing

    Pricing really varies what’s Trupanion because they don’t come up with costs like a normal insurance company. Your premium is decided by the age of your pet when you enroll. For instance, a healthy puppy will cost a lot less to cover than an older senior.

    However, once you get trooping in coverage, your rate is locked in for your pet’s lifetime. That’s why we think it would work best for younger animals so you can reap the benefit of a lower premium longer.

    Pros
    • Pays your vet directly
    • Innovative plans
    • Lock-in price
    Cons
    • Might be expensive for seniors

    2. Lemonade Pet Insurance

    Lemonade Pet Insurance

    Reimbursement Rate 70-90%
    Deductible $100, $250, $500
     

    Lemonade Pet Insurance is yet another aspect of coverage that the company already offers on other aspects of living. Once they tacked on pet insurance, we think that they have some pretty worthy policies that could deserve some attention.

    Coverage

    We love how easy lemonade makes coverage and claims. Everything is very convenient. However, it also has its downfalls. For instance, if you have lemonade coverage and cancel your policy, any diagnosis your pet has encountered during the policy will be considered a preexisting condition for any policy in the future. So that’s important to keep in mind when you’re deciding.

    Covered
    • Diagnostics
    • Procedures
    • Medication
    • Wellness exams
    • Intestinal parasite test
    • Heartworm test
    • Blood work
    • Vaccinations
    • Fela and heartworm medication
    • Medical advice chat
    Not Covered
    • Pre-existing conditions
     

    Customer Service

    Lemonade is super easy to get ahold of and their customer service representatives are ready to help you out anytime. They also include a 24/7 medical chat to policyholders so you can get any questions that you have answered by a professional.

    Pricing

    With pricing, Lemonade has a standard rate that fluctuates with the coverage options you pick. You can also save money on policies if you have a bundle, multiple pets, or an annual fee discount included.

    Pros
    • Lots of savings opportunities
    • Good customer service
    Cons
    • Strict policy rules

    3. Embrace Pet Insurance

    embrace pet insurance

    Reimbursement Rate 90%
    Deductible Varies

    Embrace is another great provider to check out. They have wide coverage plans and are among the most popular companies that offers pet insurance.

    Coverage

    We really love that Embrace will consider preexisting conditions. If your pet has been symptom-free for 12 months before coverage starts, they are eligible for coverage. We think it’s important for more companies to take an interest in these target areas to improve the customer experience.

    Covered
    • Some pre-existing conditions
    • Dental illness
    • Breed-specific congenital and genetic conditions
    • Cancer
    • Chronic conditions
    • Preventable conditions
    • Orthopedic conditions
    • Complementary treatments/ rehabilitation
    • Emergency care
    • Hospitalizations and surgery
    • Specialist care
    • Diagnostic testing
    • Prescription drugs
    Not Covered
    Insert cons
     

    Customer Service

    Embrace has an incredibly sound customer service base ready to help you at every turn. Sign-up is very easy, and the representatives quickly walk you through the process. It’s also easy after that, from questions to claims. They have tons of resources on their website that you can also take advantage of.

    Pricing

    Embrace has average pricing that fits in the budgets of most consumers. We think they have some pretty flexible options and seem willing to work with you providing fast and efficient information. They also add on a few discounts if you have multiple pets, along with other perks. Speak to your representative about specific options in Kentucky.

    Pros
    • Affordable, flexible plans
    • Great customer service
    • Broad coverage
    Cons
    • Might not work for all budgets

    4. Bivvy Pet Insurance

    Bivvy Pet Insurance

    Reimbursement Rate 50%
    Deductible $100
     

    Bivvy Pet Insurance as an incredibly affordable choice for most healthy adult dogs or cats. We love the simplicity of it, and we think your bank account won’t even notice the monthly premium deduction.

    Coverage

    Bivvy has some really terrific coverage options for the cost. It is an efficient, effective insurance with low monthly premiums. However, they have annual caps of $2000, which can potentially deter some buyers.

    Covered
    • Illness
    • Accidents
    • Hereditary conditions
    • Congenital conditions
    • Cancer
    • Diagnostic treatment
    • X-rays and ultrasound
    • Blood tests
    • Surgery
    • Hospitalization
    • Prescription medications
    • Emergency care
    • Orthodontic treatment
    Not Covered
    • Pre-existing condition
    • Preventative care
    • Spay and neuter surgery
    • Cosmetic surgery
    • Air ambulances
    • Boarding
    • Cloning
     

    Customer Service

    Bivvy might not have all its ducks in a row regarding customer service just yet. The contact options are limited to mail or telephone. Because you have to mail claims, this can delay payouts, which is definitely not an insurance company for instant reimbursement rewards.

    Pricing

    Pricing is the best part about Bivvy. It is a straightforward system charging a $15 monthly premium with no hang-ups or add-ons. They also offer pet credit for tight money situations. See if you qualify.

    Pros
    • Set premium
    • Budget-friendly
    • Straightforward coverage
    Cons
    • Poor customer service options

    5. Figo Pet Insurance

    FIGO Pet Insurance

    Reimbursement Rate 100%
    Deductible $100-$1,000
     

    Figo Pet Insurance offers comprehensive coverage for dogs and cats with perks. We think they should definitely be in your consideration, although they have varying deductibles that can get quite pricey.

    Coverage

    Figo offers a wide array of coverage. They also consider preexisting conditions if your pet has been symptom-free for 12 months.                     

    Covered
    • Emergency and hospitalization
    • Surgeries
    • Veterinary specialists
    • Diagnostic testing
    • Knee conditions
    • Prosthetics and orthopedics
    • Hereditary and congenital
    • prescriptions
    • Hip dysplasia
    • Chronic conditions
    • Dental illness and injury
    • Imaging
    • Cancer treatments
    • Wellness coverage
    • Veterinary exam fees
    Not covered
    • Pre-existing conditions
    • Experimental procedures
    • Breeding, pregnancy, or whelping
    • Cosmetic surgery
    • Cloned or cloning procedures
    • Most parasites
     

    Customer Service

    At Figo, they take customer service very seriously. They offer so many options for customers to keep in touch. You can call in anytime or get ahold of them via the website. They also have an around-the-clock medical staff to answer any pet-related questions.

    Pricing

    Even though Figo might be more expensive than other coverage options, they also have a reason. In some circumstances, they offer a 100% reimbursement rate, making the monthly premium worth every dollar. It’s the only company we found that offers total reimbursement.

    Pros
    • 100% reimbursement rate options
    • Covers preexisting conditions in certain circumstances
    Cons
    • More expensive than other plans

    6. Pumpkin Pet Insurance

    Pumpkin Pet Insurance_Logo

    Reimbursement Rate 90%
    Deductible $100, $250, $500
     

    Pumpkin Pet Insurance is one of our favorites because they have such a clean well-presented website for customers to check out. It’s incredibly easy to get ahold of them and they have no problem walking you through every step of the process.

    Coverage

    We think that pumpkin sums it up in one big who rob. Although coverage doesn’t start technically until 14 days after the policy begins. Here’s what’s covered.

    Covered
    • Eye, ear, and skin infections
    • Digestive illness
    • Hip dysplasia
    • Cancer and growths
    • Parasites and infectious disease
    • Orthopedic injuries
    • Swallowed objects
    • Diagnostics
    • Emergencies
    • Microchipping
    • Dental illness
    • Hereditary conditions
    • Behavioral issues
    • Exam fees
    • Alternative therapies
    • Prescription food
    Not Covered
    • Pre-existing conditions

    Customer Service

    Pumpkin has customer service representatives on standby to help customers through every process step, from quotes to claims. You can get in contact with them using the phone number listed on the website.

    Pricing

    We think that pumpkin has very fair pricing with what their plans cover. We love their reimbursements rates, and typically tend to be very high, upwards of 90%. They also offer additional discounts on multi-pet policies.

    Pros
    • Terrific pricing and coverage
    • Perks and discounts available
    • Excellent reimbursement rates
    Cons
    • High deductibles

    7. Healthy Paws Pet Insurance

    Healthy Paws Pet Insurance

    Reimbursement Rate 90%
    Deductible Varies
     

    Healthy Paws Pet Insurance we’re practically The Pioneers in pet insurance, being the first on the scene to offer coverage for pets. But since then, their reputation has been a little masked by competitors. Still, they are one of the best insurance companies you can pick for health insurance for furry friends.

    Coverage

    Healthy Paws has a pretty comprehensive list of coverage. However, the only downfall is that claims typically take up to 10 days to process. So, they are a little behind other competing companies regarding reimbursement wait times.

    Covered
    • Illness
    • Accidents
    • Hereditary conditions
    • Congenital conditions
    • Chronic conditions
    • Cancer
    • Diagnostic treatment
    • X-rays, blood tests, ultrasounds
    • Surgery
    • Hospitalization
    • Prescription medication
    • Emergency care specialty care
    • Alternative therapies
    Not Covered
    • Pre-existing conditions
    • Exam fee
    • Preventative care
    • Spaying/ neutering
    • Anal gland expression
    • Boarding
    • Behavior modification
     

    Customer Service

    Healthy Paws Has Tons of FAQ Information on their website. However, if your questions go unanswered and you’re having trouble with any part of the process, they are ready and willing to help you out.

    Pricing

    Healthy Paws has pretty middle-of-the-road pricing and comparison to other competitors. But you get a $25 gift certificate for any person you refer to the company. It’s called the Refer-A-Friend program.

    Pros
    • Offers rewards
    • Great website setup
    • Leaders in the industry
    Cons
    • Long reimbursement waits

    8. ASPCA Pet Insurance

    ASPCA Pet Health Insurance

    Reimbursement Rate 90%
    Deductible $100, $250, $500
     

    Unsurprisingly, the ASPCA wants to get in on offering pets’ comprehensive coverage. This foundation already caters to so many aspects of domesticated animal Wellness around the board.

    Coverage

    You can select from different plans with the ASPCA, including complete coverage and accident-only policies see you can get the most out of what they offer.

    Covered
    • Accidents
    • Dental disease
    • Hereditary conditions
    • Illness
    • Behavioral issues
    Not Covered
    • Pre-existing conditions
    • Cosmetics procedures
    • Breeding costs
    • Preventative care

    Customer Service

    The ASPCA does not take customer service lightly. They have tons of avenues of communication open for people who oh hold policies or want to quote. On their website, their contact page puts you in touch with customer service representatives, licensed vets, media professionals, and even an application called go fetch pay reimbursement. You can also use their fax number to submit claims traditionally.

    Pricing

    The ASPCA is flexible when it comes to pricing, being affordable for most budgets. Plus, they offer a 10% discount for multiple pet policies.

    Pros
    • Flexible pricing
    • Available discounts
    • Lots of contact options
    Cons
    • Doesn’t offer as much coverage as other companies

    9. Nationwide Pet Insurance

    nationwide pet insurance logo

    Reimbursement Rate 50-70%
    Deductible $250
     

    Nationwide Pet Insurance might be a hair more costly than some other selections on our list but hear us out. Nationwide is the only insurance company to date that offers exotic pet insurance covering a variety of animals. So, if you love not just dogs and cats, but other small animals, including birds and reptiles, this might be the company you need.

    Coverage

    Nationwide covers a variety of conditions and multiple species. Not all coverage information is listed on the website, however they do give you a list of exotic pets that they offer coverage for.

    Not Covered


    • Taxes
    • Waste
    • Grooming
    • Boarding
    • Preexisting conditions

    Customer Service

    Nationwide is a company in general has excellent customer service and multiple avenues of contact. You can easily receive a quote on the website plus they have a tap to call button where you can simply click a link on the website to get connected. So they’re already established in that sense and we think that they deserve credit for that.

    Pricing

    Nationwide policies vary depending on what coverage you select and the type of pet that you are receiving coverage for. For the most part you can find a plan that suits any budget period plus, they offer a 100% money back guarantee for the first ten days after policy activation.

    Pros
    • Exotic animal coverage
    • 100% money back guarantee
    • Easy to navigate process
    Cons
    • Low reimbursement rates

    10. AKC Pet Insurance

    akc-pet-insurance

    Reimbursement Rate 70-90%
    Deductible $100-$1,000
     

    If you are a dog owner with a purebred registered with the AKC, we highly recommend AKC pet insurance period they have excellent coverage options, especially if you’re a breeder. Because of their personalized coverage, they offer a lot that other companies don’t. However, because this is a dog specific company to begin with, they do not cover any other animals including cats.

    Coverage

    Covered
    • Injuries
    • Allergies
    • Broken bones
    • Cancer
    • Emergency care
    • Hospitalization
    • Lab tests
    • Physical therapy
    • Surgery
    • Tooth extraction
    Not Covered
    • Cats
     

    Customer Service

    The AKC takes customer service to heart, offering a wide variety of ways to help out policyholders. They offer a 24-hour veterinary support line, an app called TrailTrax to keep track of claims, and other methods of contact on their website.

    Pricing

    Pricing through the AKC is typically a little more expensive than other options. However, because they cover breeding and additional associated costs, it can be a really terrific option if you are in this field. But because most people aren’t, it scored our last spot in the number 10 slot.

    Pros
    • Dog specific coverage
    • includes breathing services
    • supportive customer service
    Cons
    • Doesn’t cover cats
    • Expensive

    Buyer’s Guide: Choosing the Right Pet Insurance Provider in Kentucky

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

    The entire reason for buying an insurance policy for your pets is to keep them safe in dire situations. You’ll want to make sure that not only do you have access to a veterinarian, but you also have the funds to take care of anything that might occur. So, you want to choose an insurance company that will hold up their end of the bargain. Here are several aspects we consider when thinking of the best insurance companies.

    Policy Coverage

    It’s important to know upfront what a policy covers. If you simply pick a policy and go with it without reading what it entails, you might be upset to encounter an issue that isn’t covered when you’re visiting your vet. It’s essential to think about what matters to you in a policy. Are you looking for wellness coverage? Do you need an insurance company that possibly considers preexisting conditions? All of these are valid aspects of policy coverage. So, always speak to a representative and look at the list to determine coverage for each policy.

    Customer Service & Reputation

    When you’re dealing with insurance, customer service is paramount. They will get you through some pretty big things, including submission of claims, beginning your policy, and maintaining premiums. Reputation is important. You’ll want to choose a company that cares about its customer base without lacking.

    Claim Repayment

    Claim repayment is a big deal. Certain insurance companies have different reimbursement rates that can vary based on exactly what procedures or testing your vet performed.

    Price Of Policy

    Naturally, you’re going to want a plan you can afford—pricing matters in many different aspects. First, you have to consider the monthly premium. Can you afford the payments? Also, does the company have high enough reimbursement rates to satisfy your needs? Is the reimbursement rate worth the monthly premium? We just have to make sure you’re getting your money’s worth.

    Plan Customization

    For some people, it’s essential to have a customizable plan. Sometimes certain animals require specific types of care over others, so it’s important to ensure that it’s covered before anything begins. Also, you’ll want it to be pretty easy to make changes instead of complicated hoops you have to jump through.

    pet insurance form
    Image Credit: Rawpixel.com, Shutterstock

    FAQ

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

    Whether you can get pet insurance outside of the U.S. depends significantly on the type of company you choose. If you want an international company that accepts insurance in the United States and other countries, it’s essential to read the fine print to ensure that is possible. Also, if you reside in another country, you might wonder if you have options. Check with local sources to see what insurance companies cover pets in the area you’ll be.

    What If My Insurance Company Is Not Listed In Your Reviews?

    We are not trying to knock your current insurance company. We completely understand that everyone’s needs are different. We picked the 10 of the best insurance companies that could benefit the majority of customers, in our opinion. If you were already satisfied with the insurance policy you have for your pets, there’s no need to switch or look elsewhere. If you’re happy with the policy coverage, reimbursement rates, and other features of your insurance company, we say if it isn’t broke, don’t fix it.

    Which Pet Insurance Provider Has the Best Consumer Reviews?

    All insurance companies on our list get pretty raving customer service reviews. However, our top peg definitely takes the cake for this, in our opinion. Embrace offers someone to work with you every step to provide you with easy experiences.

    Pet Insurance for in the tablet
    Image Credit: Rawpixel.com, Shutterstock

    What Is the Best and Most Affordable Pet Insurance?

    Bivvy definitely takes the cake when it comes to affordability. Almost every person can fit a $15 monthly budget into their finances. However, you have to keep in mind that their reimbursement rates are always 50%.

    Do All Companies Accept Senior Pets?

    Many insurance companies have a cutoff when it comes to age. As your pet gets older, they are more likely to have health issues and can be a big liability for companies. So, while it might seem unfair, a lot of the companies you see, even those on our list, will have cut-offs that it’s important to be aware of before wasting your time with quotes and other investments.

    What the Users Say

    Seeing what real-life users think about an insurance company speaks volumes. Many people who hold policies feel that this is excellent if they run across financial hard times or can’t pay for emergency care or veterinary issues right up front.

    Tons of factors play a role in customer satisfaction. They could look at another where an insurance company excels in one right. That’s completely to be expected.

    Which Pet Insurance Provider Is Best for You?

    Only you can decide what insurance company is the best for you and your pets. There are several factors to consider, but hopefully, we’ve given you a breakdown of each of these fantastic companies so you can make the most informative decision for your household.

    man signing pet insurance policies
    Image Credit: Drazen Zigic, Shutterstock

    Conclusion

    We love Trupanion Pet Insurance the most because we think it can benefit the widest variety of customers. The reimbursement rates are high, and the deductibles are low. Definitely check them out and get in touch with the customer service representative to figure out a quote.

    If affordability is your main concern, Lemonade pet insurance is top-notch. They have great coverage plans that won’t cost you fortune.

    No matter what insurance company you pick, ensure they cover the aspects of veterinary care you seek. Best of luck shopping for pet insurance; we hope your pal is protected. Thanks for sticking with us and checking out these reviews.

    See also:


    Featured Image Credit: Rawpixel.com, Shutterstock

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