The Best Pet Insurance in Kansas (2024)
Kansas is home to vibrant sunflowers, rolling wheat fields, and a whole lot of pets. Over 60% of Kansas households own pets, which means there are many furry family members to take care of.
Top-notch veterinary care is a large part of your pet’s health and happiness. As a pet parent, you know vet care is costly – and you don’t need financial stress when you’re already worrying about your buddy being injured or sick.
Many pet owners across the nation are purchasing pet insurance to quell the financial burden of unexpected veterinary bills. There are many top-rated providers on the market, and we’ve reviewed a few of them to help you compare plans, costs, and coverage.
The 4 Best Kansas Pet Insurance Companies
We’ll review the following providers to help you find the best pet insurance in Kansas:
- Spot: Best overall
- ASPCA: Most experienced
- Embrace: Best for deductibles
- Healthy Paws: Best for chronic conditions
Compare Pet Insurance Companies in Kansas
| Best For | Star Rating | Monthly Cost | Link | ||
|---|---|---|---|---|---|
| Spot |  | Most Inclusive | $22-$80 | Compare Quotes | |
| ASPCA Pet Insurance |  | Most Experienced | $18–$44 | Compare Quotes | |
| Embrace |  | Best for Discounts Offered | $23-$85 | Compare Quotes | |
| Healthy Paws |  | Best for Chronic Conditions | $24–$54 | Compare Quotes |
| Spot | |
|---|---|
| Logo |
 |
| Best For | Most Inclusive |
| Star Rating | |
| Monthly Cost | $22-$80 |
| ASPCA Pet Insurance | |
|---|---|
| Logo |
 |
| Best For | Most Experienced |
| Star Rating | |
| Monthly Cost | $18–$44 |
| Embrace | |
|---|---|
| Logo |
 |
| Best For | Best for Discounts Offered |
| Star Rating | |
| Monthly Cost | $23-$85 |
| Healthy Paws | |
|---|---|
| Logo |
 |
| Best For | Best for Chronic Conditions |
| Star Rating | |
| Monthly Cost | $24–$54 |
*The waiting periods above apply to accident/illness coverage. Waiting periods for orthopedic conditions like hip dysplasia and cruciate ligament injuries are typically six to twelve months, depending on the provider.
The Best Pet Insurance Companies in Kansas Reviewed
We think pet insurance is an excellent tool for keeping your pet happy and healthy. You’ll pay expected monthly fees in exchange for peace of mind when it comes to handling unexpected veterinary bills.
The following section will review some providers that offer customizable plan options and comprehensive coverage. A few of them also provide wellness coverage for an additional monthly fee so that you can keep your pet up-to-date on routine care.
Spot
Most Inclusive
ASPCA Pet Insurance
Most Experienced
Embrace
Best for Discounts Offered
Healthy Paws
Best for Chronic Conditions
How Does Pet Insurance Work in Kansas?
Human health insurance operates through networks, which means healthcare providers accept certain insurance companies. Pet health insurance doesn’t operate through networks, so you can take your pet to any licensed veterinary clinic or animal hospital.
Pet insurance works on a claims reimbursement system. You’ll pay vet bills in full, and your pet insurance provider will reimburse you after the fact.
Save any medical records and itemized invoices from your vet visit; you’ll submit these documents online to file your pet insurance claim. Once you’ve submitted a claim, you can track its progress or ask any questions through your account.
Your pet insurance provider will typically process your claim within two weeks. Therefore, suppose you submitted the proper documentation and covered all the services under your plan. In that case, your provider will send a check by mail or deposit your reimbursement directly into your bank account.
How to Choose the Best Pet Insurance in Kansas for You
When choosing a pet insurance plan in Kansas, there are two essential factors to consider:
- Monthly cost
- Annual coverage
First, we want to note that your monthly pet insurance cost will vary depending on your pet’s species, breed, age, and ZIP code. Your pet’s age and breed might affect your coverage, too.
Take a look at how different factors affect Spot pet insurance quotes for a German Shepherd living in Kansas.
| City | Age (In Years) | Rates | Monthly Cost |
|---|---|---|---|
| Topeka | 1 | $2,500 annual payout limit 70% reimbursement rate $1,000 annual deductible | $21 |
| Unlimited annual payout 90% reimbursement rate $100 annual deductible | $98 | ||
| 5 | $2,500 annual limit 70% reimbursement rate $1,000 annual deductible | $24 | |
| Unlimited annual payout 90% reimbursement rate $100 annual deductible | $116 | ||
| Wichita | 1 | $2,500 annual limit 70% reimbursement rate $1,000 annual deductible | $23 |
| Unlimited annual payout 90% reimbursement rate $100 annual deductible | $106 | ||
| 5 | $2,500 annual limit 70% reimbursement rate $1,000 annual deductible | $25 | |
| Unlimited annual payout 90% reimbursement rate $100 annual deductible | $127 |
When choosing an insurance plan, you might feel tempted to select the cheapest option available. While low-cost options are still valid, we encourage you to look at the coverage you’ll get for those lower prices.
Plans for senior pets are automatically more expensive because the pets are at higher risk of illness and injury. Paying $25 per month is great until your pet needs medical care and you have to reach a high deductible. In this case, you might never reap the benefits of your pet insurance plan – and when you do, you’ll get low reimbursement and limited coverage.
To choose the best pet insurance in Kansas for you, we encourage you to step back and look at the whole picture of your pet’s health, vet costs, and your budget.
You buy any insurance with the hope you’ll never have to use it, but good coverage is so helpful in dire situations. If your pet is accident or illness-prone, paying a higher monthly premium is worth it in the long run. Not only will you get more reimbursements and annual payouts, but you also won’t have to skimp on your pet’s medical care because of high costs.
How Much Does Pet Insurance Cost in Kansas?
On average, you’ll pay $40-$60 for dog insurance and $15-$30 for cat insurance.
As you saw in the previous section, your price will depend on your pet’s species, breed, age, location, and the rates you select.
Wellness package costs don’t typically vary by location, so you’ll pay the same amount no matter where you are. This is good if you’re in an area with cheaper vet costs because you’ll get more from your wellness allowance. If your vet’s preventative care services are on the higher end of the price range, you’ll meet per-item limits quicker and might have to cover costs out of pocket.
Regardless of your pet’s characteristics, pet insurance costs vary by provider, making some companies more competitive than others.
To give you an idea of how price points vary by company, we’ve generated sample quotes* for a 3-year-old Labrador Retriever and an American Shorthair cat living in Kansas City, Kan.
| Provider | Sample Monthly Cost For Dogs | Sample Monthly Cost For Cats | Sample Monthly Wellness Cost |
|---|---|---|---|
| Spot | $54 | $25 | $10-$25 |
| Embrace | $42 | $26 | $19-$52 |
| Healthy Paws | $48 | $19 | No wellness option |
| ASPCA | $44 | $15 | $10-$25 |
*These sample plans have $10,000 annual limits, 80% reimbursement rates, and $500 yearly deductibles, when applicable.
Our Final Thoughts on the Top Pet Insurance Providers in Kansas
Your pet’s health is a crucial part of its happiness and ability to be a fun, loving companion. As a pet owner, it’s your responsibility to provide your pet with top-notch veterinary care, even when it’s expensive.
Pet insurance is a tool that helps minimize financial stress during veterinary emergencies. You can focus on your pet’s healthcare, knowing you’ll be reimbursed for costly services.
With so many solid pet insurance options on the market, we know it can be hard to choose the best one. This is why we’ve compiled comprehensive pet insurance reviews for a deeper dive into policies, add-on packages, plan exclusions, and costs.
We hope this article helps you find the best pet insurance for your pet care and budget needs, so you’ll have coverage no matter where you are in the Sunflower State.
Information for Pet Owners in Kansas
Like Kansas’ rolling fields of wheat, your pet is absolutely golden. Your furry friend loves to be by your side, and Kansas provides some great opportunities for pet-friendly fun. We’ve listed a few fun things to do with your pet, so no one has to miss out on an adventure.
We’ll also go over some Kansas pet laws to keep your buddy safe in the Wheat State. Last but not least, you can read about some Kansas pet owner resources for severe weather safety tips and pet financial support.
Kansas Pet Laws
Kansas pet laws hold pet owners to high responsibility and pet care standards. Kansas pet laws vary by city, so be sure to research the guidelines in your specific area.
No matter where you are, you should follow these rules to avoid legal trouble and, more importantly, ensure your pet’s health and safety.
- You must obtain an official license to be a pet breeder in Kansas.
- You must obtain a license for all dogs, cats, and ferrets.
- You must have your pet dog, cat, or ferret vaccinated against rabies.
- You must provide your pet with adequate food, water, shelter, and veterinary care.
- You can have a maximum of four domestic pets per household, including dogs, cats, ferrets, and pot-bellied pigs.
Visit this site to learn about exotic pet laws in Kansas.
Fun Things to Do With Your Pet in KS
Treat your pet to a day at The Pet Ranch in Olathe, Kan. With a membership to The Pet Ranch’s private dog park, your pup will have access to 13 acres of off-leash fun. You and your dog can walk along trails, frolic through open fields, or play in the stream. There’s also an agility course for athletic pups.
The Pet Ranch offers pet boarding and daycare services if your buddy needs a vacation.
For more outdoor fun, you can bring your dog along to the Kansas City Renaissance Festival. After registering your pet online, you can bring it along as you explore a land of fantastical fun.
Your pet will have a blast greeting pirates and princesses and chowing down on a rotisserie turkey leg. The festival sometimes sponsors dog-themed events like the Barkbarian Brew Fest, so keep an eye out for updates.
Kansas Pet Resources
Located in Tornado Alley, Kansas is prone to severe weather. In the event of a storm, you need to be prepared to hunker down or evacuate.
The Ready Campaign provides pet owners tips and resources for protecting their pets during disasters. It recommends the following actions if a storm is headed your way:
- Ensure you have a safe place to take your pet during a disaster. Many shelters and hotels won’t allow your pet inside.
- Build an emergency supply pet kit including food, water, medicine, collars, leashes, a crate, and grooming supplies.
The Lawrence Humane Society (LHS) provides community members with low-cost spay/neuter and microchipping services. These services help reduce local pet overpopulation and return pets to their owners.
The LHS also operates the Crisis Pet Retention Program to support pet owners experiencing poverty and homelessness. The CPR Program provides pet rent support, pet supplies, emergency veterinary care, behavioral consulting, temporary boarding, wellness care, and more.
Frequently Asked Questions About Pet Insurance in Kansas
Does pet insurance cover all veterinary expenses in Kansas?
No, pet insurance won’t cover all expenses you build up at the vet’s office. However, insurance will typically cover accidents and illnesses that aren’t pre-existing. Some policies will even offer wellness and preventative care add-ons that add additional benefits to your policy, like wellness exams and vaccines.
How much does pet insurance cost?
Pet insurance costs will vary based on your pet insurance provider, location, your pet’s breed, your pet’s age, and more. Other factors that will influence the cost of pet insurance include the type of plan you choose, especially if the plan has extensive coverage and if you opt for preventative care add-ons. The more coverage your plan has, the higher the cost is likely to be.
To give you a general idea of pet insurance costs, we’ve researched the following numbers for you. Currently, most dog insurance plans cost $28 per month on average, and cat insurance plans can cost as little as $11 per month. Depending on the plan, you can expect to pay anywhere from $10 per month to $90 per month in most cases.
What does Pet Insurance Typically Cover?
Depending on what type of plan you choose, your pet insurance plan will cover different things. Accident-only plans provide medical coverage for accidental injuries, such as broken bones, sprains, and prescription medications. Accident-and-illness plans try to extend that coverage to include cancer treatments, digestive illness, hip dysplasia, and similar issues.
Our Methodology
Other Pet Insurance Resources
-
Does Pet Insurance Cover Spaying and Neutering? ( 2025 Guide)
-
Best Pet Insurance Plans for Older Dogs (2024 Review)
-
Do All Vets Take Pet Insurance
-
Best Pet Insurance Plans for Multiple Pets (2024 Review)
-
Pet Dental Insurance: Finding The Right Plan (2024)
-
Does Pet Insurance Cover Parvovirus?
-
Best Cheap Dog Insurance Plans (2025 Review)
-
Pet Insurance Cost: The Definitive 2025 Guide
-
Is Pet Insurance Worth it?
