Get the Best Pet Insurance in Kentucky in 2024

Sponsored by Figo Pet Insurance

If you’re a pet parent in Kentucky, finding the best pet health insurance policy can feel overwhelming. With so many plans to pick from, it’s important to understand what’s covered, what’s not, and how it all fits into your budget. Taking the time to choose the right plan means better care for your furry friend and peace of mind for you.

This guide is here to help make the process easier for pet lovers in the Bluegrass State. We’ll break down the costs, share some of the top pet insurance options, and explain what makes pet insurance in Kentucky unique. Whether you’re worried about vet bills for unexpected accidents or want coverage for routine care, we’ll give you the tools you need to make a confident decision when you purchase pet insurance.

Summary: Best Kentucky Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 12/2/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Kentucky?

According to our research, Kentucky pet insurance costs an average of $30 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $49 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Kentucky cities: Louisville, a major urban center, and Elizabethtown, an average-sized city for the state.

It's important to note that your own Kentucky pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare Kentucky pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Kentucky

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Kentucky is $30 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $49 monthly.

Cost of Pet Insurance in Kentucky by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Kentucky:

Cost of Pet Insurance for Cats in Kentucky

Pet insurance for cats is significantly cheaper than dog insurance in Kentucky. The average monthly cost for cat insurance in the state ranges from $10 to $38, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Kentucky by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Kentucky pet insurance, here are the average monthly rates for these breeds

Cost Comparison for Pet Insurance Companies in Kentucky

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Kentucky

Choosing the right pet insurance in Kentucky is key to protecting your furry friend from the state’s unique health risks. Kentucky’s warm, humid climate and diverse landscapes create challenges for pets, making comprehensive coverage a must.

Intestinal parasites, like whipworms, are a common concern, with Kentucky ranking high in cases among dogs. Tick-borne illnesses, such as ehrlichiosis, are also prevalent in wooded areas, so year-round parasite prevention is essential. In addition, wildlife encounters in the state’s forests and rural areas can lead to injuries or the spread of disease, highlighting the importance of vaccination and supervision.

Kentucky’s hot summers and cold winters add seasonal risks, from heatstroke during high temperatures to hypothermia in freezing conditions. Providing proper shelter and monitoring outdoor activities can help keep pets safe.

A pet insurance plan with broad coverage for accidents, illnesses, and preventive care ensures your pet is protected, no matter the challenge. By investing in a good policy, you can enjoy peace of mind while caring for your pet in Kentucky.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Bluegrass State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable, particularly in a state like Kentucky, where environmental challenges are a frequent concern.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Veterinary costs in Kentucky are often lower than in many states but having coverage for exam fees can still lead to significant savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Kentucky Pet Laws

Kentucky, with its picturesque landscapes and renowned bourbon distilleries, is committed to ensuring the wellbeing of its animal residents along with public safety. To support responsible pet ownership and enhance animal welfare, the state has implemented comprehensive pet laws. Here are the key regulations that Kentucky pet owners should be aware of:

• Rabies vaccination. Kentucky requires that all dogs, cats, and ferrets over four months old receive rabies vaccinations. A licensed vet who can practice in the State of Kentucky must administer the rabies vaccine.
• Dog bite laws. Kentucky’s strict liability law holds dog owners responsible for harm caused by their pets to people, livestock, or property. The law also allows individuals to protect livestock, poultry, or people by capturing or killing a dog caught in the act, with legal protection from liability.
• Protection for licensed dogs as personal property. In Kentucky, licensed dogs are considered personal property, which gives them protection against theft and unlawful harm. Law enforcement officers are generally prohibited from harming a licensed dog, except under legally permitted circumstances.
• Veterinarian liens on animals for services. In Kentucky, veterinarians can claim a legal right, called a lien, on animals they have treated if the owner gave consent for the treatment but hasn’t paid for the services. This means the veterinarian can hold an interest in the animal to ensure they are compensated. The priority of these liens is determined by the order in which they are officially filed.
• Local dog-related laws. While Kentucky enforces statewide dog regulations, local municipalities have the power to implement and enforce their own dog control ordinances, as long as they do not contradict state laws. This allows for more specific regulations tailored to local needs.

Louisville Pet Laws

Nestled on the banks of the Ohio River and celebrated for its iconic Kentucky Derby and rich bourbon culture, Louisville maintains strict pet regulations to safeguard both animals and community members. Here’s a rundown of essential animal laws that pet owners in Louisville should follow:

• Licensing requirements. All dog, cat, and ferret owners in Jefferson County must secure a license from Metro Animal Services (MAS) or another authorized facility, tied to a valid rabies vaccination. Pets four months and older must always display their license and rabies tags on their collars or harnesses.
• Leash laws. Louisville mandates that all animals, except community cats, be kept under control. This means pets must either be enclosed or on a leash, with exceptions noted in specific areas. Unlicensed pets or those without proper ID found at large risk impoundment.
• Pet waste management. Pet owners must carry a suitable device to collect and properly dispose of their pet’s waste on school grounds, metro parks, and other public or private properties unless consent is given. This rule excludes individuals with disabilities using assistance dogs.
• Animal cruelty enforcement. The city enforces severe penalties against animal cruelty, including neglect, physical abuse, and involvement in organizing animal fights. Keeping animals for fighting purposes is strictly prohibited.

Lexington Pet Laws

In Lexington, Kentucky, celebrated as the "Horse Capital of the World" and surrounded by iconic horse farms and racing venues, the city takes pride in its commitment to responsible pet ownership and the welfare of animals. Here are several important pet laws that Lexington residents should be aware of:

• Licensing requirements. In Lexington, all dogs and cats must be licensed once they reach six months old, after receiving their required rabies vaccination (which is mandatory for pets aged four months and older). Pets must wear their license tag and rabies tag on their collar or harness at all times. Assistance dogs are exempt from licensing.
• Leash laws. Dogs must be contained within a fenced area or securely restrained on the owner's property. Off the property, dogs should be controlled with a collar or harness and a suitable leash or tether. Hunting dogs may be off-leash during legal hunting activities on designated lands, but otherwise, dogs unattended and unrestrained are considered at large.
• Pet waste management. Property owners must prevent the accumulation of animal waste to avoid creating nuisances like odors or unsightly litter. Anyone responsible for an animal in public or on someone else’s property must quickly clean up and dispose of the animal’s waste. Failure to do so may result in fines.
• Animal abandonment. It's unlawful to abandon any animal in Lexington, particularly leaving wounded or ill animals in public spaces. Violations can result in fines ranging from $100 to $500, or imprisonment for up to 12 months.

Bowling Green Pet Laws

Bowling Green, celebrated for its historic railroads and the dynamic atmosphere of Western Kentucky University, is dedicated to protecting pets and creating safer communities through effective pet legislation. Here’s what residents and visitors need to know about Bowling Green’s pet regulations:

• Licensing requirements. All dogs and cats within the city must be licensed annually through the Bowling Green-Warren County Humane Society. Owners are required to register their pets each year and pay a fee to maintain their license.
• Leash laws. Pets must be confined within an enclosure or on a leash while on the owner’s property. Off the property, pets need to be on a leash and under the control of a responsible person, except in the designated off-leash area at the H.P. Thomas Bark Park.
• Rabies vaccination. All dogs, cats, and ferrets aged three months and older must be vaccinated against rabies. Owners must show a veterinarian's certificate of vaccination when applying for a license, and the rabies tag must be attached to the pet’s collar, harness, or within their enclosure.
• Animal cruelty enforcement. Bowling Green has strict laws against animal cruelty. It’s illegal to neglect or fail to provide necessary care including food, water, shelter, or healthcare. The consequences for violations can include heavy fines, imprisonment, or both, ensuring that animal welfare is taken seriously.

Common Pet Risks in Kentucky

Kentucky’s mix of rural landscapes, forests, and changing seasons creates a variety of challenges for pet owners. Here are some specific risks to be aware of in the Bluegrass State:

• Intestinal parasites. Kentucky ranks high for cases of whipworms and other intestinal parasites in dogs. Pets can contract these through contaminated soil, water, or other animals, leading to symptoms like diarrhea, weight loss, and dehydration. Routine deworming and preventive care are essential to protect your pet’s health.
• Tick-borne diseases. Kentucky’s wooded and grassy areas are prime habitats for ticks, which can carry diseases such as ehrlichiosis and Lyme disease. These illnesses can cause symptoms like fever, joint pain, and lethargy in pets. Regular tick checks and year-round preventive treatments can help reduce the risk.
• Wildlife encounters. Kentucky’s forests and rural areas are home to wildlife such as raccoons, skunks, and snakes. Encounters with these animals can lead to injuries, infections, or exposure to diseases like rabies. Keeping pets supervised and up to date on vaccinations is critical.
• Heat-related illnesses. Kentucky’s hot, humid summers increase the risk of heatstroke and dehydration in pets, especially during outdoor activities. Pets with flat faces, like bulldogs, or those with thick coats are particularly vulnerable. Providing fresh water, shade, and limiting exercise during peak heat can help prevent heat-related conditions.
• Cold weather risks. While Kentucky’s winters are milder than in some northern states, pets can still suffer from frostbite or hypothermia when temperatures drop. Short-haired breeds, puppies, and elderly pets are especially susceptible. Ensure your pet has proper shelter and limit outdoor time during cold snaps.

Veterinary Costs in Kentucky

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Kentucky is $66. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Kentucky

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Kentucky:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Kentucky. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Kentucky FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens