Based on our survey of major pet insurance providers, pet insurance costs average $315 annually for cats and around $581 for dogs in Kansas, making them both 9% lower than the national average. Your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Kansas?
Updated: July 27, 2025
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Key Takeaways
Based on our survey of major pet insurance providers, Kansas dog insurance averages $48 per month ($581 per year), while cat insurance averages $26 per month ($315 per year).
According to our survey, Kansas pet insurance costs are 9% lower for dogs and 9% lower for cats compared to the national average.
Find the best cheap pet insurance in Kansas by researching providers and comparing multiple quotes to get the right coverage level.
How Much Does Pet Insurance Cost in Kansas?
| Cat | $26 | $315 |
| Dog | $48 | $581 |
*These accident-only coverage rates (which cover injuries but not illnesses) apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
What Factors Affect Pet Insurance Costs in Kansas?
Below are the key factors affecting pet insurance costs in Kansas and how influential they are. Click each factor to see pricing details.
Coverage level
Coverage level has the biggest impact on pet insurance rates in Kansas. Our baseline accident-only rates (shown in the main cost table) average $315 to $581 annually, while comprehensive accident and illness coverage ranges from $497 to $981 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Dogs typically cost more than cats because they face higher risks of injuries and have breed-specific health conditions that can lead to more frequent claims.Â
Our research shows monthly costs range from about $45 to $211 for dogs and $49 to $67 for cats, depending on your pet's breed.
Pet age
Insurance costs increase as pets age since they become more susceptible to health issues and accidents. In Kansas, annual premiums range from $205 for young pets to $2,021 for senior pets, assuming all other factors remain constant.
Location
Your location affects pet insurance costs through factors like local veterinary prices and regional health risks. Kansas pet insurance rates are $32 lower than the national average for cats and $59 lower for dogs annually. Rates remain fairly consistent across cities in Kansas.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects how much claims cost and ultimately impacts your premiums.
Average Kansas Pet Insurance Costs by Coverage
In Kansas, your choice of coverage level is the biggest factor in determining pet insurance costs, with monthly premiums ranging from $17 to $437 depending on your selected benefits and type of pet.
The table below shows comprehensive accident and illness coverage rates. Individual rates may vary significantly based on your pet's specific health history, your chosen veterinarian and other factors.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $42 | $497 | -9% |
| Dog | $82 | $981 | -9% |
Average Kansas Pet Insurance Cost by Breed
Pet type and breed significantly influence insurance rates, with monthly costs varying dramatically based on your animal's genetics. National data shows pet insurance premiums range from $45 to $211 per month across different cat and dog breeds.
Average Pet Dog Insurance Costs in Kansas
Based on our analysis, your dog's breed significantly impacts pet insurance rates in Kansas, with monthly premiums ranging from $45 for small mixed breeds to $211 for Bull Mastiffs. Check the table below to find specific insurance costs for your four-legged friend's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $91 | $1,091 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in Kansas
Our research shows monthly cat insurance rates in Kansas vary significantly by breed, with costs ranging from $49 for Domestic Shorthairs to $67 for Abyssinians, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $67 | $798 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Kansas Pet Insurance Cost by Age
A pet's age is one of the top three factors that determine insurance costs in Kansas, with annual premiums ranging from $205 to $2,021 per year based on how old your pet is and their increased health risks over time. Here's a detailed breakdown of age-based insurance costs:
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Pet Type:Cat
| Under 1 | $17 | $205 |
| 1 | $19 | $224 |
| 2 | $20 | $240 |
| 3 | $22 | $262 |
| 4 | $24 | $286 |
| 5 | $26 | $311 |
| 6 | $28 | $337 |
| 7 | $39 | $463 |
| 8 | $33 | $396 |
| 9 | $36 | $436 |
| 10 | $41 | $485 |
| 11 | $45 | $543 |
| 12 | $51 | $611 |
| 13 | $55 | $656 |
| 14 | $61 | $730 |
| 15 | $67 | $806 |
| 16 | $74 | $890 |
| 17 | $76 | $905 |
| 18 | $83 | $998 |
| 19 | $91 | $1,087 |
| 20 | $98 | $1,175 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Kansas Pet Insurance Cost by City
Our analysis shows location plays a very small role in Kansas pet insurance costs, with prices varying by just a few dollars between cities across Kansas. Take a look at the table below to see how rates compare in your area.
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Pet Type:Cat
| Kansas City | $26 | $315 |
| Overland Park | $26 | $316 |
| Wichita | $26 | $315 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Kansas
Our simple step-by-step guide shows you how to find the best pet insurance coverage at the lowest price for your furry family member.
- 1
Determine Your Coverage Needs
Before buying pet insurance, you have to find out how much coverage you need that works for both your pet and budget. Consider your financial limits, common health issues for your pet's breed, and typical veterinary costs in your area.
- 2
Research Costs and Discounts
Look into average pet insurance costs for your specific pet type and desired coverage level. While pet insurance offers fewer discounts than other insurance types, you can often save money through multi-pet policies or by bundling with other insurance products.
- 3
Evaluate Company Reputations
Investigate customer reviews and experiences on trusted forums to understand real-world experiences with different providers. Pay close attention to coverage details, waiting periods, and claims processes to ensure the insurance company can meet your specific needs.
- 4
Compare Multiple Quotes
Get quotes from several pet insurance providers to ensure you're getting the best value. Most companies offer instant online quotes for cats and dogs, though exotic pet owners will need to contact providers directly for specialized coverage options.
- 5
Review Policy Details
Read the fine print of any policy you're considering. Focus on understanding deductibles, reimbursement rates, and annual coverage limits. Make sure you're clear about what conditions are excluded and how pre-existing conditions are defined.
Average Pet Insurance Cost in Kansas: Bottom Line
Pet insurance in Kansas costs less than most states. Expect to pay around $26 monthly for cats and $48 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want the best rates? Compare quotes from several insurers before you commit.
Pet Insurance Cost in Kansas: FAQ
Find expert answers to common questions about pet insurance costs in Kansas below:
How much does pet insurance cost in Kansas?
Dog insurance in Kansas averages $48 monthly, with age-based rates ranging from $30 to $169 per month. Cat insurance costs an average of $26 monthly, with age-dependent rates varying from $17 to $98 per month.
Is Kansas pet insurance expensive?
Kansas pet insurance runs below the national average, with costs lower than most states across the country.
How should I go about buying pet insurance in Kansas?
To buy pet insurance in Kansas, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details, and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Kansas
All costs in this article are based on or modified from the following profile:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- For dogs: Labrador Retriever (6 years old)
- For cats: Ragdoll (7 years old)
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.