Based on our survey of major insurers, pet insurance costs average $278 annually for cats and $507 for dogs in Kentucky, 20% and 21% lower than the national average. Your pet's breed and age, along with your chosen coverage, affect your prices.
How Much Is Pet Insurance in Kentucky?
Updated: December 22, 2025
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Key Takeaways
Based on our survey of major pet insurance providers, Kentucky dog insurance averages $42 per month ($507 per year), while cat insurance averages $23 per month ($278 per year).
Compared to the national average, pet insurance costs in Kentucky are 21% lower for dogs and 20% lower for cats.
Find the best cheap pet insurance in Kentucky by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Kentucky?
| Cat | $23 | $278 |
| Dog | $42 | $507 |
*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.
Our guides below can help you better understand the best pet insurance in Kentucky across different situations:
What Factors Affect Pet Insurance Costs in Kentucky?
Several factors determine your pet insurance costs in Kentucky, from your pet's age and breed to your chosen coverage level.
Coverage level
Your chosen deductible, annual limit and reimbursement rate affect pet insurance costs the most. Our baseline accident-only rates (shown in the main cost table) average $278 to $507 annually in Kentucky, while comprehensive accident and illness coverage ranges from $438 to $857 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed affects rates. Dogs cost more than cats due to higher claim risks, and certain breeds have genetic predispositions that raise premiums.
Monthly costs range from $39 to $186 for dogs and $44 to $61 for cats, depending on breed.
Pet age
Insurance costs increase as pets age because they're more prone to health issues and accidents. In Kentucky, annual premiums range from $180 for young pets to $1,763 for senior pets, assuming all other factors remain constant.
Location
Location affects premiums through factors like local veterinary costs and regional health risks. Kentucky pet insurance rates are $69 lower for cats and $132 lower for dogs compared to national averages. Costs remain consistent across Kentucky cities.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and impacts your premiums.
Average Kentucky Pet Insurance Costs by Coverage
Your coverage choice affects what you pay most. Kentucky monthly prices range from $15 to $381, depending on pet type and coverage level.
The table shows comprehensive accident and illness coverage rates. Your actual rates vary based on your pet's health history, your veterinarian and factors like deductibles and annual limits.
Data filtered by:
$5,000
80%
$500
| Cat | $37 | $438 | -20% |
| Dog | $71 | $857 | -21% |
Average Kentucky Pet Insurance Cost by Breed
Pet type and breed affect insurance costs, with monthly premiums varying based on your animal's characteristics. Monthly pet insurance rates range from $39 to $186 across different breeds of cats and dogs, according to national data.
Average Pet Dog Insurance Costs in Kentucky
Your dog's breed affects pet insurance rates. Monthly costs in Kentucky range from $39 for small mixed breeds to $186 for Bullmastiffs.
Data filtered by:
Select
| Affenpinscher | $85 | $1,017 |
| Afghan Hound | $100 | $1,195 |
| Airedale Terrier | $106 | $1,275 |
| Akita | $109 | $1,301 |
| Alaskan Husky | $87 | $1,043 |
| Alaskan Malamute | $102 | $1,227 |
| Alsatian | $114 | $1,374 |
| Alsation | $107 | $1,284 |
| American Bulldog | $142 | $1,707 |
| American Bully | $132 | $1,587 |
| American Eskimo | $74 | $889 |
| American Foxhound | $85 | $1,017 |
| American Hairless Terrier | $72 | $867 |
| American Staffordshire Terrier | $116 | $1,394 |
| Australian Cattle Dog | $82 | $983 |
| Australian Kelpie | $87 | $1,049 |
| Australian Shepherd | $70 | $841 |
| Australian Silky Terrier | $72 | $865 |
| Australian Terrier | $77 | $923 |
| Basenji | $74 | $884 |
| Basset Fauve de Bretagne | $96 | $1,145 |
| Basset Hound | $118 | $1,409 |
| Beagle | $87 | $1,049 |
| Bearded Collie | $81 | $971 |
| Belgian Shepherd Malinois | $97 | $1,170 |
| Bernese Mountain Dog | $191 | $2,289 |
| Bichon Frise | $78 | $936 |
| Bloodhound | $137 | $1,641 |
| Border Collie | $73 | $877 |
| Border Terrier | $77 | $925 |
| Borzoi | $118 | $1,413 |
| Boston Terrier | $83 | $997 |
| Boxer | $137 | $1,645 |
| Bracco Italiano | $97 | $1,159 |
| Briard | $103 | $1,234 |
| British Bulldog | $166 | $1,990 |
| Brussels Griffon | $81 | $965 |
| Bullmastiff | $189 | $2,277 |
| Bull Mastiff | $195 | $2,347 |
| Bull Terrier | $116 | $1,391 |
| Cairn Terrier | $82 | $982 |
| Cane Corso | $158 | $1,894 |
| Caucasian Shepherd Dog | $145 | $1,745 |
| Cavachon | $66 | $793 |
| Cavalier King Charles Spaniel | $88 | $1,053 |
| Cavapoo | $63 | $764 |
| Central Asian Shepherd Dog | $129 | $1,544 |
| Chihuahua | $55 | $656 |
| Chow Chow | $103 | $1,229 |
| Clumber Spaniel | $107 | $1,289 |
| Cockapoo | $62 | $742 |
| Cocker spaniel | $94 | $1,121 |
| Collie | $89 | $1,071 |
| Corgi | $100 | $1,201 |
| Coton De Tulear | $71 | $850 |
| Dachshund | $72 | $861 |
| Dalmatian | $115 | $1,379 |
| Dingo | $74 | $886 |
| Doberman Pincher | $134 | $1,610 |
| Doberman Pinscher | $186 | $2,237 |
| Dogue de Bordeaux | $193 | $2,313 |
| English Bulldog | $172 | $2,070 |
| English Foxhound | $82 | $985 |
| English Mastiff | $174 | $2,087 |
| English Pointer | $97 | $1,159 |
| English Setter | $95 | $1,133 |
| English Springer Spaniel | $88 | $1,055 |
| English Toy Terrier | $74 | $891 |
| Estrela Mountain Dog | $121 | $1,449 |
| Field Spaniel | $89 | $1,073 |
| Finnish Lapphund | $83 | $998 |
| Foxhound | $87 | $1,036 |
| Fox Terrier | $76 | $916 |
| French Bulldog | $153 | $1,841 |
| German Pinscher | $80 | $959 |
| German Shepherd | $100 | $1,202 |
| German Shorthaired Pointer | $91 | $1,089 |
| German Spitz | $87 | $1,040 |
| Giant Mix (100 pounds+) | $94 | $1,125 |
| Giant Mix (110 pounds+) | $88 | $1,063 |
| Giant Mix (111 pounds+) | $81 | $972 |
| Giant Mix (90 pounds+) | $119 | $1,426 |
| Goldendoodle | $77 | $922 |
| Golden Retriever | $104 | $1,252 |
| Gordon Setter | $118 | $1,410 |
| Great Dane | $174 | $2,082 |
| Great Pyrenees | $117 | $1,402 |
| Greyhound | $114 | $1,371 |
| Groodle | $69 | $832 |
| Harrier | $90 | $1,080 |
| Havanese | $64 | $767 |
| Hungarian Vizsla | $111 | $1,339 |
| Husky | $77 | $923 |
| Icelandic Sheepdog | $85 | $1,018 |
| Irish Setter | $102 | $1,221 |
| Irish Terrier | $84 | $1,001 |
| Italian Greyhound | $83 | $993 |
| Italian Spinone | $95 | $1,134 |
| Jack Russell Terrier | $62 | $743 |
| Japanese Chin | $72 | $867 |
| Japanese Spitz | $72 | $867 |
| Kangal Shepherd Dog | $157 | $1,881 |
| Keeshond | $91 | $1,092 |
| Komondor | $111 | $1,326 |
| Labradoodle | $77 | $920 |
| Labrador Retriever | $99 | $1,192 |
| Large Mix (51-100 pounds) | $81 | $976 |
| Large Mix (51-110 pounds) | $75 | $895 |
| Large Mix (55-90 pounds) | $83 | $998 |
| Large Mix (60-109 pounds) | $88 | $1,063 |
| Large Mix (61+ pounds) | $82 | $979 |
| Large Mix (71+ pounds) | $147 | $1,760 |
| Large Mix (Over 70 pounds) | $81 | $973 |
| Lhasa Apso | $71 | $853 |
| Lurcher | $116 | $1,390 |
| Maltese | $70 | $836 |
| Maltipoo | $58 | $694 |
| Medium Mix (20-55 pounds) | $64 | $780 |
| Medium Mix (20-70 pounds) | $68 | $819 |
| Medium Mix (21-70 pounds) | $153 | $1,832 |
| Medium Mix (23-70 pounds) | $82 | $980 |
| Medium Mix (26-50 pounds) | $68 | $816 |
| Medium Mix (26-59 pounds) | $88 | $1,063 |
| Medium Mix (31-50 pounds) | $68 | $820 |
| Medium Mix (31-59 pounds) | $67 | $807 |
| Miniature Bull Terrier | $116 | $1,400 |
| Miniature Dachshund | $76 | $908 |
| Miniature Fox Terrier | $80 | $963 |
| Miniature Pinscher | $72 | $856 |
| Miniature Poodle | $66 | $785 |
| Miniature Schnauzer | $77 | $924 |
| Mixed Breed | $87 | $1,052 |
| Mixed Breed Giant (>90 lbs) | $124 | $1,490 |
| Mixed Breed Large (51-90 lbs) | $82 | $977 |
| Mixed Breed Medium (31-50 lbs) | $61 | $728 |
| Mixed Breed Small (>10 lbs) | $51 | $605 |
| Mixed Breed Small (11-30 lbs) | $52 | $635 |
| Mixed breed Small (up to 20lbs when full grown) | $49 | $588 |
| Mixed Dog (21-50 pounds) | $72 | $865 |
| Mixed Dog (51-90 pounds) | $87 | $1,038 |
| Mixed Dog (91 pounds+) | $91 | $1,094 |
| Morkie | $59 | $715 |
| Newfoundland | $165 | $1,986 |
| Norfolk Terrier | $81 | $973 |
| Norwegian Elkhound | $84 | $1,015 |
| Norwich Terrier | $79 | $952 |
| Olde English Bulldogge | $183 | $2,202 |
| Old English Buldogge | $149 | $1,783 |
| Old English Sheepdog | $108 | $1,293 |
| Papillon | $69 | $834 |
| Pekingese | $76 | $910 |
| Pembroke Welsh Corgi | $89 | $1,061 |
| Peruvian Hairless Dog | $77 | $917 |
| Petit Basset Griffon Vendeen | $112 | $1,343 |
| Petit Basset Griffon Vendeens | $84 | $1,013 |
| Pitbull | $110 | $1,325 |
| Pointer | $90 | $1,081 |
| Pomeranian | $72 | $865 |
| Portuguese Water Dog | $100 | $1,199 |
| Pug | $91 | $1,085 |
| Puggle | $66 | $785 |
| Puli | $94 | $1,125 |
| Rhodesian Ridgeback | $116 | $1,389 |
| Rottweiler | $172 | $2,058 |
| Rough Collie | $95 | $1,145 |
| Saint Bernard | $183 | $2,192 |
| Saluki | $98 | $1,171 |
| Samoyed | $93 | $1,112 |
| Schnoodle | $67 | $801 |
| Scottish Deerhound | $141 | $1,686 |
| Scottish Terrier | $96 | $1,155 |
| Shar Pei | $149 | $1,794 |
| Shetland Sheepdog | $74 | $892 |
| Shiba Inu | $66 | $797 |
| Shih Tzu | $60 | $720 |
| Siberian Husky | $81 | $967 |
| Small Mix (0-20) | $48 | $576 |
| Small Mix (0-25) | $88 | $1,063 |
| Small Mix (10 and less pounds) | $48 | $574 |
| Small Mix (1-10 pounds) | $49 | $592 |
| Small Mix (11-25) | $47 | $565 |
| Small Mix (11-30) | $56 | $670 |
| Small Mix (20 and under pounds) | $118 | $1,413 |
| Small Mix (22 pounds or less) | $59 | $708 |
| Small Mix (25 and less pounds) | $57 | $677 |
| Small Mix (Under 20 pounds) | $41 | $493 |
| Smooth Collie | $92 | $1,103 |
| Soft Coated Wheaten Terrier | $91 | $1,086 |
| Staffordshire Bull Terrier | $100 | $1,198 |
| Standard Poodle | $96 | $1,152 |
| Standard Schnauzer | $86 | $1,030 |
| Tibetan Mastiff | $163 | $1,957 |
| Tibetan Terrier | $92 | $1,103 |
| Toy Mix (10 and less pounds) | $61 | $730 |
| Toy Poodle | $68 | $815 |
| Vizsla | $97 | $1,168 |
| Weimaraner | $118 | $1,420 |
| Welsh Corgi Cardigan | $86 | $1,031 |
| Welsh Corgi Pembroke | $89 | $1,061 |
| Welsh Springer Spaniel | $78 | $937 |
*These rates are for policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Kentucky
Cat insurance costs in Kentucky range from $44 monthly for domestic shorthairs to $61 for Abyssinians, depending on breed.
Data filtered by:
Select
| Abyssinian | $64 | $763 |
| Australian Mist | $58 | $698 |
| Balinese | $59 | $701 |
| Bengal | $55 | $659 |
| Birman | $52 | $624 |
| Bombay | $47 | $561 |
| British Longhair | $47 | $560 |
| British Shorthair | $57 | $684 |
| Burmese | $53 | $641 |
| Chinchilla | $53 | $635 |
| Cornish Rex | $57 | $682 |
| Devon Rex | $53 | $636 |
| Domestic Shorthair | $46 | $558 |
| Exotic Shorthair | $64 | $763 |
| Himalayan | $54 | $650 |
| Maine Coon | $61 | $736 |
| Munchkin | $53 | $639 |
| Norwegian Forest cat | $51 | $614 |
| Persian | $57 | $686 |
| Ragdoll | $48 | $574 |
| Russian Blue | $49 | $584 |
| Savannah | $57 | $689 |
| Scottish Fold | $55 | $654 |
| Serengeti | $54 | $646 |
| Siamese | $48 | $575 |
| Siberian | $57 | $687 |
| Snowshoe | $55 | $663 |
| Sphynx | $61 | $733 |
| Tonkinese | $52 | $622 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Kentucky Pet Insurance Cost by Age
Age ranks as the third most important factor affecting pet insurance costs in Kentucky, with annual costs ranging from $180 to $1,763 depending on the pet's age and type. Review the table below to see how insurance costs increase as pets get older due to higher health risks.
Data filtered by:
Cat
| Under 1 | $15 | $180 |
| 1 | $16 | $196 |
| 2 | $18 | $211 |
| 3 | $19 | $232 |
| 4 | $21 | $251 |
| 5 | $23 | $274 |
| 6 | $25 | $297 |
| 7 | $34 | $405 |
| 8 | $29 | $350 |
| 9 | $32 | $384 |
| 10 | $36 | $427 |
| 11 | $40 | $478 |
| 12 | $45 | $537 |
| 13 | $48 | $578 |
| 14 | $54 | $643 |
| 15 | $59 | $710 |
| 16 | $65 | $784 |
| 17 | $67 | $798 |
| 18 | $73 | $876 |
| 19 | $80 | $953 |
| 20 | $86 | $1,028 |
*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 Kentucky Pet Insurance Cost by City
Location within Kentucky has minimal impact on rates. City-to-city differences average only a few dollars annually. Costs for Kentucky's major cities:
Data filtered by:
Cat
| Bowling Green | $23 | $276 |
| Lexington | $23 | $280 |
| Louisville | $23 | $278 |
*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 Kentucky
Follow these steps to find quality pet insurance coverage at the best price in Kentucky.
- 1Assess your coverage needs
Determine how much coverage you need based on your pet, budget and financial limits. Factor in common health issues for your pet's breed and typical vet costs in your area.
- 2Research costs and discounts
Compare average pet insurance costs for your pet type and coverage level. Pet insurance offers fewer discounts than other insurance types, but you can save through multi-pet policies or bundling with other insurance products. Check if you qualify for low-income pet insurance programs.
- 3Evaluate provider reputations
Research customer reviews on pet insurance forums. Pay attention to coverage details, waiting periods and claims processes to find a provider that meets your needs.
- 4Compare multiple quotes
Get quotes from at least three pet insurance providers to compare prices and coverage. Most companies offer instant online quotes for cats and dogs. Exotic pet owners will need to contact providers directly for specialized coverage.
- 5Review policy details
Read the fine print of any policy you're considering. Understand coverage exclusions, waiting periods, pre-existing condition clauses and renewal terms.
Average Pet Insurance Cost in Kentucky: Bottom Line
Pet insurance in Kentucky costs less than most states. Expect to pay $23 monthly for cats and $42 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 Kentucky: FAQ
Expert answers to common questions about pet insurance costs in Kentucky:
How much does pet insurance cost in Kentucky?
In Kentucky, dog insurance averages $42 per month, with age-based monthly costs ranging from $26 to $147. Cat insurance costs $23 monthly on average, with age-based rates ranging from $15 to $86.
Is Kentucky pet insurance expensive?
Kentucky pet insurance runs well below the national average, ranking among the most affordable states for coverage.
How should I go about buying pet insurance in Kentucky?
To buy pet insurance in Kentucky, 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 Kentucky
Kentucky pet owners deal with a balancing act: finding coverage that protects against expensive vet bills without breaking the budget. We designed our research to show what pet insurance actually costs for middle-ground coverage — comprehensive enough to handle serious health issues but affordable enough for most households.
Coverage Profile
We gathered quotes using coverage levels that work for most pet owners:
- $5,000 annual limit: Covers most health emergencies and chronic conditions without the premium prices of unlimited plans
- 80% reimbursement: The most popular choice among pet owners—you pay 20% of covered costs after meeting your deductible
- $500 deductible: Balances affordable monthly premiums with manageable out-of-pocket costs when filing claims
Sample Pets
Our rate comparisons use common breeds at ages when health issues start appearing:
- Dogs: 6-year-old Labrador Retriever (Kentucky's most popular breed and a moderate insurance risk)
- Cats: 7-year-old Ragdoll (a popular purebred with typical health concerns)
These profiles reflect real Kentucky pet owners' situations. Your actual rates will vary based on your pet's breed, age and health history, but these samples provide a reliable baseline for comparison shopping.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.