Getting the best pet insurance in Kansas helps you with the financial costs associated with pet care. It provides your pets with the best coverage when they’re sick or injured and gives them the chance to live a long healthy life by allowing you to afford to provide them with the necessary care and treatment.
MoneyGeek gathered data from the state’s top cities, including Wichita, Overland Park, and Kansas City, to find the average cost of pet insurance in Kansas. We also listed the best pet insurance companies in Kansas with the most comprehensive list of benefits and cheapest rates.
The Best Pet Insurance Companies in Kansas
To find the best pet insurance in Kansas, MoneyGeek analyzed hundreds of pet insurance quotes in Kansas from numerous providers, documenting their policy and coverage details. Comparing each policy helps us find the best choice for different needs and requirements.
The cost of pet insurance in Kansas is based on factors like your pet’s breed, age and medical history, in addition to your preferred plan and coverage. Therefore, a personalized quote from these companies will give you a much better idea of how much you need to pay for insurance. It’ll also give you an idea of how much you can save.
Best Overall Pet Insurance in Kansas for Your Pet

pros
Customizable plans
Comprehensive accident and illness plans
24/7 helpline
cons
Only two annual limit options
COMPANY HIGHLIGHTS
Pets Best is MoneyGeek’s top pick for the best overall pet insurance company in Kansas, with affordable premiums and customizable plans. The average cost of a policy from Pets Best is $25.55 per month.
Pets Best has a choice of two annual coverage limit options: $5,000 and unlimited. The deductibles range from $50 to $1000, and reimbursement levels are between 70% and 90%. Depending on your budget, you can choose a high deductible to lower your monthly premiums or a lower deductible, but you’ll pay more each month.
The pet insurance plans from Pets Best cover accidents, illnesses, surgeries, cancers and more. They also offer wellness coverage for routine care in addition to specialized coverage plans.
That limited choice of annual coverage limit can be a drawback, however. The lower coverage may not provide you with enough financial protection in the event of an emergency, but you may not want to pay for unlimited coverage. Most other pet insurance companies in Kansas provide lower and mid-range coverage options.
Best Pet Insurance Company in Kansas: Unlimited Coverage

pros
Maximum annual limit options
Covers periodontal disease, if certain conditions are met
Covers lab tests, MRIs, CAT scans and X-rays
cons
Routine care requires add-on coverage
COMPANY HIGHLIGHTS
The best pet insurance company in Kansas for unlimited coverage is Pets Best. The insurer offers a policy with unlimited coverage at $32.33 per month on average.
Pets Best insurance pays for medical costs related to accidents and illnesses, including lab tests, MRIs, and other diagnostic procedures. Most plans cover the exam fees when your pet is seen for covered accidents and illnesses. Similarly, most plans include coverage for acupuncture and chiropractic treatments.
However, if you want to have some preventive or routine care for your pet covered, you need to add an optional wellness plan at an additional cost.
Although Pets Best has no upper age limit, it’s always recommended to get pet insurance as early as possible since premiums increase over time as the pet ages. Insurance for younger pets is significantly lower than coverage for older pets, and Pets Best does not reduce or cancel coverage based on your pet’s age.
Best Pet Insurance Company in Kansas: Affordable Coverage

pros
No network limitations
Paying your premium annually gives you a small discount
Optional vet direct pay
cons
Regular vet visits are not covered
Transaction fees every time you pay your monthly premium
COMPANY HIGHLIGHTS
It can be challenging to find comprehensive coverage for your pet at an affordable monthly premium. Pets Best offers a plan with $5,000 annual maximum coverage that costs $18.77 per month on average. This is the most affordable pet insurance in Kansas.
A policy from Pets Best covers your pet for any accidents and illnesses, including hereditary and congenital conditions. There are no network limitations, which means you can visit any licensed veterinarian, specialist or emergency clinic. However, routine care coverage is not included in any of the insurer’s regular plans, so you must add one of their wellness plans to help pay for spays, neuter, blood work, vaccinations and more.
To lower your out-of-pocket costs, you can pay your premiums annually. By doing so, you will not be charged Pets Best $2 processing fee each time you make a monthly premium payment. You can avoid paying the vet directly when you opt for Vet Direct Pay. The veterinarian is paid directly by Pets Best, and you don’t have to submit claims for reimbursement.
Best Pet Insurance Company in Kansas: Multiple Pets

pros
5% multi-pet discount
Covers behavior consults and medications
Covers ongoing and chronic conditions
cons
Does not cover special diet food and vitamins
Does not cover herbal, holistic and experimental therapies
COMPANY HIGHLIGHTS
The best pet insurance company in Kansas for pet owners with more than one pet is Pets Best. You can get a policy with a multi-pet discount from Pets Best at an average of $23.00 per month.
Pets Best offers a 5% multi-pet discount for every pet you insure. Because each pet has unique needs, Pets Best doesn’t require having the same plans for each of your pets. Having a customer portal online makes it easy to track all of your pets deductibles and benefit information.
Their pet helpline is also a convenient way to contact specialists in case of pet-related emergencies, such as accidentally swallowing a foreign object. If you plan to insure an older pet, note that Pets Best does not provide end-of-life coverage, although it does cover prosthetic devices and wheelchairs to treat a covered illness and euthanasia.
As you will be paying higher premiums for multiple pets, you might want to consider paying them annually to reduce your total costs. That way, you’ll avoid Pets Best’s transaction fees.
Best Pet Insurance Company in Kansas: Cats

pros
Exam fees for accidents and illnesses are covered
Re-evaluates curable pre-existing conditions
Chronic donations covered over multiple years
cons
Does not provide unlimited coverage
COMPANY HIGHLIGHTS
The best pet insurance company in Kansas for felines is Embrace. An average policy for cats from Embrace costs $15.66 per month.
Embrace’s policies cover exam fees for accidents and illnesses. While they don’t cover pre-existing conditions, the insurer distinguishes between curable and incurable conditions. If your pet is symptom-free for 12 months, Embrace will cover curable pre-existing conditions.
The company also covers behavioral therapy and training, breed-specific, genetic, and congenital conditions (including cancer treatment), in addition to complementary therapies such as chiropractic care, acupuncture and physiotherapy.
If your cat is 15 years old or older, you can not purchase full accident and illness coverage. Older pets are eligible for accident-only insurance. However, if you sign your pet up with full coverage before the age of 15, coverage is locked in for life. That full coverage will continue as long as your pet remains insured with Embrace.
Best Pets Insurance in Kansas Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallPets Best$26
- Unlimited CoveragePets Best$32
- Affordable CoveragePets Best$19
- Multiple PetsPets Best$23
- CatsEmbrace$16
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Kansas?
Your preferred coverage limit is the main factor that affects the premiums you’ll pay for your pet insurance plan. The average cost of pet insurance in Kansas for dogs is $25.80 per month for a $5,000 coverage limit, $46.46 per month for a $10,000 coverage limit and $46.32 per month for unlimited coverage. Cats are typically cheaper to insure, with an average cost of $14.01 per month for a $5,000 coverage limit, $23.17 per month for a $10,000 coverage limit and $32.27 per month for unlimited coverage.
Several other factors like your pet’s breed and age, your choice of deductible and any additional perks and benefits you select all affect the cost of pet insurance in Kansas. To know whether you can get a lower monthly premium than these averages, it’s a good idea to obtain personalized quotes from several providers.
Average Monthly Cost of Pet Insurance in Kansas
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$26$46$46
- Average Cost for a Cat$14$23$32
The average dog insurance in Kansas should have around $3,000 to $8,000 coverage limit and an 80% reimbursement rate or higher. These amounts should cover the costs of most accidents or emergencies your pet may have within a policy year at a cost-effective premium.
Compare the Cheapest Pet Insurance Quotes in Kansas
MoneyGeek helps you explore the standard pet insurance options available in Kansas, so you can make better decisions in terms of how much coverage you think your pet requires and what the cost of that coverage might be.
- Annual reimbursement limits: ranges from $3,000 to unlimited
- Deductible: usually $250 to $500, but some companies have higher or lower options
- Bill reimbursement percentage: typically 70%-90%
Some pet owners managing their monthly expenses may look for the cheapest option available and are okay with essential or accident-only coverage. Others are willing to pay more in premiums to obtain higher annual coverage limits. These policies generally are more expensive but provide you with the best financial protection and peace of mind. Still, the average pet owner may not need unlimited protection. MoneyGeek recommends the average coverage amount below to pet insurance shoppers in Kansas.
Cheapest Pet Insurance in Kansas by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$19
- $10,000Figo$37
- UnlimitedPets Best$32
If you want to pay the lowest monthly premiums possible, opt for a low annual maximum, high deductible and low reimbursement percentage. The table below shows how the rates compare if you increase your coverage limits, lower your deductibles or choose high reimbursement rates.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$19
- Pet Plan$20
- ASPCA$23
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
- Figo$37
- GEICO$40
- Embrace$40
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$32
- Healthy Paws$37
- Trupanion$38
The Best Cheap Pet Insurance by City in Kansas
Your pet insurance premium is affected by where you live in the state. This is because medical expenses and veterinary costs vary between each city, usually based on the cost of living. Traffic congestion and even weather events make a difference in how much you pay. Where the risk of your pet being hit by a car is considered high, for example, you’ll pay more for pet insurance.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Kansas City$5k: Pets Best, $19
Unlimited: Pets Best, $32
$10k: Embrace, $35 - Olathe$5k: Pets Best, $19
Unlimited: Pets Best, $32
$10k: Figo, $37 - Overland Park$5k: Pets Best, $19
Unlimited: Pets Best, $32
$10k: Figo, $37 - Topeka$5k: Pets Best, $19
Unlimited: Pets Best, $32
$10k: Figo, $37 - Wichita$5k: Pets Best, $19
Unlimited: Pets Best, $32
$10k: Figo, $37
MoneyGeek used city-based data in Kansas by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Kansas?
Pet insurance companies in Kansas consider your pet’s breed and age, preferred coverage limits, deductibles, your location, and list of coverages before calculating costs. Because each company weighs factors differently, getting a personalized quote will help you choose a policy that is within your budget and meets the coverage you want for your pet.
Annual reimbursement limits
The coverage limit is the amount that your pet insurance company will pay on your behalf in one year. Annual reimbursement limits range from $3000 to unlimited.
Deductible
A deductible is the amount you have to pay before the insurance coverage kicks in. The higher your deductible, the lower your insurance premiums.
Bill reimbursement percentage
Whenever you submit a claim, the provider pays a percentage of the total bill, usually between 70% and 90%. After your deductible, you’ll get reimbursed for the percentage you chose when you signed up for the insurance policy.
Breed
Some breeds are more expensive to insure than others. Larger breeds tend to have more issues with the ligaments, joints and bones due to their size and thus require more medical attention over their lifespan.
Animal Age
Older pets are more likely to require veterinarian care, which means you will likely pay higher premiums as your pet ages.
Location
Where you live can impact the cost of pet insurance. The cost of living in your city is a major factor, while other variables such as high traffic and congestion, and even weather-related risks, can drive up insurance premiums.
Multi-pet discounts
Most pet insurance companies offer small 5%-10% multi-pet discounts. If you plan to insure more than one pet, the discount will reduce your premiums slightly.
FAQ’s About Pet Insurance in Kansas
MoneyGeek's Rating Methodology for Pet Insurance
It is MoneyGeek’s belief that data helps all of us make better financial decisions. To help you find the most affordable pet insurance, our data team gathered thousands of pet insurance quotes across the 13 largest providers.
To determine the best pet insurance companies in Kansas, MoneyGeek analyzed each company’s product offerings and costs. For our rating score, we weighted affordability by coverage level at 50% and our 24 qualitative research policy option data points at 50%.
To determine the cheapest pet insurance companies in Kansas and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across zip codes in Kansas for four pet types with the following coverage levels:
- Low Coverage: $5,000 Coverage, $500 Deductible, 80% reimbursement
- Average Coverage: $10,000 Coverage, $250 Deductible, 80% reimbursement
- High Coverage: Unlimited Coverage, $250 Deductible, 90% reimbursement
About Mark Fitzpatrick

sources
- AVMA. "AVMA Pet Ownership and Demographic Sourcebook." Accessed December 29, 2021.
- Care Credit. "Average Costs: Veterinary Care." Accessed December 29, 2021.