Lemonade leads Kentucky pet insurance for both dogs and cats, topping our analysis in both categories. AKC, Pumpkin and Rainwalk offer strong alternatives with impressive ratings.
Best Pet Insurance in Kentucky
Updated: November 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers Kentucky's best pet insurance with plans starting at $7 monthly. Competitive pricing meets excellent customer service.
Lemonade charges Kentucky pet owners the lowest rates for dogs at $41 monthly. Pumpkin offers the cheapest cat coverage at $17.
Compare multiple providers to match coverage with your pet's needs and budget.
Best Pet Insurance Companies in Kentucky
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $41 |
| AKC | 4.40 | $52 |
| Rainwalk | 4.30 | $52 |
| Pets Best | 4.20 | $49 |
| Spot | 3.85 | $56 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$41Average Monthly Rate for Cats
$20Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
AKC leads pet insurance rankings for most Kentucky dog breeds. Lemonade and Rainwalk top certain breeds. Here are the best companies for your dog:
Data filtered by:
Affenpinscher
| Rainwalk | 4.4 | $36 |
| AKC | 4.35 | $45 |
| Pets Best | 4.35 | $22 |
| Lemonade | 4.3 | $25 |
| Spot | 4 | $40 |
Best Pet Insurance by Cat Breed
Rainwalk and AKC lead the best pet insurance rankings for most cat breeds in Kentucky, offering comprehensive coverage and strong customer experiences. Here are the companies that are best for your specific cat breed in the state.
Data filtered by:
Abyssinian
| Rainwalk | 4.5 | $26 |
| AKC | 4.5 | $34 |
| Lemonade | 4.35 | $20 |
| Pets Best | 4.3 | $26 |
| Spot | 4.2 | $26 |
Cheapest Pet Insurance in Kentucky
In Kentucky, Lemonade offers the cheapest dog insurance at $41 per month or $490 per year. For cats, Pumpkin provides the most affordable coverage at $17 monthly or $205 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $41 | $490 | -32% |
| ASPCA | $48 | $580 | -19% |
| Pets Best | $49 | $596 | -17% |
| Pumpkin | $50 | $597 | -17% |
| Hartville | $52 | $625 | -13% |
| AKC | $52 | $622 | -13% |
| Figo | $52 | $630 | -12% |
| Rainwalk | $52 | $630 | -12% |
| Met Life | $54 | $648 | -10% |
| Spot | $56 | $674 | -6% |
| Liberty Mutual | $70 | $843 | 18% |
| Embrace | $74 | $892 | 24% |
| Fetch | $83 | $999 | 39% |
| Nationwide | $98 | $1,178 | 64% |
Cheapest Kentucky Pet Insurance by Dog Breed
In Kentucky, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs across multiple breeds, with rates starting at $13 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $22 | $266 | -51% |
| Lemonade | $25 | $300 | -45% |
| Pumpkin | $30 | $355 | -35% |
| ASPCA | $34 | $406 | -26% |
| Rainwalk | $36 | $425 | -22% |
Cheapest Kentucky Pet Insurance by Cat Breed
In Kentucky, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable coverage across cat breeds. Rates start at $12 per month for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $20 | $239 | -56% |
| Hartville | $24 | $292 | -47% |
| Pets Best | $26 | $309 | -44% |
| Rainwalk | $26 | $312 | -43% |
| Spot | $26 | $315 | -43% |
How Much Is Pet Insurance in Kentucky?
Kentucky pet insurance costs around $71 monthly for dogs and $37 for cats. These rates are notably affordable, with dog insurance running 21% below the national average and cat coverage costing 20% less than typical U.S. rates.
Data filtered by:
$5,000
$500
80%
| Cat | $37 | $438 | -20% |
| Dog | $71 | $857 | -21% |
How to Get the Best Cheap Pet Insurance in Kentucky
Kentucky's best cheap pet insurance takes research. Find coverage matching your needs:
- 1Evaluate Your Pet's Coverage Needs First
List your pet's specific health risks and needed care types. Ask your vet about common health issues for your pet's breed to determine appropriate coverage levels.
- 2Look for Available Insurance Discounts
Many insurers discount multi-pet plans and annual payments. Check if your employer or membership organizations offer additional discounts.
- 3Check Insurance Company Track Records
Review customer feedback and claim payment histories from different providers. Find providers with strong customer service and prompt claim processing reputations.
- 4Get Multiple Insurance Quotes
Request quotes from at least three companies with similar coverage levels. Compare deductibles, coverage limits and exclusions.
- 5Review Your Policy Annually
Rates increase as pets age or when you file claims. Compare new quotes annually at renewal to confirm you're getting the best available rate.
Best Pet Insurance in Kentucky: Bottom Line
Lemonade ranks as our top Kentucky pick for pet insurance quality. Lemonade and Pumpkin offer the most affordable coverage, depending on your pet type. These providers stand out in our research, but the right choice depends on your pet's needs and budget. Compare options and coverage details before deciding.
Pet Insurance in Kentucky: FAQ
We answer common questions about Kentucky pet insurance:
What are the best pet insurance companies in Kentucky?
Pet owners in Kentucky have excellent insurance options. Leading providers include Lemonade, AKC, Pumpkin and Rainwalk as top-rated companies in the state.
Which company has the cheapest pet insurance in Kentucky?
Pumpkin and Lemonade offer the most competitive pet insurance rates in Kentucky. Monthly premiums start at $41 for dogs and $17 for cats.
How much is pet insurance in Kentucky?
In Kentucky, pet insurance costs around $438 annually for cats and $857 for dogs. Annual premiums across the state can range from $54 to $10,571, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers for competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Kentucky
Kentucky pet owners need affordable coverage that protects against breed-specific health issues and veterinary costs in the state. We designed our research to find insurers offering the best combination of low premiums, responsive service and comprehensive coverage for Kentucky's most common pet breeds.
Our research approach: We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Kentucky residents using a standard profile: $5,000 annual limit, 80% reimbursement, $500 deductible, a 6-year-old Labrador Retriever (for dogs) and a 7-year-old Ragdoll (for cats).
Why this profile matters for Kentucky pet owners: We used a $5,000 annual limit (covering most routine and emergency care costs), 80% reimbursement (balancing affordable premiums with meaningful claim payouts), a $500 deductible (manageable for most Kentucky pet owners while keeping monthly costs down), a 6-year-old Labrador Retriever (one of Kentucky's most popular breeds and middle-aged for moderate premium rates) and a 7-year-old Ragdoll (a popular cat breed at an age where health issues begin appearing). This profile represents typical Kentucky pet owners seeking comprehensive protection without paying for unlimited coverage.
We weighted affordability at 50% because premiums are the biggest factor for Kentucky pet owners managing veterinary costs. We used proprietary quote data for all combinations of coverage, pet ages and breeds owned in the U.S. to compare affordability scores for all providers. We considered discounts and how each company calculates them into your premium.
Customer experience counted for 30% because Kentucky pet owners need responsive service when filing claims for injuries or illnesses. We used customer ratings from across the internet, industry scores from reliable agencies like AM Best and Reddit comment sentiment for companies.
Coverage options made up 20% to reward insurers offering flexibility for different pet needs. We considered all terms, add-ons and inclusions when determining this score. We gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
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.
sources
- Trustpilot. "Lemonade Reviews." Accessed July 30, 2025.