Lemonade is the best pet insurance company for dogs and cats in Kentucky, leading our analysis with top scores across both categories. Pet owners looking for strong alternatives can consider AKC, Pumpkin and Rainwalk, which all earned impressive ratings in our evaluation.
Best Pet Insurance in Kentucky
Updated: September 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance in Kentucky, with plans starting at $7 monthly. It combines competitive pricing with excellent customer service.
For Kentucky pet owners, Lemonade provides the cheapest pet insurance for dogs at $41 per month, while Pumpkin offers the lowest cat rates at $17.
Compare multiple insurance providers to find coverage that matches your pet's needs and your budget while considering both price and coverage options.
Best Pet Insurance Companies in Kentucky
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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 Options
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
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Kentucky, while Lemonade and Rainwalk are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed: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 dominate the best pet insurance rankings for most cat breeds in Kentucky, offering comprehensive coverage and strong customer experiences. Below, you can review which companies are best for your specific cat breed in the state.
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Breed: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.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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.
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Breed: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.
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Breed: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.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $37 | $438 | -20% |
| Dog | $71 | $857 | -21% |
How to Get the Best Cheap Pet Insurance in Kentucky
Finding the best cheap provider and coverage plan in Kentucky can be difficult. Here's how to find the best pet insurance for your needs:
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Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health risks and the types of care they might need. Talk with your vet about common health issues for your pet's breed to determine appropriate coverage levels.
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Look for Available Insurance Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Check if you qualify for additional discounts through your employer or membership organizations.
- 3
Check Insurance Company Track Records
Review customer feedback and claim payment histories of different pet insurance providers. Focus on providers with strong reputations for customer service and prompt claim processing.
- 4
Get Multiple Insurance Quotes
Request quotes from at least three pet insurance companies with similar coverage levels. When reviewing quotes, compare deductibles, coverage limits and exclusions.
- 5
Review Your Policy Annually
Pet insurance rates often increase as pets age or if you file claims. Compare new quotes each year at renewal time to ensure you're still getting the best available rate.
Best Pet Insurance in Kentucky: Bottom Line
Lemonade is our top pick for pet insurance quality in Kentucky, while both Lemonade and Pumpkin offer the most affordable coverage, depending on your pet type. While these providers stand out in our research, the right choice depends on your pet's needs and your budget. Compare options and coverage details before making your decision.
Pet Insurance in Kentucky: FAQ
Here are answers to frequently asked questions about Kentucky pet insurance:
What are the best pet insurance companies in Kentucky?
Pet owners in Kentucky have excellent insurance options available. 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 to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Kentucky
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Kentucky residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): 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 also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed July 30, 2025.