6 Best Kansas (KS) Pet Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

Buying pet insurance can feel overwhelming, especially when deciphering confusing policy language and determining the best pet insurance company. As a licensed Kansas Insurance agent and lifelong pet owner, I have extensively researched pet insurance in Kansas. This article has everything you need to know, whether you live in Kansas City, Wichita, Ottawa, Mankato, Sharon Springs, or somewhere in between. Read more about our unbiased ranking methodology and advertiser disclosure.

Top KS Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best pet insurance providers in Kansas. The average monthly Kansas specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Kansas with a 66109 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 and are subject to change. For the most up-to-date information, please visit the provider website.

4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Kansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN KANSAS

$29.46/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Kansas vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Kansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN KANSAS

$37.75/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Kansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN KANSAS

$52.59/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Kansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN KANSAS

$39.07/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Kansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN KANSAS

$43.25/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a mutual insurance company supported by its members
spot pet insurance
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Kansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN KANSAS

$34.10/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

figo
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Kansas pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN KANSAS

$29.46/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Kansas vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company

How much does dog & cat insurance cost in Kansas for the 15 most popular breeds?

The price for Kansas pet insurance varies depending on where you live. To give you an idea we’ve collected prices for three cities shown below. The prices will also vary based on the age, health, and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in Kansas we suggest getting a quote directly with Figo or Embrace.

Dog Insurance Prices in Kansas:

  1. Mixed Breed
    • Orland Park – $32.45/ mo
    • Kansas City – $21.63/ mo
    • Lawrence – $25.68/ mo
  2. Labrador Retriever
    • Orland Park – $44.19/ mo
    • Kansas City – $29.46/ mo
    • Lawrence – $34.98/ mo
  3. Golden Retriever
    • Orland Park – $44.10/ mo
    • Kansas City – $29.41/ mo
    • Lawrence – $34.91/ mo
  4. German Shepherd
    • Orland Park – $47.67/ mo
    • Kansas City – $31.78/ mo
    • Lawrence – $37.73/ mo
  5. Goldendoodle
    • Orland Park – $38.37/ mo
    • Kansas City – $25.59/ mo
    • Lawrence – $30.38/ mo
  6. Chihuahua
    • Orland Park – $20.19/ mo
    • Kansas City – $13.46/ mo
    • Lawrence – $15.98/ mo
  7. Siberian Husky
    • Orland Park – $44.32/ mo
    • Kansas City – $29.55/ mo
    • Lawrence – $35.06/ mo
  8. Yorkshire Terrier
    • Orland Park – $27.86/ mo
    • Kansas City – $18.58/ mo
    • Lawrence – $22.05/ mo
  9. American Pit Bull Terrier
    • Orland Park – $49.07/ mo
    • Kansas City – $32.11/ mo
    • Lawrence – $38.82/ mo
  10. Australian Shepherd
    • Orland Park – $30.51/ mo
    • Kansas City – $20.33/ mo
    • Lawrence – $24.14/ mo
  11. Dachshund
    • Orland Park – $28.78/ mo
    • Kansas City – $19.19/ mo
    • Lawrence – $22.78/ mo
  12. Shih Tzu
    • Orland Park – $25.64/ mo
    • Kansas City – $17.10/ mo
    • Lawrence – $20.29/ mo
  13. French Bulldog
    • Orland Park – $60.68/ mo
    • Kansas City – $40.45/ mo
    • Lawrence – $48.03/ mo
  14. Boxer
    • Orland Park – $60.93/ mo
    • Kansas City – $40.62/ mo
    • Lawrence – $48.23/ mo
  15. Labradoodle
    • Orland Park – $38.37/ mo
    • Kansas City – $25.59/ mo
    • Lawrence – $30.38/ mo

Cat Insurance Prices in Kansas:

  1. Mixed Breed
    • Orland Park – $18.88/ mo
    • Kansas City – $12.59/ mo
    • Lawrence – $14.93/ mo
  2. American Shorthair
    • Orland Park – $22.30/ mo
    • Kansas City – $14.86/ mo
    • Lawrence – $17.66/ mo
  3. Bengal
    • Orland Park – $22.30/ mo
    • Kansas City – $14.86/ mo
    • Lawrence – $17.66/ mo
  4. Bombay
    • Orland Park – $22.30/ mo
    • Kansas City – $14.56/ mo
    • Lawrence – $17.66/ mo
  5. British Shorthair
    • Orland Park – $22.30/ mo
    • Kansas City – $14.86/ mo
    • Lawrence – $17.66/ mo
  6. Exotic
    • Orland Park – $22.30/ mo
    • Kansas City – $14.86/ mo
    • Lawrence – $17.66/ mo
  7. Himalayan
    • Orland Park – $22.30/ mo
    • Kansas City – $14.86/ mo
    • Lawrence – $17.66/ mo
  8. Maine Coon
    • Orland Park – $23.52/ mo
    • Kansas City – $15.59/ mo
    • Lawrence – $18.62/ mo
  9. Persian
    • Orland Park – $23.52/ mo
    • Kansas City – $15.59/ mo
    • Lawrence – $18.62/ mo
  10. Ragdoll
    • Orland Park – $23.52/ mo
    • Kansas City – $15.59/ mo
    • Lawrence – $18.62/ mo
  11. Russian Blue
    • Orland Park – $22.30/ mo
    • Kansas City – $14.86/ mo
    • Lawrence – $17.66/ mo
  12. Scottish Fold
    • Orland Park – $23.52/ mo
    • Kansas City – $15.69/ mo
    • Lawrence – $18.62/ mo
  13. Siamese
    • Orland Park – $23.52/ mo
    • Kansas City – $15.69/ mo
    • Lawrence – $18.62/ mo
  14. Sphynx
    • Orland Park – $22.45/ mo
    • Kansas City – $14.96/ mo
    • Lawrence – $17.77/ mo
  15. Abyssinian
    • Orland Park – $22.45/ mo
    • Kansas City – $14.96/ mo
    • Lawrence – $17.77/ mo

Not finding your specific pet breed? Figo pet insurance is our #1 recommendation for Kansas and they’ll be able to give you a quick quote for your exact needs.

Kansas Pet Insurance FAQs

What is pet insurance? Why is it useful in Kansas?

Protecting your pet with life insurance is easy. First, apply to get your pet covered with an insurance company, and then pay the monthly premiums to keep your policy active. If your furry friend gets ill or has an accident, you will need to cover the vet bills at the time of service. Immediately following, you can submit a claim to your insurer to get reimbursed. Remember that insurance companies usually exclude pre-existing conditions, which is one of the biggest reasons we encourage people to get their pets insured while still juveniles (8 weeks or older).

Pet insurance can be helpful in Kansas as vet bills can be painfully expensive for emergency care, such as cancer treatments that often run higher than $7,000. Uninsured pet owners sometimes have to make the heartbreaking decision to euthanize their pets because they can’t pay for the necessary treatments. Insurance eliminates the chance of such painful situations.

How old does my pet need to be to get insured?

Most pet insurance companies require that your cat or dog be at least 8 weeks old before you get them insured. (For other pets, inquire with your provider.) The upshot is that there tends to be no age limit. That said, the younger the animal, the cheaper it is to insure them. Getting your pet insured before its first birthday is the safest bet.

Is it worth getting pet insurance in Kansas?

Emergencies are inevitable in pets’ lives. In such instances, vet bills can mount quickly. Emergency trips to the vet can cost upwards of $2,000. However, you need to decide what is best for you: does paying monthly insurance premiums offset potential high out-of-pocket costs in the future?

What does pet insurance include and exclude?

Coverage for pet insurance differs from one provider to the next. In general, though, an accident or illness deemed “sudden and catastrophic” will be covered. Some such examples are bladder infections, urinary blockages, eye infections, or broken bones. Ailments that are not covered are those your pet has when applying for a policy or beforehand. These are considered pre-existing conditions and are not eligible for claim submissions. However, many providers are expanding coverage by offering “wellness” packages. These add-on options cover routine care such as heartworm prevention and treatment, physical exams, and vaccinations.

How do I get reimbursed from a pet insurance company?

For our purposes, let’s say your pet needs an emergency surgery that costs $8,000. If your insurance policy gives you a $20,000 annual maximum benefit, a 95% reimbursement amount, and a $250 deductible, you can expect them to pay $6,950 for this surgery. (($7,200 minus your deductible.) This leaves you to pay only $1,050 of the original $8,000 bill. And if you want to avoid the stress of paying those vet bills up front and waiting to be reimbursed, consider looking into Trupanion as your pet insurance provider. They pay veterinarians within their network directly so that you can focus all your energy and attention on your little pal.

Which is better: a lower or higher deductible?

This depends on personal preference and your financial circumstances. Lower deductibles usually come with higher monthly premiums. You will spend more money each month but less when there is a catastrophe. The opposite is true for higher deductibles, in which you have lower monthly payments, but higher out-of-pocket costs when there is an emergency.

Does Kansas have any restricted breeds for homeowners insurance?

Like most states, Kansas has restricted dog breeds when it comes to homeowners insurance. These may include, but are not limited to:

  • Akitas
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Great Danes
  • Bull Mastiffs
  • Pit Bull Terriers
  • Rottweilers
  • Wolf-hybrids

For other animal or breed restrictions, it is good practice to contact your home insurance provider to determine what your policy includes and excludes and if you will need a specific liability rider.

5 Useful Strategies for Keeping Your Pet Safe & Healthy in Kansas

1. Get your pet vaccinated for rabies

In Kansas, the most common carriers of rabies are skunks and bats. Since the state averages 100 cases per year, it is worth getting your pet vaccinated. The vaccine takes nearly a month to become fully active in your pet’s body, so keep this in mind concerning outdoor activity.

2. Get your pet regular flea and tick treatment

Protecting against fleas and ticks is essential for Kansans who allow their furry companions outdoors. The three most common types found in Kansas are deer, lone star, and American dog ticks. These ticks spread diseases such as Lyme, Tularemia, Ehrlichiosis, and Rocky Mountain spotted fever. Treating your pet for fleas is equally important because they can lead to tapeworm infestations, skin infections, and even anemia.

3. Protect your pet from predators

While some of Kansas’ largest predators have been extirpated, there are still plenty of foxes, coyotes, bobcats, skunks, and badgers that could cause your pets some problems. These animals are nocturnal, so it’s best not to leave your pet outdoors unsupervised from dusk to dawn when the animals mentioned above tend to be out.

4. Keep your pet hydrated

Hydration is one of the keys to keeping your pet healthy in Kansas, especially during the hotter summer months. There are two ways to keep your pet hydrated. The first is to make a clean bowl of water available to them at all times. However, the second and most effective method is to add a bit of water to their food, whether dry, canned, freshly cooked, or raw. Doing so enhances the flavor. Whatever you do, be sure not to drown the food. A combination of both techniques will ensure the best success.

5. Prepare an emergency bag

While Kansas may have one of the highest tornado rates in the entire country, it is not the only type of natural disaster Kansans have to worry about. The state experiences floods, landslides, and severe year-round storms. To prepare for such events, we recommend having “go” bag for your pet. The bag should include extra food, water, bowls, and medicine, along with a leash, litter, and a small litter box depending upon which type of animal you have. In addition, your pet’s carrier or kennel should be easily accessible and prepared with a thick blanket or cushion to keep your pet warm and comfortable. Adding a pee-pad on top is also helpful.

5 Unique Pet Rescue Shelters in Kansas

If you are looking for a new pet companion, we recommend adopting as there are plenty of animals in need of loving and responsible homes.

1. Unleashed Pet Rescue in Mission, KS

UPR is a no-kill shelter that refuses to euthanize animals, even if overcrowding is an issue. They solve this through a strong network of foster homes, ensuring every animal has a safe, comfortable place to thrive while waiting for its forever home. They also rescue animals deemed “unwanted” from high-kill shelters in the area.


2. Hutchinson Animal Shelter in Hutchinson, KS

The HAS provides a home for abandoned, neglected, abused, and homeless animals. They have foster programs outside the shelter to increase the number of animals they can assist. In addition to traditional adoption services, they have a barn cat program where you can adopt a feral or wild cat to police the mice in one of your outbuildings.


3. Prairie Paws Animal Shelter in Ottawa, KS

Prairie Paws is a beautiful no-kill animal shelter in eastern Kansas. They give all the love and care (including medical) needed to the animals in their charge. They even offer additional services, including grooming, microchipping, and cremation.


4. Clay County Animal Rescue & Education Center in Clay Center, KS

CCAR offers medical care, spaying/neutering, food, shelter, and love. It works hard to be a no-kill shelter. They rehabilitate every animal that can be. They also have an extensive trap/neuter/return (TNP) program to help reduce the feral animal population in the county over time.


5. Great Plains SPCA in Merriam, KS

98% of all animals that come through this shelter’s doors are adopted or returned to their owners. The remaining companion animals are allowed to live out their lives here. GPSPCA has cats, dogs, rabbits, guinea pigs, and other animals available for adoption.


Conclusion

As you can see, purchasing the best pet insurance for your furry friend is a lot easier than you may have thought. We always advocate for getting pet insurance once your pet is at 8-weeks or older. Of course, the earlier your pet has coverage, the better the prices and the fewer exclusions regarding pre-existing conditions. Nevertheless, buying pet insurance at any age can be very beneficial for promoting wellness and taking care of those inevitable emergencies. Our comprehensive research shows that Figo Pet Insurance consistently performs the best and offers the lowest monthly premiums.

SwiftScore Ranking Methodology for Kansas

We ranked the best pet insurance policies in Kansas based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Kansas with a 66109 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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