6 Best Kentucky (KY) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

If you’re a cat owner living in Lexington, Frankfort, or Bowling Green, this article gives you all the information you need to pick the best cat insurance policy. As a proud cat daddy and licensed insurance agent, I have researched the best policies in the Blue Grass State and passed my knowledge along to you in this article. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Kentucky (KY) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Kentucky (KY) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Kentucky (KY) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

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

STANDARD PLAN COST FOR KENTUCKY (KY) CATS

$14.73/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR KENTUCKY (KY) CATS

$14.10/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Kentucky (KY) Cat 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
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR KENTUCKY (KY) CATS

$16.08/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 community based subscription service supported by its members
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR KENTUCKY (KY) CATS

$24.92/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
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR KENTUCKY (KY) CATS

$23.81/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
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR KENTUCKY (KY) CATS

$36.00/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

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

STANDARD PLAN COST FOR KENTUCKY (KY) CATS

$14.73/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company

Kentucky (KY) Cat Insurance FAQs

Why do I need cat insurance in Kentucky?

When you sign with a cat insurance company, you pay a monthly fee to keep the policy active. Typically, cat insurance plans cover medical tests, emergency care, exam fees, surgery because of an unexpected injury, medications, and illnesses. If your cat gets hurt in an accident, you pay for the treatment, then submit a claim to the insurance company and they’ll reimburse you. Most insurance companies won’t cover a cat’s pre-existing condition. Because of this, we suggest you sign up for cat insurance while your cat is a kitten, typically around 8 weeks old.

In Kentucky, cat insurance helps pay for high vet bills such as treatments for illnesses like cancer, which can run over $10,000. As an uninsured cat owner, you could face the tough decision of putting down your cat because you can’t afford the expensive treatment costs. Cat insurance guarantees you’ll never face a situation like this.

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

Generally, cat insurance companies encourage you to sign up your kitten when they’re no less than 8 weeks old. Most providers don’t set age limits, but the younger a cat is, the cheaper it is to insure, compared to an older cat. We suggest you get cat insurance before your cat turns a year old.

Do I need to get cat insurance in Kentucky?

It’s no secret that vet bills can add up. You may end up spending $3,000 or more for an emergency vet visit if your cat cuts their paw or swallows something. You pay a monthly insurance premium instead of paying high out-of-pocket costs when you have cat insurance. Depending on where you live, Kentucky veterinarians may be higher than in other states. Therefore, you really need cat insurance in Kentucky.

What is covered and what’s excluded with cat insurance?

Cat insurance coverage can vary depending upon which insurance you choose, but typically things like accidents and illnesses are covered. Besides these, cat insurance usually covers

  • Broken bones
  • Ear or eye infections
  • Allergies and the allergy tests
  • Swallowing something dangerous

But as we mentioned, pre-existing conditions like cancer aren’t covered when you sign your cat up for insurance. Most cat insurance companies offer a “wellness package” as an add-on to cover items such as

  • Heartworm checks and prevention
  • Vaccinations
  • Routine check-ups

What about reimbursement?

Reimbursement is fairly straightforward. If you sign up for cat insurance with a 90% reimbursement rate along with a $250 deductible, and a $20,000 annual maximum benefit and then if something happens to your cat that costs $10,000 for surgery, your insurance will reimburse you $9,000, minus the deductible of $250. So you end up paying $1250 out of pocket instead of $10,000.

Trupanion is one cat insurance company that directly pays your vet when they’re in-network. This means there are no out-of-pocket fees.

Is it better to have a lower deductible?

Generally, it’s better to have a lower deductible because even though it means a higher monthly fee for you, you pay less out-of-pocket costs in case of an emergency vet visit. You know your financial situation, but most providers offer an easy-to-use calculator when they give you a quote, which makes it easier to determine what you should do. We see that most cat owners choose the $250 or $500 deductible.

Are there any restricted cat breeds for homeowners insurance in Kentucky?

Your homeowner’s insurance may not cover certain breeds of cats. If your cat is considered dangerous or is a non-traditional house pet, you may be excluded from a homeowner’s insurance plan. You should contact your local homeowner’s insurance provider to see whether you need a specific liability rider.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Kentucky

1. Protect from coyotes

Coyotes are common in Kentucky. Because your cat loves to wander around outside, you need to protect your cat from coyotes. You can do this by installing “cat posts.” These are tall pieces of wood that stand around 10 to 12 feet tall high. If a coyote comes around, your cat can climb up the pole to get away, because the coyote can’t climb.

2. GPS tracker

Because cats like to wander, it’s a good idea to get your cat a tracking device that will help you monitor your cat’s whereabouts. Also, choose a collar with a safety clasp that comes undone if it gets snagged on a tree limb to prevent strangulation. Be sure your cat is wearing a name tag and contact information.

3. Hot weather

Kentucky gets humid and hot in the summer months. Be sure to protect your cat during the summer months. Cats get dehydrated just like humans, so make water available for your cat and be sure they’re not out in the sun too long.

4. Avoid giving your cat cooked chicken bones

Never give your cat cooked chicken bones because they can splinter, making them a choking hazard for your cat.

5. Tapeworms

If your cat has fleas and licks themselves, they might ingest tapeworm eggs that are common around fleas. Tapeworms cause your cat to lose weight by stealing nutrition. Your cat may be asymptomatic, but the infestation can lead to stomach pain, diarrhea, and anus itchiness. If your cat shows these symptoms, be sure to see your vet.

Conclusion

If you own a cat and live in Kentucky, we encourage you to find a good insurance company. We suggest you sign up for cat insurance while your kitty is young and at least 8 weeks old. This way you’ll get better prices and your cat is less likely to have a pre-existing condition. But even if your cat is older, get cat insurance. Having cat insurance ensures that you’ll be able to care for your cat in case of an accident or an illness like cancer.

Ready to get started? After countless hours of research, we’ve found that Pumpkin pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Kentucky (KY) Cats

We ranked the best pet insurance policies for Kentucky (KY) Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Kentucky (KY) Cat with a $500 deductible located in the 40511 zip code (Please note: prices will vary greatly based on your location)
  • 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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