6 Best Kentucky (KY) Pet Insurance Plans Compared in 2021

Updated on September 22, 2021, by Matthew H. Nash – Licensed Insurance Agent

As a lifelong pet owner, licensed Kentucky insurance agent, and overall insurance nerd, I want to answer any questions you may have about pet insurance, making the decision process easier. Whether you live in a city like Louisville, Lexington, Bowling green or a small town like Midway or Owensboro, this article will shed light on pet insurance and whether it’s right for you. Read more about our unbiased ranking methodology and advertiser disclosure.

Top KY Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best pet insurance providers in Kentucky. The average monthly Kentucky-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 Kentucky with a 40511 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.

4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Kentucky pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN KENTUCKY

$27.94/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Kentucky 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
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Kentucky pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN KENTUCKY

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

STANDARD PLAN
COST IN KENTUCKY

$40.76/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
4.4
  • 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 IN KENTUCKY

$52.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans in addition to their preventative care coverage. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.4
  • 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 IN KENTUCKY

$74.09/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • They 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
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Kentucky pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN KENTUCKY

$56.70/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

figo
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Kentucky pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN KENTUCKY

$27.94/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Kentucky 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 Kentucky for the 15 most popular breeds?

The price for Kentucky 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 Kentucky we suggest getting a quote directly with Figo or Wagmo.

Dog Insurance Prices in Kentucky:

  1. Mixed Breed – $20.51/ mo
  2. Labrador Retriever – $27.94/ mo
  3. Golden Retriever – $27.86/ mo
  4. German Shepherd – $30.13/ mo
  5. Goldendoodle – $24.25/ mo
  6. Chihuahua – $12.76/ mo
  7. Siberian Husky – $28.01/ mo
  8. Yorkshire Terrier – $17.60/ mo
  9. American Pit Bull Terrier – $31.01/ mo
  10. Australian Shepherd – $19.28/ mo
  11. Dachshund – $18.19/ mo
  12. Shih Tzu – $16.20/ mo
  13. French Bulldog – $38.35/ mo
  14. Boxer – $38.50/ mo
  15. Labradoodle – $24.25/ mo

Cat Insurance Prices in Kentucky:

  1. Mixed Breed – $11.94/ mo
  2. American Shorthair – $14.10/ mo
  3. Bengal – $14.10/ mo
  4. Bombay – $14.10/ mo
  5. British Shorthair – $14.10/ mo
  6. Exotic – $14.10/ mo
  7. Himalayan – $14.10/ mo
  8. Maine Coon – $14.86/ mo
  9. Persian – $14.86/ mo
  10. Ragdoll – $14.86/ mo
  11. Russian Blue – $14.10/ mo
  12. Scottish Fold – $14.86/ mo
  13. Siamese – $14.86/ mo
  14. Sphynx – $14.17/ mo
  15. Abyssinian – $14.17/ mo

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

Kentucky Pet Insurance FAQs

What is pet insurance? Why do I need it in Kentucky?

Pet insurance assists pet owners with paying veterinary bills to avoid the financial strain that veterinary care causes. To reap the full benefits of pet insurance, you first need to enroll your pet in a plan. Then, you are responsible for making a monthly payment to keep the policy active. Finally, when your pet requires unexpected medical care, you pay the vet bill, but are then able to request reimbursement from your insurance carrier.

Pet insurance is helpful to have in Kentucky because of the high cost of veterinary care. For example, pet insurance may save your pet’s life because it makes life-saving procedures and surgeries, which could cost over $10,000, more affordable.

Are there any age requirements to be eligible for pet insurance?

Some pet insurance plans have age-minimum requirements. For example, if you want to enroll your puppy in pet insurance, you usually need to wait until your pup is at least 8 weeks old. However, age-minimum requirements vary by provider, animal, and plan.

A positive aspect about pet insurance is that there is typically not an age-limit. This means that if you adopt a 10 year-old rabbit or a 15 year-old cat from a shelter, they will still be able to be covered under insurance. However, it is important to keep in mind that pet insurance is usually more expensive for older animals.

What services are covered by insurance? Are there any that are excluded?

Generally, pet insurance provides coverage for:

  • Unexpected illness care
  • Accident care
  • Emergency surgery
  • Hospitalization, testing, and any other components of care related to unexpected illness or accidents.

However, the services covered by insurance also vary by plan and provider. Some insurance carriers offer basic plans with different “add-on” options, such as supplemental prescription and drug coverage.

The most common services that are excluded from pet insurance are any services needed to treat pre-existing conditions.

How does reimbursement work?

Pet insurance plans are usually reimbursement-based, which means that owners are reimbursed for money spent on veterinary bills based on a certain reimbursement rate percentage. For example, if your rabbit needs emergency surgery, you would pay the initial vet bill and then submit a reimbursement request to your insurance provider. Your provider would then reimburse you for your incurred costs, depending on your reimbursement rate percentage and your deductible.

Do all plans have deductibles?

Some pet insurance plans may not have deductibles. This largely depends on the type of animal that is covered under the plan and the animal’s. However, it is very common for pet insurance providers to offer deductible plans. Some providers offer both high and low deductible plans; it depends on your personal preference and financial circumstances to determine which is best for you.

Are there any restricted animals/pets for homeowners insurance in Kentucky?

Homeowners insurance plans frequently exclude certain dog breeds from coverage due to aggression associated with the breeds. This is common in most states. Pitbulls are the number one dog breed that are considered a restricted breed for homeowners insurance. Other commonly excluded breeds include:

  • Akitas
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Bull Mastiffs
  • Rottweilers
  • Wolfhounds

Besides dog breeds, there are no other common pet restrictions for homeowners insurance. However, we do recommend that you contact your insurance provider to be sure.

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

1. Hunting Safety

Hunting is allowed in Kentucky in certain areas during specific time frames throughout the year. If you enjoy walking in wooded areas with your dog during hunting season, both you and your pup need to wear bright colors to alert hunters of your presence.

2. Proper nutrition

All pets need good nutrition to live long and happy lives. Make sure that you are aware of the nutritional needs for your pet and limit extra snacking.

3. Vaccinations

The rabies vaccination is legally required for all dogs, cats and ferrets in Kentucky. If you own one of these furry friends, be sure to make sure that they are vaccinated to protect from disease.

4. Socialization and Affection

All pets crave love and affection of some kind. No matter what kind of pet you have, make sure you give them the attention they need throughout the day. Giving pets the proper love and attention promotes a sense of safety and prevents agitation.

5. Stay Inside

While many cats enjoy spending time outdoors, it is recommended that you keep your pets inside with you when not on walks as much as possible. Birds and other smaller animals can get lost easily outdoors, and bigger animals such as cats and dogs can develop diseases from bacteria found outside.

5 Unique Animal Rescue Shelters in Kentucky

Are you interested in pet adoption? These five shelters in Kentucky rescue, rehabilitate, and find permanent homes for pets of all kinds.

1. Gallatin County Animal Shelter in Sparta, KY

This local animal shelter in Sparta partners with Petfinder to display the animals that are available for adoption. In addition to connecting animals to their permanent families, this shelter also offers foster care and sponsorship opportunities.


2. Kentucky Humane Society in Louisville, KY

This shelter is the oldest animal rescue organization in Kentucky. Not only are dogs and cats available for adoption, but this shelter also rescues horses.


3. Franklin County Humane Society in Frankfort, KY

The Franklin County Humane Society is in the process of building a brand new shelter, with plans to open in July of 2022. This shelter rescues dogs and cats of all breeds primarily. Adoption fees vary by breed and by age of the animal.


4. Grant County Animal Shelter in Williamstown, KY

In addition to adoption, rehabilitation, and rescue services, this shelter offers an online Lost & Found platform where missing animals are shared with the public.


5. Lexington Humane Society in Lexington, KY

The Lexington Humane Society is a volunteer-operated shelter that prioritizes the well-being of animals above anything else. There is no time limit to how long an animal can stay in the shelter until a permanent home is found. In addition, this shelter offers a unique kids program, called Critter Camp, that teaches kids about caring for animals.


Conclusion

Pet insurance provides comfort to pet owners, especially during times of crisis. Veterinary care can be expensive and who wants to pay thousands of dollars out-of-pocket if they don’t have to? If you are interested in enrolling your pet in insurance, the process is quite simple. All you need to do is select a plan, pay a monthly premium, and then contact your provider for support when needed. Your best friend will be glad you did. I have found Figo pet insurance to provide the best combination of coverage and price.

SwiftScore Ranking Methodology for Kentucky

We ranked the best pet insurance policies in Kentucky 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 Kentucky with a 40511 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