Best Pet Insurance in Kentucky

The customizable coverage options with Spot put it squarely on our list of best options for pet health insurance in The Bluegrass State.

• Our score: 91
• Offers accident and illness and accident-only plans as well as four deductibles for personalized coverage
• Covers therapeutic diets and dietary supplements, which are not included in most competitor plans
• Doesn’t require a recent exam to enroll a pet in coverage

Learn More: Spot Pet Insurance Review

Spot’s baseline plan is an accident-only plan and covers costs related to hospitalization, treatments, and medications needed after accidents. The company’s accident and illness plan covers common injuries, accidents, and conditions, such as:

• Swallowed objects or toxic ingestions
• Hereditary and congenital conditions
• Behavioral treatments for excessive licking, tail chasing, and destructive chewing
• Illnesses, including cancer, diabetes, and respiratory infections
• Dental diseases, such as gingivitis and periodontitis

Spot also offers two preventive care add-ons: The Gold Preventive Care add-on offers up to $250 of reimbursement annually for routine care, such as wellness exams and dental cleanings, while Platinum Preventive Care includes all of Gold’s benefits, raises the reimbursement limit to $450 of annual routine care costs, and includes more expenses such as blood tests.

Breeding costs, cosmetic procedures, and preexisting conditions are all excluded from coverage with Spot.

Based on the quotes we received for 4-year-old cats and dogs in Kentucky, a pet insurance policy from Spot varies between $49 and $68 per month for dogs and between $24 and $26 per month for cats.

For brand-new pet parents or those who want to learn more about breeds, conditions, and where to find a local vet, ASPCA Pet Health Insurance may be the best choice for Kentucky pet insurance.

• Our score: 89
• Policies offer perks for younger and older pets, including behavioral treatment, microchipping, and costs related to the end of a pet’s life
• Offers a broad range of online resources about caretaking for pets, breed information, and even making choices about your pet’s health journey
• Its Accident-Only Plan provides emergency coverage at a lower cost

Learn More: ASPCA Pet Health Insurance Review

ASPCA Pet Health Insurance offers two plans with increasing levels of coverage. The Accident-Only Plan takes care of new emergencies or injuries like broken bones, bite wounds, and lodged foreign objects, as well as expenses for diagnostics and testing, surgery, acupuncture, and physical therapy.

The company’s Complete Coverage Plan includes Accident-Only coverage and adds even more protection for your pet against illnesses such as hypothyroidism, allergies, cancer, and digestive problems in addition to hereditary and congenital issues, such as eye disorders and heart disease. Complete Coverage also includes many prescribed behavioral treatments. A wellness add-on is also available.

Neither of the company’s plans covers incurable preexisting conditions, cosmetic procedures, costs from breeding or pregnancy, or preventive care. Curable preexisting conditions may become eligible for coverage after your pet goes 180 days without symptoms, with the exception of knee and ligament conditions.

In acquiring quotes, we found that a pet insurance plan with ASPCA Pet Health Insurance ranges from $32– $44 per month for dogs in Kentucky, while insuring a cat can cost from $16–$24 per month.

Embrace is one of our top picks for Kentucky pets thanks to its customizable deductibles and diminishing deductible benefit for each year you go without filing a claim.

• Our score: 93.5
• Its mobile app offers a convenient way for you to manage your policy and file claims
• Includes exam fees in its standard plan instead of providing it as an add-on like many pet insurance companies do
• Doesn’t have age limits on coverage

Learn More: Embrace Pet Insurance Review

Embrace offers one accident and illness plan that covers incidents such as:

• Exam fees
• Congenital, chronic, and breed-specific conditions
• Alternative treatments, such as hydrotherapy and acupuncture
• Diagnostic testing, including X-rays, CT scans, ultrasounds, and biopsies
• Hospitalization and surgery
• Dental trauma
• Prescription drugs

Embrace accident and illness coverage excludes veterinary costs for preexisting conditions, deliberate injuries, cosmetic procedures, cloning or DNA testing, breeding, whelping, and pregnancy.

In our research, we found that Embrace’s pet insurance for dogs in Kentucky runs between $27 and $96 per month, while pet insurance for cats ranges from $21–$35 per month.

We recommend Healthy Paws for its unlimited coverage caps built into every policy, which prevent pet parents from worrying about exceeding limits and paying out of pocket in the event of an expensive emergency.

• Our score: 93.5
• According to the company’s website, most claims are processed within two days of filing, providing quick payouts to pet owners waiting for a reimbursement
• Its online quote tool shows offers from other pet insurance providers if it deems your quoted price is abnormally high
• Each quote that is filled out triggers a donation to veterinary care for pets without homes

Learn More: Healthy Paws Pet Insurance Review

Healthy Paws offers just one plan to furry friends, which comes with an automatic unlimited coverage cap. The accident and illness plan includes costs associated with:

• Genetic, congenital, and hereditary conditions
• Surgery
• Hospitalization and emergency care
• Diagnostic tests, such as X-rays, blood tests, and ultrasounds
• Cancer treatments
• Emergency and specialty care
• Prescription medications

Preexisting conditions, fees for office visits and exams, routine and preventive care, and spaying or neutering are excluded items under a Healthy Paws policy. Additionally, Healthy Paws doesn’t offer any wellness coverage.

The quotes we received for Kentucky pets from Healthy Paws averaged between $36 and $70 per month for dogs and between $15 and $25 per month for cats.

Fetch Pet Insurance is a great option for pet owners interested in holistic therapies like chiropractic care or behavioral treatments.

Some highlights include:

• Our score: 91.5 out of 100
• Up to to $15,000 in annual coverage for behavioral issues like anxiety and aggression
• Coverage of vet exam and sick visit fees
• No policy terminations, regardless of pet’s age or health

Learn More: Fetch Pet Insurance Review

Fetch Pet Insurance covers accidents and illnesses under one plan. Coverage includes broken bones, toxic ingestions, cancer, hereditary conditions, and hip dysplasia. Customers can select one of three annual reimbursement caps: $5,000, $15,000, or unlimited. Fetch offers a deductible of $250, $300, or $500.

The standard plan also includes holistic and alternative treatments such as acupuncture and hydrotherapy and up to $15,000 for the treatment of behavioral issues. Fetch will reimburse you for cancellation fees if you have to miss a planned vacation due to your pet’s injury or illness or boarding costs if you are in the hospital for more than four days.

The cost of Fetch Pet Insurance in Kentucky ranges from around $34 to $72 for adult mixed-breed dogs and $16 to $25 for adult mixed-breed cats, according to our research.

Figo provides a variety of add-on options, including coverage for lost-pet advertising and reward money and cremation expenses. The company also offers up to $10,000 in third-party liability insurance, which covers you for any damage your pet does to property that doesn’t belong to you or anyone living in your home.

Some highlights include:

• Our score: 93 out of 100
• Four reimbursement options up to 100%
• Unlimited annual payout cap
• Coverage for cats and dogs regardless of age

Learn More: Figo Pet Insurance Review

Figo offers three plans, all of which cover accidents and illnesses. The plans differ in terms of reimbursement caps. The Essential Plan has a $5,000 annual reimbursement cap and the Preferred Plan comes with a $10,000 cap. The Ultimate Plan has an unlimited reimbursement cap. Figo offers four deductibles, more than most competitors, that range from 70% to 100%.

Through the optional Extra Care Pack, customers can receive reimbursement for the cost of cremating a pet, advertising a lost or stolen pet, and vacation cancellation fees due to a sick or injured pet, among other items.

Using Figo’s online calculator tool, the cost to cover an adult mixed-breed dog in Kentucky ranges from $22.54 to $31.78. Cat coverage ranges from $11.79 to $16.64.

Pawp is an alternative to more traditional forms of pet insurance that offers excellent digital clinic services and an emergency fund with fixed monthly prices.

• Our score: 90
• Provides 24/7 access to video calls and chats with a veterinarian or vet tech for consultations
• Covers up to six pets with each emergency fund membership
• Doesn’t have deductibles—expenses up to $3,000 are paid straight to the veterinarian’s office in an eligible emergency

Learn More: Pawp Pet Insurance Review

Pawp provides one coverage option: an emergency fund that is to be used in life-threatening events for your dog or cat. One membership can cover up to six pets and carries a maximum of $3,000.

The emergency fund can be used once per year to cover a veterinary emergency, which must first be assessed and approved by Pawp’s digital team before you can visit a veterinarian or emergency service. Once the condition is approved, pet owners will need to check their pet in for care within four hours.

Pawp doesn’t provide wellness or preventative care options. Additionally, elective and cosmetic procedures, routine visits, deworming, dental cleanings, and other non-emergent costs are excluded under Pawp memberships.

Pawp charges a flat rate of $24 per month for up to six pets. If your veterinary emergency costs less than $3,000, you will still be eligible for only one visit per year.