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Home > Insurance > 7 Best Pet Insurance Providers in Kentucky in 2023 – Reviews & Comparisons

7 Best Pet Insurance Providers in Kentucky in 2024 – Reviews & Comparisons

Australian Cattle Dog Blue Heeler walking with owner

Kentucky is home to a beautiful landscape and amazing people. Amongst those people are thousands of animal lovers hoping to provide the best life possible for their pets. Often, ensuring your pet is happy and healthy requires taking the time to find the right pet insurance policies in your area. Whether you’re a dog lover, a cat lover, or a lover of all things animals, knowing your pets are covered in the case of illness or injury can help you sleep easier at night.

Below, we’ll take a look at the seven pet insurance plans in Kentucky. This will help you learn more about the companies, what they offer, and whether they’d be a good match for your situation. In the end, we hope you’re able to find the best coverage for your fur babies so that you can stay on track with helping them live long, healthy lives.

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A Quick Comparison of the Winners for 2024

Image Product Details
Best Overall
Winner
Spot Spot
  • Offers multiple plans to choose from
  • No upper age limits
  • Discounts for multiple pets
  • Best Value
    Second place
    Embrace Embrace
  • Affordable prices
  • Customizable and diminishing deductibles
  • Three tiers of add-ons are available
  • Third place
    Fetch Fetch
  • Accident and illness coverage in one policy
  • Features three reimbursement structures
  • 24/7 virtual veterinarian access
  • ASPCA ASPCA
  • Offers both Accident Only and Complete Coverage Options
  • Will cover certain pre-existing illnesses after 6 months of coverage
  • Healthy Paws Healthy Paws
  • No coverage limits
  • Great online access to account and information
  • Donates to homeless animal organizations
  • The 7 Best Pet Insurance Providers in Kentucky

    1. Spot Insurance – Best Overall

    spot pet insurance logo

    Spot Insurance is easily the best overall choice when choosing a pet insurance plan in Kentucky. The company offers customizable plans and affordable rates to ensure your pet is well taken care of at prices you can easily manage.

    Spot offers a starter or accident-only plan. With this plan, your pet is covered for hospitalizations, treatments, medications, and other costs related to accidents they may have. Spot also offers an accident and illness plan. With this plan, your pet can receive treatment for common injuries, certain conditions, and even accidents. Illnesses like diabetes and cancer are included in this plan. You’ll also be covered for hereditary conditions, ingestion of toxic materials, behavioral issues, and certain dental diseases. The company also offers two preventative add-ons, Gold Preventative Care and Platinum Preventative Care. Monthly rates for Spot Insurance in Kentucky start at around $49 for dogs and $24 for cats.

    The only true downside we see with Spot Insurance is that monthly premiums may be higher than those of other companies. They have no upper age limits and offer discounts for families with multiple pets which is always a plus. Unfortunately, if your pet requires prescription food, it isn’t covered by any of Spot’s plans or add-ons.

    Pros
    • Offers multiple plans to choose from
    • No upper age limits
    • Discounts for multiple pets
    • Offers add-ons for more extensive coverage

    Cons
    • Premiums may be higher than other companies
    • Doesn’t cover prescription foods


    2. Embrace Pet Insurance – Best Value

    Embrace Pet Insurance Logo

    Embrace Pet Insurance is our next choice for the best pet insurance plans in Kentucky. What we love about Embrace are its deductibles. The company offers not only customizable deductibles, but also a diminishing deductible that lowers each year you don’t file a claim. This makes life great when things do arise and you need your coverage but can’t meet your original deductible.

    Embrace doesn’t have age limits and has a standard plan that includes exam fees. Exam fees are something many insurance policies will not cover. The company also offers add-ons for extra coverage. These add-ons come in three tiers to make it easier to choose the one best suited for your pet. Costs for Embrace Insurance start at $27 for dogs and $21 for cats, making it an affordable option for those in Kentucky.

    One of the downsides of Embrace Insurance is its coverage limits. The company’s coverage options max out at $30,000 per year. You’ll also need to take your pet for an exam to enroll as the company requires an exam within the past 12 months for new clients.

    Pros
    • Affordable prices
    • Customizable and diminishing deductibles
    • Three tiers of add-ons are available

    Cons
    • Must have a current health exam to enroll
    • Has a coverage limit of $30,000 per year


    3. Fetch Pet Insurance

    Fetch Pet Insurance

    Fetch Pet Insurance is another great insurance plan for those in Kentucky. Their plans offer accident and illness coverage in one policy. Your pet will be covered for issues like cancer, broken bones, and even hereditary conditions with this all-in-one coverage option. Fetch also offers non-traditional treatment coverages such as acupuncture and behavioral health issues. They also have three reimbursement structures you can choose from with one being unlimited. You can lower deductibles by not filing claims and even have access to 24/7 veterinarian assistance via virtual access. The cost of Fetch Pet Insurance starts at $34 for dogs and $16 for cats.

    Unfortunately, Fetch Insurance doesn’t offer preventative or wellness care options for pets. They also have one of the longest waiting periods for reimbursement, which is 15 days.

    Pros
    • Accident and illness coverage in one policy
    • Features three reimbursement structures
    • 24/7 virtual veterinarian access

    Cons
    • Longer than normal waits for reimbursement
    • No wellness or preventative care add-ons


    4. ASPCA Pet Health Insurance

    ASPCA Pet Health Insurance Logo

    With ASPCA Pet Health Insurance, you have two options when it comes to coverage. For a lower cost, you can choose the Accident Only Plan. This plan covers issues like broken bones, wounds, and swallowed objects. It even covers the diagnostics, testing, and surgeries that may be related to these issues. The company’s other plan is the Complete Coverage Plan. It offers everything that is included with its Accident Only Plan but goes a step further by offering coverage for certain illnesses like diabetes and cancer. Costs for coverage with ASPCA in Kentucky start at $32 a month for dogs and $16 per month for cats.

    Unfortunately, ASPCA does not offer any protection against pre-existing conditions. They may, however, cover curable pre-existing illnesses if treatment isn’t needed within the first 6 months of your policy term. It can also be more difficult to pick up coverage for older pets online. There have also been issues mentioned by users regarding long wait times when dealing with customer service.

    Pros
    • Offers both Accident Only and Complete Coverage Options
    • Will cover certain pre-existing illnesses after 6 months of coverage

    Cons
    • Poor customer service ratings
    • Hard to get coverage for older pets


    5. Healthy Paws Pet Insurance

    HealthyPaws Pet Insurance Logo

    Healthy Paws Pet Insurance is another option for animal owners in Kentucky. This company offers one plan option, their Accident and Illness Plan. For pet owners, this means coverage assistance for issues such as hospitalizations, emergency care, surgeries, hereditary illnesses, diagnostic testing, cancer treatments, and even medications. They also have no coverage limits. This means pet owners don’t need to worry about going over limits monthly or yearly. Other great things about this insurance plan are the online access to assistance and the fact that Healthy Paws donates to the care of animals without a home. Prices for coverage with Healthy Paws start at $36 per month for dogs and $15 per month for cats.

    While Healthy Paws has no coverage limits, they also do not offer add-ons or wellness plans. There is no coverage for office exams, routine care, or preventative measures. You’ll also find they do not cover pre-existing conditions.

    Pros
    • No coverage limits
    • Great online access to account and information
    • Donates to homeless animal organizations

    Cons
    • No customization options or wellness plans
    • Does not cover pre-existing conditions


    6. Figo Pet Insurance

    Figo Pet Insurance Logo

    Figo Pet Insurance is a good option for pet owners who want lots of add-ons and customization with their pet protection policy. A few of these options include reimbursement for materials needed to search for a lost pet or up to $10,000 in liability insurance to cover you if your dog destroys property.

    When it comes to insurance plans, however, the company has three you can originally choose from before you start adding your extras. Each of their plans comes with its own reimbursement cap with one offering unlimited care. You’ll also love one-day waits for reimbursement and an app to help make claims and policy management easier. Costs with Figo start at $23 per month for dogs and $12 for cats.

    Figo offers lots of add-ons but unfortunately, that coverage isn’t available for pups under the age of 8 weeks. You’ll also find that most of their policy prices increase as your pet ages.

    Pros
    • Multiple add-ons available
    • Affordable
    • Quick reimbursements

    Cons
    • No coverage for puppies under 8 weeks
    • Policy prices increase with your pet’s age


    7. Pawp Pet Insurance

    Pawp insurance logo

    Our last insurance plan for pets in Kentucky is Pawp Pet Insurance. Pawp is a bit different from the others on our list. Instead of choosing from different options, they offer a pet emergency fund that covers up to six pets in the event of a life-threatening event. You’ll even find that pre-existing conditions are covered with this fund. The maximum coverage available with this emergency coverage is $3,000. Before taking your pet to the vet, however, you must ensure the situation is covered. Prices with Pawp start at $24 for up to six pets.

    Unfortunately, Pawp does not offer any wellness or preventative care for pets. You’ll also find that emergency coverage can only be used once a year whether you use the entire $3,000 in coverage during the visit or not.

    Pros
    • Affordable
    • Covers pre-existing conditions in an emergency
    • Covers up to six pets on one membership

    Cons
    • Can only be used once per year
    • Offers no preventative or wellness care

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    Buyer’s Guide: Choosing the Best Pet Insurance Provider in Kentucky

    What to Look for in Pet Insurance in Kentucky

    Kentucky, like every other state in the United States, is full of pet owners who want only the best for their animals. When choosing the right pet insurance plans in this state it’s important to keep coverage options, deductibles, and pricing at the top of your list. While most providers offer similar coverages, you can find those out there that are more willing to help with the customization of policies and your rates. This is extremely important as not every dog and cat situation is the same, nor is that of the pet owners and their financial means.

    Policy Coverage

    When it comes to policy coverage, options are great. Perhaps you’re in the market for Accident Only Coverage to protect your pet against the unexpected. This type of policy helps with broken bones or bite wounds your pet may suffer. You’ll also find companies that offer Complete or Comprehensive Coverage. This helps with certain illnesses like diabetes, cancer, and even dental diseases. You can even find certain companies that combine these policies into one or offer additional add-ons to ensure your pet is getting the best protection possible.

    Customer Service & Reputation

    Reputation and customer service are huge when it comes to pet insurance. The last thing you want to do is deal with someone rude or impatient when your fur baby is sick or injured. It also helps to work with companies you can trust. Luckily, all the pet insurance companies mentioned in this review have a solid reputation and have reviews of their customer service departments online for you to see.

    Claim Repayment

    When your pet suffers from an illness or injury that has cost you a lot of money out of pocket, your claim repayment is important. Companies that move quickly in this regard are the best to work with. They understand how upsetting these times are and do their best to repay your claim quickly. This allows you less worry and gives you more time to focus on your recovering pet. If claim repayment takes more than 15 days, perhaps it’s best to look for another company to do business with.

    Price of Policy

    Pricing is always important when it comes to choosing a pet insurance policy. Of course, all of us want to save money. The key, however, is to find the right coverage and a price you can afford. There’s no sense in paying tons of money every month for insurance your pet may never need. Instead, find something that suits your budget and provides you with the options you feel are most important for your pet and your financial situation.

    Plan Customization

    Plan customization helps ensure that you’re getting the most for your money. When companies allow you to choose a particular policy, then customize it by adding the extras you feel your pet needs, you feel more at peace in the long run. Luckily, plan customization goes even further now with many companies allowing you to customize the deductible you pay and the coverage options. Before you settle on a policy or company, look at what they offer in the way of customization so you can truly make your policy fitting for your needs.

    pet insurance coverage concept
    Image Credit: Andrey_Popov, Shutterstock

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    FAQ

    Can I cancel my policy at any time?

    Yes, most pet insurance companies allow you to cancel your pet’s coverage whenever you see fit.

    Do I need to use particular vets for my pet?

    Many pet insurance providers have a list of providers they work with. Simply speak to your representative to learn more about vets in your area and whether the one you prefer is accepted.

    Do my monthly charges change?

    This depends on the company you work with. Most pet insurance providers have set monthly fees, if you add coverage or take away from what is offered, you may see a difference in your payments per month.

    couple with a dog getting a pet insurance
    Image Credit: Robert Kneschke, Shutterstock

    Which Pet Insurance Plan in Kentucky Is Best for You?

    As you can see, there are several options to choose from when finding the right pet insurance in the Bluegrass State. If you have younger pets, the sky’s the limit on your options. Any of these providers could offer you something that would be fitting.

    It is the older pets and those with pre-existing conditions that may find it more difficult to find the coverages they need in your state. It is important to ask all the right questions, especially about the age and condition of your pet, before you sign off on a policy.

    While most policies and companies allow you to cancel at any time, there’s no point in spending your hard-earned money on a pet coverage policy that isn’t suitable to your pet’s needs. Keep this in mind whenever you compare the policies listed above or call for assistance from their customer support teams.

    divider-food Conclusion

    As you can see, the state of Kentucky has several options when it comes to pet insurance policies for your fur babies. The key to choosing the right coverage is understanding what you want, what each company offers, and how much you’re willing to pay for this peace of mind. By taking your time and carefully considering each company in your area, you can easily find insurance coverage for your dog or cat and will sleep easier knowing that you have. When accidents or illnesses happen, you’ll have somewhere to turn for the help you need.

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    Featured Image Credit: Tanya Consaul Photography, Shutterstock

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