--- title: Best Pet Insurance in Kansas description: Find the best pet insurance in Kansas for dogs and cats that covers vet visits, dental care, and wellness, starting from $9.43 with Embrace. authors: - name: Emily Gutarra role: Writer url: https://money.com/author/emily-gutarra/ bio: Emily Gutarra is a former staff writer at Money Group, specializing in personal finance topics and product reviews with a focus on delivering clear, practical guidance. education: University of Puerto Rico - Río Piedras at_money_since: 2023 articles: 42 covers: - Insurance - Credit - Housing - Identity Theft - Pets former_staff: true editors: - name: José Omar Rodríguez role: Content Manager url: https://money.com/author/jose-omar-rodriguez/ bio: As an editor, José Omar specializes in personal finance topics and in-depth company reviews. His work has been featured in publications such as the Sacramento Bee, the Miami Herald, and the Kansas City Star. education: University of Puerto Rico at_money_since: 2019 articles: 21 covers: - Insurance - Banking - Business - Career Advice - Credit - Credit Cards - Economy and Politics - Housing - Identity Theft - Investing - Lifestyle - Loans - Mortgages - Pets - Professional Services - Retirement - Taxes - Technology published: '2024-01-04T18:24:54.000Z' modified: '2024-04-17T13:57:25.000Z' section: Insurance word_count: 835 canonical: https://money.com/best-pet-insurance-kansas/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Best Pet Insurance in Kansas](https://img.money.com/2024/01/Best-Pet-Insurance-Kansas.jpg?quality=85&w=1012&h=569&crop=1) ## Our Partners ### Preferred Provider ![View Plans](https://s3.consumersadvocate.org/prd/image/image/29662/medium_68e0db61-9c40-4a9a-8674-4d1846034313.png) Our Partner [View Plans](https://money.com/go/f25314d36909?ap_referrer=%2Fbest-pet-insurance-kansas%2F&bidid=4212157284&ptid=681663219&ptoken=df8d7f3e18ba89a79cb06b3eb1f20607&zip=20149) **Customize Your Coverage to Suit Your Budget** - Annual Policy Limits for More Flexibility & Control - Complimentary 24/7 Virtual Vet Care via Airvet - Fast Claims – Most Processed in 2 Days - Use Any Licensed Vet in the U.S. or Canada * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/29658/medium_180feef1-c7e9-47f4-ae9c-f6f3e701e0ae.png) Our Partner [View Plans](https://money.com/go/2fa592d83300?ap_referrer=%2Fbest-pet-insurance-kansas%2F&bidid=4212157304&ptid=681663219&ptoken=a0b1449c14fdd9003e9360de02b5bd12&zip=20149) **🐶 Affordable Plans Starting at Less than $1/Day** - Get up to 90% back on vet bills - Flexible Coverage Options, No Upper Age Limits - Providing Comprehensive Pet Insurance for Over 900,000 Pets - Multiple Wellness Plan Options * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/27224/medium_0064768b-d029-4c4e-b916-5ae9a068cbe4.png) Our Partner [View Plans](https://money.com/go/0fa4e54498e5?ap_referrer=%2Fbest-pet-insurance-kansas%2F&bidid=4212157295&ptid=681663219&ptoken=a59792a4586a943074bb582ee8696aef&zip=20149) **Price Includes What Other Providers Charge Extra for or Don't Cover at All**  - Get Back up to 90% on Unexpected Vet Bills - Dental Coverage for Every Tooth, Plus Gums - Covers Exam Fees (Save $50-$250 per Sick Visit) - Use Any Vet in the U.S. or Canada * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/22628/medium_cd1f6ffb-0207-4043-b6ec-be1dea1b364c.png) Our Partner [View Plans](https://money.com/go/c740f227d980?ap_referrer=%2Fbest-pet-insurance-kansas%2F&bidid=4212157292&ptid=681663219&ptoken=29f64fa27753670ea75d771297058d51&zip=20149) **2025 Pet Insurance of the Year Award Winner** - No Lifetime or Per Incident Limits - Most Claims Processed in 5 Days or Less - One of the Shortest Waiting Periods for Accident & Illness Coverage * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/33968/medium_778ede1d-ae43-453e-8668-9dba77d2f061.webp) Our Partner [View Plans](https://money.com/go/a44f13248b7d?ap_referrer=%2Fbest-pet-insurance-kansas%2F&bidid=4212157298&ptid=681663219&ptoken=8f935ffd8233072e779f6ad0dde5a83c&zip=20149) **Unlimited Reimbursement at Any Vet** - Covers Illnesses, Conditions & Accidents - Add Dental & Prescription Coverage - Wellness Plan for Routine Check-ups, Grooming & Training - Over 18 Years of Pet Insurance Expertise * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/29657/medium_f6e5e594-b60d-4dfd-a2ce-c903d0fb009a.png) Our Partner [View Plans](https://money.com/go/799c6e02d02f?ap_referrer=%2Fbest-pet-insurance-kansas%2F&bidid=4212157301&ptid=681663219&ptoken=9a2a84e2cdea9949ee7055e03e4cbcf0&zip=20149) **🐕 Pet Insurance Starting as low as $10 per Month** - Save Big on Tests, Vaccines & Essential Care - Coverage for Spaying, Neutering & Microchipping Available - Up to 10% Off with Bundle or Multi-Pet Discount - Unclaimed Premiums are Donated to Charities of Your Choice \*Not available in all states.  * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/40729/medium_95f3cc69-7b7f-4634-b0da-21fff1366dfd.webp) Our Partner [View Plans](https://money.com/go/d3522f12d2d0?ap_referrer=%2Fbest-pet-insurance-kansas%2F&bidid=4212157288&ptid=681663219&ptoken=5d2c2c6fe73bbe534e00665607f13a7e&zip=20149) **🐶 Only Provider to Pay Vet Bills Instantly** - Unlimited payouts for life - Loved by 1 Million Pet Parents, 3 Billion in Vet Bills Paid - Protecting dogs and cats for over 25 years - Voted #1 pet insurance by veterinarians Our pet insurance experts have been evaluating pet insurers since 2016 to provide our readers with updated lists of the best in the market. Thanks to their research, we were able to determine which of them offer the best pet insurance in Kansas, as well as in many other states. If the providers listed here don’t offer the coverage and benefits that will give you peace of mind, make sure to check out our nationwide choices in our article on [best pet insurance companies](https://money.com/best-pet-insurance/). ## Our Top Picks For Best Pet Insurance in Kansas - [Figo](#Figo) - [Healthy Paws](#Healthy-Paws) - [Pets Best](#Pets-Best) - [Embrace](#Embrace) - [Spot](#Spot) ## Embrace Pet Insurance — for when the unexpected happens ### Personalize your pet’s policy to get the best for their needs and your budget. Get up to 90% reimbursement — just click on your state to get started. [View Plans](https://money.com/pr/c08cef208145?ap_referrer=%2Fbest-pet-insurance-kansas%2F) ## Best Pet Insurance Companies in Kansas Reviews ### [Figo Pet Insurance](https://money.com/pr/z66796bc85fd?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-kansas%252F) Review **Pros** - Covers international emergency services from licensed veterinarians - Reimbursement percentages of up to 100% - Coverage for dental injury or illness - 5% multi-pet discount **Cons** - Hereditary conditions excluded if pet is enrolled after second birthday - No coverage for visit and exam fees unless purchased separately ### HIGHLIGHTS Annual deductibles $100, $250, $500, $750 or $1K Annual payout limits $5K, $10K or unlimited Coinsurance 70%, 80%, 90% or 100% Waiting periods 1 day for accidents, 14 days for illnesses Sample quotes for dogs\* $19.91 - $125.29 Sample quotes for cats\*\* $5.06 - $31.83 ### [Healthy Paws Pet Insurance](https://money.com/pr/u41117d41a2c?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-kansas%252F) Review **Pros** - Diagnostic tests and labs covered with base policy - Mobile app available - No per-incident, annual or lifetime payout limits **Cons** - Age limit for hip dysplasia coverage - No customizable coverage options for dog policies - Not available in all states ### HIGHLIGHTS Annual deductibles $100, $200, $500 Annual payout limits None Coinsurance 70%, 80%, 90% Waiting periods 15 days (accidents and illnesses) 12 months (hip dysplasia) Sample quotes for dogs\* $81.68 (with automatic 70% reimbursement rate and $500 deductible) Sample quotes for cats\*\* $17.00 - $36.18 ### [Pets Best Pet Insurance](https://money.com/pr/te32ea5aeab4?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-kansas%252F) Review **Pros** - Accepted in vet offices in the U.S. and Canada - Pets covered as early as seven weeks - Submit claims online or through mobile app - Deductible options as low as $50 **Cons** - Slower claims processing than competitors - Vet exam fees only covered with elite plan ### HIGHLIGHTS Annual deductibles $50, $100, $200, $250, $500 or $1K Annual payout limits $5K or unlimited Coinsurance 70%, 80% or 90% Waiting periods 3 days for accidents, 14 days for illnesses Sample quotes for dogs\* $19.13 - $95.43 Sample quotes for cats\*\* $5.39 - $26.88 ### [Embrace Pet Insurance](https://money.com/pr/t5e6c54b811e?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-kansas%252F) Review **Pros** - 24/7 pet helpline - 2-day accident waiting period - Discount available for multiple-pet households - Coverage for international veterinary care **Cons** - Add-on required for prescription medications - Low coverage cap for dental illnesses ### HIGHLIGHTS Annual deductibles $100, $250, $500, $750 or $1K Annual payout limits $5K, $8K, $10K, $15K or unlimited Coinsurance 70%, 80% or 90% Waiting periods 2 days for accidents, 14 days for illnesses Sample quotes for dogs\* $35.17 - $125.58 Sample quotes for cats\*\* $9.43 - $33.67 ### [Spot Pet Insurance](https://money.com/pr/jd4e4316a0c0?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-kansas%252F) Review **Pros** - Base policy covers behavioral therapy - Vet exam fees covered at no extra cost - Microchip implantation and virtual vet visits **Cons** - High monthly premiums - Non-annual payments require transaction fees ### HIGHLIGHTS Annual deductibles $100, $250, $500, $750 or $1K Annual payout limits $2.5K, $3K, $5K, $7K, $10K or unlimited Coinsurance 70%, 80% or 90% Waiting periods 14 days for accidents and illnesses Sample quotes for dogs\* $21.93 - $221.14 Sample quotes for cats\*\* $5.36 - $54.74 ## Ensure your pet’s well-being with Embrace ### The company’s pet insurance policies provide quality coverage with up to 90% reimbursement. Get a quote that fits within your budget today. [GET FREE QUOTE](https://money.com/pr/n3fb8951cd6f?ap_referrer=%2Fbest-pet-insurance-kansas%2F) ## Pet Insurance in Kansas Guide ### How much is pet insurance in Kansas? To gauge the cost of pet insurance in Kansas, as in every state, you’ll need to consider both your pet’s needs and the type of policy that will cater to them. As for your policy, factors like your chosen deductible, reimbursement rate and annual limit will affect your monthly costs the most. Your carrier will also take into consideration your pet’s breed in order to include coverage they will need for certain conditions or health issues that could be breed-specific. And if you want your pet’s policy to cover more than injuries like broken bones and illness-related visits to the vet, you could pay extra for wellness plans or preventative packages, which usually include [pet dental care](https://money.com/pet-dental-insurance/) (cleanings), routine care (checkups), prevention (vaccinations), [veterinary exam fees](https://money.com/pet-exam-fees-sponsored-fetch/) and more. Our estimates for [pet insurance costs](https://money.com/how-much-is-pet-insurance/) are for base accident and illness policies. #### Cost of dog insurance in Kansas? We obtained quotes for an adult female dog residing in Kansas from each of our pet insurance provider picks. By averaging these, we determined that pet health insurance for dogs in the state ranges between $24.04 and $141.86. #### Cost of cat insurance in Kansas? Our pet insurance quotes for cats were comparatively lower. For a one-year-old female cat, pet parents can expect to pay $6.31 - $36.78 for a basic policy. ### Costs of pet care in Kansas Certain cities within the state warn pet owners of the dangers of the summer heat in Kansas. Aside from damage to their paws, pets can suffer from things like heat exhaustion and even heat strokes. Signs your pet might not be handling high temperatures well include heavy panting, rapid heartbeat, dizziness, vomiting, etc. Regions with extremely high temperatures also pose more of a risk to your pets in terms of pests and parasites and the diseases they carry. If you like in Kansas, these dangers make it worth it to have your pet insurance cover preventative care. If you’re unable to enroll your pet in a pet insurance policy that offers accident and illness coverage, there are resources you can access to receive low-cost pet health care services. The Lawrence Humane Society offers low-cost spaying/neutering and microchipping, as well as a program meant to help owners who might be unemployed or unhoused keep their pets. The Humane Society of Greater Kansas City provides residents with an affordable vet clinic and a pet food pantry. #### Average vet bills for dogs in Kansas Emergency visits to the animal hospital could cost you an average of $200 - $7,500 for a dog without [pet insurance coverage](https://money.com/what-pet-insurance-covers/). In terms of veterinary bills that aren’t related to emergencies, according to a 2022 study by the AVMA, dog owners reported paying approximately $195 for the services they received on their last visit. #### Average vet bills for cats in Kansas Emergency vet costs for cats, though slightly lower, still range between $200 and $7,000, depending on what services and treatment they require. For non-emergency visits, cat owners reported having paid $162 the last time they visited the vet in 2022, according to the AVMA. ### Pet Laws in Kansas The state of Kansas requires all cats and dogs that will be given for adoption by a pound, humane society or animal shelter to be sterilized before they are surrendered to the prospective owner. It also requires owners to provide the necessary food, water, shelter, exercise and anything else they might need to be in good health. #### Consumer Protection for pet insurance in Kansas All pet parents who believe their Kansas pet insurance provider is actively engaging in deceptive business practices can file a complaint with the Kansas Insurance Department, which is in charge of regulating insurance in the state. ## How We Found the Best Pet Insurance in Kansas Aside from requesting quotes, we evaluated the pet insurance plans offered by each of the providers on our list. We looked at each policy’s enrollment requirements and whether a pet’s age will affect coverage for hereditary or congenital conditions, options for coverage limits, deductibles and coinsurance, exclusions (ex. [pre-existing conditions](https://money.com/pet-insurance-for-pre-existing-conditions/)), estimated monthly premiums and more. ## Embrace offers reliable coverage for your pet’s needs ### With Embrace Pet Insurance, you can customize your policy for quality care within your budget. Also, get up to 90% reimbursement on your vet bills. Click below to get a free quote today! [GET FREE QUOTE](https://money.com/pr/r35d534ebd66?ap_referrer=%2Fbest-pet-insurance-kansas%2F) ## Summary of Money’s Best Pet Insurance in Kansas - [Figo](#Figo) - [Healthy Paws](#Healthy-Paws) - [Pets Best](#Pets-Best) - [Embrace](#Embrace) - [Spot](#Spot) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/best-pet-insurance-kansas/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Insurance", "item": "https://money.com/insurance/" }, { "@type": "ListItem", "position": 3, "name": "Pet Insurance", "item": "https://money.com/pet-insurance/" }, { "@type": "ListItem", "position": 4, "name": "Best Pet Insurance in Kansas" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/best-pet-insurance-kansas/#webpage", "url": "https://money.com/best-pet-insurance-kansas/", "name": "Best Pet Insurance in Kansas", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2024-01-04T18:24:54.000Z", "mainEntity": { "@id": "https://money.com/best-pet-insurance-kansas/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/best-pet-insurance-kansas/#breadcrumb" }, "dateModified": "2024-04-17T13:57:25.000Z" }, { "@type": "Article", "headline": "Best Pet Insurance in Kansas", "articleSection": "Insurance", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2024/01/Best-Pet-Insurance-Kansas.jpg?quality=85", "width": 4197, "height": 2798 } ], "author": [ { "@type": "Person", "name": "Emily Gutarra", "url": "https://money.com/author/emily-gutarra/", "@id": "https://money.com/author/emily-gutarra/#author", "description": "Emily Gutarra is a former staff writer at Money Group, specializing in personal finance topics and product reviews with a focus on delivering clear, practical guidance.\r\n\r\n", "image": "https://img.money.com/2023/09/emily.png?w=350&h=430&crop=1", "alumniOf": "University of Puerto Rico - Río Piedras" } ], "publisher": "https://money.com/#organization", "datePublished": "2024-01-04T18:24:54.000Z", "description": "Find the best pet insurance in Kansas for dogs and cats that covers vet visits, dental care, and wellness, starting from $9.43 with Embrace.", "abstract": "Find the best pet insurance in Kansas for dogs and cats that covers vet visits, dental care, and wellness, starting from $9.43 with Embrace.", "@id": "https://money.com/best-pet-insurance-kansas/", "inLanguage": "en-US", "dateModified": "2024-04-17T13:57:25.000Z", "editor": [ { "@type": "Person", "name": "José Omar Rodríguez", "url": "https://money.com/author/jose-omar-rodriguez/", "@id": "https://money.com/author/jose-omar-rodriguez/#author", "description": "As an editor, José Omar specializes in personal finance topics and in-depth company reviews. 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