--- title: Best Pet Insurance in Kentucky description: Find the best pet insurance in Kentucky for dogs and cats that covers vet visits, dental care, and wellness, starting from $9.64 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: '2023-12-19T11:51:36.000Z' modified: '2024-04-17T13:54:27.000Z' section: Insurance word_count: 783 canonical: https://money.com/best-pet-insurance-kentucky/ 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 Kentucky](https://img.money.com/2023/12/Best-Pet-Insurance-Kentucky.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/4bc5637fffe0?ap_referrer=%2Fbest-pet-insurance-kentucky%2F&bidid=4207474314&ptid=680945730&ptoken=3fac263e11e78644edc62756d41956c3&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/a67e2bc9e2be?ap_referrer=%2Fbest-pet-insurance-kentucky%2F&bidid=4207474323&ptid=680945730&ptoken=27ecbf9aaeb694af551d00912df19528&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/0b51f8d91f3d?ap_referrer=%2Fbest-pet-insurance-kentucky%2F&bidid=4207474317&ptid=680945730&ptoken=f6c2890f5b51612a261ca11d5bba5609&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/48b057962e65?ap_referrer=%2Fbest-pet-insurance-kentucky%2F&bidid=4207474316&ptid=680945730&ptoken=2533c7d88a036e86c35d448a3a2d84d0&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/0aa2dddd7eda?ap_referrer=%2Fbest-pet-insurance-kentucky%2F&bidid=4207474319&ptid=680945730&ptoken=9cf0ccd8dea7b3dba6b59e63e61d8a28&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/73680995b7ba?ap_referrer=%2Fbest-pet-insurance-kentucky%2F&bidid=4207474322&ptid=680945730&ptoken=6e24cf82ee3167d5af558b856ad6bce0&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/b0de9c3a07a9?ap_referrer=%2Fbest-pet-insurance-kentucky%2F&bidid=4207474315&ptid=680945730&ptoken=1200e7f2e9dc1881e8c46b0ad81ba680&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 Since 2016, our researchers and writers have been vetting and gathering information on the [best pet insurance companies](https://money.com/best-pet-insurance/) nationwide. Their methodology has allowed our team to take that list and narrow it down even further. If you’re a pet parent in the Bluegrass State, stick around to learn more about our picks for the best pet insurance in Kentucky. ## Our Top Picks For Best Pet Insurance in Kentucky - [Figo](#Figo) - [Pets Best](#PetsBest) - [Healthy Paws](#HealthyPaws) - [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-kentucky%2F) ## Best Pet Insurance Companies in Kentucky Reviews ### [Figo Pet Insurance](https://money.com/pr/z66796bc85fd?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-kentucky%252F) Review **Pros** - Reimbursement rates of up to 100% - Customizable and preset pet insurance plans - International vet care covered **Cons** - No 100% coinsurance option for deductibles under $500 - No hereditary conditions coverage if pet is enrolled after second birthday ### HIGHLIGHTS Annual deductibles $100, $250, $500 or $750 Annual payout limits $5K, $10K or unlimited Coinsurance 70%, 80%, 90% or 100% Waiting periods 1 day for accidents, 14 days for illnesses, 6 months for orthopedic conditions Sample quotes for dogs\* $15.17 - $95.66 Sample quotes for cats\*\* $3.85 - $24.31 ### [Pets Best Pet Insurance](https://money.com/pr/te32ea5aeab4?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-kentucky%252F) Review **Pros** - Pets covered as early as seven weeks - Wide range of deductible options - Covered vet care in the U.S. and Canada **Cons** - Policy upgrades not available until renewal - Slower claims processing than competitors ### 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\* $23.26 - $116.06 Sample quotes for cats\*\* $6.55 - $32.69 ### [Healthy Paws Pet Insurance](https://money.com/pr/u41117d41a2c?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-kentucky%252F) Review **Pros** - No maximum payouts - Short claims processing - Mobile app available - Diagnostic tests and labs covered with base policy **Cons** - Age limit for hip dysplasia coverage - 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\* $82.93 (with automatic 70% reimbursement rate and $500 deductible) Sample quotes for cats\*\* $17.26 - $36.76 ### [Embrace Pet Insurance](https://money.com/pr/t5e6c54b811e?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-kentucky%252F) Review **Pros** - 24/7 pet helpline - 2-day accident waiting period - Multi-pet discount available - 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\* $36.14 - $217.31 Sample quotes for cats\*\* $9.64 - $57.96 ### [Spot Pet Insurance](https://money.com/pr/m999af985bb0?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-kentucky%252F) Review **Pros** - Base policy covers vet exam fees - Virtual vet visits and microchip implantation covered at no extra cost - Behavioral therapy covered with base policy **Cons** - Non-annual payments have transaction fees - Higher-than-average monthly premiums ### 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\* $21.22 - $214.08 Sample quotes for cats\*\* $5.66 - $57.82 ## 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-kentucky%2F) ## Pet Insurance in Kentucky Guide ### How much is pet insurance in Kentucky? While state variations do play a role in what you’ll pay for your pet insurance policy, your pet’s profile and your policy’s details bear more weight on how much you will end up paying. The following elements have the most influence on the cost of pet insurance: - **Reimbursement rates:** Otherwise known as coinsurance, these range between 70% and 90%. Some carriers offer a 100% reimbursement option, though it usually requires higher annual deductibles. - **Annual limits:** Coverage options from our picks start at $2,500 and go up to unlimited. - **Deductibles:** Some companies offer deductibles as low as $50, but they typically range between $100 and $1,000. - **Optional coverage:** Some add-ons include [pet dental care](https://money.com/pet-dental-insurance/) (routine dental cleanings), preventative care or wellness plans, spaying or neutering, acupuncture and other alternative therapies and more. Some base policies cover [veterinary exam fees](https://money.com/pet-exam-fees-sponsored-fetch/), but you will most likely need to cover them yourself. - **Discounts:** Providers like Embrace offer discounts for multiple pets. Other carriers may offer discounts for annual payments, veterans and even therapy pets. You have to factor all of this in, as well as your pet’s needs and whether or not you want your [pet insurance coverage](https://money.com/what-pet-insurance-covers/) to include more than just broken bones and hereditary or congenital conditions. Navigating the specifics of health insurance for pets can be challenging, so be sure to read our guide on [how to buy pet insurance](https://money.com/how-to-buy-pet-insurance/) to familiarize yourself with them. #### Cost of dog insurance in Kentucky According to pet insurance quotes from our list of providers, monthly premiums for dog insurance range between $23.95 and $160.78 for a base policy. Of the two, pet health insurance for dogs is the most expensive. #### Cost of cat insurance in Kentucky Kentucky pet insurance for cats, on the other hand, could come out to an estimated monthly cost of $6.43 - $43.20, which is significantly lower when compared to dog insurance premiums. ### Costs of pet care in Kentucky According to a recent study carried out by the American Veterinary Medical Association (AVMA), dog and cat owners across the U.S. paid averages of $195 and $162, respectively, for the services they received during their last veterinary visit in 2022. #### Average vet bills for dogs in Kentucky An emergency vet visit could cost you approximately $200 to $7,500, depending on how sick or injured your dog is. #### Average vet bills for cats in Kentucky Cat owners who take their cats in for emergency healthcare can expect an average vet bill of around $200 to $7,000, which is not much different from what a dog owner would pay. ### Pet Laws in Kentucky In Kentucky, dogs, cats and ferrets must have their rabies vaccinations by the time they turn four months old. To help pet owners offset the costs of these, local Kentucky health departments like those in Louisville and Lexington offer low-cost vaccination clinics during the summer, as provided by the law. Kentucky doesn’t have any statutes in place regarding the spaying or neutering of pets. Regardless, many states believe it worth it to sterilize our furry friends in an effort to reduce the stray animal population across the U.S. #### Consumer protection for pet insurance in Kentucky Just as any other insurance policyholder, pet owners are protected by each state’s Department of Insurance in case their pet insurance provider unfairly denies or delays their claims, overcharges them for a policy, and other fraudulent practices. If you believe your carrier is infringing on your rights as a consumer, you can file a complaint against it. ## How We Found the Best Pet Insurance in Kentucky Our team used a list of previously vetted companies and data collected over the course of seven years to find out which companies offered the best accident and illness coverage policies for residents of Kentucky. We looked at each carrier’s enrollment requirements and restrictions (pet’s age, condition), exclusions ([pre-existing conditions](https://money.com/pet-insurance-for-pre-existing-conditions/), routine care, etc.), coverage limits, average costs and overall benefits. ## 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-kentucky%2F) ## Summary of Money’s Best Pet Insurance in Kentucky - [Figo](#Figo) - [Pets Best](#PetsBest) - [Healthy Paws](#HealthyPaws) - [Embrace](#Embrace) - [Spot](#Spot) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/best-pet-insurance-kentucky/#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 Kentucky" } ] }, { "@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-kentucky/#webpage", "url": "https://money.com/best-pet-insurance-kentucky/", "name": "Best Pet Insurance in Kentucky", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2023-12-19T11:51:36.000Z", "mainEntity": { "@id": "https://money.com/best-pet-insurance-kentucky/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/best-pet-insurance-kentucky/#breadcrumb" }, "dateModified": "2024-04-17T13:54:27.000Z" }, { "@type": "Article", "headline": "Best Pet Insurance in Kentucky", "articleSection": "Insurance", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2023/12/Best-Pet-Insurance-Kentucky.jpg?quality=85", "width": 3888, "height": 2592 } ], "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": "2023-12-19T11:51:36.000Z", "description": "Find the best pet insurance in Kentucky for dogs and cats that covers vet visits, dental care, and wellness, starting from $9.64 with Embrace.", "abstract": "Find the best pet insurance in Kentucky for dogs and cats that covers vet visits, dental care, and wellness, starting from $9.64 with Embrace.", "@id": "https://money.com/best-pet-insurance-kentucky/", "inLanguage": "en-US", "dateModified": "2024-04-17T13:54:27.000Z", "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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