7 Best Pet Insurance Companies in Kansas (2023)
Pet insurance covers your four-legged friend’s injuries and illnesses similarly to how health insurance covers your medical costs when you get sick or have an accident. Whether your dog or cat has a broken bone, developed sudden symptoms of illness, or has swallowed something it shouldn’t have, pet health insurance can help cover the vet bills.
We at the Guides Home Team thoroughly researched the best pet insurance providers in the country, comparing their costs, services and customer satisfaction. These are our top provider recommendations for pet parents in Kansas.
Kansas’ Top 7 Pet Insurance Companies
Based on our research, here are our top seven picks for pet insurance companies in Kansas:
Healthy Paws: Our Pick for Affordable Unlimited Coverage
Figo: Most Flexible Reimbursement Rates
Embrace: Our Pick for Savings
Wagmo: Most Wellness Plan Options
Fetch: Our Pick for Therapy Coverage
Trupanion: Most Flexible Deductible
Types of Pet Insurance Plans
Generally, pet insurance providers offer at least one of the following plan types:
- Accident-only: Your pet won’t be covered for anything illness-related, but you will be reimbursed for treatments, medications, emergency care, surgeries and other vet-recommended care for accidental injuries.
- Accident-and-illness: This plan will cost more, but in addition to accident coverage, you’ll also be reimbursed for necessary vet care if your pet becomes ill.
- Preventive care: Preventive care is typically in the form of an add-on. For an additional fee, you can tack preventive coverage onto your standard plan to help with the cost of annual wellness checkups, vaccinations, grooming and other routine care.
When picking your plan, understand the levers that impact your monthly premium. The deductible, annual limit and reimbursement rate you select will influence how much you pay. Your annual limit is the maximum amount a provider will pay toward your vet claims per year. The deductible is the maximum amount you’ll pay out of pocket per year or per condition, and the reimbursement rate is the percentage of each claim the provider will pay.
A low reimbursement rate and high deductible will decrease your monthly premium, but you’ll pay more out of pocket when you file a claim. A high reimbursement rate and low deductible will decrease your out-of-pocket costs but increase your monthly rate.
How To Choose the Right Pet Insurance Provider
Determining which pet insurance company is right for you depends on a few factors, including the following:
- Your budget: Monthly premiums can vary greatly among providers based on your pet’s breed and age, your location and the customizations you select. While you want to get the best coverage for your pet, you don’t want pet insurance to become a financial burden. The point of pet insurance is to help your wallet, so be mindful of your budget and get quotes from several providers before choosing one.
- Your pet’s needs: There’s no point in paying for coverage you don’t need or that doesn’t address your pet’s circumstances. Carefully read each provider’s coverage details and sample policy to ensure you’ll be covered for what your pet truly needs based on its breed, age and other conditions.
- Exclusions: Not all plans are created equally. Some providers will make exceptions for preexisting conditions that haven’t shown symptoms within a certain time frame, while others won’t cover them at all. Some have an age limit, aren’t available in every state or have certain enrollment requirements. Get familiar with the fine print before signing up.
The Bottom Line
The best pet insurance in Kansas is the one that meets your pet’s needs at a price you’re comfortable with paying. Figo has multiple plan selections, and Fetch offers behavioral therapy coverage. Embrace’s discounts can save you money, but Spot has no upper age limit.
To figure out which provider is best for you, take a close look at each one’s sample policy, which can typically be found on their websites. Understand the coverage details, exclusions and requirements of each plan, plus your options for saving money through discounts, bundling and coverage adjustments.
Also, understand each company’s reputation by reading customer reviews online and checking Better Business Bureau ratings. Once you’ve narrowed down your choices, get pet insurance quotes through providers’ sites to compare pricing. Lastly, you can call the provider’s customer service number and talk to a representative if you have any remaining questions.
Compare Pet Insurance Providers in Kansas
See how these Kansas pet insurance providers compare according to data gathered through our secret-shopping process.
*We obtained the above monthly premiums for an accident-and-illness policy for a 4-year-old, medium-sized, mixed-breed dog in Topeka, Kan. Pricing may vary based on your pet’s age, breed and location. We recommend getting quotes directly from companies for the most accurate cost information.
Methodology: Our System for Ranking the Best Pet Insurance Companies
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage.
We have scored each provider on a 100-point scale based on those elements. We then divided the points earned for each provider’s final score on a 5-point scale.
Here are more details about each factor and how they’re weighted:
- Monthly pricing (25 points): How much each company charges for its pet insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
- Plans (15 points): The top pet insurance companies offer accident and illness plans, accident-only plans and wellness or preventive care add-ons to give customers the option to choose a plan that’s best for their pet.
- Covered treatments (15 points): With this factor, we scored companies based on the treatments and procedures they cover. Companies with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies.
- Customization options (10 points): Customizing your policy is a valuable way to ensure you only pay for what your pet needs. Providers with more annual-limit, deductible and reimbursement-rate options earned the highest scores.
- Customer care (10 points): We scored companies on their website accessibility and overall usability, customer service availability, mobile apps (if any), money-back guarantees and veterinarian telehealth options, awarding points to the insurers with more customer experience offerings.
- Industry reputation (10 points): To determine each company’s industry reputation, we reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) and scored companies on their years of experience in the industry and their state availability.
- Waiting periods (10 points): Companies with shorter accident, illness and orthopedic waiting periods between the sign-up and coverage start date scored higher than companies with longer waiting periods.
- Eligible age (5 points): Some companies don’t offer policies for pets that are over a certain age. We deducted points from providers that have age limits for covered pets.
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.