7 Best Pet Insurance Companies in Kentucky in 2022

In this article: Best Pet Insurance Companies | Types of Pet Insurance Plans | How to choose | FAQs

Many Kentucky pet owners can benefit from pet insurance. These plans provide financial protection against expensive vet bills for everything from stitches to heartworm pills, ensuring your furry friend receives care without leaving you to worry about paying. We at the Home Media Critics Team have researched best pet insurance providers across the country and narrowed our choices for Bluegrass State.


Get your quote: Complete the Spot online quote form

To learn more: Spot Pet Insurance Review


Get your quote: Complete the Healthy Paws Online Quote Form

To learn more: Healthy Paws Pet Insurance Review


Get your quote: Complete Figo’s online quote form


Get your quote: Complete Embrace’s online quote form

To learn more: Embrace Pet Insurance Review


Get your quote: Complete Fetch’s online quote form

To learn more: Fetch Review by The Dodo Pet Insurance


To learn more: ASPCA Pet Health Insurance Review


Get your quote: Complete Pawp’s online quote form

To learn more: Pawp Pet Insurance Review


How to Choose the Right Pet Insurance Provider

Consider the following factors when comparing insurance companies.

  • Formulas available: Consider whether you want low-cost coverage for accidents and emergencies only, or whether you want to pay a little more to cover illnesses and other health issues. Also, consider whether you want routine veterinary care covered. Next, research the providers that offer your optimal coverage.
  • Deductibles, reimbursement rates and coverage limits: These are the most important factors in determining your monthly premium: the higher your deductible, the lower your monthly payment and vice versa. Likewise, selecting a low reimbursement rate will keep your monthly premium low, but increase your outgoings when you file a claim.
  • Excludes: All providers exclude pre-existing conditions, but some also exclude breed-specific or congenital conditions, alternative treatments, behavioral issues, etc. Read sample contracts and talk to a representative to make sure you understand the exclusions and limitations before signing up for a plan.
  • Longevity and reputation: Check the Better Business Bureau (BBB) ​​website to see how long the company has been in business and read customer reviews.

Bottom Line: Which is the Best Pet Insurance Company in Kentucky?

Pet insurance provides peace of mind that your furry friend will receive treatment and protects your wallet from large, unexpected veterinary bills. The best pet insurance for Kentucky pet owners depends on the coverage you want and how much you’re willing to pay. All of the providers on this list are reputable companies with solid plans. Get at least three quotes to compare before making a decision.

Compare Pet Insurance Providers in Kentucky

* We have obtained sample premiums for an accident and sickness insurance policy for a 4 year old medium sized mixed breed dog in Louisville, Ky. Prices may vary based on age, breed and age. your pet’s location. We recommend getting quotes directly from the companies for the most accurate cost information.


Kentucky Pet Insurance Frequently Asked Questions

Methodology: Our Ranking System of the Best Pet Insurance Companies

Our review of pet insurance companies is based on extensive industry research that includes reading hundreds of customer reviews, simulating the quote and buying process, talking to representatives by phone to rate customer service experience and survey of 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We rated each vendor on a 100-point scale based on these elements.

Here are more details on each factor and how they are weighted:

  • Monthly fee (25 points): The amount each company charges for their 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.
  • Diets (15 points): The best pet insurance companies offer accident and sickness plans, accident only plans, and wellness or preventative care supplements to give customers the flexibility to choose a plan that’s best for their pet. company.
  • Treatments covered (15 marks): With this factor, we rated companies based on the treatments and procedures they cover. Companies with a wide range 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 that you only pay for what your pet needs. Providers with more annual limit, deductible and reimbursement rate options scored higher.
  • Customer service (10 points): We rated companies on the accessibility and overall usability of their website, availability of customer service, mobile apps (if available), money back guarantees and veterinary telehealth options, awarding points to insurers with more customer experience offers.
  • Industry reputation (10 points): To determine each company’s reputation in the industry, we reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) ​​and rated companies on their years of industry experience and their availability in the state.
  • Waiting times (10 points): Companies with shorter accident, sickness and orthopedic wait times between the date of enrollment and the start date of coverage scored higher than companies with longer waiting times. longer waits.
  • Eligible age (5 points): Some companies don’t offer policies for pets over a certain age. We have deducted points from providers who have age limits for covered pets.

We use our rating system to compare and contrast each company on key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up-to-date and review our reviews regularly.

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