The Best Pet Insurance in Kentucky in 2025
Kentucky’s cheapest pet insurance quotes start at $9 per month for cats and $18 for dogs.
Excellent
)
)
Edited byNick Versaw
)
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
)
Reviewed byJohn Leach
)
John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
Updated
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
Pet insurance in Kentucky offers valuable protection for your furry family members. Kentucky pets are at risk from tick-borne diseases like ehrlichiosis, anaplasmosis, and Rocky Mountain spotted fever, which commonly affect dogs and cats in the state.[1] Accidents are also common risks, given Kentucky’s active outdoor lifestyle.
Pet insurance helps financially when unexpected veterinary bills arise. Nationwide, vet care costs have increased over 60% since 2015.[2]
Pet insurance averages $38 per month for dogs in Kentucky and $19 per month for cats, according to our data. But your pet’s actual rates will vary based on their age, breed, and the coverage level you choose.
Figo, ASPCA, and Spot lead our recommendations for the Bluegrass State. These companies stand out for their competitive rates and comprehensive coverage options.
Here’s what you need to know about insuring your furry friend in the Bluegrass State.
What You Need to Know About Pet Insurance in Kentucky
Kentucky pet insurance averages $456 annually for dogs and $228 for cats.
The cheapest companies for dogs include Pets Best and Spot.
Spot offers the lowest average rates for cats.
Kentucky hasn’t adopted specific pet insurance regulations. It treats pet insurance as a form of property insurance.
The average cost of a vet visit for a dog in Kentucky is $82. For cats, the average is $63.[3]
Compare Pet Insurance Companies in Kentucky
Plenty of companies offer insurance for Kentucky pets. But premiums and policies can vary greatly among insurers, so it’s important to compare companies and quotes before buying pet insurance.
The table below compares top pet insurance companies operating in Kentucky, showing average rates, coverage options, and key features, according to our research.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $32/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $22/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $21/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $29/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $48/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $13/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $10/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $9/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $17/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with Kentucky’s Best Pet Insurers
Policies in Kentucky start as low as $18 per month for dogs and $9 for cats.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Our Picks for the Best Pet Insurance Companies in Kentucky
We’ve analyzed dozens of pet insurance companies to bring you the best options for Kentucky pet parents. These companies combine competitive pricing with comprehensive coverage and excellent customer service.
Figo: Best for dogs
Pros
No upper age limit for new policies
Multiple reimbursement and deductible options
24/7 virtual vet visits
Cons
Mixed customer reviews about claims
No coverage for prescription food
Relatively low multi-pet discount
Figo earns our top spot for dogs in Kentucky by combining affordable premiums with exceptional policy flexibility.
What sets Figo apart is its comprehensive coverage approach. The company offers both a 100% reimbursement rate and an unlimited payout tier, giving pet parents the chance to have 100% of their vet bills covered with no caps for covered conditions. This combination of features makes Figo particularly valuable for Kentucky dog owners who want maximum financial protection.
ASPCA: Best for cats
Pros
10% discount for each additional pet
Covers alternative therapies
Covers hereditary and congenital issues
Cons
No coverage for prescription food
Must call for unlimited coverage quote
Limited deductible options
ASPCA provides some of the cheapest pet insurance rates for cats in Kentucky while offering comprehensive coverage. The company stands out by covering curable pre-existing conditions, which can be valuable if your cat develops a treatable health issue that could recur.
ASPCA also offers an unlimited payout tier, providing essential financial protection if your cat has a long-term illness or an expensive accident that needs ongoing treatment.
Spot: Best for senior pets
Pros
Covers behavioral and alternative therapy
Prescription food coverage
Two-day claims reimbursement
Cons
No 100% reimbursement option
14-day waiting period for accidents
No option to pay vet directly
Spot is our choice for the best insurance for senior pets in Kentucky. Our data analysis shows Spot has some of the most affordable rates for older dogs and cats in the state.
The company provides coverage for curable conditions. But it excludes allergies and incurable lifelong conditions like hereditary or congenital issues that have shown symptoms previously. Spot’s quick claims processing and comprehensive senior pet coverage make it ideal for older pets needing reliable healthcare support.
Lemonade: Best for young pets
Pros
Two-day waiting period for accidents
Competitive rates for young pets
Simple digital-first experience
Cons
Limited coverage options compared to competitors
Higher rates for older pets
More exclusions than some competitors
Lemonade earned our recommendation for young pets by offering some of the cheapest pet insurance rates for kittens and puppies in Kentucky. The company’s standout feature is its two-day waiting period for accidents, providing crucial coverage almost immediately for accident-prone young pets.
Lemonade also offers a preventive care package for younger pets, including coverage for vaccines, spaying and neutering, and more.
Healthy Paws: Best for unlimited payouts
Pros
Unlimited lifetime benefits
Fast claims processing
Covers hereditary conditions
Cons
No coverage for wellness care
15-day waiting period for illnesses
Won’t issue a new policy to pets older than 13
Healthy Paws gets our special recognition because it offers unlimited payouts regardless of which reimbursement tier or deductible you select. This coverage structure is advantageous for many Kentucky pet parents, ensuring that major veterinary expenses won’t exceed your policy limits.
With no per-incident, annual, or lifetime caps, Healthy Paws provides true peace of mind for expensive treatments like cancer care or emergency surgeries.
Our editorial team selected these companies based on a combination of average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in Kentucky
Pet insurance rates vary significantly between companies due to different risk assessments, coverage levels, and business models. Factors like your pet’s breed, age, location within Kentucky, deductible, and the reimbursement level you choose also influence your premium.
The following table shows companies with the most affordable average rates for dogs and cats in Kentucky, based on our data analysis:
The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Pets Best | $18 | $11 |
| Spot | $21 | $9 |
| ASPCA | $22 | $10 |
| Figo | $32 | $13 |
| Pumpkin | $56 | $23 |
Kentucky Pet Insurance Laws and Requirements
)
Kentucky doesn’t have specific pet insurance laws (only 14 states have special regulations for pet insurance). But Kentucky maintains comprehensive animal protection and vaccination laws that affect pet ownership throughout the state.
Rabies vaccination requirements: Kentucky law mandates that all dogs, cats, and ferrets receive rabies vaccinations by 4 months of age. You’ll need to have a licensed vet give your pet the vaccine, and you must keep their vaccination up to date.[4]
Pet licensing requirements: Most Kentucky counties require annual licensing for dogs and cats older than 6 months. You’ll need proof of rabies vaccination before you can get a license for your pet. License fees vary by county and whether or not your pet is neutered or spayed. For example, in Shelby County, the license fees for altered pets typically cost $10 annually, while unaltered pets cost $60.[5]
Animal cruelty laws: Kentucky law prohibits animal cruelty with specific criminal penalties for those who harm animals. Animal cruelty in the first degree, including causing four-legged animals to fight for pleasure or profit, is classified as a Class D felony.[6]
Bite reporting requirements: If your dog, cat, or ferret bites someone, they’ll have to quarantine for 10 days for rabies observation. Usually, the quarantine can take place at your home or a vet clinic.[7]
How to Pick the Right Kentucky Pet Insurance Company for You
)
Whether your pet enjoys an active outdoor lifestyle or is an indoor-only pet, living in Kentucky means exposure to regional health risks. You’ll want to protect your pet from tick-borne diseases, outdoor accidents, and extreme heat, so picking the right pet insurance coverage is particularly important.
Here are some tips to help you find pet insurance that’s right for your needs.
Evaluate your pet’s health risks. Consider your pet’s breed, age, and health history, and where you live in the state. For example, if your pet’s breed is prone to certain congenital or hereditary health issues, you’ll want a policy that covers those.
Choose your policy details. You’ll need to choose a deductible amount, coverage limits, and reimbursement rate that fit into your budget. Keep in mind that lower deductibles and higher reimbursement rates and coverage limits usually mean a higher premium. But a higher deductible, lower reimbursement rate, and lower coverage limit usually give you a lower premium.
Compare quotes from multiple companies. Get quotes from at least three different insurers. Pay attention to coverage limits, deductibles, and reimbursement rates. You may find significant price differences between companies.
Review coverage exclusions. Understanding what’s not covered is just as important as knowing what is. Pay special attention to pre-existing condition policies and waiting periods.
Consider your vet preferences. Most pet insurance works on a reimbursement basis. So it’s important to ensure your preferred Kentucky vet accepts the claim submission process from your chosen insurer.
Find the Best Company for Your Furry Friend
Pets Best, but it won’t be right for every Kentucky pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Kentucky Pet Insurance FAQs
From Louisville to Lexington and everywhere in between, Kentucky pet parents share common concerns about pet insurance costs, coverage options, and how policies handle the specific health risks pets face throughout the Commonwealth. Here are answers to some common questions.
What’s the best pet insurance in Kentucky?
It depends on your specific needs. But Figo offers the best overall value for dogs in Kentucky, while ASPCA provides excellent coverage for cats, according to our research. Both companies combine competitive rates with comprehensive coverage options and flexible policy features that work well for Kentucky pet parents.
What’s the average cost of pet insurance for dogs in Kentucky?
The average cost of pet insurance for dogs in Kentucky is $38 per month, according to Compare.com data. But several factors affect rates.
For example, pet parents of senior dogs typically pay $91 per month. The monthly average for purebred dogs is $54, and coverage for mixed breed dogs costs around $44 per month.
What is the average cost of pet insurance for cats in Kentucky?
Cat insurance in Kentucky averages $19 per month, according to Compare.com data.
Coverage for senior cats typically costs $48 per month. If you have a purebred cat, you can expect to pay an average of $30 per month to insure it.
Is pet insurance expensive in Kentucky?
Not really. Pet insurance in Kentucky hovers around the national average, running $38 per month for dogs and $19 for cats.
Is pet insurance worth it in Kentucky?
Pet insurance is extremely valuable in Kentucky, where pets commonly face tick-borne diseases like ehrlichiosis and Rocky Mountain spotted fever. Emergency treatments for these regional health risks and outdoor accidents make insurance a crucial financial protection.
What does pet insurance cover in Kentucky?
Pet insurance in Kentucky typically covers accidents, illnesses, surgeries, diagnostic tests, and prescription medications. Most policies include hereditary conditions and cancer treatment. Wellness care requires separate coverage, and most policies exclude incurable pre-existing conditions.
Disclosure
Our editorial team created this article with the help of highly trained generative artificial intelligence (AI) tools. That said, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all of the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- University of Kentucky Department of Entomology. "Ticks and Disease in Kentucky."
- The American Animal Hospital Association. "Insights on pet insurance in 2025: Costs, adoption, and more."
- CareCredit. "Veterinary Exam and Procedure Costs."
- Kentucky State Legislature. "SB 125, Chapter 28."
- Shelby County Kentucky. "Animal Control."
- Kentucky Legislature. "SB 24, Chapter 181."
- Kentucky Legislature. "Quarantine of animals suspected of having rabies.."
