Best Pet Insurance In Kentucky: Companies Reviewed In Lexington, Louisville & More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

a happy brown lab looking up at camera smiling with dogs around them in Kentucky

When it comes to four-legged friends, the Bluegrass State is best known for its rich horse racing culture, but Kentuckians are also huge dog lovers. And the state is filled with fun adventures for you and your canine companion. Explore the many state park trails, go caving in Louisville’s Mega Cavern, tour the Bourbon Trail, enjoy lakeside camping, or hike to Cumberland Falls, the Niagara of the South.

However, these adventures and even everyday life come with the risk of accidents or exposure to doggy illnesses. The good news is that Lexington and Louisville rank in the top 35% of America’s largest cities for superb pet health care and lower-than-average pet insurance premiums.

But no matter where you live in the Bluegrass State, pet insurance can help you get the quality veterinary care your furry friend needs without worrying about how you’ll pay for unexpected, expensive vet bills. We’ve thoroughly researched the best pet insurance in the U.S., and most of our top-ranked providers offer coverage in Kentucky.

Pet Insurance RankingBest OverallBest ValueFastest Claim ProcessingBest Multiple Pet DiscountBest Newcomer
CompanyPets BestFigoHealthy PawsEmbraceLemonade
Policy CoverageExtensiveExtensiveMore LimitedExtensiveMore Limited
Customer Service & ReputationGoodExcellent, StableExcellent, StableExcellent, StableUncertain, New
Claim Processing (avg)7-14 Days3 Days2 Days5 Days2 Days
Vet Direct Pay Option
Policy Price (avg)LowerLowerVariableHigherAverage
Plan CustomizationsMany OptionsMany OptionsRestricted OptionsMany OptionsMany Options
 Read ReviewRead ReviewRead ReviewRead ReviewRead Review

A dog’s breed is one of the determining factors for your pet insurance policy cost. Below are the five most popular dog breeds in Kentucky.

  1. Labrador Retriever
  2. Goldendoodle
  3. Golden Retriever
  4. Australian Shepherd
  5. Beagle

How Much Is Pet Insurance In Kentucky?

Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2021 was $48.66 ($28.57 for cats).

Since prices vary based on where you live and your pet’s unique characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from several top providers when you fill out one quick and easy form. This allows you to see how companies compare price-wise. With most companies, you can adjust your monthly premium to meet your needs better. Reducing the deductible, reimbursement percentage, and annual payout can lessen it to fit a lower budget better.

Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple charts to help you see key differences between coverage, waiting periods, age limitations, and more.

Which Kentucky Cities Are Most Pet Friendly?

Although Kentucky ranks fairly low on several different lists of the most pet-friendly states (largely due to inadequate animal welfare laws), your state has a lot to offer pups and their owners. According to Pawsafe‘s analysis of the best states to travel with dogs, Kentucky is the 8th best state for pet-friendly accommodations and the 12th best for the percentage of pet-friendly restaurants.

And your state’s two largest cities are among the best in the country for dogs. Below are the rankings for the most pet-friendly cities in Kentucky based on the 100 largest U.S. cities. The scores are from 1 to 100, with 1 being the best city and 100 the worst.

Note: Cities outside of Kentucky were excluded from this table.

 Most Pet-Friendly CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***
Lexington-Fayette7101093
Louisville48352296

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.
**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.
***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita. 

Pet Insurance Claim: Cost And Reimbursement From A Kentucky Customer

Person on computer checking pet insurance quotes (Caption: Save Money on Vet Bills, Button: Get Free Quotes)

Below is a real-life pet insurance claim from a Healthy Paws customer in Kentucky.

  • Location: Lexington, KY
  • Condition: Foreign Body Obstruction Surgery
  • Total Vet Cost: $2,500
  • Reimbursement: $2,150
  • Amount Customer Paid: $350

Should I Get Pet Insurance?

Pet insurance provides peace of mind knowing you’ll never have to choose your wallet over your dog’s health. Our pets’ health can change in the blink of an eye, increasing stress and worry about them. Thankfully, pet insurance lessens the financial burden so that you can focus on your pup’s health instead of your bank account. Learn more about why pet insurance is worth considering.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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