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5 Best Kansas Pet Insurance for Dogs & Cats (2022 Reviews)

Kansas countryside
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Our furry companions provide joy and affection and ask little in return. Taking care of them means being ready for whatever happens, and if you’re reading this article, you’re thinking about pet insurance for your dog or cat. Throughout the lifetime of your pet, unexpected accidents and illnesses are likely to occur, causing stress to you and your pet, along with a hefty price tag. Pet insurance is one way to prepare yourself for life’s emergencies financially. Below we review the 5 best companies for Kansas residents to help you decide which option is best for you and your pet.

Playing with dog in Kansas
Enjoying a beautiful morning with a furry friend :)

5 Top Kansas Pet Insurance for Dogs & Cats

  • 1. Wagmo

    (Best for wellness)

    Why it’s great: Once you reach your annual deductible with Wagmo, they will reimburse up to 100% of vet fees for the rest of the year. They offer Kansas pet parents quick reimbursements through direct deposit, PayPal, or Venmo. Plus they have a wide range of wellness plan options to add to a basic policy. If you have several pets, Wagmo has a multi-pet discount and you can still go to your favorite veterinarian or any licensed vet. You can also get a discount if you renew a policy without any claims in the previous year.

    Keep in mind: Wagmo does have a lifetime payout limit, and what that means is once claims reach $100,000, coverage will end for that policy.

    Good for: Pet parents who are looking for a solid combo of wellness and medical coverage.

    Average price for DOGS in Kansas: $39.07 per month

    Average price for CATS in Kansas: $23.84 per month

  • 2. Figo

    (Best for cats)

    Why it’s great: Ideal for cat parents, Figo has some of the lowest monthly premiums for cat insurance. They also recognize that not all medical emergencies occur during “normal business hours” so they offer live, 24/7 veterinary support through their mobile app. Figo has several wellness packages, including an option that will pay up to $250 if your veterinarian orders prescription food.

    Keep in mind: Figo does not cover pre-existing conditions, which is common among pet insurance companies.

    Good for: Anyone who would like the option to contact a vet 24/7 while having it covered by insurance.

    Average price for DOGS in Kansas: $29.46 per month

    Average price for CATS in Kansas: $14.86 per month

  • 3. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp will cover up to 6 of your pets under an emergency fund regardless of age, breed, or pre-existing conditions. The package includes unlimited 24/7 access to telehealth services with a licensed veterinarian or a consultation with pet experts. You can stay with the same beloved vet you already use as the fund can be used at any licensed vet. The best news is your bill will be fully paid when you leave with no copays, deductibles or credit checks.

    Keep in mind: Before you go to the vet clinic, Pawp’s virtual vets will need to pre-authorize that the visit is an emergency. Also, the plan is an emergency fund so it will only cover one pet for a single vet bill up to $3,000 annually.

    Good for: The emergency fund would be a good supplement to a typical pet insurance policy or a good fit for older pets or those with pre-existing conditions.

    Price: $24 per month

  • 4. Embrace

    (Best established brand)

    Why it’s great: Embrace offers coverage well into your pet’s senior years with no maximum lifetime payout limit, they offer discounts to insure multiple pets and an optional routine care plan that covers spay or neuter procedures. Embrace highlights their “diminishing deductibles” where your annual deductible drops by $50 each year without insurance claim reimbursement. They have unique wellness plans that include alternative veterinary treatments like reiki, massage therapy, acupuncture or chiropractic visits.

    Keep in mind: Embrace insurance plans are only available to pets up to the age of 14. The wellness add-on claims can only total $650/year, resulting in up to $25 in annual savings. Be aware there are no refunds on wellness plan funds nor do those monies roll over to the next year.

    Good for: Pet parents who are interested in new age, alternative veterinary care.

    Average price for DOGS in Kansas: $37.75 per month

    Average price for CATS in Kansas: $22.05 per month

  • 5. Eusoh

    (Best pet health sharing community)

    Why it’s great: Eusoh is not a pet insurance company. Compared with traditional insurance, Eusoh can save members 50% or more in vet bills through community sharing. Members are reimbursed for preventive care, accidents, and illnesses. Two more great product features are FirstVet, Eusoh’s tele-vet partner, and the ability to choose your own vet.

    Keep in mind: As an expense-sharing community, Eusoh is not pet insurance. Their maximum annual reimbursement is $8,500, and their top reimbursement rate is 80%.

    Good for: Peer-to-Peer community coverage.

    Average price for DOGS in Kansas: $62.58/month

    Average price for CATS in Kansas: $40.94/month

Best Overall

Wagmo is our overall top recommendation. It’s the most comprehensive pet insurance provider in Kansas and they also offer the best value.

Average price for DOGS in Kansas: $39.07 per month

Average price for CATS in Kansas: $23.84 per month

FAQs about Pet Insurance in Kansas

  • 1. What does pet insurance typically cover for dogs and cats?

    Pet insurance plans will vary, but you can generally expect them to cover new injuries and illness. This could include things like diagnostic tests such as blood work, x-rays, MRIs; surgery and hospitalization; cancer treatment including chemo; or prescription medication, to give some examples.

  • 2. How much does pet insurance cost in Kansas?

    Pet insurance in Kansas costs anywhere from $13.46 to $40.62 per month for dogs (based on prices for a healthy 2-year-old located in the 64111 zip code). And anywhere from $12.59 to $15.69 per month for cats (based on prices for a healthy 2-year-old located in the 64111 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Wagmo who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my pet insurance plan after I make a claim?

    Most pet insurance companies will allow you to cancel a policy as long as you submit it in writing. It’s a good idea to review your policy’s specific cancellation process to avoid surprises. Suppose your pet received any diagnosis under the plan before you cancel. In that case, those will likely be considered pre-existing conditions if you wished to have the policy reinstated at a later date.

  • 4. Do Kansas pet insurance companies cover spay/neuter?

    Typically spay/neuter is not something covered under Kansas pet insurance policies. However, a few providers like Embrace will cover these procedures under a wellness plan, so check ahead.

  • 5. Does the cost of insurance increase as my pet ages?

    Unfortunately, as your pet ages, they are more likely to get sick or have an unexpected injury. To absorb some of this risk, companies begin raising rates once a pet reaches 4 to 5 years old, and you can expect the premiums to increase annually. Pay particular attention to pet insurance plans that will stop offering coverage once they hit senior years, usually around 14 years.

  • 6. Which companies cover pre-existing conditions?

    Most pet insurance companies will not. Pawp may cover an emergency even if it is related to pre-existing conditions. Embrace may grant coverage for curable pre-existing conditions under certain policy terms but it’s best to clarify with them upfront before purchasing a plan.

  • 7. Is dog or cat insurance worth it in Kansas?

    Like auto insurance for humans, pet insurance for pets is a proactive step that gives you peace of mind. While there is a chance it may never be used, the reality is unexpected medical concerns are likely during the lifetime of your pet. Pet insurance allows you to anticipate those high vet fees associated with some procedures and avoid the stress of these emergencies.

  • 8. What are some strategies to keep my pet safe in Kansas?

    During the hot, humid summers in Kansas, it’s important to have cool, clean water available for your pets at all times. If they have access to the outdoors while the sun is out, make sure there is a shaded space where they can get out of the sun’s rays. Pets can overheat, which results in heat exhaustion and even strokes, so always monitor your pet. Exercise like walks or running should occur in the early morning hours or late in the day after the sun goes down. Did you know that hot pavement can burn your pet’s paws? If the concrete is hot when you place your hand on it, it is too hot for your pet. NEVER leave your pet in a car for any time in the summer as the temperature rises quickly, often 20 degrees hotter than outside the car.


We hope the article gives you a snapshot of pet insurance that is available in Kansas. It’s a good idea to review each plan to make sure it includes items that will benefit your pet specifically. Buying the right pet insurance for your cat or dog will cover them for life’s unexpected accidents and injuries, and give you peace of mind so you can focus on other things, like enjoying your time with your furry companion.

In our experience, after careful review, we’ve consistently seen Wagmo has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 64111 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500