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

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Dogs and cats fill our days with unconditional love, fun and comfort. At some point in your little pet’s life, however, there will likely be a time when an emergency happens, and they need to get urgent care from a veterinarian. Emergencies can be super stressful and incredibly costly – but not if you’ve got pet insurance. Pet insurance is a way to get financial help when you’re in such a scary situation. Want to find the best pet insurance companies for Kentucky residents? Here is our well-researched list so that you can choose the best fit for you and your furbaby.

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Enjoying a morning stroll together!

5 Top Dog & Cat Insurance Companies Compared for Kentucky

  • 1. Wagmo

    (Best for wellness)

    Why it’s great: Pet parents in Kentucky love Wagmo because once you have reached your deductible for the year, they reimburse you for up to 100% of your veterinary fees for the remainder of the year. In addition to that, they offer a wide range of wellness plan add-ons, and super speedy reimbursement using Paypal, Venmo or direct deposit. Another cool factor is that you can get discounts for multiple pets and discounts if you haven’t made any claims in the last year. With Wagmo, you can take your pet to any licensed vet you want to, which is a great feature if you already love and trust your furbaby’s vet.

    Keep in mind: With Wagmo you’ll have a lifetime payout limit of $100,000 – so if you reach that amount, your pet’s coverage ends.

    Good for: Pet parents looking for the perfect combination of wellness and care coverage. 

    Average price for DOGS in Kentucky: $36.00/month 

    Average price for CATS in Kentucky: $36.00/month

  • 2. Figo

    (Best for cats)

    Why it’s great: If you’re a cat parent, it’s good to know that Figo’s premiums for cats are some of the lowest you’ll be able to find. Pet health emergencies often seem to happen after hours, so Figo offers live, 24/7 vet care through an easy-to-use mobile app. They also offer a variety of wellness packages that you can add to your basic policy, including one option that pays for $250 of prescription food if your vet prescribes it for your kitty. There’s no lifetime limit to benefits on any of Figo’s plans, so you don’t need to worry about coverage ending after your pet insurance has covered a certain amount.

    Keep in mind: Figo, like most pet insurance companies, doesn’t cover pets with pre-existing conditions.

    Good for: Kentucky pet parents who want to have peace of mind knowing they can contact a vet anytime 24/7 and have insurance cover the cost. 

    Average price for DOGS in Kentucky: $27.94/month 

    Average price for CATS in Kentucky: $14.10/month

  • 3. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp protects up to 6 pets under one emergency fund, no matter how old or what breed your pet is, or even if it has pre-existing conditions, for $24 a month. This package also gives you 24/7 unlimited access to telehealth appointments with licensed vets, as well as consultations with pet experts. Pet owners can go to any licensed veterinarian they choose, and on top of that, you won’t find any copays, deductibles or credit checks. You can leave the veterinary clinic with a clear mind, because your bill will be fully paid – no more lengthy processes of submitting claims and waiting to be reimbursed.

    Keep in mind: Pawp will only cover claims for issues that their team of virtual vets deem a true emergency. Also, their “Emergency Fund” plan will only cover one pet, one time, up to an amount of $3,000 per year.

    Good for: Pets who are older or who have pre-existing conditions. It also makes a great supplement to a typical pet insurance policy. 

    Price: $24/month

  • 4. Embrace

    (Best established brand)

    Why it’s great: Your dog or cat will be eligible for coverage until well into their lives with Embrace, because they don’t have a maximum lifetime payout amount. There are discounts for multiple pets and “diminishing deductibles”. That means every year you go without filing a claim, your deductible automatically lowers by $50. The optional routine care plan can cover spaying or neutering your pet. One unique feature of Embrace’s coverage is their wellness plan, which allows for alternative vet treatments like massage, acupuncture, chiropractic and reiki.

    Keep in mind: Your pet can be a maximum of 14 years old to be eligible. What’s more, the wellness add-on’s maximum combined claims is $650 per year, giving you about $25 in annual savings. Also, any amount that you don’t use from your wellness plan within a year will be forfeited.

    Good for: Pet parents who would like to try new age, alternative veterinary treatments. 

    Average price for DOGS in Kentucky: $40.76/month 

    Average price for CATS in Kentucky: $23.81/month

  • 5. Eusoh

    (Best Pet Health Sharing Community)

    Why it’s great: Eusoh is an alternative to traditional pet insurance companies, they are a health-sharing community that shares expenses amongst the members. Eusoh’s members get reimbursed for veterinary expenses related to accidents, illnesses and preventative care and can often save up to 50% on bills. Eusoh has some great additional perks like televet services provided by their partner FirstVet and the freedom to choose the veterinarian of your choice.

    Keep in mind: Eusoh is not a pet insurance company but rather an expense-sharing community. 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 Kentucky: $62.58/month 

    Average price for CATS in Kentucky: $40.94/month

Best Overall

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

Average price for DOGS in Kentucky: $36.00/month 

Average price for CATS in Kentucky: $36.00/month

FAQs About Pet Insurance in Kentucky

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

    Each pet insurance company is different, but you can expect that any medical emergency that’s deemed unexpected and sudden will be covered. Your individual policy will give you more specifics, but typical inclusions are exams, tests, other diagnostic procedures, medications, emergency care and surgery.

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

    Pet insurance in Kentucky costs anywhere from $12.76 to $38.50 per month for dogs (based on prices for a healthy 2-year-old located in the 40507 zip code). And anywhere from $11.94 to $14.86 per month for cats (based on prices for a healthy 2-year-old located in the 40056 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 dog or cat insurance after I make a claim?

    No matter which pet insurance company you choose, you can typically cancel your policy at any time. To do this, you’ll need to notify your provider in writing. It’s a good idea to read through the policy details of each company to see what their specific cancellation process entails. Keep in mind, though, that if your pet has any illnesses diagnosed before canceling, they might be determined pre-existing conditions if you want to reinstate your policy later.

  • 4. Do Kentucky pet insurance companies cover spaying and neutering?

    For the most part, pet insurance in Kentucky doesn’t cover spaying or neutering your cat or dog. In saying this, some insurance companies offer wellness packages that include these procedures, like Embrace .

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

    Yes, monthly premiums do intend to go up as your pets grow older, particularly once they’ve reached age 4 or 5. This is because the likelihood of your pet getting sick goes up as they age, and the pet insurance company has to account for the elevated risk.

  • 6. Which companies cover pre-existing conditions?

    The best pet insurance for covering pre-existing conditions is Pawp , especially when it’s an emergency. Embrace also has policy terms that might cover curable pre-existing conditions, but it’s a good idea to clarify that with them when you are signing up for pet insurance. It’s vital to note that most pet insurance companies will not cover pre-existing conditions whatsoever. The good news is, you have options if you need a policy for your beloved cat or dog with a pre-existing condition.

  • 7. Is pet insurance worth it in Kentucky?

    No matter how much we don’t want to consider it, there will be a health emergency like an accident or illness at some point in every pet’s life. Pet insurance is a great way to be able to afford the costs in those situations. Therapies for diseases like cancer can cost you over $10,000, and hip replacement surgery costs more than $7,000. Pet insurance helps to take off some of the stress when you are already worried enough about your beloved pet.

  • 8. What are some common reasons for pet insurance claims in Kentucky?

    Common reasons why pets visit the emergency vet in Kentucky are:

    • Heatstroke
    • Elbow and hip dysplasia
    • Diabetes
    • Respiratory infections
    • Vomiting
    • Diarrhea
  • 9. What are the best ways to keep my pet healthy in Kentucky?

    If you want to avoid trips to the emergency vet clinic, there are ways you can minimize risks to your pet’s health while living in Kentucky. Keep them up to date on their vaccinations (yes, even for indoor cats) because rabies is a very real threat in Kentucky. Keep your pets cool in the summertime and provide lots of water for them to drink, as they can easily get heatstroke. Routine care visits to the vet office can help detect any health issues before they become a big problem.


We hope you found some real help in this article when choosing the right pet insurance company. Take the necessary time to carefully review the companies you are interested in, along with what they offer, before you commit to applying for a policy. Purchasing the best Kentucky pet insurance policy will provide your little friend the coverage they deserve for both emergencies and preventative care, keeping them healthy and happy for many years to come.

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 40507 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