Get the Best Pet Insurance in Kansas in 2025
Sponsored by Figo Pet Insurance
If you’re a pet owner in Kansas, finding the right pet health insurance can be tough. You want a plan that fits your budget while offering solid coverage to keep your furry friend healthy and happy. Whether you’ve got an energetic puppy or a laid-back older cat, having the right policy can make all the difference when facing unexpected vet bills.
But with so many options out there, how do you choose the best one for your pet’s needs? In this guide, we’ll walk you through the essentials of pet insurance in Kansas. From coverage options and costs to the top providers in the Sunflower State, we’ve got you covered.
Summary: Best Kansas Pet Insurance Ratings

AKC Pet Insurance
Best for pets with pre-existing conditions
Max Annual Coverage
Unlimited
Reimbursement Choices
70%, 80%, 90%
Deductible
$100-$1,000

ASPCA Pet Insurance
Best for wide-ranging coverage
Max Annual Coverage
Unlimited
Reimbursement Choices
70%, 80%, 90%
Deductible
$100-$500

Embrace
Best for flexible policy options
Max Annual Coverage
Unlimited
Reimbursement Choices
70%, 80%, 90%
Deductible
$100-$1,000

Felix
Best for cats
Max Annual Coverage
$15,000
Reimbursement Choices
70%, 80%, 90%
Deductible
$100-$500

Figo
Best for reimbursement options
Max Annual Coverage
Unlimited
Reimbursement Choices
70%, 80%, 90%
Deductible
$100-$750

Pets Best
Best for senior pets
Max Annual Coverage
Unlimited
Reimbursement Choices
70%, 80%, 90%
Deductible
$50-$1,000

Pumpkin
Best for puppies and kittens
Max Annual Coverage
Unlimited
Reimbursement Choices
90%
Deductible
$100-$1,000

Spot
Best for straightforward waiting periods
Max Annual Coverage
Unlimited
Reimbursement Choices
70%, 80%, 90%
Deductible
$100-$1,000
Comparison information is provided using publicly available information as of 12/20/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.
How Much Does Pet Insurance Cost in Kansas?
According to our research, Kansas pet insurance costs an average of $31 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $51 a month*.
We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Kansas cities: Wichita, a major urban center, and Newton, an average-sized city for the state.
It's important to note that your own Kansas pet insurance cost will depend on factors such as:
- Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
- Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
- Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
- Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.
Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.
Cost of Pet Insurance for Dogs in Kansas
Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Kansas is $31 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $51 monthly.
Cost of Pet Insurance in Kansas by Dog Breed
According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Kansas:
Cost of Pet Insurance for Cats in Kansas
Pet insurance for cats is significantly cheaper than dog insurance in Kansas. The average monthly cost for cat insurance in the state ranges from $13 to $30, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.
Cost of Pet Insurance in Kansas by Cat Breed
In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Kansas pet insurance, here are the average monthly rates for these breeds:
Cost Comparison for Pet Insurance Companies in Kansas
Types of Pet Insurance Plans
Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness
This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.
Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only
Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care
Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions
Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.
However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.
Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement
Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.
Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.
Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.
How to Find the Best Pet Insurance in Kansas
When selecting pet insurance, Kansas pet owners should consider the state's unique environmental factors that could impact their furry friend's health.
Kansas' hot summers increase the risk of heat-related illnesses like heatstroke and dehydration in pets. Providing shade and fresh water is essential during these months. Additionally, mosquitoes in Kansas can transmit heartworm disease, making year-round preventive care essential.
The state's rural areas expose pets to wildlife such as coyotes and venomous snakes, which can lead to injuries. Supervision during outdoor activities can help prevent these encounters. Kansas also experiences severe weather, including tornadoes and thunderstorms, which can cause anxiety and stress in pets. Having an emergency plan that includes your pets is advisable.
When choosing pet insurance in Kansas, look for a plan that offers comprehensive coverage, including preventive care, emergency treatments, and protection against environmental risks common in the state. This will help ensure your pet stays healthy and well-protected all year round.
Here are some important features to keep in mind when selecting the best pet insurance plan in the Sunflower State:
- 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially important in a state like Kansas, where pets may encounter unique challenges such as extreme weather conditions or dangerous wildlife.
- Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
- Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
- Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
- Vet exam fees coverage. While veterinary costs in Kansas are generally lower than in many other states, having coverage for exam fees can lead to significant long-term savings.
- Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.
Kansas Pet Laws
Kansas, with its vast prairies and agricultural heritage, has established laws to protect animals and promote responsible pet ownership. Here’s a look at important regulations for pet owners in the state:
- Dog laws. Kansas enforces specific dog regulations, including licensing, care standards for kennel dogs, and measures to protect livestock from harm caused by dogs.
- Animal cruelty. It's illegal in Kansas to knowingly kill, injure, torture, or maim any animal. Other prohibited acts include abandonment, failure to provide food or care, horse-tripping, and poisoning domestic animals. Penalties range from misdemeanors to felonies, with exceptions for veterinary practices, farming, research, pest control, euthanasia, and rodeos.
- Unclaimed animals. If an animal is left unclaimed with a veterinarian for more than 10 days after the owner is notified by registered mail, the animal is considered abandoned. The veterinarian can then rehome the animal through a shelter or dispose of it in another lawful way.
- Vehicle entry for animals. A person can legally enter a vehicle to rescue a domestic animal without being held liable for damage, provided certain conditions are met. The law applies to pets like dogs and cats but excludes livestock.
- Pet trusts. Kansas law allows owners to create a trust for the care of their animals during their lifetime. The trust ends when the animal – or the last surviving animal in the case of multiple pets – dies. Trust funds can only be used for the animal’s care unless a court finds the amount excessive.

Wichita Pet Laws
Wichita, home to the iconic Keeper of the Plains statue and a hub of aviation history, enforces pet laws to encourage responsible ownership and protect animal welfare. Below are key regulations for pet owners in the city:
- Licensing and vaccinations. All dogs over five months old must be licensed annually with the City Treasurer. Dogs, cats, and ferrets over five months old are also required to be vaccinated against rabies by a licensed veterinarian. Veterinarians must certify rabies vaccinations and provide city-approved forms for licensing.
- Running at large. It's unlawful for animals, except cats, to run at large in Wichita. Dogs must be confined within a secure fenced area, shelter, or operating electronic fence with clear markers. When outside these areas, they must be leashed or otherwise controlled. Exceptions apply for dogs in designated dog parks.
- Cruelty to animals. Wichita prohibits animal cruelty, including acts such as killing, injuring, or abandoning an animal and failing to provide adequate food, water, shelter, and exercise. Leaving an animal in unsafe conditions, like a hot vehicle, or using objects to harm livestock is also illegal. Penalties include fines, imprisonment, or both.
- Animal Control Advisory Board. Wichita has an Animal Control Advisory Board that advises the city’s animal control division. This board promotes responsible pet ownership, humane treatment, and public safety. Members are appointed by the city council and include a local rescue group representative and a veterinarian selected by the mayor.

Overland Park Pet Laws
Overland Park, known for its beautiful Arboretum and vibrant downtown, ensures a harmonious relationship between pets and the community with its comprehensive animal ordinances. Here’s what every pet owner in Overland Park needs to know:
- Licensing and vaccinations. All dogs and cats over six months old must be licensed annually. Proof of current rabies vaccination is required. Licenses must be obtained within 30 days of bringing a pet into the city or when it reaches six months of age. Fees are due by June 30th, and prorated fees apply for new pets after mid-year.
- Animal control. Dogs must stay on their owner’s property unless leashed (maximum length of 10 feet) and under control. Vicious dogs must also be muzzled when off-property. Cats are not allowed to roam freely if they cause complaints, injury, or property damage. Electric fences cannot be used in front yards or within 10 feet of public sidewalks.
- Pet limits and permits. Households are generally limited to two dogs and two cats. Owning more requires a "Special Animal Permit," ensuring humane care and no disturbances. Permits are also available for breeders and foster homes, with specific care standards.
- Cruelty and neglect. Harm, abandonment, and neglect of animals are prohibited. Dogs may be tethered outdoors only between 7:00 a.m. and 7:00 p.m. for a maximum of 30 minutes without supervision. Tethered dogs must have access to shade and shelter. Offering live animals as prizes or incentives is also banned.

Kansas City Pet Laws
Kansas City, Kansas, known for its rich history and vibrant community, also prioritizes animal and community safety. Here are the key regulations every pet owner should keep in mind:
- Animal care requirements. Pet owners must provide adequate care, including proper food, water, shelter, grooming, and healthcare to maintain their animals' well-being.
- Animal limits and restrictions. Keeping more than three dogs or cats over 120 days old, or a combination exceeding six, is not allowed without a permit. Wild or exotic animals are prohibited as pets, with exceptions for licensed facilities like zoos and circuses. Common pets such as ear-tipped feral cats, ferrets, rabbits, and pet birds are exempt.
- Registration and vaccinations. All dogs and cats over six months old must be registered annually with proof of a current rabies vaccination. Animals offered for sale or given away must be dewormed or certified by a veterinarian to be free of parasites.
- Nuisance and dangerous animals. Excessive noise, property damage, or running at large is not permitted. Dangerous animals that have bitten or killed another pet must be securely confined, leashed, and muzzled when outside. Vicious animals that have caused severe harm or death to people are not allowed within city limits.
Common Pet Risks in Kansas
Kansas’ mix of plains, rural landscapes, and urban areas presents a range of challenges for pets. As a pet owner in the state, it's important to be aware of these risks to keep your furry companions safe and healthy throughout the year.
- Heat-related illnesses. Kansas’s hot, dry summers can lead to dehydration and heatstroke in pets, especially during outdoor activities. Ensuring pets have fresh water, shade, and avoiding exercise during peak heat hours is essential to prevent these conditions.
- Tick and mosquito-borne diseases. Ticks in Kansas can carry diseases like Lyme disease and ehrlichiosis, while mosquitoes are known to transmit heartworm. Regular tick checks and year-round preventative treatments are critical for protecting pets from these parasites.
- Wildlife encounters. Rural and wooded areas in Kansas are home to wildlife such as coyotes, skunks, and venomous snakes like copperheads and rattlesnakes. Encounters can result in injuries or disease transmission. Supervising pets outdoors and keeping them on leashes can reduce these risks.
- Severe weather. Kansas’s location in the heart of Tornado Alley makes it prone to severe storms and tornadoes, which can create sudden emergencies for pets. Strong winds, flooding, and hail can lead to injuries or displacement. Having an emergency plan that includes pets is vital for their safety during severe weather.
- Cold weather risks. While Kansas winters are generally mild, extreme cold spells can lead to frostbite and hypothermia for pets exposed to freezing temperatures. Providing adequate shelter and limiting outdoor time during cold snaps is essential for their well-being.
Veterinary Costs in Kansas
According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Kansas is $63. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:
Best Pet Insurance by City in Kansas
As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Kansas:
Methodology
The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Kansas. However, we recommend conducting your own research, speaking to a licensed vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.
Best Pet Insurance in Kansas FAQs
Pet insurance operates similarly to human health insurance. After choosing a plan, you pay a monthly premium to keep coverage active. If your pet needs veterinary care, you first pay out of pocket then submit a claim to your insurance provider.
Depending on your policy details, you may be reimbursed for a significant portion of the cost, after meeting any deductible and considering your reimbursement rate and policy limits.
Recommended Resources
- 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
- Compare and Contrast Pet Insurance Providers
- How Are Pet Wellness Plans Different from Pet Insurance?
- Is Pet Insurance Worth It for an Indoor Cat?
- Pet Insurance: What It Covers
- Pet Insurance for Kittens
* Average prices were calculated using research based on quotes obtained from publicly available quote tools, utilizing Kansas zip codes. Specifically, quotes were gathered for Wichita (67203) and Newton (67114). The quotes were generated for a 3-year-old male mixed-breed dog with a $250 deductible, 80% reimbursement rate, and a standard Accident and Illness plan. The quotes were obtained during the period of December 15 – December 20, 2024.
** Average prices were calculated using research based on quotes obtained from publicly available quote tools, utilizing Kansas zip codes. Specifically, quotes were gathered for Wichita (67203) and Newton (67114). The quotes were generated for a 3-year-old male mixed-breed cat with a $250 deductible, 80% reimbursement rate, and a standard Accident and Illness plan. The quotes were obtained during the period of December 15 – December 20, 2024.
The information presented in this article is for educational and informational purposes only and does not constitute or substitute for the advice of a veterinarian.