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2024

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Best Pet Insurance Companies in Lexington

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lexington Pet Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

5313

Reviewed

3191

Curated

10

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
773 Lane Allen Road, Lexington, KY 40504
  • Policy Bundle Discount

Why choose this provider?

Gray Insurance is a locally owned, full-service agency serving clients in the Lexington metro. It represents various carriers that offer personal insurance products, including pet policies. Pet owners may get reimbursements for hospitalization, emergency vet visits, surgery, vaccination, and annual physical exam fees, depending on the deductible amount selected. The agency's representatives work closely with clients to help them search for the pet insurance policy and coverage suitable for them. Gray Insurance has worked on building relationships with its clientele for four decades.

License Verified:

License: 731055

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.4 / 5 (7)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
210 Old Mount Tabor Rd, Lexington, KY 40502
  • Policy Bundle Discount

Why choose this provider?

Denny Bridges is an agent who has been with Allstate Insurance company since 2007. He founded his agency in 2016 and offers pet health policies to cat and dog owners in Lexington. The policies mitigate costs in addressing health concerns, such as genetic conditions, allergies, cancer, diabetes, and hyperthyroidism. They cover lab work, hospitalization, surgery, and alternative therapies, including acupuncture and homeopathic medicine. Bridges also offers boat, motorcycle, renters, life, and all-terrain vehicle insurance.

License Verified:

License: 652062

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (16)
Facebook
5.0 / 5 (13)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
106 N Spalding Avenue, Lebanon, KY 40033
  • Policy Bundle Discount

Why choose this provider?

Energy Insurance Agency of Lebanon, Inc., has been serving the residents of Lexington and nearby areas since 1998. Its specialists put together a bundle of insurance protection for various risks. One of the personal lines products they offer is pet insurance, which financially protects dog and cat owners against veterinary costs. The team also works with individuals searching for life, home, auto, and farm coverage. One of the firm's agents, Brenda Spalding, has been in the industry for almost 50 years.

License Verified:

License: 615054

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1795 Alysheba Way #1101, Lexington, KY 40509
  • Policy Bundle Discount

Why choose this provider?

Renee Jackson Insurance Agency serves the residents of Lexington and its surrounding metros. It helps owners avoid paying costly veterinary bills caused by medical situations like illnesses and accidents through its pet coverage. The locally owned independent business also offers personal policy options for homes, rental properties, valuable possessions, autos, classic cars, and off-road vehicles. It has been delivering customized insurance solutions for more than two decades. The firm is a member of the Strategic Insurance Agency Alliance.

License Verified:

License: 888084

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (55)
Facebook
4.8 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1202 Winchester Rd, Ste 100, Lexington, KY 40505
  • Military Discount
  • Accident Only

Why choose this provider?

Reed Brothers Insurance provides pet policies in Lexington. The agency helps treat dogs and cats with critical conditions due to illnesses and accidents by reimbursing their medical fees. Its policies cover prescription medications, illness-related surgeries, as well as preventive care procedures, including teeth cleaning, tick and heartworm prevention, and diagnostic tests. Since 1912, the company has been working with various agencies to protect vehicles, properties, businesses, animals, and lives. These include Progressive, American Modern, and Farmers.

License Verified:

License: 399444

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
631 Chestnut St., Berea, KY 40403
  • Policy Bundle Discount

Why choose this provider?

Reynolds Insurance Agency, Inc., serves people with pets in Lexington. It provides insurance plans for dogs, cats, birds, and exotic animals. Pets are covered for accidents, genetic conditions, and cancer. Expenses for prescription medications, behavioral therapy, and specialist care are also reimbursed. Some of its pet insurance partners are American Modern, Allstate, The Hartford, and Progressive. Reynolds Insurance Agency has been operating since 1974. It is an independent agency serving the needs of individuals and businesses, including antique car and general liability insurance.

License Verified:

License: 398450

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2460 Shelbyville Road, Shelbyville, KY 40065
  • Policy Bundle Discount

Why choose this provider?

Turner Insurance Agency, Inc., provides solutions for clients in Lexington and surrounding areas. The independent agency offers pet health insurance for dogs and cats. Its plan protects pet parents financially in the event of sickness or accident occurs. RV, rental properties, bonds, auto, Medicare supplements, and life insurance policies are also available. Some insurance carriers it represents include Safeco, Clearcover, United Home, Allstate, and Progressive. The agency has been in the industry for over three decades.

License Verified:

License: 399248

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (22)
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1066 Wellington Way, Lexington, KY 40513
  • Policy Bundle Discount

Why choose this provider?

Greater Lexington Insurance Agency provides its products to business owners and individuals in the local metro and the surrounding areas. One of its offered products is pet insurance, which protects the pets in the family. Clients can choose from different types of coverage such as accidents only; accidents and illnesses; or accidents, illnesses, and other medical costs. The plan helps cover veterinary bills and other health care costs. The agency's other products are workers' compensation and individual life insurance.

License Verified:

License: 625828

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (57)
Facebook
4.8 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
200 North Main Street, Lexington, KY 42276
  • Policy Bundle Discount

Why choose this provider?

Moore Insurance Agency offers pet healthcare plans in Lexington. Its insurance providers reimburse medical bills from vet checkups, urgent care, and treatment of cats and dogs. They help extend a pet's life and protect clients from unexpected expenses. Since 2001, the independent insurance agency has been recommending customizable plans and benefit packages that fit a client's coverage needs. It also provides individual annuities, homeowners, auto, and business insurances. It carries various insurance companies, including Erie, Liberty Mutual, and Progressive.

License Verified:

License: 681711

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
80 Codell Drive Suite 110, Lexington, KY 40509
  • Policy Bundle Discount

Why choose this provider?

Andrew Wade provides risk management assistance from his location in Lexington. The State Farm agent provides pet insurance for individuals seeking to protect their dogs from accident-related injuries. He offers Trupanion, a pet protection plan that covers illnesses and breed-specific conditions like hip dysplasia and heart disease, and which helps pay for prosthetic devices and prescription medication. Andrew, who speaks Spanish and is a dog owner himself, comes from a family of insurance agents. He is one of the five risk management specialists in his family.

License Verified:

License: 1079205

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (178)
Facebook
5.0 / 5 (30)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • Is pet insurance a requirement in Lexington?

    No, getting pet insurance in Lexington is not required by law. Pet owners, on the other hand, have the option of using pet insurance as a valuable tool to protect themselves against unexpected veterinary expenses. This is also especially significant given the impact of inflation on the ever-increasing costs of veterinary care.

  • What are typical exclusions from pet insurance in Lexington?

    In Lexington, pet insurance policies vary in exclusions based on the provider and chosen coverage. These exclusions commonly include pre-existing conditions, hereditary and congenital issues, and chronic ailments like allergies or diabetes. Routine care, such as vaccinations and dental cleanings, along with prescribed medications and supplements, may also be excluded. It is crucial for pet owners to review policy terms thoroughly to comprehend the coverage limitations and select a plan that meets their pet's specific healthcare requirements.

  • Do all vets in Lexington accept pet insurance?

    Yes, people with pet insurance can choose any licensed veterinarian in Lexington to care for their pets. Pet insurance does not require veterinarian approval or acceptance because it works without networks or copays. Its primary goal is to provide reimbursement for qualified expenses incurred when receiving treatment from a licensed veterinarian.

  • What does pet insurance in Lexington covers?

    A pet accident plan in Lexington ensures that individuals receive reimbursement for their dogs' or cats' emergency veterinary expenses, minus any deductibles or extra copays. Pet insurance typically covers all or a portion of the veterinary care costs for the insured's sick or injured pets. In addition, some insurance policies may cover lost or stolen pets or provide a death benefit.

  • What percentage of reimbursement is offered for dog or cat insurance in Lexington?

    The reimbursement percentages for dog or cat insurance in Lexington vary depending on the policy terms and the insurance company, and are unaffected by the policyholder's location. These percentages, which typically range between 70% and 90%, determine how much a policyholder will receive as a refund for eligible veterinary expenses.

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