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2024

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Best Pet Insurance Companies in Kansas City

Our Recommended Top 6

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 Kansas City 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.

8495Reviewed

5099Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
17020 E US Highway 40, Ste 10, Independence, MO 64055
  • Policy Bundle Discount

Why choose this provider?

Chad VanderPol is an Independence-based Allstate agent who serves clients in the metro and nearby areas, including Kansas City. He offers numerous risk management products, including pet insurance. This covers costs incurred from injuries, serious health problems, and routine wellness care for dogs and cats. VanderPol has been providing Allstate policies since 2004. He and his agency give back to the community by supporting the Boys & Girls Club of Kansas City and Project Warmth.

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
4.5 / 5 (38)
Facebook
4.9 / 5 (23)
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
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Website
8413 Wornall Road, Kansas City, MO 64114
  • Multiple Carriers

Why choose this provider?

Payton Logan provides pet insurance to customers in Kansas City. The policy includes coverage for diseases, injuries, hereditary and congenital conditions, diagnostic tests, and medical treatments. Logan offers protection for various breeds of dogs and cats. His policies allow for multiple claims and cover pets for the rest of their lives. Payton has worked for firms that have received awards for providing excellent customer service and appropriately protecting policyholders. He has been working with State Farm Insurance since 2015.

License Verified:

License: 8378120

Missouri 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 (50)
Facebook
5.0 / 5 (5)

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
6300 Walnut, Kansas City, MO 64113
  • Multiple Policy Types

Why choose this provider?

Debbie Baker Krough is a State Farm agent who helps clients in Kansas City in protecting their pets. She offers insurance plans for all breeds of cats and dogs, preparing policyholders for their pets' unexpected medical expenses. She carries Trupanion's products, which cover pet illnesses, injuries, treatments, breed-specific conditions, and medications. Debbie also crafts home, auto, life, health, and business insurance plans. She has been serving clients in the area for more than 25 years.

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.
4.2
Google
4.0 / 5 (28)
Facebook
5.0 / 5 (7)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
204 SE 2nd St, Lee's Summit, MO 64063
  • Policy Bundle Discount

Why choose this provider?

Jason Langston is a Farmers Insurance agent who serves pet owners in Kansas City. As a local resident, Jason understands the complexities of insuring pets in the state and is able to help his clients assess their pets' immediate and future coverage needs. He also offers life, home, auto, and business insurance plans. Jason has been in the industry for more than 18 years. He has been given the Certified Insurance Counselor designation by The National Alliance of Insurance Education and Research.

License Verified:

License: 203915

Missouri 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.
4.4
Google
4.6 / 5 (22)
Yelp
1.0 / 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
7333 Broadway, Kansas City, MO 64114

Why choose this provider?

Craig Kenton serves the insurance needs of clients in Kansas City. The American Family Insurance agent provides policies for pets to help owners reduce the financial risks of veterinary costs. He offers a wide variety of products, which include car, homeowners’, life, motorcycle, renters’, and umbrella plans. In addition to personal lines, he carries special coverage options for apartment and condo associations, businesses, and farm and ranch owners. Kenton has over 15 years of industry experience.

License Verified:

License: 200869

Missouri 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.
4.2

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

Website
1300 E 104th Street Suite 210, Kansas City, MO 64131

Why choose this provider?

Alexa Barkley is a State Farm agent who offers insurance solutions in Kansas City. She provides pet, life, health, and renters' insurance products. Through State Farm's partnership with Trupanion, her office covers pet insurance concerns such as illnesses, injuries, breed-specific conditions, treatments, and medications. She and her team address clients' concerns regarding banking and annuities matters. Barkley has been in the insurance industry for more than 10 years. She holds a degree in Risk Management.

License Verified:

License: 8312106

Missouri 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
4.9 / 5 (193)
Facebook
4.7 / 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
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FAQs

  • What expenses does a standard pet insurance policy in Kansas City pay for?

    Standard pet insurance policies in Kansas City typically cover expenses resulting from accidents and illnesses. The insurance pays for emergency care, hospitalization, prescription medication, diagnostic testing, treatment, and surgery. Note that coverage varies per insurer; some insurance companies offer accident-only pet insurance. Also, preventative care like vaccinations, vet exams, and spaying and neutering are not covered. Insurers usually provide this coverage as an add-on or as a standalone policy.

  • When should you start insuring your pet in Kansas City?

    Pet insurance companies in Kansas City cover pets as young as eight weeks to as old as 14 years. Some insurers have no pet age limits. Almost all pet insurance companies do not cover pre-existing illnesses. So, it’s best to insure your pet while young before it develops a condition.

  • What exclusions do pet insurance policies commonly have in Kansas City?

    Pre-existing conditions are generally excluded from pet insurance coverage. Some Kansas City insurers would only cover it if the condition is curable and is already cured and symptom-free during enrollment. Other exclusions are preventative care like vaccinations, cosmetic or elective services, breeding procedures, and pet boarding or daycare. Routine dental care is also usually excluded, but if your pet had an accident that broke its tooth, that condition may be covered.

  • How much will a pet insurance policy in Kansas City cost you?

    The average pet insurance in Missouri is $26 per month for dogs and $19 for cats. Generally, your premium will be based on your location and your pet’s age and breed. A policy for a 10-year-old dog would cost you $1,255.32 on average yearly versus $402.48 for a puppy. Also, cats are cheaper to insure. Kansas City cat owners may expect to pay only around $230.88 for a kitten’s annual premium.

  • Do you have to pay your veterinarian upfront or will your pet insurance company in Kansas City pay the veterinarian directly?

    Pet insurance usually works by reimbursement. You pay your Kansas City veterinarian upfront then submit a claim to your insurer. The insurer will send you a check or make a deposit to reimburse a percentage of your vet bill. This is the general procedure, but there are pet insurance companies, like Pets Best and Trupanion, that can send payment directly to the vet. The percentage your insurer reimburses depends on your policy. It typically ranges from 50% to 90%.

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