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Award-Winning Pet Insurance in Kansas for Dogs and Cats

Five Minutes Mar 23, 2023

With its grassy hills, rolling plains, forests, valleys, and rock outcrops, Kansas has plenty of natural wonder to behold, but with such a lush climate can come harsh weather. Whether you live in Topeka or Colby, Kansas pet parents may be wondering how to better protect their furry family members.

MetLife Pet offers award-winning1 dog and cat insurance that we strive to keep at affordable rates to help cover pet care expenses. Read on to learn more about pet insurance in Kansas and how it can help you care for your pet.

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Why Pet Insurance May Be a Good Idea if You Live in Kansas

No matter what kind of lifestyle you lead with your pet, or where you live in Kansas, there are potential risks and health conditions that could result in a trip to the veterinarian.

According to our MetLife Pet Parent Study, 54% of pet owners are worried about affording future pet care costs — that includes unexpected vet visits. However, 46% of pet parents aren’t taking advantage of resources, like pet insurance, that could help alleviate the financial needs that come with owning a pet.

Whether you’re hiking in the eastern forests or checking out the OZ museum with your pet, you may be wondering if pet insurance is worth it. Both routine care and unexpected vet visits may be covered by MetLife Pet policies, helping to make pet care more affordable when you need it.

Why Choose a MetLife Pet Insurance Policy?

Looking for the best pet insurance in Kansas can be overwhelming with all of the available plan options, coverage, and costs. MetLife Pet, winner of the “Pet Insurance of the Year” award at the 2022 Pet Innovation Awards, offers customizable policies that aim to provide maximum coverage while keeping costs low.

Here are some reasons you may find MetLife Pet to be a great choice for you:

  • You can visit any licensed veterinarian for pet care, there are no networks to deal with.
  • We have a family plan that allows you to put up to three pets on one policy with a shared deductible.2
  • There aren’t any breed or age restrictions.
  • Claims are typically processed within 10 days, so you get reimbursed fast.3
  • We have some of the shortest waiting periods for accident and illness coverage.4,5

How MetLife Pet Insurance Works in Kansas

MetLife Pet Insurance is Available in Kansas. See What’s Covered

MetLife Pet offers customizable dog insurance and cat insurance policies for pet parents in Kansas. Take a look at some of the things we can typically cover with one of our plans:

  • Accidents and illnesses
  • Emergency care and hospitalizations
  • Diagnostic testing (including ultrasounds and X-rays)
  • Prescription medications
  • Surgeries
  • Examination fees

With customization, you can add more pets to one policy or adjust your reimbursement rates, deductibles, and coverage limit.7,8 You can also add optional plans that provide preventative care coverage for parasite protection and treatment, as well as coverage for routine vet visits and vaccinations.9 Check out our coverage and exclusions page for more details.

How Much Does Pet Insurance Cost in Kansas?

The cost of pet insurance shouldn’t be something that stands in the way of helping you get your pet the care they need. MetLife Pet policies can start as low as $9 per month for a single cat and $15 per month for a single dog.10 Your exact monthly premium will depend on how you customize your plan as well as a few other factors.

Your pet’s age, breed, sex,11 species, and any pre-existing conditions can impact your monthly premium. Where you live can also impact the cost of your plan. You may pay more for pet insurance if you live near more populated areas like Kansas City or Wichita than if you live in less populated, rural areas like Stockton or Altamont.

Pet Insurance Claims We Paid in Kansas

MetLife Pet Insurance policies can cover a wide range of pet care, from diagnostics and treatment to surgeries and routine exams. Wondering if pet insurance may be able to help you? Take a look at some of the claims we’ve paid out to pet parents in Kansas:12

  • Over $675 paid — This helped cover surgery for a mammary dermal cyst on a 6-year-old mixed breed dog in Manhattan, KS.
  • Over $600 paid — This provided financial relief for an abdominal dermal cyst exam for a 6-year-old mixed breed pup in Manhattan, KS.
  • Almost $420 paid — This went toward an exam for a 6-year-old mixed breed dog with a mass on their tongue in Manhattan, KS.
  • Almost $75 paid — This helped provide coverage for an osteoarthritis exam for an 11-year-old mixed breed dog in Kechi, KS.
  • Over $40 paid — This assisted in paying for osteoarthritis treatment for an 11-year-old mixed breed pup in Kechi, KS.

Notable claim in the Sunflower State

Peeka, a 6-year-old mixed breed pup in Manhattan, loves to spend time in Cedar Creek State Park with her owners. After coming back from a day trip, her owners noticed she had a bump on her belly and took her to the vet. After examining the bump, the vet stated it was a dermal cyst that could be left alone or removed if they choose.

The examination cost Peeka’s owners almost $670, but with their dog insurance policy, they were able to get just over $600 reimbursed. Peeka’s pet parents decided to leave the cyst alone as it was not harming her, and now they’re back to exploring Tuttle Creek Lake together.12

Pet Injuries and Illnesses Typically Found in Kansas

As previously mentioned, Kansas is full of agriculture with a climate that can get extremely cold in the winter and incredibly hot during the summer months. The weather can be a bit unpredictable, as the state has a history of droughts, flash floods, and tornadoes. There’s also the chance of running into local wildlife that could see your pet as a threat. All of these things have the potential to pose a risk to your pet’s well-being.

Here are a few common injuries and illnesses you may want to know about to help protect your Kansas pet:

  • Parasites and tick-borne diseases: Intestinal parasites can cause disease and can be found across the state, though may be less likely in the drier western region.13 Fleas and ticks tend to live in grassy or wooded areas and can attach themselves to your pet, potentially causing infection or disease. Yearly parasite prevention can help prevent your pup from getting infected.
  • Wildlife encounters: Depending on where you live in the state, your pet may come across wildlife such as bison, venomous snakes, spiders, raccoons, and cougars that could pose a threat to them. Keep a lookout for wild animals and keep your distance to protect your pet from any potential attacks, bites, and possibly rabies.
  • Leptospirosis: The leptospirosis bacterial infection can cause kidney and liver failure, and is potentially fatal.14 It also has the ability to transfer from your pet to other humans, putting yourself and your family at risk. Fortunately, you can help protect your pet with vaccinations.
  • Heat-related illnesses: Hot weather has the ability to cause harm to your pets, especially if they’re left outdoors for any length of time without proper shelter or water. Heat exhaustion and heatstroke can cause fainting, brain damage, or even death in pets.
  • Weather threats: With the potential for flash flooding and tornadoes in Kansas, pets have the potential to get injured or lost due to weather damage if they’re outdoors or if they’re home alone when storms strike.

Plants in Kansas That Can Be Poisonous to Pets

Whether you’re hiking the Pracht Wetlands Park with your pup or hanging in your yard near Garden City with your cat, your pet may come across plants that can be poisonous to them. Being aware of these plants can help you protect your Kansas pet.

Here is a list a veterinary hospital in Wichita put together of common local plants that could be poisonous to your furry family member:15

  • Bishop’s weed
  • Burdock
  • Camel bush
  • Glottidium
  • Heliotrope
  • Lantana
  • Moonseed
  • Spurges

Take a look at the American Society for the Prevention of Cruelty to Animals' (ASPCA) Animal Poison Control site for a more thorough list of toxic plants, no matter where you live.16

Popular Dog Breeds in the Sunflower State

Pet parents across the state seem to prefer adopting a dog that has plenty of energy to go on hikes and adventures with, as the most popular breed in the state is the Labrador retriever.17 Looking to adopt a different kind of pup? Take a look at the rest of the top five beloved breeds in Kansas and some potential health conditions to be aware of:

  1. Labrador retriever: Eager, outgoing, and full of energy, these pups may be prone to obesity, heart disease, tumors, and hip dysplasia.
  2. Chihuahua: Sassy, energetic, and talkative, this breed may be prone to spinal disorders, corneal ulcers, urinary tract infections, and ear infections.
  3. Mutt: Behavior and disposition, along with the potential health problems, of mutts depend on the breed mix.
  4. Pit bull: Playful, confident, and good-natured, these pups may be prone to allergies, hypothyroidism, retinopathy, and hip dysplasia.
  5. German shepherd: Service-oriented, affectionate, and loyal, this breed may be prone to conjunctivitis, colitis, ear infections, and growths under the skin.

Adoptable Cats and Dogs in Kansas

After learning more about how to protect your Kansas pet, are you ready to add a beloved companion to your family? Petfinder has cats and dogs available for adoption to fit your lifestyle in the Sunflower State. After all, there’s no place like home.

Consider Insuring Your Kansas Pets

Routine and unexpected vet visits can cause financial stress. MetLife Pet may be able to help you protect your wallet and keep the cost of pet care lower, so you can focus on keeping your pet happy and healthy. Start by getting a free quote.

There is no substantive difference between a MetLife Pet Insurance policy in Kansas and a MetLife Pet policy in another U.S. state.

1 “2022 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

2 Based on a January 2022 review of publicly available summary information about competitors’ offerings. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor’s policy or coverage, please contact them or their representative directly.

3 Approximately 80% of claims are processed within 10 days or less.

4 Wait period for accident coverage is midnight EST compared to 2 to 15 days for competitor's; wait period for illness coverage is 14 days compared to 14 to 30 days for competitor's, based on a January 2021 review of publicly available summary information about competitor's offerings.

5 Accident coverage and Preventive Care coverage (for those who select it) begins on the effective date of your policy. Illness coverage begins 14 days later.

6 Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

7 Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% for IAIC underwritten policies only.

8 Deductible options range include: $0−$750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

9 Available at an additional cost.

10 Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose.

11 For IAIC policies only

12 All claims paid amounts are based on MetLife internal claims data from October 2022.

13 “Common Intestinal Parasites in Cats and Dogs,” Kansas State University Veterinary Health Center

14 “Veterinarians warn of disease capable of impacting pets, people,” KWCH 12 News

15 “Poisonous Plants to Avoid,” East Central Veterinary Hospital

16 “Poisonous Plants,” American Society for the Prevention of Cruelty to Animals

17 “Most Popular Dog Breeds in the U.S,” Cute Paws

Coverage underwritten and issued by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85254 or Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations. Application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC for details. MetLife Pet Insurance Solutions LLC is the policy administrator for this coverage. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois).

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