Best Pet Insurance Companies & Plans in Mississippi (2023 Review)

by | 1/19/2023

Many pets live and come to visit Mississippi with their owners, and it’s an exciting state to visit with museums, parks, beaches, restaurants and many historical sites. Many of the Mississippi households have pets. According to a survey by the U.S. Pet Ownership & Demographics Sourcebook, Mississippi ranks 6th in the nation dog ownership with 45.2% of the households owning dogs. With so many pets, particularly dogs, there is a high need for good veterinary care and pet insurance.

Continue reading to learn more about the following providers so that you can choose the best pet insurance for your needs:


Pet Laws in Mississippi

There are more than 8,000 licensed dogs in Mississippi, and with so many dogs and other pets around, the state has pet laws in effect to protect the pets, owners and non-owners.

  • The Mississippi Dog and Cat Protection Law states that it’s a crime for anyone to withhold food, water or shelter from an animal or treat them cruelly.
  • All dogs three months of age must be licensed and be current with rabies shots.
  • All dogs three months of age must wear a collar and tag indicating the dog is licensed and current with vaccinations.
  • Dogs must be on a leash any time they are off their property or may be impounded.


Pet-Friendly Things in Mississippi

Today people are spending more time with their pets, and many take their dogs with them wherever they go. In Mississippi, dogs can have a lot of fun because there are so many pet-friendly places to visit.

  • Hancock County Beach in Waveland – offers lots of sand and beach for leashed dogs as well as a beach volleyball court, sidewalks and a fishing pier
  • Biloxi Dog Park in Biloxi – offers picnic tables and lots of area for dogs to run and play as well as a fenced-in area where dogs can run off leash
  • Gulfport Premium Outlets in Gulfport – offers mall stores for you to shop and a grassed area for your dog
  • Shaggy’s Biloxi Beach in Biloxi – offers seafood, daiquiris and delicious snacks that can be eaten with your pet on the covered patio
  • Fillin’ Station in Biloxi – offers great food, huge liquor selection and beautiful outdoor seating
  • Hard Rock Hotel and Casino in Biloxi – offers a beautiful suite for you and your dog
  • Ramada Limited Ocean Springs in Ocean Springs – offers beautiful suites, large swimming pools and dog-friendly rooms for any size dog

Pet owners who are not comfortable leaving their dog at home when they go to work can take advantage of the many pet-friendly employers in Mississippi.

  • Wag! in Jackson
  • Case & Associates in Richland
  • Animal Medical Center in Hattiesburg
  • Red Dot Storage in Jackson
  • Camp Bow Wow in Ridgeland

Mississippi Veterinary Costs

Dogs in Mississippi have the same health issues as in other states. Whether it’s healthy eating or good veterinary care, dogs in Mississippi are relatively healthy compared to other states. Their prevalence of developing canine diseases is lower than the national average. The amount they pay for unexpected veterinary care is also relatively low compared to other states. They pay about $900 annually for unexpected veterinary care.

However, even with the best of care, pets can be injured or become seriously or terminally ill, and every year the cost of vet care increases. While we realize that pet ownership comes with some vet bills, the serious conditions can hurt families financially. The serious conditions are also what makes many pet owners choose to buy pet insurance. Here are some costs pet owners might have for serious issues.

  • Emergency visit – $170
  • X-rays – $60 to $250
  • Blood work – $30 to $150
  • Lab services – $20 to $350
  • Blood transfusions – $450 to $800
  • Hospital services – $50 to $150 per day
  • Chemotherapy or Radiation – $1,000 per treatment with up to ten treatments needed
  • Surgery – $1,000 to $2,000 or more

Monthly Cost of Pet Insurance in Mississippi Cities

Pet insurance is an affordable way for pet owners to get help paying for veterinary bills for unexpected injuries and illnesses. Pet insurance doesn’t usually pay for routine pet services like rabies shots, vaccinations or wellness checks, but these aren’t the services that can “break the bank” so to speak. Here are some examples of monthly premiums for a pet insurance policy that pays 70% of covered expenses with a $500 deductible. These rates are for a six-year-old mixed breed dog weighing about 50 pounds.

City Monthly Cost
Jackson $35.59
Biloxi $32.03
Brandon $39.15
Hattiesburg $35.32
Southaven $42.44

Low-Income Pet Help in Mississippi

Pet owners who are having difficulty caring for their pets, whether due to unexpected financial difficulties or low income, can obtain assistance through several organizations in Mississippi. These agencies offer either free or low-cost veterinary services or pet supplies and food.

Humane Society of South Mississippi in Gulfport – offers training advice, spay/neuter assistance, pet food and other necessary supplies

Mississippi Spay and Neuter in Pearl – offers spay/neuter assistance

DeSoto Animal Rescue Society in Ham Lake – offers assistance with emergency veterinary care

Spay & Neuter Clinic in Hattiesburg – offers low-cost veterinary care and spay/neuter assistance

Low-Cost Spay in Picayune – offers low-cost spay/neuter services

Horn Lake Animal Hospital in Horn Lake – offers low-cost emergency veterinary services

Frequently Asked Questions About Pet Insurance in Mississippi

Do all vets take pet insurance in Mississippi? 

In short, yes. Your pet insurance provider doesn’t work with your vet, so you don’t have to worry about your vet being in-network like a human health insurance plan. Instead, you submit your claim directly to your pet insurance provider, which will reimburse you based on your coverage. This allows you to go to any licensed veterinarian, whether they are at a clinic or animal hospital, to get your pet the care they need. As long as the treatment is covered under your plan, you’ll be covered.  

What does Pet Insurance Typically Cover?

Depending on what type of plan you choose, your pet insurance plan will cover different things. Accident-only plans provide medical coverage for accidental injuries, such as broken bones, sprains, and prescription medications. Accident-and-illness plans try to extend that coverage to include cancer treatments, digestive illness, hip dysplasia, and similar issues.

How do I get reimbursed for a vet bill?

Simply take your cat to any licensed veterinarian and submit your claim. Depending on your provider, you can submit your claim through its mobile app, online member center, or through the mail. Then, you’ll wait for your provider to approve the claim. Once approved, it will reimburse you for the allocated amount in your pet insurance policy through direct deposit or check.

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.