The Best Pet Insurance Companies in Mississippi (2024)

We gave Lemonade 4.8 out of 5 stars based on our review. Compared to other providers we researched, Lemonade provides the cheapest plan for both dogs and cats in Mississippi. The company leverages artificial intelligence (AI) for quick application and claims submission processes.

Similar to other pet insurance providers, Lemonade does not cover pre-existing conditions or elective surgeries. Coverage is also not available in every state, which may pose a problem if you plan to move from Mississippi to a state where Lemonade does not operate.

The average price of a Lemonade pet insurance policy in Mississippi is $15 per month.

When we compared Lemonade’s annual premiums to estimated pet health care expenses in Mississippi, such as veterinary visits, vaccines, medications and emergencies, we found that pet parents could save $642 a year by investing in a pet insurance plan.

Lemonade offers an accident and illness plan but not an accident-only option. The standard policy covers conditions such as cancer, infections, diabetes, lacerations and fractures, plus related diagnostics, therapeutic procedures and medications. However, its standard plan has somewhat limited coverage compared to competitors we reviewed. To build up to comprehensive coverage, you will need to add coverage endorsements, which will raise your monthly premiums.

In addition to offering three wellness care plans — Preventive Care, Preventative Care+ and Puppy and Kitten Preventative Care — Mississippi pet owners can choose from the following additional coverages:

• Preventive Care: $16 per month for dogs and $10 for cats
• Preventative Care+: $24 per month for dogs and $16 for cats
• Veterinary visits: $5 per month for dogs and $3 for cats
• Physical therapy: $2 per month for dogs and $1 for cats
• Behavioral conditions: $4 per month for dogs and cats
• Dental illness: $13 per month for dogs and not available for cats
• End of life and remembrance: $4 per month for dogs and $3 for cats

Check out our Lemonade Pet Insurance review to learn more.

We gave Spot 4.5 out of 5 stars and found it has the most customizable coverage of providers we reviewed. Spot’s plan and add-on options makes it easy for policyholders to build custom-fit pet policies. Pet owners can further customize coverage by choosing from a selection of annual limits, reimbursement rates and deductibles.

Spot does not cover pre-existing conditions, but it covers some issues after a pet is cured and remains symptom- and treatment-free for at least 180 days.

Based on the sample quotes we requested, Spot pet insurance costs an average of $51 per month. Compared to the estimated out-of-pocket cost of pet care in the state, a Spot plan could save you $206 a year, according to our research.

Spot offers an accident-only plan and an accident and illness plan with the option to add wellness coverage for a monthly fee. For an additional $10 to $25 per month, depending on the level of coverage, Mississippi pet owners can add preventive care coverage for routine costs such as veterinary exams and vaccinations.

Learn more in our Spot Pet Insurance review.

Embrace earned 4.7 out of 5 stars and is our top pick for savings. For example, the company provides a 10% multiple pet discount and a 5% discount for active or former members of the Air Force, Army, Marines, Navy and Coast Guard. The Healthy Pet Premium Discount program also rewards policyholders whose claims reimbursements stay under $300, offering a 5% premium discount in the first year and 10% discount in the second year.

Embrace does not cover pre-existing conditions, but unlike some providers on our list, it distinguishes curable from incurable health issues. Pets affected by a curable pre-existing condition are eligible for coverage once symptom- and treatment-free for 12 consecutive months from the date of the last episode.

Our research showed that the average cost of an Embrace pet insurance policy in Mississippi is $64 per month. We compared Embrace premiums to the estimated out-of-pocket costs of pet care in the state and found you could save $58 a year with an Embrace pet insurance policy.

Embrace sells an accident and illness policy and provides the option to add on a wellness plan for routine health care, which is available in three benefit tiers. 

• $250 wellness rewards: $19 per month
• $450 wellness rewards: $35 per month
• $650 wellness rewards: $52 per month

Embrace does not have an accident-only plan, but it offers the following add-ons:

• Exam fees: $4 per month for dogs and $3 for cats
• Prescription drugs: $5 per month for dogs and $3 for cats

To find out more, read our Embrace Pet Insurance review.

We rated Healthy Paws 4 out of 5 stars and found it provides the most affordable unlimited coverage of the providers on our list. The company does not cap claim payouts in any way, making it a considerable option for pet parents worried about significant vet bills. Healthy Paws also allows you to easily customize your pet’s premium by offering various reimbursement and deductible options.

However, it does not accommodate senior pets as well as some other companies on our list. Pets enrolling at age 6 and older are not eligible for hip dysplasia coverage. Healthy Paws also has a bi-lateral exclusion for cruciate ligament injuries, so if your dog has a cruciate ligament injury in its right hind limb before enrollment, its left cruciate ligament is also excluded from coverage.

We found the average cost of a Healthy Paws pet insurance plan in Mississippi is $45 per month. An analysis of pet health care costs in the state revealed that a Healthy Paws policy could save you $285 a year.

Healthy Paws offers only one accident and illness plan, and it does not offer an accident-only option or wellness coverage. It also does not have other add-on coverage for Mississippi pet parents.

Learn more by reading our Healthy Paws Pet Insurance review.

We gave ASPCA Pet Health Insurance 4.8 out of 5 stars and named it our top pick for older pets. The insurer lets you enroll pets of any age, and it does not limit coverage based on age. This means that senior pet coverage includes accidents, illnesses, behavioral issues, and hereditary and congenital conditions.

Notably, ASPCA Pet Health Insurance has no extended waiting period for orthopedic conditions. However, its 14-day waiting period for accidents is longer than the one- or two-day accident delay of other providers. Also similar to other companies on our list, ASPCA Pet Health Insurance does not cover pre-existing conditions, cosmetic procedures or breeding costs.

Our research found that Mississippi residents can expect to pay an average of $27 per month for an ASPCA Pet Health Insurance policy. Compared to the cost of pet health care costs, such as veterinary visits, vaccines, medications and emergencies, an ASPCA Pet Health Insurance policy could save you $501 a year.

The company sells both accident-only and accident and illness policies, and you can add wellness plans to either type of coverage. The company offers two tiers of wellness benefits. 

• Basic preventive care package: $10 per month for dogs and cats
• Prime preventive care package: $25 per month for dogs and cats

Read our ASPCA Pet Health Insurance review to learn more.

Earning 4.3 out of 5 stars, Fetch is our pick for comprehensive coverage. Its standard plans provide coverage beyond what you will find with other providers on our list. For example, the company covers exam fees, disease in every adult tooth, breed-specific issues, virtual veterinary visits, alternative therapies and treatment for behavioral issues. Fetch also allows Mississippi pet parents to add up to $735 worth of coverage for routine wellness care.

On the other hand, Fetch’s 15-day waiting period for accidents is longer than other companies on our list, and it has a six-month waiting period for hip and knee injuries. However, the company may waive the six-month waiting period if a pet receives an orthopedic exam by a licensed veterinarian within 30 days of enrollment.

The average cost of a Fetch plan in Mississippi is $58 per month.

A comparison of pet insurance premiums and the state’s estimated out-of-pocket costs for veterinary care found that Mississippi pet owners could save $129 a year with Fetch.

Fetch offers an accident and illness plan with three options for add-on wellness coverage, each of which includes varying levels of annual benefits.

• Essentials plan: $11 per month
• Advantage plan: $20 per month
• Prime plan: $32 per month

To find out more about this provider, read our Fetch Pet Insurance review.

We rated Figo 4.7 out of 5 stars and found it to have the most flexible reimbursement rates of the providers we reviewed. Mississippi pet parents can choose reimbursement rates of 70%, 80%, 90% or 100%, whereas the highest reimbursement rate other insurance providers offer on our list is 90%. Policyholders can also choose unlimited annual coverage for their pets.

Figo has no upper age limit restriction for pets to qualify for coverage, but it requires owners of senior dogs (8 years or older) and cats (10 years or older) to comply with a veterinarian’s advice regarding wellness testing.

Figo has an extended six-month waiting period for canine orthopedic conditions. However, the company may waive this delay if your dog receives an exam and the veterinarian signs an orthopedic condition waiver within the first 30 days of coverage.

The average cost of a Figo pet insurance policy in Mississippi is $40 per month, according to our research.

We found that Mississippi pet parents could save $94 a year with a Figo plan, compared to the estimated out-of-pocket costs of pet health care in the state.

Figo offers an accident and illness plan but provides no option for accident-only coverage. Mississippi policyholders can also add coverage for veterinary exam fees and two levels of wellness care.

• Veterinary exam fees: Adds $13 per month for dogs and $5 for cats
• Wellness Basic plan: Adds $10 per month
• Wellness Plus plan: Adds $17 per month for dogs and cats

To learn more, read our Figo Pet Insurance review.