Pet Insurance in Missouri

Missouri is a state that loves pets and the people there love spending time with their pets. The American Veterinary Medical Association reports that Missouri is the 4th highest state for dog ownership with 45.9% of Missouri households having at least one dog. All these dogs have so many fun things to do in Missouri, but all these activities can put your dog at risk for injuries or illnesses, which is why so many Missouri dog owners use pet insurance.

Pet Laws in Missouri

  • Missouri does not have a statewide leash law but does require the restraint and control of animals at all times. Certain municipalities may have their own leash laws in effect.
  • All dogs living in the city are must be licensed and vaccinated for rabies by the time they’re six months old.
  • All cats and dogs from shelters and rescues must be sterilized.

Pet-Friendly Things in Missouri

Missouri is a state that’s filled with all sorts of pet-friendly things to do and places to see, including beaches, parks restaurants and hotels.

  • Treecourt Unleashed Dog Adventure Park in Saint Louis – offers 9 acres of space for dogs to run around and play with other dogs. Dogs must pass a temperament test before they’re allowed in the park.
  • Table Rock State Park in Branson – has a huge campground, historic buildings, swimming area, beaches, a picnic area of a large place for leashed dogs
  • Fantastic Caverns in Springfield – offers a tour through the caverns that dog owners can experience with their dogs
  • Taubman Prestige Outlets in Chesterfield – offers premier shopping in a variety of stores, and dogs are allowed with you
  • Stop & Shop Flea Market in Sedalia – This place offers you and your dog the chance to shop for candles tools, bikes and all sorts of good stuff.
  • Danna’s BBQ & Burger Shop in Branson – offers delicious barbecued meat and fixings along with an outdoor patio for the dogs
  • Grinders in Kansas City – This dog-friendly restaurant serves delicious food seven days a week.
  • Days Inn & Suites in Kansas City features dog-friendly rooms.
  • Best Western Plus Seville Plaza Hotel in Kansas City also offers suites especially for dogs.

If you and your pet live in Missouri, you both have it made because you may not have to leave your pet at home when you go to work because there are several pet-friendly places of employment in Missouri.

  • Build-a-Bear Workshop in St. Louis
  • Nestle Purina PetCare in St. Louis
  • Live Wire Media in St. Louis
  • Blue Springs Animal Hospital & Pet Resort in Blue Springs
  • On the Ball in Prairie Village
  • Camp Bow Wow in Kansas City
  • Treats Unlimited in Leawood

Missouri Veterinary Costs

Despite the high number of households that have pets, Missouri residents do not pay as much as many other states for vet bills. They pay an average of $900 annually for unexpected veterinary care. Unexpected expenses mean things other than routine exams, worming, vaccinations and wellness checks.

Sometimes, the unexpected happens and our pets get seriously ill or have an accident. This is when the bills often become more than the average pet owner can handle. Without pet insurance, many pet owners are forced to give up the pet or have it euthanized.

A cancer-inflicted dog can incur thousands of dollars for chemotherapy or radiation treatments. If they require surgery to remove the tumor, then you can face bills over $2,000. Hospital stays can average from $50 to $150 per day. Blood work and lab services can run into several hundreds of dollars. You get the picture – veterinary care can be expensive!

Monthly Cost for Pet Insurance in Missouri

Pet insurance doesn’t typically cover routine exams, checkups, vaccinations or wellness checks, but it covers the large bills for unexpected emergency services. To give you an idea of what you might expect to pay for pet insurance in Missouri, here are the rates from five different zip codes in Missouri. These rates are for a policy that pays 70% of covered expenses with $500 deductible and unlimited maximum payouts.

City Monthly Cost
St. Louis $32.15
Kansas City $29.16
Springfield $32.40
Jefferson City $32.40
St. Peters $30.99

The premiums above are for a medium-sized, mixed breed dog that’s six years old.

Low-Income Pet Help in Missouri

Missouri has several organizations that help low-income pet owners care for their pets and provide them with the veterinary services they need. Some of the agencies offer free or low-cost services to pet owners who may be having trouble caring for their pets.

Advocates 4 Animals Pet Food Pantry in Jefferson County – offers pet food and spay/neuter services

Humane Society of Missouri in St. Louis – offers veterinary care and spay/neuter assistance

Humane Society of Southeast Missouri in Camp Girardeau – offers spay/neuter assistance

Spay/Neuter Kansas City in Kansas City – offers spay/neuter assistance and pet food/supplies

Animal Protective Association of Missouri in St. Louis – offers vaccination assistance and routine veterinary care

PAWS Pet Pantry in Springfield – offers vetting, pet food, spay/neuter services, flea/heartworm preventatives, collars/harnesses and miscellaneous pet supplies to homeless, low-income and senior citizens

Republic Paw Pantry in Republic – offers pet food and pet supplies to pet owners affected by chronic illness or unemployment as well as seniors of limited incomes

Central Missouri Humane Society in Columbia – offers spay/neuter assistance