Best Pet Insurance in Missouri: Top Companies & Plans (2023 Review)

by | 10/31/2022

With over 60% of its total land area occupied by pastures, Missouri has the ideal acreage for country-loving companions like herding dogs and outdoor barn cats. 

But the Missouri backcountry also comes with its own set of threats for domesticated animals, including increased exposure to ticks, fleas, and other parasites, as well as lurking coyotes, toxic native plants, and dangerous chemicals found around farms like rat poison and antifreeze.

Finding the best pet insurance can prepare your pet with the preventative care it needs to keep up with an active country lifestyle while also guaranteeing quality emergency vet care in the event of unexpected accidents or illnesses. 

So, to help you narrow down your list of front-runners, we’ve reviewed the following five leading providers delivering farm-friendly pet insurance in Missouri: 


Best Missouri Pet Insurance Companies & Plans

Provider Visit Site Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days Yes No upper age limit A
Lemonade Site Link 14 days for illnesses; 48 hours for accidents No 14 years old F
Embrace Site Link 14 days for illnesses; 48 hours for accidents Yes 14 years old A+
Healthy Paws Site Link 15 days Yes 14 years old A-
ASPCA Site Link 15 days Yes No upper age limit N/A

Pet Insurance Companies in Missouri Reviews

Each of the following providers highlighted in this article only offers insurance for cats and dogs (except for limited equine coverage offered by ASPCA.) If you’re looking to finance a nontraditional pet, select providers like Nationwide and Pet Assure may be able to offer the coverage you need. 

Spot Pet Insurance

With no breed- or age-based restrictions, two standard plan options, and customization at the heart of its policy framework, Spot pet insurance makes access to comfortable pet healthcare coverage possible for its customers. Spot policyholders can choose between a plan that solely covers treatment for unexpected accidents or another that covers the same emergency injuries in addition to surprise illnesses, behavioral issues, congenital conditions, and more. 

You’ll be able to modify your monthly premium as you see fit by adjusting your selections between:

  • Five annual deductibles
  • Seven annual coverage limits (including an unlimited option)
  • Three reimbursement rates of up to 90%

Anyone looking to level up their coverage even further can also add one of two wellness riders to their policy to offset costs for routine care items like annual checkups, vaccinations/titers, diagnostic tests, etc. Spot offers preventative care coverage in a Gold package for $9.95 per month or a Platinum package for $24.95 per month.

Accident-illness coverage through Spot starts at just $16 per month, though pet parents in Missouri should be prepared to pay an average of $30 to $50 per month for dog insurance and $15 to $30 for cat insurance. Remember, these rates are subject to change based on your pet’s age and breed, as well as where you’re located in Missouri. 

Pros and Cons


  • No upper age limits 
  • Microchip implantation and alternative therapy coverage for all plan levels
  • Option for unlimited annual coverage benefits
  • 10% multi-pet discount


  • Doesn’t cover wellness exam fees unless add-on is purchased
  • Bilateral exclusions may apply

Relevant Inclusions and Exclusions

Behavioral training is a hit-or-miss inclusion across the pet insurance industry; you won’t find it everywhere. Spot, however, believes proper training approaches can provide positive outcomes in preventing accidents and injuries in the first place. Customers who select accident-illness coverage will be reimbursed for expenses related to treatment for eligible behavioral problems. 

Lemonade Pet Insurance

As the only fully digital insurer in the pet category, Lemonade pet insurance offers one standard accident-illness policy, with a convenient enrollment experience available through its mobile app or online portal. Even though you won’t be able to reduce your monthly premium by deciding between different base plans, you’ll still be able to tailor your coverage through:

  • Three annual deductibles
  • Five annual coverage limits maxing out at $100,000
  • Three reimbursement rates
  • Three wellness plans — Basic, Preventative Plus, and Puppy/Kitten 

Lemonade’s policies start at just $10 a month, but for pet owners in Missouri, odds are it’ll look more like $17 to $35 per month for dog insurance and $11 to $22 for cat insurance. Aside from age and breed, these rates are also contingent on local vet costs in your city, so if you live in a densely populated area like St. Louis, expect to pay a higher premium.

As an optional add-on, Lemonade offers three different levels of preventative care for its members to choose from if they decide they’d like additional coverage for routine items like vaccines, parasite tests, blood work, and more. Exam fees and physical therapy are not built into Lemonade’s wellness benefits but are still available for purchase as separate add-ons.

Pros and Cons


  • Donates a portion of unclaimed money to a charity of your choice at the end of the year
  • All-inclusive mobile app for policy management via iOS and Android 
  • 10% discount when you bundle with Lemonade homeowners or renters insurance


  • Breed- and age-based restrictions
  • Vet visit fees aren’t included as a main add-on

Relevant Inclusions and Exclusions

Aside from its exclusion of behavioral therapy and dental illness care, Lemonade’s coverage limitations fall in line with services most other pet insurance providers won’t cover either, including pre-existing conditions, controversial cosmetic procedures, grooming services, treatment arising from gross neglect or abuse, etc. 

ASPCA Pet Insurance

Although marketed by the American Society for the Prevention of Cruelty to Animals, ASPCA pet insurance is administered by Crum & Forster — the same agency that partners with Spot. Because of their shared agency, Spot and ASPCA offer the same set of base plans for the same monthly rate but with different options for annual limits and deductibles. 

Like Spot, ASPCA’s accident-only plans start at just $10 per month. But for accident-illness coverage through ASPCA’s Complete Coverage level, Missouri pet owners will likely pay between $30 to $50 per month for dog insurance and $15 to $30 for cat insurance. 

ASPCA customers have access to a slightly narrower lineup of plan customizations than Spot policyholders:

  • Three annual deductibles as low as $100
  • Five annual coverage limits of up to $10,000
  • Three reimbursement rates
  • Two add-on wellness plans — Basic ($9.95 per month) and Prime ($24.95 per month)

With no upper age limits and no extensive waiting period for cruciate ligaments and other orthopedic issues, we’d recommend ASPCA for a pet owner looking to enroll a senior in a pet insurance policy. 

Pros and Cons


  • Only a 14-day waiting period for all eligible incidents, even hip dysplasia, and other specific conditions
  • Offers microchipping as a standard inclusion for all plan levels
  • 30-day money-back guarantee
  • Multi-pet discount of 10%


  • Absolute maximum coverage option is only $10,000
  • $2 transaction fee

Relevant Inclusions and Exclusions

Though ASPCA won’t cover pre-existing chronic conditions, it will distinguish between curable and incurable conditions, thus making it an ideal provider for people looking to enroll an already sick pet. A condition may be deemed curable and eligible for coverage if your pet can go 180 days without expressing symptoms or needing vet care related to the complication. Examples of curable conditions include vomiting, diarrhea, respiratory infections, UTIs, etc.

Embrace Pet Insurance

From broken bones to chronic and congenital conditions, Embrace pet insurance offers two types of standard coverage to help pet owners cope with the costs of an emergency vet visit. Embrace customers who opt for accident-only coverage will be held to a fixed annual deductible of $100, a coverage limit of $5,000, and a reimbursement rate of 90%. 

On average, Embrace’s accident-illness coverage costs Missourians between $40 to $60 for dog insurance and $20 to $30 for cat insurance. Pet parents who decide on this more comprehensive plan level will be able to customize their coverage from a selection of:

  • Five annual deductibles as low as $200
  • Five annual coverage limits of up to $30,000
  • Three reimbursement rates

Unlike other pet insurance policies, Embrace offers non-insurance preventative care coverage, which works via an allowance-based system. Its exclusive Wellness Rewards program covers 100% of routine care costs within the $250, $450, or $650 stipend amount you choose for the policy period. 

Pros and Cons


  • 48-hour waiting period for eligible accidents
  • Automatically reduces all deductibles by $50 for every year policyholders don’t file claims
  • Vet visit fees included in accident-illness coverage


  • Accident-only plan has preset coverage options with no leeway for customization  
  • Maximum annual coverage limit for accident-illness is only $30,000

Relevant Inclusions and Exclusions

As an added perk, Embrace includes a diminishing deductible advantage for all of its policyholders at any plan level. For every year an Embrace member holds an active policy without needing to file a claim, they’ll receive a $50 reduction in their annual deductible. 

Healthy Paws Pet Insurance

If you’re looking for a policy for young to middle-aged pets that keeps a locked focus on unlimited coverage for only catastrophic care and not any of the added bells and whistles, Healthy Paws pet insurance might be a good fit. 

Offering one stock accident-illness base plan with no per-incident, annual, or lifetime maximums, Healthy Paws’ business model aims to prioritize unexpected veterinary costs rather than predictable ones — hence why they don’t include any preventative care in their coverage terms. 

Unfortunately, Healthy Paws offers more limited coverage for older pets than it does for younger cats and dogs, hence why we wouldn’t necessarily recommend this provider to pet owners looking to insure a senior pet: 

  • Dogs and cats 5 years and below — Three deductibles as low as $100 and three reimbursement rates of up to 90%.
  • Dogs and cats between 6 and 7 years old — Three deductibles as low as $250 and three reimbursement rates of up to 80%.
  • Dogs 8 years and over — Deductibles of $750 or $1,000 and reimbursement rates of 50 or 60%.

Pros and Cons


  • Unlimited annual coverage benefits for all policyholders
  • One accident-illness base plan streamlines the decision-making process
  • Has donated $1.6 million to over 300 nonprofit animal welfare organizations


  • Coverage is heavily based on age, with fewer options available for seniors
  • No preventative care coverage whatsoever

Relevant Inclusions and Exclusions

Healthy Paws makes a policyholder jump through a number of hoops to access hip dysplasia coverage — yet another reason why this provider isn’t the best option for older pets. 

Owners of large breeds of dogs, which are more prone to hip dysplasia, may want to look elsewhere for coverage, too, because Healthy Paws won’t cover instances of hip dysplasia for pets who are over the age of six at enrollment. And even if your pet does meet the age requirement, there’s still a one-year waiting period for hip dysplasia coverage and other orthopedic conditions.

How Does Pet Insurance Work in Missouri?

Pet health insurance is a risk product designed to help you offset the treatment costs of unexpected illnesses or injuries by reimbursing eligible emergency veterinary expenses based on your custom coverage level. Depending on your provider, you may also have the option to add on elective wellness coverage to support routine pet care needs. 

So say, for instance, your cat takes a leap but doesn’t land on all four feet, or maybe your dog chows down on rocks, socks, and anything else not meant to be eaten. Pet insurance will allow you to concentrate on getting your furry friend the medical attention it needs rather than what it will cost. 

Once you’re enrolled in the right policy, you can carry on with life as usual, but with a newfound confidence that your pet’s health is protected no matter what happens. Most pet insurance plans have a set waiting period, which is a certain amount of time that you’ll have to sit tight before your coverage benefits are active. Any accidents or injuries that occur before or during that time frame won’t be covered. 

Beyond that waiting period, you’re free to submit a claim to your provider so long as it’s for a covered treatment administered by a licensed veterinarian. Remember, you’ll also have to pay off your selected annual deductible before your insurer takes on any expenses. 

After your pet receives the necessary treatment at an animal hospital, you’ll file your claim for review online by providing some contextual information about the incident as well as itemized receipts from the vet visit. 

Your provider will then either approve or deny your claim for reimbursement. Assuming that your case is approved, you’ll be paid back according to your selected reimbursement rate and annual payout limit.

How to Choose the Best Pet Insurance in Missouri for You

Pet insurance can be an invaluable tool for taming costly veterinary bills that may arise if your pet ever has an emergency health scare  — but it’ll only be worth it if you take the time to find a policy that checks all the right boxes. 

To find a pet insurance plan that meets your budget and coverage needs, you’ll need to do a bit of research. These are the types of questions you’ll want to ask as you begin browsing possible contenders for your future policy:

  • Are there any upfront age restrictions or breed-specific exclusions?
  • Is a vet exam required for enrollment eligibility?
  • If your dog or cat isn’t yet fixed, are spay/neuter procedures covered?
  • How long are the waiting periods?
  • Are the available coverage options generous or narrow?
  • What are your coverage needs versus wants? How do those align with each providers’ inclusions and exclusions?
  • Are there any per-incident, annual, or lifetime coverage caps? If so, would they accommodate your coverage expectations?
  • According to A.M. Best, does this insurance agency have a sound financial reputation?
  • Do verified customer reviews from current policyholders back up the provider’s service promises? 
  • Did you get a quote for each of your top picks?

How Much Does Pet Insurance Cost in Missouri?

The average cost of standard accident-illness pet insurance throughout Missouri is anywhere from $15 to $40 per month for dogs and $10 to $20 for cats. 

Not all pets are created equal, hence why there isn’t just one universal premium amount that will cover every pet’s needs. There are a few other factors beyond how you customize your pet’s policy that affect how much you’ll owe your provider every month.


Generally, cats cost less to insure than dogs simply because they’re less prone to injuries and also have fewer genetic predispositions to worry about than dogs. The average 10-pound domestic cat will also require smaller doses of required medicines, vaccines, titers, etc., and, therefore, a lower vet bill.


Both purebred cats and dogs are at a higher risk of carrying hereditary conditions than mixed breeds due to selective breeding. Therefore, they’ll be grouped into a high-risk pool by most insurers, translating into a pricier premium. 


Female cats and dogs often tend to have fewer health issues than males, which some pet insurance providers heed when calculating your monthly premium. Male pets, especially unneutered ones, are naturally more aggressive than female companion animals, making them an added liability for your provider if they’re injured in a fight. 


Dog years aren’t a myth, though the seven to one rule is arguably not accurate. And as much as we wish cats did live nine lives, pets have a much faster metabolism than humans, causing them to age at an expedited rate. Older pets need more and more veterinary care as their health becomes increasingly fragile. So, as your pet grows gray, its pet insurance premium will likely also increase accordingly.


Regional vet costs aren’t unanimous across the country. Cities with higher population densities have a higher cost of living than areas with a smaller headcount. Urban areas also tend to offer more state-of-the-art veterinary care than the “mom-and-pop” clinics you’ll find in rural communities. Your monthly premium will correlate with local vet costs to ensure you receive fair coverage based on your location. 

For example, accident-illness coverage through Spot for a 4-year-old English Setter in Wildwood, Missouri, costs $53.37 per month, whereas the same coverage for the same dog living in much smaller Parkville, Missouri, costs $44.36.  

Cost Per Provider

To show you how monthly premiums in Missouri also vary by provider, we’ve generated five pet insurance quotes for both cats and dogs with each of our highlighted companies, as collated in the table below. 

All of the following estimates are based on an alias policyholder with a 2-year-old pet — either a medium mix breed dog or a domestic short-haired kitty — living in Kansas City, Missouri, and selecting the most popular accident-illness plan customizations as recommended by each provider. Sample wellness costs for our dog and cat insurance quotes chose the most basic add-on available.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost 
Spot $29.50 $15.74 $39.45 for dogs; $25.69 for cats
Lemonade $17.58 $11.83 $33.58 for dogs; $21.83 for cats
Embrace $38.62 $20.94 $57.37 for dogs; $39.69 for cats
Healthy Paws $31.44 $14.70 N/A
ASPCA $29.50 $15.74 $39.45 for dogs; $25.69 for cats

Final Thoughts

It’s no secret that most of us consider our pets more like family members than just companion animals. We celebrate their birthdays, post them proudly on social media, and share a home — sometimes even a bed — with them. So, when it comes to their healthcare, why wouldn’t we prioritize their access to the best emergency care available should they ever need it? 

Pet insurance ensures that money is a nonissue if your pet ever becomes unexpectedly sick or injured. By covering veterinary expenses that arise from eligible accidents or illnesses, the right pet insurance policy won’t allow costs to limit your pet’s access to medical care. 

Information for Pet Owners in Missouri

From St. Louis to Springfield and beyond, Missouri hosts a number of pet-friendly outings for you and your pup to explore. To encourage responsible pet ownership, the state of Missouri asks that you follow a few simple rules while you’re out and about to ensure the safety of your pet and others.

Missouri Pet Laws

  • Missouri does not have a statewide leash law but does require dogs and other animals to be restrained and controlled while out in public. Certain municipalities may have their own leash laws in effect, so check in with your county before you let your pet loose. 
  • Missouri residents are legally allowed to shoot dogs that wound or kill their livestock. Keep a watchful eye on your dog if it’s allowed to roam your rural property at large — an escape could be deadly. 
  • Pet owners living in Missouri must pay a $1 dog tax per year to the state.
  • All dogs and cats living in the city must be licensed and vaccinated for rabies by the time they’re six months old. A valid rabies tag must also remain on the animal’s collar at all times. 
  • All cats and dogs from shelters and rescues must be sterilized.

Fun Things to Do With Your Pet in MO

Although dogs are mostly prohibited from running at large in most Missouri counties, there are a few designated locations where it’s safe to let your pup off-leash. Treecourt Unleashed Dog Adventure Park in St. Louis offers nine acres of wide open space for dogs of all sizes to enjoy. This park is privately owned and does require a membership and dog temperament test before you’ll be able to enter.

Also in St. Louis is the SLU Ellen Clark Dog Park and Sculpture Garden, which combines modernist outdoor sculpture with a fenced-in area for local pups to socialize and sniff around. 

Just a few minutes away, you’ll find The Doghaus, a dog park and sports bar all in one, featuring a free on-leash patio as well as an off-leash AstroTurf dog park, which either requires a daily membership or the purchase of a $10 day pass. 

Beyond the city is Table Rock State Park in Branson, Missouri, which welcomes leashed dogs on its several paved trails around the Long Creek. Be aware that dogs are prohibited from entering any nearby historic buildings and are also not allowed to freely roam swimming areas and beaches. Guests staying at the designated campgrounds are limited to two dogs per campsite unless they notify the Table Rock park service ahead of time. 

Missouri Pet Resources

If pet insurance isn’t a realistic option for your budget at the moment, Missouri has several local organizations that help low-income pet owners care for their pets with free or low-cost veterinary services:

  • Advocates 4 Animals Pet Pantry & Rescue (Jefferson County) — Operated fully by volunteers, A4A provides pet food and spay/neuter assistance as well as adoption programs for pregnant/nursing canines. 
  • Humane Society of Missouri (St. Louis) — Offers affordable veterinary care packages for cats and dogs as well as low-cost spay-neuter programs.
  • Pet Resource Center of Kansas City — Specializes in affordable, same-day spay/neuter surgeries, which includes proper recovery monitoring. Also administers low-cost core vaccines and provides pet food, basic pet supplies, as well as flea/tick/heartworm prevention.
  • PAWS Pet Pantry (Springfield) — Assists animals belonging to homeless, elderly, and low-income owners by providing pet food, core vaccinations, and affordable spay-neuter surgeries.
  • Republic Paw Pantry -– Offers temporary assistance to low-income owners by supplying pet food and supplies to those who qualify. 

Frequently Asked Questions About Pet Insurance in Missouri

Do all vets take pet insurance in Missouri? 

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.

Does pet insurance cover all veterinary expenses? 

No, pet insurance won’t cover all expenses you build up at the vet’s office. However, insurance will typically cover accidents and illnesses that aren’t pre-existing. Some policies will even offer wellness and preventative care add-ons that add additional benefits to your policy, like wellness exams and vaccines.

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.