5,534 pet owners requested and received a free no-obligation quote from one of the above companies in the last 30 days.
Rankings of The Best Pet Insurance Providers in Missouri
The best pet insurance providers in Missouri based on our comprehensive rating system are:
- Spot: Our top pick
- Healthy Paws: Most affordable unlimited coverage
- Figo: Most flexible reimbursement rates
- Embrace: Our pick for savings
- Wagmo: Most wellness plan options
- Fetch: Our pick for comprehensive coverage
- Trupanion: Our pick for unlimited lifetime payouts
What’s the Best Pet Insurance in Missouri?
We analyzed several pet insurance providers in Missouri and Spot came out on top for its customizable coverage and other standout features.
Spot Pet Insurance
Most Customizable Coverage
What Other Pet Insurance Providers Operate in Missouri?
Healthy Paws
Most Affordable Unlimited Coverage
Figo
Most Flexible Reimbursement Rates
Embrace
Our Pick for Savings
Wagmo
Most Wellness Plan Options
Fetch Pet Insurance
Our Pick for Comprehensive Coverage
Trupanion
Our Pick for Unlimited Lifetime Payouts
Compare the Top Pet Insurance Providers in Missouri
Each pet insurance provider offers different coverage options and customization capabilities, which is why it’s worth comparing offerings to determine which provider and policy best fits your needs. Our comparison tool evaluates providers side by side.
How Much Does Pet Insurance Cost in Missouri?
To determine pricing, pet insurance providers consider several factors such as your geographic location and your pet’s age and breed. Premium prices typically increase as your pet gets older, and policies for purebred pets are usually more expensive.
When determining the average prices for pet insurance in Missouri, we requested quotes from 11 popular providers for sample pets including a 5-year-old male mixed-breed dog, a 2-year-old female golden retriever, a 5-year-old male mixed breed cat and a 2-year-old female Siamese cat. Based on these results, we’ve determined that the average cost for a pet insurance policy in the Show-Me State is $57 per month for a dog and $25 for a cat.
| Provider | Dog Insurance | Cat Insurance |
| Lemonade | $28 | $13 |
| Spot | $78 | $29 |
| Embrace | $68 | $35 |
| Healthy Paws | $51 | $20 |
| Fetch | $95 | $42 |
| Figo | $42 | $19 |
| Pets Best | $47 | $22 |
| Paw Protect | $69 | $36 |
| ASPCA Pet Health Insurance | $37 | $17 |
| ManyPets | $27 | $14 |
| Trupanion | $80 | $33 |
What’s the Cheapest Pet Insurance in Missouri?
Based on our quote collection process, we determined that Lemonade and ManyPets are the cheapest pet insurance providers in Missouri. While these providers offer good coverage, price alone shouldn’t be the only factor you consider when choosing a pet insurance policy. Many elements should be evaluated before settling on a provider and a plan.
How To Choose the Best Pet Insurance in Missouri
Missouri pet owners should consider several factors when choosing an insurance provider and plan, such as:
- Coverage: Most insurance providers offer accidental-only plans, which cover only accidental injuries, and accident and illness plans. These provide more comprehensive care, but at a higher cost. Many providers we reviewed sell wellness plans that you can tack on for an additional monthly fee.
- Fine print: Limitations, exclusions and explanations of the claims process can be found in the fine print. For this reason, it might be a good idea to read a sample policy before signing up for coverage.
- Customization: Most providers allow you to customize your plan by adjusting your deductible, annual limit and reimbursement rate. Look for providers that offer increased flexibility to help you find a premium that fits your budget.
- Customer satisfaction: Reading customer reviews from unbiased sites — Trustpilot, for example — can provide valuable insights into a provider’s strengths, weaknesses and customer support capabilities.
Not every pet insurance provider is available in every state. Ensure the provider you’re interested in services your area before expending time and energy researching their offerings.
Pet Laws in Missouri
Pet laws are established to protect residents, pets and wildlife, and regulate issues, including vaccinations, restraint and animal cruelty. Missouri state law mandates that all dogs and cats four months old and up must be vaccinated for rabies. Here are laws enforced in cities around the state.
Kansas City Pet Laws
- Every dog and cat living within the city limits must have a current city license displayed on its collar at all times, according to our research.
- Kansas City doesn’t have a leash law for cats, which means animal health officers can’t impound stray cats.
- Owning a pit bull is legal in Kansas City, but they must be spayed or neutered.
St. Louis Pet Laws
- No more than four dogs and cats can be kept on a property within a residential-zoned district, according to our research.
- Pets must be leashed and held by a responsible person whenever off the owner’s property, unless at a city-designated dog exercise park.
- Pets can’t be tethered outside for more than 10 continuous hours.
Springfield Pet Laws
- Owning a pit bull in the city is unlawful, according to our research.
- Selling pets on a roadside, commercial parking lot or in a public area is prohibited.
- Dogs kept within the city cannot be tethered as a means of confinement or restraint.
Understanding Pet Insurance Terminology
Knowing some key pet insurance terms will help you in your search. These are the ones you’re most likely to come across:
- Virtually all pet insurance companies we reviewed impose waiting periods to help prevent fraud. This is the delay between buying a policy and the beginning of coverage. The provider may stipulate a relatively short period — often two days — for accidents and an extended period of six or 12 months for orthopedic conditions, according to our findings.
- The deductible is the amount you must pay toward your pet’s veterinary bill in a given year before the insurance company will start contributing to your pet care costs. Most companies allow you to choose your deductible amount — a lower deductible correlates with a higher premium.
- Your premium is the monthly fee you pay for your pet’s coverage. The premium is determined by several factors, including your geographic location, your pet’s age and breed, the extent of coverage and your chosen deductible and reimbursement rate.
- The reimbursement rate is the percentage of each bill your provider will pay after you meet your deductible.
- The policy’s coverage limit is the maximum amount the provider will pay. Limits may apply on a per-incident, per-year or lifetime basis.
Is Pet Insurance Worth It in Missouri?
Pet insurance can save Missouri pet owners a significant amount, especially if your pet experiences a veterinary emergency. Just one emergency veterinary bill can cost more than a couple years of pet health insurance premiums. Plus, you get the peace of mind that your four-legged family members can get the care they need when sick or injured.
Based on our findings, the best pet insurance plans for Show-Me State pet owners are Spot, Healthy Paws and Figo, but we suggest you research multiple providers before deciding on a policy. Request quotes from at least three providers to help ensure you’re getting the best deal possible and the right policy for your pet’s needs.
Frequently Asked Questions About Pet Insurance in Missouri
According to data collected by Healthy Paws, common pet insurance claims in Missouri include skin conditions and ear infections, which can be exacerbated by Missouri’s long, hot and humid summers. However, a pet insurance provider won’t exclude these conditions just because you live in Missouri. These conditions may be covered unless your pet exhibited signs either before you purchased the policy or during the waiting period.
Missouri is home to numerous snake species, and if your pet is bitten, it can rack up a hefty veterinary bill including exam fees, hospital stays, intravenous fluids, medications and rechecks. Pet insurance covers snake bite treatments, which can save you a considerable amount of money if your pet encounters a venomous snake while exploring.
A waiting period is the delay between signing up for a policy and the beginning of coverage. According to our research, pet insurance waiting periods in Missouri may range from two to 14 days for accidents, 14 to 15 days for illnesses and six to 12 months for orthopedic conditions. In some cases, extended waiting periods for orthopedic conditions can be waived if your pet undergoes an exam.
How We Ranked the Best Pet Insurance Providers in Missouri
To determine Missouri pet insurance provider rankings, we considered several factors, such as policy availability in the state, pricing, customer satisfaction, customization options and provider reputation. We also looked at in-house survey results from Missouri pet owners who answered questions about how well they thought the insurance provider performed. Taking in all of this data, we gave each provider a star rating.
To obtain pricing information, we requested sample quotes from each provider for representative pets including a 5-year-old medium, mixed-breed male dog, a 2-year-old female golden retriever, a 5-year-old mixed-breed male cat and a 2-year-old female Siamese cat. If you are interested in finding out more about our quote collection process, star rating or provider rankings, you can visit our full pet insurance methodology and editorial guidelines pages.