Best Pet Insurance Companies In Missouri For 2024

When it comes to pet insurance in Missouri, Lemonade Pet Insurance takes the crown for offering the best policy.

min read
Updated: 08 January 2024
Written by
Doug Schaffer
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Our team of insurance experts diligently reviewed 40 quotes from 20 different pet insurance providers to determine the most suitable coverage for various different situations. In Missouri, Lemonade  stands out as the leading choice, excelling in overall coverage, affordability, and coverage for owners with young pets.

Nevertheless, it’s worth noting that three other companies, namely ASPCA, Embrace, and Pets Best Pet Insurance, also distinguish themselves in specific categories.

In the upcoming sections, we’ll review some of the finest pet insurance options available in Missouri and explore the factors that can influence your premium rates.

Best Pet Insurance Companies In Missouri 2024

Best Pet Insurance, Missouri 2024

Comparing the best pet insurance companies in Missouri

Overall Rating Best For Coverage Waiting Period Average Annual Cost for Cats Average Annual Cost for Dogs Get A Quote
Lemonade
4.7

Overall Coverage

2 Days for Accidents and 14 Days for Illnesses

$17

$33

Instant Quote
ASPCA
4.6

New Pet Owners

Immediately for Preventive Care and 14 Days for Illnesses and Accidents

$33

$81

Instant Quote
Lemonade
4.7

Owners of Young Pets

2 Days for Accidents and 14 Days for Illnesses

$17

$33

Instant Quote
Embrace
4.7

Cat Owners

48 Hours for Accidents and 14 Days for Illnesses

$25

$51

Instant Quote
Lemonade
4.7

Affordable Coverage

2 Days for Accidents and 14 Days for Illnesses

$17

$33

Instant Quote
Pets Best
4.5

Owners of Multiple Pets

3 Days for Accidents and 14 Days for Illnesses

$25

$44

Instant Quote
Scroll to see comparisons

Our methodology

We've conducted a thorough analysis to find the most affordable pet insurance rates in Missouri. Our team evaluated data from multiple pet insurance companies across the state, drawing on the collective expertise of our insurance professionals, who boast over twenty-five years of experience in the field. It's essential to keep in mind that while the rates provided in this guide are accurate at the moment, premiums can change daily and may vary depending on factors such as your pet's age and breed.

40

Quotes Analyzed

20

Brands Reviewed

25

Years of Experience

32+

Research Hours

Reviews Of The Best Pet Insurance Companies In Missouri


Best Overall Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Various factors contribute to making a pet insurance company the top choice in any area, including considerations such as affordability, customer service quality, and claims processing speed. In Missouri, Lemonade Pet Insurance has consistently excelled across most categories, offering budget-friendly monthly coverage rates of $17 for cats and $33 for dogs.

Beyond affordable rates, Lemonade garners praise from Missouri pet owners for delivering an exceptional customer service experience. Their team members genuinely prioritize animal well-being, reflecting their commitment in the service they provide to policyholders.

Benefits & Drawbacks

Benefits
  • 48-hour waiting period for accidents
  • Top-tier claims processing department
  • Abundance of available discounts
  • Portion of monthly premiums contributes to nonprofits
Drawbacks
  • Age restrictions for enrollment apply to certain pet breeds
  • Policies aren't accessible in all states
  • Insurance rates consider pet owner credit and claim history

Cheapest Rates for New Pet Owners

Overall Rating
4.6

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

For those embarking on their journey as pet owners, selecting a reliable pet insurance company, such as ASPCA, is paramount. ASPCA has a well-established foundation and a commendable history of advocating for animal health.

It’s worth noting that the company does have slightly higher than average premiums, with cat insurance at $38.67 and dog insurance at $83.30. Nonetheless, the numerous advantages outweigh the added costs of choosing ASPCA. Notably, ASPCA imposes no upper age limit, ensuring that older pets can get coverage, regardless of their age.

Moreover, ASPCA extends additional coverage options for behavioral issues and alternative therapies, which can be particularly beneficial for certain dog breeds.

Benefits & Drawbacks

Benefits
  • Coverage includes items such as alternative therapies, behavioral issues, and congenital conditions
  • Cruciate injuries have a waiting period of just 14 days
  • Access to a 24/7 telehealth vet line
  • Vet clinic visit fees for illnesses and accidents are covered under standard policies
Drawbacks
  • Unlimited annual coverage is solely accessible through an agent
  • Limited options for deductibles

Cheapest Rates for Owners of Young Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many individuals choose to adopt younger pets, allowing them to grow alongside their new family. While the prospect of having a kitten or puppy is exciting, the added responsibilities can feel overwhelming. In addition to proper house training, securing straightforward and manageable pet insurance coverage is essential.

Lemonade Pet Insurance comes out as the top choice, combining affordability with user-friendly features. The company boasts an industry-leading mobile app and a dedicated customer service team, offering average rates of $17 for cats and $33 for dogs.

For owners of young pets, Lemonade Pet Insurance stands out as the ultimate solution, providing peace of mind and convenience.

Benefits & Drawbacks

Benefits
  • Policyholders experience only a 2-day waiting period for pet injuries
  • Expedited processing times for claims
  • Abundance of available discounts
  • The company allocates a portion of the policyholder’s premium to nonprofits
Drawbacks
  • Certain pet breeds lose eligibility for coverage after a specific age
  • Coverage is not applicable to all 50 states
  • Pet owner credit and claim history play a role in determining insurance rates

Cheapest Rates for Cat Owners

Overall Rating
4.7

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

If you’re a Missouri cat owner in search of the top insurance policy for your feline friends, Embrace Pet Insurance should be on your shortlist. The company provides budget-friendly rates for cat insurance, averaging around $20.44 per month.

What sets Embrace apart is their commitment to giving back. For every policy they sell, they contribute $2 to support local charities, going above and beyond in their  efforts to support the pet community.

Additionally, Embrace Pet Insurance has earned the trust of prominent car and home insurance providers like USAA, Allstate, and GEICO, solidifying its reputation as a preferred partner in the industry.

Benefits & Drawbacks

Benefits
  • Budget-friendly policy choices
  • Inclusion of coverage for curable pre-existing conditions in most standard policies
  • Owners with pets in need of orthopedic care can bypass the waiting period with a vet exam
Drawbacks
  • Senior pets aged 14 and above are only eligible for accident-only policies
  • Standard policies do not encompass supplement coverage.

Cheapest Rates for Owners of Multiple Pets

Overall Rating
4.5

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
9/10 Coverage Level

Why We Like Them

Managing multiple pets can entail additional costs for essentials like food and toys, but it can also come with advantages in pet insurance. Many pet insurance companies, including Pets Best, extend multi-pet discounts for policies covering multiple animals.

Pets Best goes the extra mile by offering not only discounts but also affordable monthly premiums. This includes average cat insurance rates of $29.54 and dog insurance rates of $41.39.

Moreover, Pets Best ensures policyholders receive comprehensive benefits, such as access to a 24/7 vet helpline for emergencies. They also provide coverage for animals with disabilities or those in need of special prosthetic devices, demonstrating their commitment to the well-being of all pets.

Benefits & Drawbacks

Benefits
  • Coverage encompasses pets in need of wheelchairs or prosthetic devices
  • Access to veterinarian assistance through the 24/7 vet healthline
  • A 3-day waiting period is applicable to accident coverage
  • Flexible coverage options for accident and illness policies
Drawbacks
  • Claims processing is generally slower compared to other competitors
  • Policy changes are only permissible during the time of renewal

Best Affordable Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

While many pet owners aspire to safeguard their beloved companions, the misconception often prevails that pet insurance comes at a steep cost. However, Lemonade Pet Insurance dispels this notion, demonstrating that pet insurance can be budget-friendly. On average, cat owners typically pay just $18.41, while dog owners contribute around $35.18.

To enhance affordability further, Lemonade Pet Insurance extends various discounts, including bundling options that can reduce costs by up to 15%. Moreover, their user-friendly mobile app simplifies the management of existing policies, making pet insurance accessible and hassle-free.

Benefits & Drawbacks

Benefits
  • 48-hour waiting period for accidents
  • Claims processing is quicker compared to major competitors
  • Abundance of available discounts
  • The company contributes a portion of the policyholder’s premium to nonprofits
Drawbacks
  • Specific pet breeds lose coverage after reaching a certain age
  • Coverage is restricted based on your state of residence
  • Pet owner credit and claim history influence insurance rates

Average cost of pet insurance in Missouri

Average Cost in Missouri — By Cat Breed 

Cat Breed Average Monthly Cost
Domestic Shorthair $14
Sphynx $17
Siamese $23
Maine Coon $28

Average Cost in Missouri — By Dog Breed 

Dog Breed Average Monthly Cost
Affenpinscher $19
Labradoodle $37
Greyhound $64
Newfoundland $86

Average Cost in Missouri — Accidental-Only Coverage 

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $31
Pets Best $36
TrustedPals $39
Figo $45
ASPCA $56

Average Cost in Missouri — Comprehensive Coverage 

Insurance Provider Average Monthly Cost for Comprehensive Coverage
ManyPets $32
Pets Best $38
Lemonade $49
Trusted Pals $52
Healthy Paws $57

How to find the best pet insurance company for you

Purchasing pet insurance shares similarities with buying health or life insurance for yourself. It’s crucial to compare rates, but before you embark on this journey, it’s essential to understand the key factors worth considering when evaluating a pet insurance policy.

For instance, most companies offer two primary types of coverage: accident-only policies or accident and forgiveness plans. Both have their merits and are suitable for different situations.

Accident-only coverage often proves ideal for younger pets less susceptible to age-related illnesses, while comprehensive plans are well-suited for breeds with higher risk factors.

Another vital consideration revolves around the waiting period. Each pet insurance company specifies varying waiting periods for accidents and illnesses, necessitating careful evaluation to align with your pet’s health needs.

Factors that impact cost of your pet insurance policy in Missouri

While many pet owners believe that their pet’s monthly premium is linked to just a couple of factors, the reality is that several elements contribute to determining the rate for pet insurance. These pricing components encompass:

  • Animal Type
  • Breed
  • Age
  • Insurance Type
  • Location

Animal Type:

The type of pet you have significantly influences your pet health insurance cost. On average, dog owners pay 2-3 times more than cat owners, primarily due to the higher risk associated with dogs being outdoors more frequently.

Breed:

Similar to the type of animal, your pet’s breed also affects the cost of pet insurance. While there’s not a substantial difference for many dog breeds, some are considered high-risk. For instance, breeds like boxers and bulldogs have a history of sinus and skin issues, which can lead to higher monthly premiums.

Age:

Age plays a pivotal role in your quotes from pet insurance providers. Some carriers maintain affordable pricing regardless of age, while others may deny coverage if your pet is too old. If you have a senior pet, it’s crucial to explore pricing options.

Insurance Type:

You’ll encounter two primary options when purchasing pet insurance: accident-only coverage or accident and illness coverage. Both plans offer protection for your pet, but comprehensive policies tend to cost more. Assessing whether the added coverage is worth the increased monthly cost is a vital consideration.

Location:

Regional pricing is another factor considered by many pet insurance companies during the application process. Although differences in premiums between cities tend to be minor, certain state regions are deemed higher risk due to increased claim frequency.

Pet insurance discounts in Missouri

Much like health insurance for people, pet insurance can vary in cost based on your location in Missouri. To cut down on expenses for your pet’s insurance, discounts can come to your rescue.

Not all pet insurance companies provide identical discount offerings, so take the time to consider these options:

  • Employer-sponsored discounts
  • Multi-pet discount
  • Employee union discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts
  • Special service animal discounts

How to buy pet insurance online in Missouri

Securing insurance for your pet is a straightforward endeavor, particularly when utilizing a platform like Insuranceopedia. However, there are several steps you can proactively take to expedite the process both before and during the application.

Here are four essential steps to follow when purchasing pet insurance:

Prepare in advance by collecting vital information about your pet, including their type, breed, age, medical history, and any documentation regarding their lineage.

1

Determine the desired amount of coverage and deductible for your pet.

2

Take the initiative to compare quotes from at least three different pet insurance carriers.

3

Once you’ve selected your policy, make sure to inform your veterinarian about your new coverage, ensuring seamless coordination for your pet’s well-being.

4

Missouri pet insurance laws to know

While pet insurance isn’t obligatory for pet owners in Missouri, various laws and bills aim to safeguard animals and their caregivers. Notably, a recent House Bill was proposed and subsequently enacted into law, addressing the use of a dog’s breed in decisions related to homeowners’ and renters’ insurance.

In the past, insurance companies had the authority to deny coverage, terminate policies, or increase monthly premiums based on a pet’s breed. However, the enactment of House Bill 2323 has rendered such discrimination based on a dog’s breed or appearance illegal, ensuring fair treatment for all pet owners.

Largest pet insurance companies in the United States

Company Name Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace Pet Insurance 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Pet Insurance 1.4%
Petsecure 1.3%
Healthy Paws Pet Insurance .73%
Pumpkin Pet Insurance .48%

In the news

Effective June 30, 2023, a significant shift in insurance practices occurs as insurance companies are no longer permitted to consider a dog’s breed as the sole determinant in their underwriting decisions.

Additionally, Governor Katie Hobbs has endorsed Senate Bill 1053 into law, ushering in a new era for pet healthcare. This bill enables veterinarians to establish vital veterinary-client relationships via telemedicine, enhancing access to pet healthcare services across the state.

Information about Missouri

Missouri, boasts a diverse and vibrant cultural heritage. The state is home to numerous historical landmarks and cultural sites that provide insights into its rich history and traditions. Exploring these locations offers citizens and visitors alike a chance to delve into the fascinating world of Missouri’s Native American heritage.

In addition to its cultural heritage, Missouri offers captivating natural landscapes. The state is renowned for its stunning tourist destinations, such as the Ozark Mountains, Mark Twain National Forest, and the beautiful Lake of the Ozarks. Visitors to Missouri can immerse themselves in the breathtaking beauty of these natural wonders.

FAQs

Do all vets take pet insurance in Missouri?

Every veterinary clinic in Missouri is set up to accept pet health insurance. This insurance operates by the pet owner paying for the medical treatment upfront and then getting reimbursed by the pet insurance company.

How much is pet insurance in Missouri?

Similar to many states across the country, pet owners in Missouri find that coverage for cats is more affordable compared to dogs. On average, a monthly premium for cat insurance in Missouri amounts to $27.56, whereas dog insurance usually runs around $48.81 per month.

Do I legally have to insure my pet in Missouri?

While it’s advisable to have insurance for your pets, it’s not mandated by law in Missouri to have your dog or cat insured.

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