How much does dog and cat insurance cost in Mississippi for the 15 most popular breeds?

The price for Mississippi dog and cat insurance is almost always the same throughout the state including in Jackson, Montgomery, Mobile, Birmingham, or Brewton etc. However, the prices will vary based on the age, health and breed of your pet.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of June 2022 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in Mississippi we suggest getting a quote directly with Lemonade Pet Insurance or Figo.

Cat Insurance Prices in Gulfport Mississippi:

1. Mixed Breed – $14.91/ mo
2. American Shorthair – $17.66/ mo
3. Bengal – $17.66/ mo
4. Bombay – $17.66/ mo
5. British Shorthair – $17.66/ mo
6. Exotic – $17.66/ mo
7. Himalayan – $17.66/ mo
8. Maine Coon – $18.61/ mo
9. Persian – $18.61/ mo
10. Ragdoll – $18.61/ mo
11. Russian Blue – $17.66/ mo
12. Scottish Fold – $18.61/ mo
13. Siamese – $18.61/ mo
14. Sphynx – $17.76/ mo
15. Abyssinian – $17.76/ mo

Cat Insurance Prices in Biloxi Mississippi:

1. Mixed Breed – $14.91/ mo
2. American Shorthair – $17.66/ mo
3. Bengal – $17.66/ mo
4. Bombay – $17.66/ mo
5. British Shorthair – $17.66/ mo
6. Exotic – $17.66/ mo
7. Himalayan – $17.66/ mo
8. Maine Coon – $18.61/ mo
9. Persian – $18.61/ mo
10. Ragdoll – $18.61/ mo
11. Russian Blue – $17.66/ mo
12. Scottish Fold – $18.61/ mo
13. Siamese – $18.61/ mo
14. Sphynx – $17.76/ mo
15. Abyssinian – $17.76/ mo

Cat Insurance Prices in Jackson Mississippi:

1. Mixed Breed – $17.13/ mo
2. American Shorthair – $20.24/ mo
3. Bengal – $20.24/ mo
4. Bombay – $20.24/ mo
5. British Shorthair – $20.24/ mo
6. Exotic – $20.24/ mo
7. Himalayan – $20.24/ mo
8. Maine Coon – $21.36/ mo
9. Persian – $21.36/ mo
10. Ragdoll – $21.36/ mo
11. Russian Blue – $20.24/ mo
12. Scottish Fold – $21.36/ mo
13. Siamese – $21.36/ mo
14. Sphynx – $20.38/ mo
15. Abyssinian – $20.38/ mo

Not finding your specific pet breed? Lemonade is our #1 recommendation for Mississippi and they’ll be able to give you a quick quote for your exact needs.

Mississippi Pet Insurance FAQs

What is Mississippi cat insurance?

Cat insurance offers financial support by covering most emergency veterinary fees your cat will accrue due to an unforeseen, catastrophic injury or sickness. In such instances, a trip to the vet can run you several thousands of dollars.

First, you must apply to your provider of choice to get your kitty insured. Once you have a policy in place, remain current on your premiums. Should your little pal need urgent care, pay the bill at the time of service and then file a claim for reimbursement. Since most insurers exclude pre-existing conditions from coverage, we encourage people to insure their cats while they are still kittens.

What’s the best age to insurance my cat?

As mentioned above, we suggest insuring your cat before they turn 1 year old. Of course, the earlier, the better when it comes to cat insurance. The youngest insurable cat is 8 weeks. While most companies will allow you to keep your little friend insured for the duration of their life, some have age restrictions for purchasing new policies. Check with your preferred provider if they have any such limitations in place.

Is MS cat insurance worthwhile?

Since cats in every state experience veterinary emergencies, having pet insurance is a good way for savvy Mississippi cat parents to save thousands of dollars in urgent care costs and secure the best treatments and procedures for their cats whenever they need them. Knowing your cat is protected gives you extra peace of mind.

What will my cat insurance policy cover and exclude?

Each provider offers different coverage. However, as a general rule, they all cover treatment and care for any accident or illness that your provider deems “sudden and catastrophic.” Some examples of covered ailments may include but are not limited to lacerations, urinary blockages, broken bones, intestinal blockages and eye infections.

How does my insurer calculate reimbursements?

If your cat receives care that is eligible for benefits under the terms of your policy, the amount they will reimburse you depends on your policy details. For example, if your policy has a $250 deductible, a 90% reimbursement amount and allows for $15,000 in total annual benefits. Therefore, if your cat needed a $4,000 life-saving surgery, your insurer would pay $3,600 less the $250 deductible. That leaves your insurer responsible for $3,350 and you $650.

If you wish to avoid waiting for reimbursement, consider Trupanion for your cat insurance needs. If you choose a veterinarian within their network, Trupanion will settle their portion of your little pal’s bill directly with the vet, leaving you only to pay your share at the time of service.

Is a higher or lower deductible more advantageous?

Whether a specific deductible is more advantageous than another will largely depend on your finances and preferences. For example, if you prefer a lower deductible, expect higher monthly premiums and lower payments in emergencies. The reverse is true if you choose a higher deductible. It’s a good idea to run the numbers and see which suits your circumstances best. Through our research, my team and I have found that most Mississippi cat owners opt for $250 or $500 deductibles.

Do homeowners insurance providers restrict certain cat breeds?

While homeowners insurance companies restrict some dog breeds, they usually do not do so with cat breeds. It doesn’t hurt to double-check with your insurer, though.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in Mississippi

1. Feed your cat the best food possible

Feeding your cat the best, species-specific food you can afford will contribute to their overall well-being and most likely minimize their time at the vet’s office. Since cats are obligate carnivores, their diet should be poultry and meat-centric, with as few additives and fillers as possible. The most natural food you can give them is raw cat food, which you can buy in frozen nuggets, so all you have to do is thaw them. If you don’t have access to such food or it is beyond your means, look for premium canned food. Just be sure to steer clear of foods packed with gums, meals, wheat, other grains, soy and corn. Such ingredients contribute heavily to feline obesity, cancer, heart disease, liver dysfunction and more.

2. Help your cat stay well-hydrated

Proper hydration can help stave off several health issues, especially kidney disease. You can do a few things to help them along. Firstly, you can follow the dietary guidelines above, as those are moisture-rich foods. Secondly, put a bowl of fresh water out. Remember to wash and refill the water once daily, so dust and hair do not collect on the surface. If your cat shows no interest in drinking from a bowl, chances are they’ll enjoy having a cat fountain instead. Thirdly, mix a small spoonful of water with their meals. By using these strategies, you’ll help your cat maintain robust health.

3. Keep your cat active and engaged

Cat care isn’t limited to feeding, poop-scooping and cuddles. Our feline friends need plenty of opportunities for physical and mental stimulation. Taking time to play with your cat at least twice a day is vital to helping them maintain a healthy weight, burn off excess energy and bond with you. To ensure mental stimulation, keep an assortment of toys around, including feather wands, balls, treat puzzles, catnip toys, scratchers, and more.

4. Groom your cat regularly

Cats are incredibly clean animals. Avoid bathing them at all costs because even cat-specific shampoos strip their skin of natural oils and can lead to severe irritations. Allow your cat to “bathe” themselves, and you can help them with brushing. After all, hairballs are more significant threats to cats’ health than most people understand, as they can lead to excessive vomiting and life-threatening intestinal blockages. Brushing your cat at least every second day is a must. During the shedding season, daily brushing is best. You must also regularly brush their teeth and clip their nails, but only after asking your veterinarian to demonstrate proper techniques.

5. Treat your cat for parasites

Keeping your cat free of worms, fleas and ticks is one of the best ways to help them stay healthy. Monthly flea and tick treatments are necessary if you plan to have an indoor-outdoor cat. We recommend using a spot-on treatment that takes care of ticks and fleas. Fleas alone can cause serious issues like tapeworms, dermatitis, anemia and Bartonellosis. Please consult your veterinarian and have them prescribe the treatment they believe is best suited for your cat.

5 Unique Cat Rescue Shelters in Mississippi

1. 9 Lives Rescue in Lafayette, MS

The 9 Lives Rescue Group is a no-kill, 501(c)3 non-profit organization that supports cats in getting healthy and finding forever homes, even those with special needs. All cats adopted from 9 Lives rescue are spayed or neutered, treated for worms and fleas if needed and vaccinated for rabies and FVRCP. They also participate in community outreach through which they support TNR (trap-neuter-release) efforts to help control feral cat populations. And they educate the public on the importance of spaying/neutering and vaccinating cats. For information beyond what their website offers, check out their Facebook page.

2. St. Francis Animal Sanctuary in Tylertown, MS

SFAS is the biggest no-kill animal sanctuary in the southeast US. It provides a safe, loving environment for cats and dogs until they find responsible, caring and devoted pet parents to adopt them. And for those animals that are not adoptable, St. Francis is dedicated to being their forever home. Along with their sanctuary, 9 Lives has a cat adoption room in Mandeville, Louisiana, and they even shuttle pets to their new homes out-of-state a few times each year. Along with their rescue efforts, they offer animal care education and promote spaying and neutering.

3. Brookhaven Animal Rescue League in Brookhaven, MS

Established in 1981, BARL primarily served Lincoln County, but they have since expanded their service area to include Franklin and Copiah counties. They take in up to 1,400 cats and dogs in a given year. The shelter operates almost entirely on volunteer efforts. Any cat (or dog) you adopt from Brookhaven comes spayed or neutered, fully vaccinated (age appropriate) and dewormed. Pet parents also receive an adoption starter kit.

4. New Hope Animal Rescue in Petal, MS

In an area of Mississippi where animal welfare conditions are dire, New Hope aims to reduce the stray, abused and abandoned cats and dogs by providing veterinary care, food, water and a safe shelter for them to heal and live until they find permanent homes. If you adopt through New Hope, your new feline friend will come fully vaccinated (age appropriate) and spayed/neutered.

5. Pals Rescue, Inc. in McComb, MS

As a non-profit organization serving Pike County, Pals Rescue focuses their efforts on cats and dogs, offering safe and comfortable shelter for animals until they find caring homes. For those looking to adopt, you can expect your kitty to come spayed/neutered, vaccinated (according to age), dewormed and treated for fleas and ticks. Pals does their utmost to ensure the animals in their charge are in good health.

Conclusion

My team and I know that dedicated cat parents like you want to do everything possible to give their furry friends wonderful lives, including providing them with the top veterinary care. However, my team and I understand that navigating the world of pet insurance can be incredibly confusing, so we hope you’ve found this article about how to find the best Mississippi cat insurance plans useful. Remember, the younger your kitty is when you get them insured, the more dynamic the coverage and cheaper the rate you will get. Nevertheless, insuring your cat at any point in their lives will cover steep emergency veterinary fees and support their overall health. If you’re looking for outstanding service and coverage and highly competitive monthly rates, my team and I recommend Lemonade.

SwiftScore Ranking Methodology for Mississippi

We ranked the best pet insurance policies in Mississippi based on a variety of important factors including the following:

• Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Mississippi with a 85050 zip code
• Coverage and benefits
• Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
• AM Best rating of the underwriter
• Reimbursement percentage
• Annual benefit amount
• Technology and user experience
• Ease of sign up
• Policy language clarity
• User reviews