7 Best Mississippi (MS) Pet Insurance – Average Cost in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

It is important to remember that our animal companions rely on us to keep them healthy and safe. I am a licensed Mississippi insurance agent, and I understand that pet insurance can be confusing at first because of the policy language and all of the information available. To help with this, I have put together this article that will tell you everything you need to know about Mississippi pet insurance, whether you live in Jackson, Biloxi, Oxford, Ripley, Greenville, or anywhere in between. Read more about our unbiased ranking methodology and advertiser disclosure.

Top MS Pet Insurance Scored, Ranked & With Cost

Use our below table to compare the best pet insurance providers in Mississippi quickly. The average monthly Mississippi-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Mississippi with a 39211 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of August 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Mississippi pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSISSIPPI

$22.67/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Mississippi pet insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSISSIPPI

$48.33/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • They have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSISSIPPI

$52.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans in addition to their preventative care coverage. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Mississippi pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSISSIPPI

$42.53/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Mississippi pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSISSIPPI

$40.11/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Mississippi vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Mississippi pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSISSIPPI

$49.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Mississippi pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSISSIPPI

$44.68/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Mississippi pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSISSIPPI

$22.67/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Mississippi pet insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

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

The price for Mississippi pet insurance varies depending on where you live. To give you an idea we’ve collected costs for three cities shown below. The prices will also vary based on your puppy’s age, health, and breed.

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 September 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 Figo or Lemonade.

Dog Insurance Prices in Mississippi:

  1. Mixed Breed
    • Jackson – $29.45/ mo
    • Gulfport – $25.67/ mo
    • Biloxi – $25.67/ mo
  2. Labrador Retriever
    • Jackson – $40.11/ mo
    • Gulfport – $34.96/ mo
    • Biloxi – $34.96/ mo
  3. Golden Retriever
    • Jackson – $40.03/ mo
    • Gulfport – $34.89/ mo
    • Biloxi – $34.89/ mo
  4. German Shepherd
    • Jackson – $43.28/ mo
    • Gulfport – $37.72/ mo
    • Biloxi – $37.72/ mo
  5. Goldendoodle
    • Jackson – $34.83/ mo
    • Gulfport – $30.36/ mo
    • Biloxi – $30.36/ mo
  6. Chihuahua
    • Jackson – $18.33/ mo
    • Gulfport – $15.97/ mo
    • Biloxi – $15.97/ mo
  7. Siberian Husky
    • Jackson – $40.23/ mo
    • Gulfport – $35.05/ mo
    • Biloxi – $35.05/ mo
  8. Yorkshire Terrier
    • Jackson – $25.29/ mo
    • Gulfport – $22.03/ mo
    • Biloxi – $22.03/ mo
  9. American Pit Bull Terrier
    • Jackson – $44.54/ mo
    • Gulfport – $38.81/ mo
    • Biloxi – $38.81/ mo
  10. Australian Shepherd
    • Jackson – $27.69/ mo
    • Gulfport – $24.13/ mo
    • Biloxi – $24.13/ mo
  11. Dachshund
    • Jackson – $26.13/ mo
    • Gulfport – $22.77/ mo
    • Biloxi – $22.77/ mo
  12. Shih Tzu
    • Jackson – $23.27/ mo
    • Gulfport – $20.28/ mo
    • Biloxi – $20.28/ mo
  13. French Bulldog
    • Jackson – $55.08/ mo
    • Gulfport – $48.00/ mo
    • Biloxi – $48.00/ mo
  14. Boxer
    • Jackson – $55.29/ mo
    • Gulfport – $48.20/ mo
    • Biloxi – $48.20/ mo
  15. Labradoodle
    • Jackson – $34.83/ mo
    • Gulfport – $30.36/ mo
    • Biloxi – $30.36/ mo

Cat Insurance Prices in Mississippi:

  1. Mixed Breed
    • Biloxi – $14.91/ mo
    • Gulfport – $14.91/ mo
    • Jackson – $17.13/ mo
  2. American Shorthair
    • Biloxi – $17.66/ mo
    • Gulfport – $17.66/ mo
    • Jackson – $20.24/ mo
  3. Bengal
    • Biloxi – $17.66/ mo
    • Gulfport – $17.66/ mo
    • Jackson – $20.24/ mo
  4. Bombay
    • Biloxi – $17.66/ mo
    • Gulfport – $17.66/ mo
    • Jackson – $20.24/ mo
  5. British Shorthair
    • Biloxi – $17.66/ mo
    • Gulfport – $17.66/ mo
    • Jackson – $20.24/ mo
  6. Exotic
    • Biloxi – $17.66/ mo
    • Gulfport – $17.66/ mo
    • Jackson – $20.24/ mo
  7. Himalayan
    • Biloxi – $17.66/ mo
    • Gulfport – $17.66/ mo
    • Jackson – $20.24/ mo
  8. Maine Coon
    • Biloxi – $18.61/ mo
    • Gulfport – $18.61/ mo
    • Jackson – $21.36/ mo
  9. Persian
    • Biloxi – $18.61/ mo
    • Gulfport – $18.61/ mo
    • Jackson – $21.36/ mo
  10. Ragdoll
    • Biloxi – $18.61/ mo
    • Gulfport – $18.61/ mo
    • Jackson – $21.36/ mo
  11. Russian Blue
    • Biloxi – $17.66/ mo
    • Gulfport – $17.66/ mo
    • Jackson – $20.24/ mo
  12. Scottish Fold
    • Biloxi – $18.61/ mo
    • Gulfport – $18.61/ mo
    • Jackson – $21.36/ mo
  13. Siamese
    • Biloxi – $18.61/ mo
    • Gulfport – $18.61/ mo
    • Jackson – $21.36/ mo
  14. Sphynx
    • Biloxi – $17.76/ mo
    • Gulfport – $17.76/ mo
    • Jackson – $20.38/ mo
  15. Abyssinian
    • Biloxi – $17.76/ mo
    • Gulfport – $17.76/ mo
    • Jackson – $20.38/ mo

Not finding your specific pet breed? Lemonade pet insurance 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 pet insurance?

If you have a dog or a cat, you know they are prone to getting into trouble every once in a while. The modern world is shaped around human convenience, but it often forces your pet to face situations that it is not naturally equipped to handle. Really, pet insurance works pretty much the same as our medical insurance. Pet insurance can help you pay the vet bills if your loyal companion gets sick or hurt. This will vary depending on what provider you choose and what amount of coverage you purchase. For this reason, you should compare different plans before making a final decision to get the pet insurance that best fits your needs.

Do I really need pet insurance in Mississippi?

We believe that pet insurance is essential no matter where you live. Each part of the United States poses its own dangers to your pets, but the truth is that many medical issues are not caused by the environment where you live. Other age-related health complications and diseases are out there that can cost a lot of money to treat. Furthermore, cats and dogs each have plenty of genetic factors that can lead them to develop a severe health condition.

How do I sign up for pet insurance?

Signing up for pet insurance is easy if you know what you are looking for! Your first step is to do some research. Each insurance company will offer slightly different coverages, so you need to compare them and decide which policy is best for you. Once you decide on an insurance carrier, your next step is to contact them and sign an agreement. In most cases, you can immediately make your first premium payment, and your insurance begins the same day!

How does insurance claim compensation work?

For most insurance companies, claim compensation works the same way. Upon receiving your vet bill, you will need to pay it out of pocket. After you have paid it, you will file a claim to request compensation from your insurance provider. They will review your claim, and if it falls under your policy agreement, they will compensate you accordingly. Keep in mind that you must remain up-to-date on your monthly premiums to keep your policy from lapsing! If your insurance policy has expired, you are not going to be compensated.

Trupanion offers an exception to the standard claim compensation system. If you use a veterinarian in their network, they will pay your vet bill directly. This means that their customers do not have to pay out-of-pocket vet bills unless their policy agreement covers them.

How does insurance reimbursement work?

Let’s say that your pet insurance policy entitles you to a 90% reimbursement amount, a $250 deductible, and a $20,000 max annual benefit. You must take your furry friend to the emergency vet for whatever reason! The skilled veterinarians there work hard and save your pet’s life. Unfortunately, this type of expertise doesn’t come cheap, and your vet bill is $10,000. So you file a claim with your pet insurance company. Because you have up-to-date insurance, your insurance provider reimburses you for $9,000, minus your $250 deductible. For this reason, you only paid $1,250 for this operation instead of the $10,000 an uninsured pet owner would have had to pay. The value of pet insurance speaks for itself!

What types of vet bills does pet insurance cover?

With most insurance providers, you can expect coverage for any vet visit where the treatment is for anything considered “sudden and catastrophic.” This could be broken bones, lacerations, allergic reactions, or, if you have a dog, it may even be something like accidentally swallowing a toy! Furthermore, most companies also offer “wellness packages.” These cover more routine care, such as regular vet visits, vaccinations, heartworm medication, and more.

Keep in mind that insurance companies nearly always decline to cover preexisting conditions. So if your animal companion is already being treated for an ailment when you sign up for insurance, the insurance provider will typically refuse to pay for it. This is because insurance is for things that may happen, and these companies would not make money if you only signed up after something was wrong with your pet.

5 Important Tips for Keeping Your Pet Safe and Healthy in Mississippi

We have already established that the best protection for your furry friends is to purchase pet insurance. However, the goal is to avoid harm befalling our pets in the first place, when possible. With that in mind, here are five important tips for keeping your pet safe and healthy in Mississippi!

1. Get regular veterinarian check-ups

If you own a cat, you know they are rarely looking forward to the vet. Nobody likes to be poked and prodded! On the other hand, if you own a dog, perhaps it does enjoy the vet. Regardless, many people don’t go to the vet regularly because they don’t see the importance of routine examinations on their pets. Veterinarians are excellent at detecting medical conditions in the early stages. Therefore, regular visits may save your animal companion from something much worse!

2. Be conscious of the wildlife

The state of Mississippi has numerous hazards that can place your cat or dog in extreme danger. Obviously, our domestic companions are not equipped to protect themselves against black bears, rattlesnakes, alligators, or panthers! That being said, it is crucial to be mindful of where your pet is at all times. If your pet lives outdoors, we advise keeping it in an enclosure to avoid it wandering off and getting seriously injured or killed.

3. Keep your pets hydrated!

Hydration is vital for dogs and cats alike. Unfortunately, our pets are often unable to let us know when their water bowls are empty. They certainly can’t warn us when they are experiencing the early stages of heat-related illness! To further reduce the risk of your pet suffering from heat-related illness, you should minimize their time in the sun on hot days. If that isn’t possible, it is vital to check on them to do okay regularly. If you notice any abnormal behavior at all, take them to the vet immediately!

4. Make sure your house is pet-friendly

Keeping your house pet-friendly can serve as an excellent way to reduce the risk of injury to your pets. There are numerous commonplace items that dogs and cats do not understand and thus can shock, choke, or cut themselves with them by mistake. Furthermore, if you have multiple pets, it is important to be sure that they are getting along before leaving them alone with each other for an extended time.

5. Watch the weather

Weather concerns in Mississippi can potentially cause significant harm to your cat or dog. The high winds, severe storms, flooding, and tornadoes tend to be a danger year-round. If you find yourself in a position where you must evacuate your residence, please ensure that you take your pet with you if it is safe to retrieve them. An animal trapped in the home under these conditions is very likely to be seriously injured or killed.

Our Recommendations For Mississippi Animal Rescues

We highly recommend adoption if you are in the market for a new pet! There is a national overpopulation of dogs and cats, and many are euthanized every day. Here are our recommendations for Mississippi animal rescues:

1. New Beginnings Animal Rescue – Olive Branch, MS

New Beginnings Animal Rescue is a non-profit rescue group that rescues animals and also finds them foster homes. According to their website, they “hope to promote humane and responsible pet ownership, the importance of spaying and neutering animals, and the proper care and treatment of animals.”


2. Copiah Animal Shelter – Crystal Springs, MS

Located in Crystal Springs, Copiah Animal Shelter is a volunteer-led non-profit that “provides shelter and medical care to lost and abandoned animals until permanent placement in loving homes can be arranged through pet adoption.” They are a limited intake shelter, so there are restrictions on what animals they will and will not admit to their shelter.


3. Tired Dog Rescue – Gulfport, MS

As the name suggests, this particular rescue is only for dogs. Tired Dog Rescue “strives to find homes for dogs in need, build quality relationships with responsible owners, and preserve current dog-family homes by seeking solutions to financial, behavioral, and situational dog problems.” If you aren’t interested in adopting or fostering, you can still help out through volunteer work or by making donations through their website!


4. Grass Roots Animal Rescue – Starkville, MS

Grass Roots Animal Rescue is an all-volunteer non-profit located in Starkville, Mississippi. That being said, any donations are sure to make a big difference! They prioritize rescuing puppies and dogs that are in danger of euthanization, abandoned, or have other needs. The first line of their mission statement says it all; “We are here to help animals in need.”


5. Mississippi Critterz – Oxford, MS

The fun name and exceptional care they provide give this animal rescue a personality of its own! Mississippi Critterz organizes foster homes and facilitates pet adoptions and transport! They are a non-profit organization that runs through the help of volunteers and donations.


Conclusion

Hopefully, this article has detailed the importance of pet insurance and gave you some clarity. With pet insurance, you can focus on enjoying time with your buddy and have no fear of an inability to pay your vet bills, should the need arise. I have found Lemonade Pet Insurance consistently offers the best coverage considering their low monthly premium payments. If you decide pet insurance is right for you and your family, lemonade is an excellent choice.

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 39211 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

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