7 Best Missouri (MO) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Despite having nine lives, cats can become ill or suffer from injuries, like their human owners. They can be covered by medical insurance to help with the cost of treatment. Enrolling in cat insurance can be overwhelming, but I want to ease this confusion.

As a Licensed Missouri Insurance Agent and cat owner, I understand how tricky insurance plans can be for the everyday person to navigate, so I am committed to assisting cat owners like you with enrolling in cat insurance. Cat insurance is available for felines all over The Show Me State, whether you live in St. Louis, Joplin, Springfield, Kansas City, The Ozarks, or Branson.  Read more about our unbiased ranking methodology and advertiser disclosure.

Top Missouri (MO) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Missouri (MO) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Missouri (MO) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 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 pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR MISSOURI (MO) CAT

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Missouri (MO) Cat 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
pumpkin logo
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 FOR MISSOURI (MO) CAT

$17.17/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans 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 FOR MISSOURI (MO) CAT

$14.86/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Missouri (MO) Cat 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
4.5
  • 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 FOR MISSOURI (MO) CAT

$22.80/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
4.4
  • 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 FOR MISSOURI (MO) CAT

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
4.3
  • 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 FOR MISSOURI (MO) CAT

$23.89/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
4.2
  • 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 FOR MISSOURI (MO) CAT

$29.24/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

lemonade
4.9
  • 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 FOR MISSOURI (MO) CAT

$11.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Missouri (MO) Cat 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

Missouri (MO) Cat Insurance FAQs

What is cat insurance and why do I need it?

Cat insurance is healthcare coverage for cats. Like human health insurance, when cats need veterinary care, their insurance provider supports their owners in paying the vet bills. While cat insurance is not a requirement for your cat to be treated by a vet, it is a useful tool to have due to the high cost of veterinary care. For example, without cat insurance, a life-saving surgery (including the cost of hospitalization and medication) could cost up to $15,000 out-of-pocket. This can be detrimental for cat owners, especially if this is an unexpected expense.

How old does my kitten need to be to receive coverage?

Most cat insurance plans require that your kitten be at least 6 weeks old in order to enroll in a cat insurance plan.

What is covered and what is excluded with cat insurance?

Cat insurance plans typically cover any veterinary care that is needed to treat sudden illness or injury. This includes care for viral and bacterial infections and broken bones.

Some cat insurance plans also cover preventative care, including routine physical exams and flea and tick treatments. If you are interested in receiving more substantial medical coverage for your cat, it is recommended that you find a plan that offers more comprehensive coverage.

How will I be reimbursed?

After a vet treats your cat, your vet will send you a bill, which you are responsible for paying up front. Then, you can submit a reimbursement request to your provider, requesting reimbursement for the bill you paid. Your insurance provider will then reimburse you, based on your reimbursement rate, deductible, and annual maximum amount.

Will my cat’s vet accept my insurance plan?

Since cat insurance plans usually use a reimbursement model, vets do not need to “accept” or be “in-network” with cat insurance plans. Your vet will send you the bill for veterinary treatment provided instead of the insurance provider as the owner. This is helpful because this means that your cat can receive treatment anywhere.

Do I have to enroll in a plan that has a deductible?

You do not necessarily need to enroll in a deductible plan. While these are the most common types of cat insurance plans, some plans do not have deductibles. Whichever plan you choose depends on your preferences for the services covered and what is best for your finances.

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

Cat insurance is helpful to manage unexpected veterinary bills. In addition, there are also numerous tips and tricks to keeping your kitty as healthy as possible so that visits to the vet are few and far between.

1. Regular grooming

While cats are widely known for despising water, regular grooming is important for hair and skin health. Specifically, it is important to brush your cat daily to remove excess hair that can result in hairballs.

2. Avoid dairy

Even though cats may like the taste of milk, too much dairy can actually cause gastrointestinal problems, which is why it may be a good idea to limit the amount of milk that your kitty drinks.

3. Well-balanced diet

Proper nutrition plays a key role in keeping your kitty healthy. Cats need a balanced diet that contains substantial protein and whole-food sourced ingredients. Also, vets recommended providing your kitty with both wet and dry food, as wet food can assist with hydration.

4. Play and exercise

Even if your cat prefers to play independently, it is still important to encourage play and exercise that they can engage in on their own. Providing toys and other engaging items around the home can be helpful tools in facilitating play.

5. Weather safety

As a midwestern state, Missouri can experience severe weather, especially heavy snowstorms in the winter and tornadoes in the summer. If your kitty enjoys spending time outside, be sure to keep them safe indoors if a storm is approaching.

Conclusion

Enrolling your kitty in cat insurance can seem overwhelming, but all you need to do is find the right plan for you and your cat, make a monthly payment, and then you are ready to be reimbursed! It can be scary when your kitty falls in, but having cat insurance provides reassurance that your cat will receive the necessary treatment without breaking your wallet.

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Missouri (MO) Cats

We ranked the best pet insurance policies for Missouri (MO) Cats based on a variety of important factors including the following:

  • The average monthly price for a 2-year-old Missouri (MO) Cat with a $500 deductible located in the 63104 zip code (Please note: prices will vary greatly based on your location)
  • 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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