7 Best Missouri (MO) Pet Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

As a licensed Missouri insurance agent and pet parent, I’ve researched everything you need to know before purchasing the best pet insurance in Missouri. These companies listed below all provide coverage for dogs and cats; whether you live in St. Louis, Kansas City, Rolla, Festus, in the Ozarks, or somewhere in between, you can find an affordable policy to cover all members of your furry family. Read more about our unbiased ranking methodology and advertiser disclosure.

Top MO Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best pet insurance providers in Missouri. The average monthly Missouri 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 Missouri with a 63104 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 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 Missouri pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSOURI

$22.33/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Missouri 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
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Missouri pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSOURI

$29.46/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Missouri 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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Missouri pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSOURI

$51.58/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 Missouri pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSOURI

$39.17/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 Missouri pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSOURI

$43.25/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 mutual insurance company 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 Missouri pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSOURI

$50.47/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
spot pet insurance
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Missouri pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN MISSOURI

$34.15/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

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

STANDARD PLAN
COST IN MISSOURI

$22.33/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Missouri 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 Missouri for the 15 most popular breeds?

The price for Missouri 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 the age, health, and breed of your puppy.

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 2021 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in Missouri we suggest getting a quote directly with Figo or Lemonade.

Dog Insurance Prices in Missouri:

  1. Mixed Breed
    • Joplin – $36.90/ mo
    • St Louis – $21.63/ mo
    • Springfield – $21.63/ mo
  2. Labrador Retriever
    • Joplin – $38.97/ mo
    • St Louis – $29.46/ mo
    • Springfield – $29.46/ mo
  3. Golden Retriever
    • Joplin – $44.94/ mo
    • St Louis – $29.41/ mo
    • Springfield – $29.41/ mo
  4. German Shepherd
    • Joplin – $42.13/ mo
    • St Louis – $31.78/ mo
    • Springfield – $31.78/ mo
  5. Goldendoodle
    • Joplin – $40.51/ mo
    • St Louis – $25.59/ mo
    • Springfield – $25.59/ mo
  6. Chihuahua
    • Joplin – $20.80/ mo
    • St Louis – $13.46/ mo
    • Springfield – $13.46/ mo
  7. Siberian Husky
    • Joplin – $42.76/ mo
    • St Louis – $29.55/ mo
    • Springfield – $29.55/ mo
  8. Yorkshire Terrier
    • Joplin – $30.89/ mo
    • St Louis – $18.58/ mo
    • Springfield – $18.58/ mo
  9. American Pit Bull Terrier
    • Joplin – $43.01/ mo
    • St Louis – $32.71/ mo
    • Springfield – $32.71/ mo
  10. Australian Shepherd
    • Joplin – $30.25/ mo
    • St Louis – $20.33/ mo
    • Springfield – $20.33/ mo
  11. Dachshund
    • Joplin – $34.44/ mo
    • St Louis – $19.19/ mo
    • Springfield – $19.19/ mo
  12. Shih Tzu
    • Joplin – $31.10/ mo
    • St Louis – $17.10/ mo
    • Springfield – $17.10/ mo
  13. French Bulldog
    • Joplin – $43.78/ mo
    • St Louis – $40.45/ mo
    • Springfield – $40.45/ mo
  14. Boxer
    • Joplin – $50.21/ mo
    • St Louis – $40.62/ mo
    • Springfield – $40.62/ mo
  15. Labradoodle
    • Joplin – $40.51/ mo
    • St Louis – $25.59/ mo
    • Springfield – $25.59/ mo

Cat Insurance Prices in Missouri:

  1. Mixed Breed
    • Joplin – $19.62/ mo
    • Springfield – $12.59/ mo
    • St Louis – $12.59/ mo
  2. American Shorthair
    • Joplin – $29.87/ mo
    • Springfield – $14.86/ mo
    • St Louis – $14.86/ mo
  3. Bengal
    • Joplin – $22.04/ mo
    • Springfield – $14.86/ mo
    • St Louis – $14.86/ mo
  4. Bombay
    • Joplin – $22.04/ mo
    • Springfield – $14.86/ mo
    • St Louis – $14.86/ mo
  5. British Shorthair
    • Joplin – $22.04/ mo
    • Springfield – $14.86/ mo
    • St Louis – $14.86/ mo
  6. Exotic
    • Joplin – $22.04/ mo
    • Springfield – $14.86/ mo
    • St Louis – $14.86/ mo
  7. Himalayan
    • Joplin – $22.04/ mo
    • Springfield – $14.86/ mo
    • St Louis – $14.86/ mo
  8. Maine Coon
    • Joplin – $23.88/ mo
    • Springfield – $15.69/ mo
    • St Louis – $15.69/ mo
  9. Persian
    • Joplin – $23.88/ mo
    • Springfield – $15.69/ mo
    • St Louis – $15.69/ mo
  10. Ragdoll
    • Joplin – $23.88/ mo
    • Springfield – $15.69/ mo
    • St Louis – $15.69/ mo
  11. Russian Blue
    • Joplin – $22.04/ mo
    • Springfield – $14.86/ mo
    • St Louis – $14.86/ mo
  12. Scottish Fold
    • Joplin – $23.88/ mo
    • Springfield – $15.69/ mo
    • St Louis – $15.69/ mo
  13. Siamese
    • Joplin – $23.88/ mo
    • Springfield – $15.69/ mo
    • St Louis – $15.69/ mo
  14. Sphynx
    • Joplin – $22.04/ mo
    • Springfield – $14.96/ mo
    • St Louis – $14.96/ mo
  15. Abyssinian
    • Joplin – $22.04/ mo
    • Springfield – $14.96/ mo
    • St Louis – $14.96/ mo

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

Missouri Pet Insurance Frequently Asked Questions

What is pet insurance? How does it work?

Pet insurance is medical coverage for pets. For example, if your pet develops an infection, has a skin sore, or breaks a bone, pet insurance is meant to help pet owners cover the cost of care. All you need to do is purchase a plan, make a monthly payment, and then your companion is covered!

Most pet insurance plans use a reimbursement model, which means that instead of veterinary offices billing insurance directly, pet owners receive the initial vet bill, pay the bill, and then submit a reimbursement request to their insurance provider. While your insurance most likely would never reimburse an entire bill, it would pay for the majority of the cost, which could end up saving you thousands of dollars in veterinary bills.

How old does my pet need to be to be covered by pet insurance?

While every pet insurance provider enforces different policies, it is common for pet insurance companies to impose certain age requirements that must be met in order to be eligible for pet insurance. For example, it is common for pet insurance companies to require that puppies are at least 8 weeks old to enroll in insurance.

Even though many pet insurance companies have age minimum requirements, most pet insurance companies allow pets of any age older than the minimum age to enroll in pet insurance. As long as your pet is older than the provider’s age minimum, then he or she can be enrolled.

What does coverage look like?

In general, the basic veterinary services covered by pet insurance plans include any necessary care to treat sudden illness or injury. This may include injuries from accidents, viral infections, and cancer.

In addition, some pet insurance companies offer “add-on” coverage to include preventative care and prescriptions.

The type of veterinary care that most pet insurance plans do not cover is any treatment for pre-existing conditions, which are any illnesses that are diagnosed prior to coverage. For this reason, we recommend enrolling your pet in medical coverage as soon as you can because the older animals become, the more likely they are to experience medical complications.

How will I be reimbursed?

As previously mentioned, most pet insurance plans operate under a reimbursement model. When you enroll in a plan, your insurance company will specify your reimbursement rate, deductible (if applicable), and annual maximum benefit amount. These three figures are used to calculate how much your insurance provider will reimburse you. For example, if your plan has an 80% reimbursement rate and a $250 deductible, your insurance provider would reimburse you 80% of the veterinary bill, minus your deductible.

In order to be reimbursed, all you need to do is submit a reimbursement request along with a copy of your veterinary bill to your insurance provider. Then, your insurance provider will send you a reimbursement check or direct deposit based on the figures described above.

Do I have to enroll in a plan with a deductible?

No, you do not necessarily have to enroll in a plan with a deductible. Some pet insurance plans do not have deductibles, however these plans tend to require a significantly higher monthly payment.

Are there any restricted pets for homeowners insurance in Missouri?

It is common for states to place restrictions on certain dog breeds for homeowners insurance. This most often applies to breeds that can be aggressive towards others. These breeds may include:

  • Doberman Pinschers
  • German Shepherds
  • Bull Mastiffs
  • Pit Bull Terriers
  • Rottweilers
  • Wolfhounds

Other than these dog breeds, it is unusual for any other house pet to be restricted by homeowners insurance. However, we recommend contacting your insurance company to learn more information about how your pet may influence your insurance.

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

Pet insurance is an exceptional tool for when your pet falls ill, but there are also several ways to keep your pet healthy so that you only need to tap into your pet insurance coverage occasionally.

1. Be aware of wildlife

Surprisingly, one of the primary wild predators in Missouri is the bobcat. Even though bobcats can be smaller than large dog breeds, they can still be aggressive and combative to household pets. Make sure that you keep an eye on outdoor cats and be mindful of your surroundings when walking your dog.

2. Be cautious of severe weather

Missouri can experience hot and humid summers that often entail severe thunderstorms and tornadoes as a Midwestern state. If a storm is approaching, make sure that you keep all pets indoors and away from windows.

3. Provide a clean environment

A clean living space is not only imperative for the health of humans, but also for the health of pets. Unsanitary conditions can increase the risk of medical complications and skin infections. If you own a pet that lives in a cage, make sure that you clean the cage regularly and remove waste daily.

4. Ensure proper nutrition and hydration

Nutrition and hydration are two other basic needs that ought to be met sufficiently in order for pets to stay healthy. Regardless of your pet, it is important to feed your pets healthy foods and limit snacks and treats. In addition, it is also important to make sure that your pets drink enough water, as dehydration can result in medical complications. We suggest speaking with your pet’s vet to determine which foods are best for your animal.

5. Medical Care

Last (but not least), regular veterinary care is important to identify emerging medical problems and prevent new ones from occurring. It is recommended to bring your pet in for a veterinary check-up at least once per year.

5 Unique Animal Rescue Shelters in Missouri

1. The Humane Society of Missouri in St. Louis, MO

For over 150 years, The Humane Society of Missouri has provided shelter, food, and medical care for thousands of animals. This shelter aims to find permanent homes for stray animals and educate the community about animal abuse and neglect. Dogs and cats that are currently available for adoption can be viewed on the shelter’s website.


2. Open Door Animal Sanctuary in House Springs, MO

The mission of the Open Door Animal Sanctuary is to care for unwanted, abandoned, or lost animals by providing shelter, food, and medical care. As a no-kill shelter, no animal is at risk of euthanasia just because they have not been placed in a permanent home. One unique policy of this shelter is that if a family is no longer able to care for an animal that was adopted from this shelter, the family must return the animal to the shelter.


3. Five Acres Animal Shelter in St. Charles, MO

This no-kill local shelter rescues primarily dogs and cats. Many of this shelter’s occupants come to the shelter because their families can no longer care for them. As a no-kill shelter, this shelter collaborates regularly with animal control and other overcrowded shelters to transport animals to their shelter to prevent euthanasia.


4. HELP Humane in Belton, MO

There are currently over 100 dogs and cats in this shelter that are awaiting their furr-ever homes! This shelter rescues lost, homeless, and abused animals and provides them with everything they need to make a full recovery, including medical care and shelter. If you are unsure if adopting a shelter animal is right for you, this shelter also offers a foster care program.


5. Green Hills Animal Shelter in Trenton, MO

This shelter refers to itself as a “promise” shelter, which means that it promises to do everything possible to provide the best care for all animals in its care, including finding them permanent homes. In addition to adoption, this shelter also offers animal surrendering, which encourages the community to bring animals that can no longer be cared for to the shelter instead of abandoning them on the street.


Conclusion

Pet insurance is arguably a staple to have in your toolbox as a pet owner because of how expensive veterinary care can be. Like humans, animals can (and do) get sick unexpectedly, resulting in hefty unplanned medical bills. If you are interested in enrolling your pet in medical coverage, be sure to find a plan that is right for your pet and your finances, pay your monthly premium, and then you are covered! During your next pet medical emergency, you will be glad that you are covered. In our extensive research, Lemonade pet insurance came out on top and offered the lowest monthly premiums.

SwiftScore Ranking Methodology for Missouri

We ranked the best pet insurance policies in Missouri 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 Missouri with a 63104 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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