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6 Best Mississippi Pet Insurance for Dogs & Cats (2024 Reviews)

Dog playing by swamp
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Many pet owners understand that emergencies can occur any time of day or night, which is why they choose to protect their cats and dogs with pet insurance. Pet insurance helps make extraordinarily high veterinary fees affordable, so your best pal can get the right care when they need it. We are pleased to share the top 6 pet insurance providers for Mississippi residents to help make your search that much easier.

Dog enjoying a day exploring swamps
Getting ready to explore the swampland!

5 Top Dog & Cat Insurance Companies Compared for Mississippi

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade gives pet parents affordable rates, comprehensive illness and accident coverage and a selection of routine care add-ons. They have an easy-to-use claim filing system on their app and offer discounts should you wish to bundle your pet’s policy with homeowners’ or renters’ insurance. What’s more, Lemonade has only a 2-day waiting period for accidents, even though the industry norm is 14-60 days.

    Keep in mind: If your pet is older or has a pre-existing condition, you may need to submit veterinary documentation regarding their medical history.

    Good for: Almost all dogs and cats, particularly the young and healthy.

    Average price for DOGS in Mississippi: $22.67/month 

    Average price for CATS in Mississippi: $11.00/month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo reimburses pet parents faster than most pet insurance companies and does so via direct deposit, PayPal or Venmo. They also reimburse up to 100% of veterinary fees for the year after you meet your deductible. Customers with multiple pets or renewals without claims the previous year are eligible for extra discounts.

    Keep in mind: Wagmo’s maximum lifetime benefit threshold is $100,000.

    Good for: Pet parents who desire a balanced combination of wellness and emergency care coverage. 

    Average price for DOGS in Mississippi: $42.53/month 

    Average price for CATS in Mississippi: $25.82/month


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: Figo may insure both dogs and cats, but they are known for offering the best monthly premiums for cats. Pet owners get live, 24/7 veterinary telehealth services via their mobile app as part of their coverage. They also feature various wellness package add-ons to pick from, including one that covers as much as $250 in prescription food should your dog or cat need it. Better yet, all plans have unlimited lifetime benefits.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Cat parents and pet owners who value 24/7 telehealth services and want it covered by their policy. 

    Average price for DOGS in Mississippi: $40.11/month 

    Average price for CATS in Mississippi: $20.24/month


    Learn more at ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp offers an emergency fund that protects as many as 6 pets of any age, breed or medical history within a household for only $24/month. Along with the emergency fund, pet parents get unlimited around-the-clock telehealth services and consultations with pet experts. Furthermore, there are no copays, credit checks or deductibles with Pawp, and pet owners get to take their little pals to the veterinarians of their choice. They also guarantee that you will leave the vet’s office with your bill paid in advance, saving you valuable time that would otherwise have been wasted on filing a claim.

    Keep in mind: Pawp covers qualified emergencies as determined by their remote team of veterinarians. The emergency fund covers only one pet from your household for a single vet bill under $3,000 each year.

    Good for: Pets that are older or have pre-existing conditions. An excellent supplement for a typical pet insurance policy. 

    Price: $24/month 


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace has no maximum lifetime benefit limits and even offers their customers a diminishing deductible. Therefore, your deductible will be reduced by $50 each year upon renewal if you had no claim reimbursements the previous year. On top of that, Embrace also offers discounts for those who insure multiple pets. Their most unique feature is their wellness package, which extends coverage to alternative veterinary care such as reiki, acupuncture, chiropractic and massage therapy.

    Keep in mind: That total maximum combined claims per year for the wellness plan is $650, giving you an approximate annual savings of $25. No refunds are given for wellness plan funds that go unused by the end of the year.

    Good for: Pet parents interested in new age, alternative veterinary care. 

    Average price for DOGS in Mississippi: $49.00/month 

    Average price for CATS in Mississippi: $28.62/month


    Learn more at ➜

  • 6. Eusoh

    (Best pet healthshare community)

    Why it’s great: Eusoh is not a pet insurance company. It’s much better. They offer group healthcare for pets, and their members save up to 50% on veterinary care compared to traditional pet insurance plans. Eusoh’s community-based subscription service reimburses for accidents, illnesses and standard care. Pet owners also benefit by being able to take their pets to the vet of their choice and from having access to televet services via Eusoh’s partner FirstVet.

    Keep in mind: Eusoh is not a pet insurance company. However, they provide pet parents with an expense-sharing community. They have a maximum reimbursement total of $8,500 pet, and their highest reimbursement rate is 80%.

    Good for: Pet parents that prefer healthshare communities. 

    Average price for DOGS in Mississippi: $62.58/month 

    Average price for CATS in Mississippi: $40.94/month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Mississippi and they also offer the best value.

Average price for DOGS in Mississippi: $22.67/month 

Average price for CATS in Mississippi: $11.00/month


Learn more at ➜

FAQs About Pet Insurance in Mississippi

  • 1. Can I cancel my dog or cat insurance plan after I make a claim?

    Most pet insurance companies will permit you to cancel your policy at any time. That said, they may require that you do so in writing. Verify with your particular provider as to the appropriate steps. Do be aware that any condition your dog or cat has been diagnosed with before you cancel may end up being listed as a pre-existing condition and excluded from coverage should you wish to buy pet insurance again in the future.

  • 2. How much does pet insurance cost in Mississippi?

    Pet insurance in Mississippi costs anywhere from $18.33 to $55.29 per month for dogs (based on prices for a healthy 2-year-old located in the 39204 zip code). And anywhere from $17.13 to $21.36 per month for cats (based on prices for a healthy 2-year-old located in the 39204 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Do Mississippi pet insurance companies cover spaying and neutering?

    The majority of pet insurance companies do not cover spaying and neutering. Nevertheless, companies like Embrace offer wellness plan add-ons that will cover these operations.

  • 4. Does the cost of insurance increase as my pet ages?

    Monthly premiums increase as your pet grows older. You’ll notice this most once they reach the 4 or 5-year-old mark. Insurance companies do this to offset the increased chances that your pet will suffer an illness or accident as they get older.

  • 5. Which companies cover pre-existing conditions?

    Pawp tops our rankings when it comes to covering emergency care for pre-existing conditions, and Embrace also has policy terms that permit coverage for some curable pre-existing conditions. It is always good to contact the providers directly for further details. Keep in mind that most pet insurance companies never cover pre-existing conditions. The good news is that any pre-existing conditions your pet may have will not make them ineligible for coverage.

  • 6. Is pet insurance worth it in Mississippi?

    Most cats and dogs will inevitably have medical emergencies in their lives. Urgent veterinary care can be incredibly expensive, making pet insurance in Mississippi beneficial. For example, cataract surgery can cost as much as $4,000 and cancer therapies $10,000. Pet insurance helps make it possible for pets to get the care they need, regardless of cost.


We hope this article simplifies your search for the best pet insurance option in Mississippi for your cat or dog. We suggest doing further research on the companies we discuss above before applying for coverage. Ultimately, buying the right pet insurance policy will help guarantee that your little pal has access to all of the necessary care and procedures so that you can share a long and vibrant life with your beloved cat or dog.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 39204 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500
  • Lemonade = $20,000