Our dogs and cats bring us joy and show such loyalty. It’s only natural that we want to take care of them, too, and be prepared for those unexpected injuries or when they become sick. Times like that can be overwhelming and a financial burden. Pet insurance can provide that financial buffer during emergencies. We’ve reviewed the 5 best pet insurance companies for Missouri residents so you can decide the best option for you and your pet.
5 Top Missouri Pet Insurance for Dogs & Cats
Why it’s great: Ranking best overall for affordable rates, Lemonade has excellent accident and illness coverage, and offers preventative care options to add to a basic policy. While many providers have a 14 day waiting period for accidents, they only require a 2 day wait. Lemonade has a world class mobile app that makes processing claims easier and quicker with their user-friendly filing system. If you have homeowner’s or renter’s insurance with Lemonade, you can bundle it with a pet insurance policy for a discount.
Keep in mind: You may be required to submit documentation prior to obtaining a policy so they can look at your pet’s age, pre-existing conditions and complete medical history.
Good for: Almost all cats and dogs, particularly if they are younger and in good health.
Average price for DOGS in Missouri: $22.33/month
Average price for CATS in Missouri: $11.00/month
(Best for wellness)
Why it’s great: Once you meet your annual deductible, Wagmo will reimburse up to 100% of vet fees for the rest of the year, something Missouri pet parents should love! Their reimbursements are fast, too, and can be direct deposit, PayPal or Venmo. Wagmo offers a wide range of wellness plan add-ons and you can take your pet to any licensed vet that you choose. There are discounts for multiple pets as well as renewing your policy when you’ve had no claims the previous year.
Keep in mind: Wagmo has what is called a maximum, or lifetime, payout limit of $100,000 and that means once the reimbursed claims reach that amount, coverage will end.
Good for: Pet parents looking for health coverage and preventative wellness care.
Average price for DOGS in Missouri: $39.17/month
Average price for CATS in Missouri: $23.89/month
(Best for cats)
Why it’s great: Figo offers some of the lowest premiums around for cat insurance which is great news to feline pet parents! They also understand that not all medical incidents will occur during “normal business hours” so they offer live, 24/7 veterinary support in their mobile app. Figo has several wellness packages that can be added to a basic policy, including one that pays for up to $250 of vet-prescribed food. They have no lifetime payout limit with unlimited benefits.
Keep in mind: Like most insurance providers, Figo will not cover anything considered a pre-existing condition.
Good for: Anyone who would like to be able to contact a vet 24/7 and have the service covered under insurance.
Average price for DOGS in Missouri: $29.46/month
Average price for CATS in Missouri: $14.86/month
(Best for pre-existing conditions)
Why it’s great: Pawp will protect up to 6 of your pets regardless of their age, breed or pre-existing condition under an emergency fund. This plan also includes unlimited 24/7 access to telehealth services such as consultations with licensed veterinarians or pet experts. You can visit any licensed vet and you will leave the clinic with the bill fully paid with no copays, deductibles or credit checks. You don’t even need to submit a claim for reimbursement!
Keep in mind: Before you go to the clinic, a virtual vet must “pre-authorize” the visit as an emergency. The emergency fund will only cover one pet for a single vet bill up to $3,000 annually.
Good for: This fund could be a good supplement to a typical policy or used for older pets or those with pre-existing conditions.
(Best established brand)
Why it’s great: Your dog or cat will be eligible for coverage well into their senior years as Embrace has no limits on maximum lifetime payouts. If your pet needs it, they cover spay/neuter procedures under one of their routine care plans, and they also offer multi-pet discounts. Pet parents can get excited about their “diminishing deductibles,” where your annual deductible is lowered by $50 every year that you do not have an insurance claim reimbursement. Embrace is one of the few insurance companies that includes alternative veterinary medicine under a wellness plan. This could be acupuncture, reiki, massage therapy or chiropractic visits.
Keep in mind: Pets over 14 years of age are not eligible for their pet insurance policies. The maximum combined claims for the wellness add-on is $650/year, which amounts to approximately $25 in savings annually.
Good for: Those interested in alternative, new age veterinary care.
Average price for DOGS in Missouri: $50.47/month
Average price for CATS in Missouri: $29.24/month
FAQs about Pet Insurance in Missouri
1. What does pet insurance typically cover for dogs and cats?
Pet insurance plans and options vary by provider but in general, they cover new accidents and illnesses. Some examples are hospitalization, diagnostic tests like x-rays or MRIs, lab and blood work, surgery, cancer treatment, or prescription medication.
2. How much does pet insurance cost in Missouri?
Pet insurance in Missouri costs anywhere from $13.46 to $40.62 per month for dogs (based on prices for a healthy 2-year-old located in the 63106 zip code). And anywhere from $12.59 to $15.69 per month for cats (based on prices for a healthy 2-year-old located in the 63106 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. Can I cancel my pet insurance plan after I make a claim?
Most insurance companies will allow you to cancel a plan as long as you put it in writing. Be sure to pay attention to the fine print of any cancellation policy so there aren’t surprise fees. Suppose an illness was diagnosed or your pet was treated for an injury before you canceled the policy. In that case, those ailments may be considered pre-existing conditions if you were to reinstate the insurance policy at a later date.
4. Do Missouri pet insurance companies cover spay/neuter?
While most pet insurance companies in Missouri do not cover spay/neuter procedures, a few like Embrace offer it in a wellness package that you can add to your insurance plan.
5. Does the cost of insurance increase as my pet ages?
As your dog or cat gets older, the likelihood that they could experience an unexpected accident or become gravely ill does go up. In order to balance out the risk of insuring these events, companies begin to increase premiums over time, beginning when your pet is 4 or 5 years old.
6. Which companies cover pre-existing conditions?
Pawp leads the pack when it comes to covering pre-existing conditions as they aren’t a barrier to care as long as it’s an emergency. Embrace has also written policies that may grant coverage for curable pre-existing conditions but you should check with them upfront. It’s best to review specific policy terms around pre-existing conditions before you buy a plan as most companies do not cover them.
7. Is dog or cat insurance worth it in Missouri?
Think about auto insurance you purchase for your car – you may not use it for a while and then a big expense will come along. You buy insurance for protection, and that’s what pet insurance is – a financial buffer when medical emergencies affect your dog or cat. Treating cancer or surgery for a heart condition can be very costly and stressful, but pet insurance allows you to focus on more important things.
8. What are some strategies to keep my pet safe in Missouri?
This can involve many things, including something as simple as a leash. For example, in some cities in Missouri, St. Louis, it is illegal to have your dog off property without a leash unless they are at a dog park or in a fenced-in area. Leashes also help prevent dogs from becoming lost. There are too many dangers outdoors, such as coyotes in the spring, that it is not wise to allow your dog to run around on their own. If you like to take your dog for regular walks, it is good to register them, which might also be a city ordinance, depending on where you live. Another way to keep your pets safe is to get them vaccinated. Proof of rabies vaccination is often required when you register a dog or take them to doggie daycare. There are other vaccinations a vet might recommend based on your pet’s lifestyle.
We hope this article has shed some light on pet insurance plans in Missouri. Each plan is different so it’s important to look over the specific details of each policy to determine which would be the best fit for you and your pet. Buying the right pet insurance policy will help keep your furry family members healthy into their golden years and give you peace of mind when unexpected accidents and illnesses occur. We have found Lemonade to offer a great mix of coverage and price for pet insurance coverage.
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 63106 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
- Lemonade = $20,000