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Best Pet Insurance in Mississippi of 2025

Lisa Scott

Mississippi is a fantastic place to call home. It is one of the areas where you can live a happy life surrounded by the love of your family and pets. The state is home to a slew of outstanding communities that have topped national rankings for livability, safety, job growth, and more.

Because it is a dog-friendly state, it is also a place where your pets will feel at ease. However, accidents and diseases are more likely to occur as a result of this, implying that pets are not immune to some infections. If your pet becomes ill, the traditional choice is to take him or her to the veterinarian, which may be quite costly.

However, with pet insurance, you will save a significant amount of money. You will receive a significant discount on the original sum you are required to pay. In this piece, we’ll look at pet insurance, how much it’s worth in Mississippi, and a lot more.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it in Mississippi?

A pet health insurance plan pays your actual veterinarian bill and covers accidents and diseases at a lower cost than you would pay at the clinic.

Despite being a pet-friendly state, Mississippi can have characteristics that are hostile to pets on many occasions, causing them to get ill or be fond of veterinarians. Given the presence of some wild animals, such as coyotes, which have been known to attack and harm pets, as well as the presence of rabies.

Mississippi has warm winters and hot, humid summers, with highs of up to 91.3°, making it one of the hottest states in the US. And if your pet becomes sick and has to go to the vet during this time, the expense of veterinary services might put you out of business if you go to the vet three times in a month or two.

If you have pet insurance, though, you won’t have to worry about the cost because it will be covered if your dogs need medical attention.

What are the types of pet insurance plans?

In Connecticut, several pet insurance companies offer three different types of pet insurance coverage. The following are the details:

1. Accident-only plan 

Accident-only coverage is for pet owners who only wish to be covered if their pet is involved in an accident. It is careless with any disease-related or other factors-related situation. This type of insurance pays for the treatment of pets who have been hit by a car or involved in any other type of accident.

Accident-only pet insurance is a cost-effective choice for consumers who do not have a large budget for pet coverage.

2. Accident and Illness plan

The Illnesses and Accidents plan protects the policyholder’s pet against the financial load and negative consequences of unforeseen medical expenses. In the event of illness, accident, or incapacity, it does so by giving payments to the insured.

In a nutshell, it’s a plan that addresses pet-related issues that develop as a result of an accident or disease. This pet insurance plan will assist you in managing unexpected care costs if your pet becomes unwell or gets a disease.

It is regarded as the standard healthcare strategy for pets. The only drawback is that it is selective, which means it may evaluate details about your pet before deciding whether or not to cover it. It may refuse to cover your pet or charge you more if it is older than the specified age group.

3. Wellness or Preventive Plan

Preventive plans, often known as pet wellness plans, are a payment model that reimburses you for typical operations you know your pet will require. They assist you in paying for preventative care such as dental cleaning, vaccinations, heartworm testing, and other procedures.

A pet wellness plan provides coverage for costs related to routine sustenance. It’s a plan that covers the care given to prevent sickness from occurring.

What does pet insurance in Mississippi cover and exclude?

What pet insurance companies exclude from their policies is sometimes based on what they believe they have control over. Connecticut pet insurance, on the other hand, generally covers:

  • Accidents
  • Chronic Illnesses
  • Illnesses of the Mouth and Teeth
  • Cancer
  • Cognitive Behavioral Therapy (CBT)
  • Blood tests, ultrasounds, and CT scans.
  • Illness
  • Specialized Treatment
  • Genetic & Breed-Specific Conditions

Connecticut pet insurance does not cover pre-existing ailments, which are injuries or illnesses that your pet had before your coverage began. They also don’t apply to the following:

  • Treatments and diagnoses that are considered experimental or research-based.
  • Baths, dips, shampoos, and nail trims are examples of grooming procedures.
  • The expense of behavioral training for pets
  • Veterinary care regularly

How much does pet insurance cost in Mississippi?

The cost of health insurance in Mississippi varies depending on the carrier. Before deciding on a price, various conditions must be considered. The following are some of the factors that many insurers consider:

  • What is the age of your pets?
  • They demand to know your pet’s breed.
  • They may want to know your location (zip code)

In Mississippi, below are some examples of how pet insurance costs are calculated.

Breed AgeMonthly Cost
Chihuahua5 years old dog$23 to $90
Chihuahua6 months old puppy$18 to $68
Domestic Shorthair5 years old cat$17 to $45
Domestic Shorthair6 months old kitten$14 to $40

On average, the different policies offered by pet insurance companies in Mississippi should cost around the following amount.

  • Accident Only Coverage – $14 to month $20 monthly 
  • Accident and Illness Coverage – $30 to $40 monthly
  • Wellness Coverage – $15 to $25/monthly

What are the veterinary costs in Mississippi?

Veterinary prices in Mississippi vary depending on the type of facility. The utilization of diagnostic instruments and technology that many human hospitals and urgent care clinics have contributes to the expense of a veterinary center. The sort of illness your pet is suffering from has an impact on the cost.

How this cost varies:

  • Canine Hip Dysplasia – $4,000 to $6,500 per hip
  • Cardiac Issues – $1,000 to $20,000
  • Boxer Cardiomyopathy – $500 to $2,000
  • Broken Bones – $200 to $5,000
  • Cataracts – $1,500 to $3,000 per eye
  • Bladder Stones – $50 to $500
  • Cancer – $5,000 to $20,000

How to choose the best pet insurance in Mississippi  

In Mississippi, you can purchase pet insurance on your own by comparing prices from various providers online. You can choose the one that best matches your budget by comparing these quotations.

Another option is to work with a Mississippi-based independent pet insurance agent. Because an independent insurance agent works with a variety of insurers, they may be able to advise you on which one is best for your dogs.


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