Best Pet Insurance in Missouri of 2022

Lisa Scott

Missouri is a lovely and safe Midwestern state with magnificent landscapes and vibrant cities. It is one of the ideal places for active folks looking to make the most of their newfound animal friends. Apart from that, the state also has a culture that loves and respects animals, so pet insurance is a common thing in Missouri,

The prevalent pet culture in Missouri ensures that pets get good healthcare and that they have specific rights, including provisions for an up-to-date vet center with cutting-edge technology. These measures are in place to handle pet health care if they become ill or have an accident.

Veterinary treatment for pets can be expensive, but pet insurance offers numerous cost-cutting choices, making it more affordable. Read on to learn more about the best pet insurance in Missouri.

Extensive coverage to help keep your pet healthy


Coverage Up To


Reimbursement Rates


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 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 Paid Endorsement.

Short waiting periods on accidental coverage


Coverage Up To

70% - 100%

Reimbursement Rates


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

Affordable prices with a fast reimbursement process


Coverage Up To

70% - 90%

Reimbursement Rates


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

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


Coverage Up To


Reimbursement Rates


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

Is pet insurance worth it in Missouri?

Pets are not immune to illness or severe surroundings, and they may become ill, necessitating their transport to veterinary clinics. Furthermore, creatures such as snakes and other predators might bite and infect your pets.

With the high cost and possibilities of your pets having accidents or falling sick, pet insurance is worth purchasing in Missouri. Pet insurance, which is a way of cutting the cost of vet care while providing maximum protection and treatments, is your best bet for effective pet treatment and healthcare. 

What types of pet insurance plans are in Missouri?

The following are the four main types of pet insurance plans:

  • Accident-only plan: This plan is for unforeseen injuries and treatments due to an accident. For example, your pet could get hit by an oncoming vehicle, consume harmful substances, or get bitten by an animal. Most insurance companies in Missouri include what they consider to be accidents in their policies. Your accident coverage will begin almost immediately or within 48 hours after your coverage gets a valid verification.
  • Accident and illness plan: This plan covers both accident and illness-related injuries and treatments. Medications, x-rays, hospitalizations, and surgeries are among the services covered. However, while this approach may be beneficial, most insurance companies take the age of your pet into account. Older pets are often not eligible for this type of plan.
  • Wellness plan: This plan is primarily for your pet’s health maintenance and include things like microchipping, immunizations, veterinary exams, among other services. A wellness plan is primarily an add-on option, though some providers provide it as a stand-alone plan too. Some insurers offer pet medical insurance and pet wellness care at a low cost, so it often considered a more affordable option compared to other plans.
  • Comprehensive plan: This is the most holistic plan of the four offered. It includes coverage of accidents, illnesses, injuries, and wellness care.

What does pet insurance cover and exclude?

In Missouri, pet insurance coverage varies greatly depending on the provider; some insurers may not cover certain conditions while others may.

The following are most commonly covered under pet insurance policies:

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

The following is a list of exclusions you should be aware of when looking at pet insurance policies:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Additional veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and declawing. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in Missouri? 

Pet insurance in Missouri can vary depending on your pet’s age, breed, species, and your budget. Accident and illness insurance plans for dogs typically costs $15–$80 per month, while cat insurance costs $10–$60 per month.

Below are some more details about how certain factors may influence the cost of your insurance:

  • Age: The age of your pet can cause your premium to increase or decrease. This is because older animals are more likely to have health issues, which makes them more expensive to insure.
  • Species: Pet insurance rates are likely to be influenced by the species of your pet. You are likely to pay more if you have a dog than if you have a cat.
  • Breed: Your pet’s breed may have a significant impact on the cost of your insurance. This can be because a pet’s hereditary sensitivity to various illnesses could be more intense for certain breeds in comparison to others.
  • Location: The cost of a plan is usually established by the projected veterinary fees in your location.

What are the veterinary costs in Missouri?

The high cost of veterinary services is due to the high cost of pet medications and the use of new medical equipment. A normal check-up might cost anywhere from $50 to $250, and most veterinary care is under $500. Other veterinary charges for diagnosing and treating pets’ illnesses varies depending on the type of condition. Here are some typical prices for various services:

Veterinary serviceCost
Routine check-up$40-$260
Heartworm test$40-$50
Dental cleaning$72-$450
Vaccines per shot$15-$34
Physical exams$45-$55
Fecal exam$25-$45
Allergy testing$195-$300
Geriatric screening$75-$110
X-ray exam$130- $250
Wound treatment $800-$2,500
Emergency surgery$1,500-$6000
Oxygen therapy$400-$3000
Short hospitalizations$600-$1,700
Long hospitalizations$1,500-$3,500

How to choose the best pet insurance in Missouri?

After reviewing our guide, it may be a bit easier to select a pet insurance plan in Missouri. However, before you make your final decision, keep the following key factors in mind:

  • Compare quotes from various insurance agencies: To help you choose the most fitting plan for your pet, compare quotes from several companies. You will also want to compare the deductibles and find a plan that fits your budget.
  • Contact an insurance agent: A Missouri-based independent pet insurance agent could help you during the research process because they are familiar with a range of insurance carriers. You can compare and contrast plans recommended by the independent insurance agent and find the best insurance suitable for your pet’s needs.
  • Read customer reviews: The best way to learn about an insurance provider’s service is via customer reviews. Read what former or current customers have to say about their experience with an agency. You can also learn about how they handle their claims process and their overall quality of service. This step could help you finalize your decision when choosing a plan.