Lemonade is the best pet insurance company for cats and dogs in Mississippi. Other strong insurance options in the state include AKC, Spot, Pumpkin and Pets Best.
Best Pet Insurance in Mississippi
Updated: November 7, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade provides the best pet insurance in Mississippi, with monthly rates starting at $8. It combines affordable pricing with reliable customer service.
In Mississippi, Lemonade provides the cheapest pet insurance for dogs at $44 per month, while Pumpkin offers the lowest rates for cats at $18.
Compare different plans and prices to find coverage that fits your pet’s health needs and your budget.
Best Pet Insurance Companies in Mississippi
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $44 |
| AKC | 4.35 | $55 |
| Pets Best | 4.10 | $53 |
| Rainwalk | 4.05 | $61 |
| ASPCA | 3.85 | $50 |
Lemonade
Best Overall
MoneyGeek Rating
90/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$44Average Monthly Rate for Cats
$21Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
AKC offers the best pet insurance for most dog breeds in Mississippi. Lemonade and Pets Best are also good choices for certain breeds. Review these companies to find the right coverage for your dog.
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $24 |
| AKC | 4.3 | $48 |
| Rainwalk | 4.3 | $43 |
| Lemonade | 4.25 | $27 |
| Spot | 4 | $42 |
Best Pet Insurance by Cat Breed
Our research shows AKC dominates the best pet insurance rankings for most cat breeds in Mississippi, while Rainwalk stands out as an alternative option. Below, you can review which companies are best for your specific cat breed in the state.
Data filtered by:
Abyssinian
| AKC | 4.5 | $35 |
| Rainwalk | 4.45 | $31 |
| Lemonade | 4.35 | $21 |
| Pets Best | 4.3 | $28 |
| Spot | 4.2 | $27 |
Cheapest Pet Insurance in Mississippi
In Mississippi, Lemonade offers the cheapest pet insurance for dogs at $44 per month or $527 per year. For cats, Pumpkin provides the most affordable coverage at $18 per month or $220 per year.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $44 | $527 | -30% |
| ASPCA | $50 | $603 | -20% |
| Pets Best | $53 | $641 | -15% |
| Pumpkin | $53 | $641 | -15% |
| AKC | $55 | $661 | -12% |
| Hartville | $55 | $661 | -12% |
| Met Life | $58 | $690 | -8% |
| Spot | $59 | $709 | -6% |
| Rainwalk | $61 | $732 | -2% |
| Figo | $63 | $759 | 1% |
| Liberty Mutual | $69 | $832 | 11% |
| Embrace | $76 | $909 | 21% |
| Fetch | $89 | $1,073 | 43% |
| Nationwide | $96 | $1,150 | 53% |
Cheapest Mississippi Pet Insurance by Dog Breed
In Mississippi, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across multiple breeds, with plans starting at $14 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $24 | $286 | -50% |
| Lemonade | $27 | $322 | -44% |
| Pumpkin | $32 | $381 | -33% |
| ASPCA | $35 | $422 | -26% |
| Hartville | $39 | $464 | -19% |
Cheapest Mississippi Pet Insurance by Cat Breed
In Mississippi, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable coverage across cat breeds. Monthly premiums start at $13 for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $21 | $257 | -55% |
| Hartville | $26 | $306 | -46% |
| Spot | $27 | $323 | -43% |
| Figo | $27 | $324 | -43% |
| Pets Best | $28 | $332 | -42% |
How Much Is Pet Insurance in Mississippi?
In Mississippi, pet insurance costs about $77 a month for dogs and $39 for cats. These prices are roughly 15% lower than the national average, making coverage more affordable for pet owners in the state.
Data filtered by:
$5,000
$500
80%
| Cat | $39 | $466 | -15% |
| Dog | $77 | $920 | -15% |
How to Get the Best Cheap Pet Insurance in Mississippi
Choosing the best pet insurance in Mississippi can be tricky, but these steps will help you find a plan that works best for you and your pet.
- 1Evaluate Your Pet's Coverage Needs
Think about your pet’s age, breed and possible health risks when deciding on coverage levels. Choose a plan that fits your budget while still covering essential medical care.
- 2Look for Available Insurance Discounts
Many companies offer savings through multi-pet plans or by paying annually. You may also find discounts for military members or those who join wellness programs.
- 3Check Company Reviews and Coverage
Before deciding, read reviews and ratings for each provider. Pay attention to how quickly they process claims and what exclusions might affect your costs.
- 4Get Multiple Insurance Quotes
Ask for quotes from at least three pet insurance providers with similar coverage. Compare deductibles, reimbursement rates and annual limits to see which plan offers the best value.
- 5Review Your Policy Annually
Revisit your policy every year as your pet gets older. Rates often rise over time, so comparing plans regularly helps you keep coverage affordable.
Best Pet Insurance in Mississippi: Bottom Line
Lemonade is the top choice for pet insurance in Mississippi, while Pumpkin offers the best value for cat coverage. For dog owners, Lemonade provides strong protection at competitive rates. Compare different providers and plans to find one that fits your pet’s needs.
Pet Insurance in Mississippi: FAQ
Here are answers to frequently asked questions about Mississippi pet insurance:
What are the best pet insurance companies in Mississippi?
Pet owners in Mississippi can find quality coverage through Lemonade, AKC, Pumpkin, Spot and Pets Best, all offering comprehensive protection for their furry family members.
Which company has the cheapest pet insurance in Mississippi?
Pumpkin, Hartville, Lemonade and ASPCA offer the most competitive pet insurance rates in Mississippi. Monthly premiums start at $44 for dogs and $18 for cats.
How much is pet insurance in Mississippi?
In Mississippi, pet insurance costs around $466 annually for cats and $920 for dogs. Annual premiums can range from $58 to $11,355, depending on coverage options and your pet's characteristics.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Mississippi
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Mississippi residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed July 30, 2025.