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
The best pet insurance companies in Mississippi are Lemonade, Pumpkin, Spot and AKC, with monthly plans starting at $5.
Ready to protect your furry friend? Let's find you the perfect plan.

Updated: December 4, 2025
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Lemonade tops Mississippi pet insurance with rates starting at $8 monthly. You get affordable pricing plus reliable customer service.
Dog owners in Mississippi pay $44 monthly with Lemonade's cheapest plans, while cat owners pay just $18 through Pumpkin.
Comparing plans helps you match coverage to your pet's health needs and your budget.
Best Pet Insurance Companies in Mississippi
| Lemonade | 4.50 | $44 |
| AKC | 4.35 | $55 |
| Pets Best | 4.10 | $53 |
| Rainwalk | 4.05 | $61 |
| ASPCA | 3.85 | $50 |

Best Overall
Average Monthly Rate for Dogs
$44Average Monthly Rate for Cats
$21Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
- pros
Quick claims processing through an AI-powered app
Short 30-day waiting period for orthopedic conditions
Flexible coverage with several add-on options
consOnly covers pets up to age 10
No option for unlimited annual coverage
Lemonade's tech focus keeps pet insurance in Mississippi affordable. The app handles many claims in just minutes, getting you quick reimbursements for covered expenses.
Lemonade pet insurance in Mississippi starts at $8 monthly and goes up to $85 based on your pet's age, breed and coverage choices. Here's what Mississippi pet owners typically pay:
Data filtered by:CatMiddle Aged$10,00060%$100Lemonade $41 $488 Lemonade scores 4.2 out of 5 on Trustpilot, with 72% positive reviews. Customers love the fast claims process and helpful support. Some pet owners point out that coverage gets limited for older pets.
Accident and illness coverage through Lemonade includes annual limits from $5,000 to $100,000. You can pick deductibles from $100 to $750 and reimbursement rates from 60% to 90% based on your budget. Orthopedic conditions need just 30 days of waiting compared to the typical six-month industry standard.
Best Pet Insurance by Dog Breed
AKC leads pet insurance for most Mississippi dog breeds. Lemonade and Pets Best work well for certain breeds too. Check out these companies to find coverage matching your dog's needs.
| 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.
| 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.
| 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.
| 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.
| 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?
Mississippi pet insurance runs about $77 monthly for dogs and $39 for cats. These rates come in 15% below the national average, making coverage more affordable for state pet owners.
| 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
Your pet's age, breed and health risks shape what coverage makes sense. Pick a plan fitting your budget while covering essential medical care.
- 2Look for Available Insurance Discounts
Multi-pet plans and annual payments create savings at many companies. Military members and wellness program participants often score additional discounts.
- 3Check Company Reviews and Coverage
Read provider reviews and ratings before choosing. Focus on claims processing speed and exclusions that could bump up your costs.
- 4Get Multiple Insurance Quotes
Request quotes from at least three pet insurance companies offering similar coverage. Comparing deductibles, reimbursement rates and annual limits shows you the best value.
- 5Review Your Policy Annually
Check your policy yearly as your pet ages. Rates climb over time, so regular plan comparisons 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.

