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: April 28, 2026
Advertising & Editorial Disclosure
Key Takeaways
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
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 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.
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?
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.
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
Factor in your pet’s age, breed and known health risks when choosing coverage. Balance your budget with coverage that pays for common medical needs and unexpected care.
- 2Look for Available Insurance Discounts
Check for savings tied to multi-pet plans or annual payment options. Some insurers also offer discounts for military members or participation in wellness programs.
- 3Check Company Reviews and Coverage
Review customer ratings and third-party scores before committing to a provider. Pay close attention to claims turnaround times and policy exclusions that could raise out-of-pocket costs.
- 4Get Multiple Insurance Quotes
Collect quotes from at least three pet insurance companies offering comparable coverage. Comparing deductibles, reimbursement rates and annual limits helps identify the strongest value.
- 5Review Your Policy Annually
Revisit your policy each year as your pet gets older. Since rates increase over time, regular comparisons help keep coverage aligned with your budget.
Best Pet Insurance in Mississippi: Bottom Line
Lemonade leads pet insurance pricing in Mississippi, while Pumpkin offers the best value for cat coverage. Dog owners often find Lemonade’s plans balance coverage and cost well. Comparing providers helps match a policy to your pet’s needs.
Pet Insurance in Mississippi: FAQ
These are common questions Mississippi pet owners ask about pet insurance:
What are the best pet insurance companies in Mississippi?
Mississippi pet owners can get quality coverage through Lemonade, AKC, Pumpkin, Spot and Pets Best.
Which company has the cheapest pet insurance in Mississippi?
Pumpkin, Hartville, Lemonade and ASPCA have the lowest rates in Mississippi. Monthly premiums start at $44 for dogs and $18 for cats.
How much is pet insurance in Mississippi?
Pet insurance in Mississippi costs around $466 annually for cats and $920 for dogs. Annual premiums range from $58 to $11,355 based on your coverage choices and pet's age, breed and health.
What is the best way to find the right pet insurance provider?
Figure out what coverage your pet needs based on age, breed and health history. Read customer reviews and check industry ratings for different companies. Compare policy details, coverage limits and deductibles from at least three insurers. Get quotes from top-rated companies to find rates that fit your budget.
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
We designed our rating system to be easy to understand while including all relevant information about pet insurance:
- 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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Trustpilot. "Lemonade Reviews." Accessed July 30, 2025.