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: September 11, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance for pets in Mississippi, with monthly rates starting at $8. It combines competitive pricing with excellent customer service.
In Mississippi, Lemonade provides the cheapest pet insurance for dogs at $44 per month, while Pumpkin has the lowest premiums for cats at $18.
Compare multiple policies and prices to find coverage that matches your pet's health needs and your budget.
Best Pet Insurance Companies in Mississippi
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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 Options
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
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Mississippi, while Lemonade and Pets Best stand out as top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed: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.
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Breed: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.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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.
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Breed: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.
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Breed: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 costs around $77 monthly for dogs and $39 for cats. These rates run about 15% lower than the national average for both types of pets, making coverage more affordable for Mississippi pet owners.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $39 | $466 | -15% |
| Dog | $77 | $920 | -15% |
How to Get the Best Cheap Pet Insurance in Mississippi
Finding the best cheap provider and coverage plan in Mississippi can be difficult. Here's how to find the best pet insurance for your needs:
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Evaluate Your Pet's Coverage Needs
Consider your pet's age, breed and potential health risks when choosing coverage levels. Focus on what you can afford monthly while ensuring essential medical needs are covered.
- 2
Look for Available Insurance Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Check for additional discounts like military service member rates or wellness program savings.
- 3
Check Company Reviews and Coverage
Research insurance provider ratings and customer feedback before making a decision. Pay attention to claim processing times and coverage exclusions that could affect your costs.
- 4
Get Multiple Insurance Quotes
Request quotes from at least three different pet insurance providers for comparable coverage. Make sure to compare deductibles, reimbursement rates, and annual limits.
- 5
Review Your Policy Annually
Set a yearly reminder to compare rates and coverage options as your pet ages. Insurance costs typically increase each year, so shopping around can help maintain affordable rates.
Best Pet Insurance in Mississippi: Bottom Line
Lemonade is our top pick for pet insurance in Mississippi, while Pumpkin leads the pack for affordable cat coverage. For dog owners, Lemonade offers both quality coverage and competitive rates. Compare multiple providers and coverage options to find the right fit for 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed July 30, 2025.