Lemonade is the best pet insurance company for cats and dogs in Mississippi. AKC, Spot, Pumpkin and Pets Best are also worth comparing.
Best Pet Insurance in Mississippi
Updated: June 9, 2026
Advertising & Editorial Disclosure
Key Takeaways
Lemonade has the lowest pet insurance rates in Mississippi, starting at $8 a month.
Dog owners in Mississippi pay $44 a month with Lemonade's cheapest plans. Cat owners pay $18 a month through Pumpkin.
Run quotes on at least three plans to find coverage that fits your pet 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
4.5/ 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 rank well for certain breeds based on price and coverage.
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
AKC ranks first for most cat breeds in Mississippi. Rainwalk is a competitive alternative for several breeds.
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
Lemonade has the cheapest pet insurance for dogs in Mississippi at $44 a month or $527 a year. For cats, Pumpkin offers the most affordable coverage at $18 a month or $220 a 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
Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance in Mississippi across multiple breeds, with plans starting at $14 a month.
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
Pets Best (13 wins), Lemonade (eight wins) and Pumpkin (eight wins) offer the most affordable coverage across cat breeds in Mississippi. Premiums start at $13 a month.
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 a month for dogs and $39 a month for cats. Both figures are 15% below the national average.
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
- 1Evaluate Your Pet's Coverage Needs
Consider your pet's age, breed and known health risks when choosing a plan. Weigh your budget against coverage that pays for routine medical needs and unexpected care.
- 2Look for Insurance Discounts
Check for savings through multi-pet plans or annual payment options. Some insurers also offer discounts for military members or for participating in wellness programs.
- 3Check Company Reviews and Coverage
Read customer ratings and third-party scores before choosing a provider. Look closely at claims turnaround times and policy exclusions that could increase your out-of-pocket costs.
- 4Get Multiple Quotes
Get quotes from at least three pet insurance companies with comparable coverage. Comparing deductibles, reimbursement rates and annual limits tells you which plan gives you the most for your money.
- 5Review Your Policy Every Year
Check your policy every year as your pet ages. Rates go up over time, so a quick annual comparison helps you avoid overpaying.
Best Pet Insurance in Mississippi: Bottom Line
Lemonade has the lowest pet insurance prices in Mississippi, and Pumpkin is the top pick for cat owners. Many dog owners get good coverage at a lower price with Lemonade. Quotes from a few providers go a long way toward finding a plan that fits your pet.
Pet Insurance in Mississippi: FAQ
What are the best pet insurance companies in Mississippi?
Lemonade, AKC, Pumpkin, Spot and Pets Best are the top-rated pet insurance options in Mississippi.
Which company has the cheapest pet insurance in Mississippi?
Lemonade, Pumpkin, Hartville and ASPCA have the lowest rates in Mississippi. Premiums start at $44 a month for dogs and $18 for cats.
How much is pet insurance in Mississippi?
Pet insurance in Mississippi costs around $466 a year for cats and $920 a year for dogs. Annual premiums range from $58 to $11,355 based on your coverage choices and your pet's age, breed and health.
What is the best way to find the right pet insurance provider?
Start by identifying what your pet needs based on age, breed and health history. Check customer reviews and industry ratings for each company you're considering, then compare policy details, coverage limits and deductibles from at least three insurers. Quotes from at least three providers give you enough data to choose the best rate for your budget.
How We Found the Best and Cheapest Pet Insurance in Mississippi
We researched all 20 major pet insurance providers in the U.S., compared their policies and gathered quotes for Mississippi residents. The standard profile we used:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever (dog profile)
- 7-year-old Ragdoll (cat profile)
Our Company Rating System
Our rating system scores every provider on three factors:
- Affordability (50%): Scores are based on proprietary quote data across all coverage combinations, pet ages and breeds in the U.S. We also factored in available discounts and how each company applies them to your premium.
- Customer experience (30%): This score draws from customer ratings gathered across the web, industry scores from agencies like AM Best and Reddit comment sentiment.
- Coverage options (20%): All plan terms, add-ons and inclusions were reviewed and weighed against the most common pet medical costs to score each provider's real-world usefulness.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.
Sources
- Trustpilot. "Lemonade Reviews." Accessed June 9, 2026.