Pet Insurance
If your furry friend needs veterinary care, choosing the best pet insurance in Mississippi could save you thousands of dollars in an emergency while providing stress relief because your pet has the protection it needs. Some insurers also offer preventive care to protect your pet’s health in the long run.
MoneyGeek compiled pet insurance quotes in Mississippi’s top cities, like Gulfport, Jackson and Southaven. Our analysis helped determine the average cost of pet insurance in Mississippi along with the benefits. That enables you to find the most affordable coverage that meets your and your pet’s needs.
The Best Pet Insurance Companies in Mississippi
To determine the best pet insurance companies in Mississippi, MoneyGeek evaluated thousands of quotes, policies and coverage details. The best pet insurance companies in Mississippi were selected based on affordability and product offerings.
Factors like your pet’s breed, age and medical history can affect the cost of pet insurance. You should always get multiple quotes to find the best pet insurance coverage in Mississippi according to your budget and needs.
Best Overall Pet Insurance in Mississippi for Your Pet
pros
Offers flexible policy options
Multi-pet discount that can include young and old pets
Covers exam fees
cons
Waiting period for certain condition coverage
COMPANY HIGHLIGHTS
Pets Best is the top overall choice for the best pet insurance in Mississippi. Pets Best provides a variety of options for both dogs and cats, offering customized policies according to your pet’s needs. Pets Best costs an average of $21.51 per month for a pet insurance policy in Mississippi.
Pets Best stands out because it offers extensive dental coverage, vaccine coverage, accident-only and illness packages. The pet insurance provider has annual coverage options of $5,000 or unlimited and deductibles ranging from $50 to $1,000.
Although some product offerings depend on your chosen package, Pets Best offers comprehensive exam coverage, chiropractic care, acupuncture, microchip implantation, and more. A downside with Pets Best is that it does not cover bilateral conditions, and there is an extended waiting period if your pet has an orthopedic condition.
Best Pet Insurance Company in Mississippi: Unlimited Coverage
pros
Offers deductibles from $50 to $1,000
Includes vet telehealth visits
Older pets eligible for coverage
cons
Does not cover pre-existing conditions
COMPANY HIGHLIGHTS
If you’re a Mississippi pet owner looking for unlimited coverage, Pets Best is MoneyGeek’s top pick. Pets Best’s unlimited annual coverage policy costs an average of $27.21 per month in Mississippi.
Although unlimited coverage is usually more expensive than other policy options, it provides additional peace of mind in case of unexpected events. Choosing an unlimited coverage policy means that if your furry friend requires extensive medical care, you don’t have to worry about reaching your annual coverage limit if your pet is very sick. You can also add wellness care to a Pets Best policy, further protecting your pet.
Pets Best also offers coverage for alternative therapies such as cold laser therapy and acupuncture. Although the insurer doesn’t cover the training and treatment for behavioral issues, there are exceptions for consultation and prescribed medications under supplemental benefits.
Best Pet Insurance Company in Mississippi: Affordable Coverage
pros
Customizable coverage to maintain affordability
Wellness package add-ons are available
Coverage for young and old pets is possible
cons
No end-of-life coverage
COMPANY HIGHLIGHTS
Pets Best is MoneyGeek’s best choice for the most affordable pet insurance policy in Mississippi — it costs an average of $15.80 per month to insure one pet. Because of Pets Best’s flexible and customizable plans, you can choose the kind of coverage your pet needs based on factors like their age, breed and overall health without breaking the bank.
For example, if you have a young and relatively healthy pet, you may opt for a high deductible plan (as much as $1,000 through Pets Best) with an affordable monthly premium. If your pet is prone to adventurous activities and, sadly, injuries because of it, you may choose a lower deductible with a 70% reimbursement rate to save money.
Pets Best is also distinct among other pet insurers in Mississippi because, depending on the policy inclusions, it covers selected prescription medication, microchip implantation, alternative therapies like chiropractic, and aging eye and ear problems for older pets as long as it isn’t a pre-existing condition.
Best Pet Insurance Company in Mississippi: Multiple Pets
pros
Quick turnaround for claims
Flexibility with policy coverage and deductible
Provides unlimited coverage option
cons
Does not cover behavioral issues
COMPANY HIGHLIGHTS
If you have multiple furry family members, Pets Best is MoneyGeek’s choice for a multiple pet insurance policy in Mississippi. Averaging $19.35 per month, Pets Best offers cheap multi-pet insurance in Mississippi. Mississippi pet owners can receive coverage for alternative care, dental care, exam fees and accidents through Pets Best.
To help with monthly expenses for your dogs or cats, Pets Best has accident-only plans and wellness add-ons available, so you can customize your policy. You get a discount when insuring multiple pets of 5%, which further benefits your budget. With Pets Best, you also get coverage for sick visits with any licensed vet, emergency clinic or specialist regardless of your plan.
Pets Best provides insurance for both cats and dogs and offers different coverage limits and many deductibles. Policies with Pets Best cover accidents, illnesses, hereditary and congenital conditions and routine care. You get to pick and choose your multi-pet pet insurance policy details based on your budget and needs.
Best Pet Insurance Company in Mississippi: Cats
pros
Various deductible options
Covers behavioral treatment
Multi-pet discount
cons
No unlimited coverage option
COMPANY HIGHLIGHTS
For cat owners who want the best pet insurance in Mississippi, MoneyGeek recommends Embrace. Insuring a cat is typically less expensive than insuring a dog, but the price does depend on your cat’s specifics, like age, location and breed. To insure one cat in Mississippi, the average cost of a policy with Embrace is $15.67 per month.
Embrace offers extensive coverage options for your feline friend, covering prescribed food and nutritional supplements, alternative therapy like chiropractic, dental care, chronic conditions, exam fees, and more.
If your Mississippi home has more than one cat and you want to save some money while getting quality coverage, Embrace offers a multi-pet discount for cat insurance policies in Mississippi.
Embrace does not provide unlimited coverage for cats; its maximum coverage limit is $30,000 per year. In most cases, most policyholders won’t exceed this limit. But, you do benefit from deductibles ranging from $200 to $1,000 and three reimbursement rate options.
Best Pets Insurance in Mississippi Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallPets Best$22
- Unlimited CoveragePets Best$27
- Affordable CoveragePets Best$16
- Multiple PetsPets Best$19
- CatsEmbrace$16
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Mississippi?
Pet insurance in Mississippi will vary based on location, your policy’s coverages and deductible, and your pet’s breed and age. The average dog insurance policy in Mississippi costs $24.92 per month for a $5,000 annual coverage limit, $43.45 per month for a $10,000 yearly coverage limit, and $45.21 per month for unlimited coverage.
Most often, cats are less expensive to insure than dogs in Mississippi, costing an average of $13.63 per month for a $5,000 yearly coverage limit, $21.66 per month for a $10,000 annual coverage limit, and $30.76 per month for unlimited coverage.
Average Monthly Cost of Pet Insurance in Mississippi
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$25$43$45
- Average Cost for a Cat$14$22$31
HOW MUCH PET INSURANCE DO YOU NEED IN MISSISSIPPI?
For the average pet insurance buyer in Mississippi, MoneyGeek recommends a $3,000 to $8,000 annual coverage limit and an 80% reimbursement rate or more. These rates will help make sure that if your pet gets into an accident, you can afford the costs that come with it without sacrificing the care they receive.
Compare the Cheapest Pet Insurance Quotes in Mississippi
MoneyGeek wants to help dog or cat pet insurance buyers in Mississippi understand the typical options most companies in Mississippi offer in their pet insurance policies, which include:
- Annual reimbursement limits that range from $3,000 to unlimited coverage
- Deductibles of $250 or $500 are common, but some companies have higher or lower options
- Bill reimbursement percentage is often 70-90%
Some Mississippi pet owners might prefer a more affordable policy with lower coverage amounts to manage monthly expenses or because their pet does not need much insurance coverage. But other Mississippi pet owners might prefer a policy with high coverage limits or even unlimited coverage to give their pet the maximum protection. Policies with high annual coverage limits are usually more expensive, and the average pet owner may not need unlimited protection. But, it is an option to guarantee that whatever happens to your pet in a year, it has insurance coverage.
MoneyGeek commonly recommends the average coverage amount below for pet owners who want pet insurance in Mississippi.
Cheapest Pet Insurance in Mississippi by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$16
- $10,000Figo$39
- UnlimitedPets Best$27
Consider a pet insurance policy with a low annual maximum, high deductible and low reimbursement percentage to save some money in Mississippi. In the table below, MoneyGeek compared Mississippi pet insurance policies with a $5,000 annual coverage limit, $500 deductible and 80% reimbursement. You can also view the cheapest average and unlimited coverage prices.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$16
- Pet Plan$20
- Hartville$21
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
- Figo$39
- ASPCA$39
- Hartville$39
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$27
- Healthy Paws$38
- Trupanion$39
The Best Cheap Pet Insurance by City in Mississippi
Pet insurance costs in Mississippi can vary per city. Because some cities have a higher cost of living, it translates to higher veterinary medical costs and more expensive premiums. Some cities in Mississippi may have more accident risks for your furry friends because of traffic, weather or other hazards, affecting pet insurance prices. The coverage amounts and policy inclusions you choose also affect your monthly premium. Regardless of where you live in Mississippi, though, cheap pet insurance is available.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Gulfport$5k: Pets Best, $15
Unlimited: Pets Best, $26
$10k: Figo, $37 - Jackson$5k: Pets Best, $17
Unlimited: Pets Best, $30
$10k: ASPCA, $39
$10k: Hartville, $39
$10k: Spot, $39 - Southaven$5k: Pets Best, $15
Unlimited: Pets Best, $26
$10k: Figo, $37
MoneyGeek used city-based data in Mississippi by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Mississippi?
Pet insurance in Mississippi depends on various factors, like how old your pet is, your location, what kind of pet you have, what policy limits you choose, and more. Almost all policies are flexible and personalizable based on what works best for you and your furry friend. Here’s a review of the factors that influence pet insurance prices in Mississippi.
Annual reimbursement limit
Also known as coverage limit, the annual reimbursement is how much insurance companies pay for your pet’s medical expenses during a policy year. Coverages can range from $3,000 up to unlimited.
Deductible
Most deductibles are $250 or $500. If you choose a low deductible, you pay more a month; with a high deductible, the price is more affordable. You pay the deductible before insurance coverage begins.
Bill reimbursement percentage
This is the amount your insurance company reimburses for your pet’s medical bills. It can be 70%, 80% or 90%. For example, if you have a 90% reimbursement rate and a bill for $1,500, the insurance covers $1,350.
Breed
Dogs are usually more expensive to insure than cats. Larger breeds or breeds with known congenital health issues may cost more.
Animal age
If your pet is older, they are more expensive to insure since many of our furry friends develop health issues over time.
Location
Where you live can affect pet insurance costs. Your premiums may cost more if you live in an area with a high cost of living or that is more prone to severe weather.
Multi-pet discount
If you insure more than one pet, some companies offer a discount.
FAQ’s About Pet Insurance in Mississippi
Roughly 66% of Mississippi households own pets; however, only a small portion has proper pet insurance. MoneyGeek believes that pet insurance protects you from huge expenses if anything happens to your beloved furry friend.
If your dog gets into an accident, treatment potentially costs around $800 without insurance, while more serious illnesses like cancer can cost around $1,810 or more.
Pet insurance can generally help you avoid huge expenses while ensuring that you can afford medical care for your pet.
Pets Best averages the cheapest pet insurance in Mississippi at $15.80 per month, but the most affordable option for you depends on where you live and what kind of pet you have.
On average, pet insurance with a $10,000 annual coverage limit costs around $43 per month for a dog and roughly $22 per month for a cat in Mississippi. The coverage limit you choose, deductible and other factors like location determine your final rate.
MoneyGeek found that for unlimited, affordable and overall excellent pet insurance for dogs, Pets Best is the best in Mississippi, and also when insuring multiple pets. Embrace is the best pet insurance company in Mississippi for cats.
MoneyGeek's Rating Methodology for Pet Insurance
MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet’s needs.
To determine the best pet insurance companies in Mississippi, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.
To determine the cheapest pet insurance companies in Mississippi and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Mississippi for four pet types with the following coverage levels:
- Low coverage: $5,000 coverage, $500 deductible, 80% reimbursement
- Average coverage: $10,000 coverage, $250 deductible, 80% reimbursement
- High coverage: Unlimited coverage, $250 deductible, 90% reimbursement
About Mark Fitzpatrick
sources
- AVMA. "AVMA Pet Ownership and Demographic Sourcebook." Accessed November 29, 2021.
- Canine Journal. "How Much Does A Vet Visit Cost? List Of Common Expenses." Accessed November 29, 2021.
Pet Insurance
