Lemonade is the best pet insurance company in Missouri for cats and dogs. Other strong insurance options in the state include AKC, Spot, Pumpkin, Rainwalk and Pets Best.
Best Pet Insurance in Missouri
Updated: October 27, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance for pets in Missouri, with monthly rates starting at $7. It combines competitive pricing with excellent customer service.
In Missouri, Lemonade provides the cheapest pet insurance for dogs at $41 per month, while Pumpkin has the lowest premiums for cats at $17.
Compare multiple insurance plans and providers to find coverage that matches your pet's needs and your budget.
Best Pet Insurance Companies in Missouri
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $41 |
| AKC | 4.30 | $54 |
| Rainwalk | 4.15 | $55 |
| Pets Best | 4.15 | $49 |
| ASPCA | 3.85 | $46 |
| Spot | 3.80 | $55 |
| Pumpkin | 3.80 | $50 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$41Average Monthly Rate for Cats
$20Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
AKC leads pet insurance rankings for most dog breeds in Missouri, while Lemonade and Pets Best excel for select breeds. Compare which companies work best for your dog below.
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $22 |
| Rainwalk | 4.3 | $39 |
| AKC | 4.3 | $46 |
| Lemonade | 4.3 | $25 |
| Spot | 4 | $39 |
Best Pet Insurance by Cat Breed
AKC leads pet insurance rankings for most cat breeds in Missouri, with Rainwalk as a strong alternative. Compare which companies work best for your cat below.
Data filtered by:
Abyssinian
| AKC | 4.45 | $35 |
| Rainwalk | 4.45 | $28 |
| Lemonade | 4.35 | $20 |
| Pets Best | 4.3 | $26 |
| Spot | 4.2 | $25 |
Cheapest Pet Insurance in Missouri
Lemonade offers Missouri's most affordable dog insurance at $41 monthly ($489 annually). Pumpkin provides the lowest-cost cat coverage at $17 monthly ($204 annually).
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $41 | $489 | -29% |
| ASPCA | $46 | $552 | -20% |
| Pets Best | $49 | $594 | -14% |
| Pumpkin | $50 | $595 | -14% |
| Met Life | $52 | $617 | -11% |
| Figo | $52 | $623 | -10% |
| Hartville | $53 | $635 | -8% |
| AKC | $54 | $646 | -7% |
| Rainwalk | $55 | $655 | -5% |
| Spot | $55 | $662 | -4% |
| Liberty Mutual | $60 | $718 | 4% |
| Embrace | $71 | $856 | 24% |
| Fetch | $83 | $995 | 44% |
| Nationwide | $92 | $1,109 | 60% |
Cheapest Missouri Pet Insurance by Dog Breed
Lemonade, Pumpkin and Pets Best offer Missouri's most affordable dog insurance, with rates starting at $13 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $22 | $265 | -50% |
| Lemonade | $25 | $299 | -44% |
| Pumpkin | $29 | $353 | -33% |
| ASPCA | $32 | $389 | -27% |
| Figo | $36 | $437 | -17% |
Cheapest Missouri Pet Insurance by Cat Breed
Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide Missouri's most affordable cat insurance, with rates starting at $12 monthly for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $20 | $238 | -55% |
| Figo | $22 | $266 | -50% |
| Hartville | $24 | $290 | -45% |
| Spot | $25 | $298 | -44% |
| Pets Best | $26 | $308 | -42% |
How Much Is Pet Insurance in Missouri?
Missouri pet insurance averages $71 monthly for dogs and $36 for cats, 21% lower than the national average.
Data filtered by:
$5,000
$500
80%
| Cat | $36 | $433 | -21% |
| Dog | $71 | $854 | -21% |
How to Get the Best Cheap Pet Insurance in Missouri
Finding the best cheap provider and coverage plan in Missouri can be difficult. Here's how to find the best pet insurance for your needs:
- 1Evaluate Your Pet's Coverage Needs First
List your pet's specific health risks and the monthly coverage you can afford. Talk with your vet about common health issues for your pet's breed and age.
- 2Look for Available Insurance Discounts
Check if you qualify for multi-pet or annual payment discounts. Many Missouri insurers also offer savings for military members and spayed or neutered pets.
- 3Check Insurance Company Track Records
Review customer feedback and claim payment histories of pet insurance providers serving Missouri. Focus on companies with strong financial ratings and positive customer reviews.
- 4Get Multiple Insurance Quotes Online
Get quotes from at least three providers for identical coverage levels. Direct comparison ensures you're getting competitive rates.
- 5Review Your Policy Costs Annually
Set a yearly reminder to compare pet insurance rates. Annual shopping helps you maintain affordable coverage as premiums change.
Best Pet Insurance in Missouri: Bottom Line
Lemonade ranks as our top pet insurance pick in Missouri for cats and dogs. Pumpkin offers the lowest cat rates, while Lemonade provides the cheapest dog insurance.
Your best choice depends on your pet's specific needs, so compare multiple options before deciding.
Pet Insurance in Missouri: FAQ
Here are answers to frequently asked questions about Missouri pet insurance:
What are the best pet insurance companies in Missouri?
Missouri's top pet insurance providers include Lemonade, AKC, Pumpkin, Spot and Pets Best.
Which company has the cheapest pet insurance in Missouri?
Lemonade, ASPCA and Pumpkin offer some of the most affordable pet insurance rates in Missouri. Monthly premiums start at $41 for dogs and $17 for cats.
How much is pet insurance in Missouri?
In Missouri, pet insurance costs around $433 annually for cats and $854 for dogs. Annual premiums can range from $54 to $10,532, depending on coverage options and your pet's characteristics.
What is the best way to find the right pet insurance provider?
Determine your pet's coverage needs based on age, breed and health history. Research providers through customer reviews and industry ratings.
Compare policy details, coverage limits and deductibles from at least three companies, then get quotes to find competitive rates.
How We Found the Best and Cheapest Pet Insurance in Missouri
We reviewed 20 major pet insurance companies in the U.S., compared their policies and gathered quotes for Missouri residents. Here’s the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- Six-year-old Labrador Retriever (for dogs)
- Seven-year-old Ragdoll (for cats)
Our Company Rating System
To make our ratings clear and helpful for pet owners, we based them on three main factors:
- Affordability (50% of score): We used quote data covering different coverage levels, pet ages, and breeds nationwide. We also factored in available discounts and how each company applies them to premiums.
- Customer experience (30% of score): We analyzed customer reviews, third-party ratings from agencies like AM Best, and feedback from online platforms such as Reddit to understand overall satisfaction.
- Coverage options (20% of score): We evaluated each provider’s terms, add-ons, and inclusions, comparing them against common veterinary costs to assess real-world value.
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 November 7, 2025.