Lemonade is the best pet insurance company in Missouri for cats and dogs. AKC, Spot, Pumpkin, Rainwalk and Pets Best are also worth comparing.
Best Pet Insurance in Missouri
Updated: June 5, 2026
Advertising & Editorial Disclosure
Key Takeaways
Lemonade is the best pet insurance company in Missouri, with monthly rates starting at $7 for cats. It has lower rates than most competitors and a 72% positive Reddit rating.
Lemonade has the cheapest dog insurance in Missouri at $41 a month. Pumpkin offers the lowest cat rates at $17 a month.
Compare at least three providers at the same coverage level. Rates vary by your pet's age and breed, so the best option depends on your specific profile.
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 Points
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. Lemonade and Pets Best rank highest for select breeds.
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
For most cat breeds in Missouri, AKC and Rainwalk score highest. Rates and coverage terms vary by breed, so run your cat's profile before choosing.
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 a month ($489 a year). Pumpkin has the lowest cat rates at $17 a month ($204 a year).
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. Rates start at $13 a month.
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 leads Missouri's most affordable cat insurance with 13 breed wins. Lemonade and Pumpkin each have eight wins. Rates start at $12 a month 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 a month for dogs and $36 for cats, which is 21% below 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 affordable pet insurance in Missouri takes more than a quick search.
- 1Evaluate Your Pet's Coverage Needs
List your pet's health risks and the monthly premium you can afford. Ask your vet about common conditions for your pet's breed and age.
- 2Look for 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 Reviews
Look at customer feedback and claim payment histories for Missouri providers. Prioritize companies with strong financial ratings.
- 4Get Multiple Quotes
Get quotes from at least three providers at the same coverage level. Rates vary more than most pet owners expect, even for identical coverage.
- 5Review Your Policy Annually
Set a yearly reminder to shop pet insurance rates. Premiums change year to year, and regular rate checks help you keep costs down.
Best Pet Insurance in Missouri: Bottom Line
Lemonade is our top pet insurance pick in Missouri for both cats and dogs. Pumpkin has the lowest cat rates; Lemonade has the cheapest dog insurance.
Pet Insurance in Missouri: FAQ
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 have some of the most affordable pet insurance rates in Missouri. Premiums start at $41 a month for dogs and $17 a month for cats.
How much is pet insurance in Missouri?
Pet insurance in Missouri costs around $433 a year for cats and $854 a year for dogs. Premiums range from $54 to $10,532, based on coverage level, pet age and breed.
What is the best way to find the right pet insurance provider?
Your pet's age, breed and health history determine what coverage you actually need. From there, get quotes from at least three companies at the same coverage level. Customer reviews and financial ratings help you narrow the list before committing.
How We Found the Best and Cheapest Pet Insurance in Missouri
We reviewed 20 major pet insurance companies in the U.S. and gathered quotes for Missouri residents. Our policy comparisons used this standard profile:
- $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
- Affordability (50%): Quotes covering different coverage levels, pet ages and breeds nationwide formed the base of this score. We also factored in discounts and how each company applies them to premiums.
- Customer experience (30%): This score draws from customer reviews, third-party ratings from agencies like AM Best and feedback from platforms such as Reddit.
- Coverage options (20%): Each provider's policy terms, add-ons and exclusions were weighed against common vet costs.
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 5, 2026.