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: September 11, 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
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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 | $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
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Missouri, while Lemonade and Pets Best are 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 | $22 |
| Rainwalk | 4.3 | $39 |
| AKC | 4.3 | $46 |
| Lemonade | 4.3 | $25 |
| Spot | 4 | $39 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in Missouri, while Rainwalk stands out as a strong alternative provider. Below, you can review which companies are best for your cat in the state.
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Breed: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
In Missouri, Lemonade provides the most affordable dog insurance at $41 per month or $489 per year. For cats, Pumpkin offers the lowest-cost coverage at $17 monthly or $204 annually.
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 | $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
In Missouri, Lemonade, Pumpkin and Pets Best offer the most affordable pet insurance for dogs, with rates starting at $13 monthly.
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Breed: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
In Missouri, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) provide the most affordable cat insurance coverage, with rates starting at $12 per month for standard plans.
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Breed: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 costs around $71 monthly for dogs and $36 for cats. These rates are 21% lower than the national average, making Missouri a more affordable location for pet insurance coverage.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %: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:
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Evaluate Your Pet's Coverage Needs First
Start by listing your pet's specific health risks and the coverage you can afford monthly. Talk with your vet about common health issues for your pet's breed and age to determine essential coverage needs.
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Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or annual payment options. Many Missouri insurers offer discounts for military members and spayed or neutered pets.
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Check 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.
- 4
Get Multiple Insurance Quotes Online
Get quotes from at least three providers for the same coverage level. This direct comparison helps ensure you're getting the most competitive rate.
- 5
Review Your Policy Costs Annually
Set a yearly reminder to compare pet insurance rates as premiums often change. Shopping around each year helps you maintain the most affordable coverage for your pet.
Best Pet Insurance in Missouri: Bottom Line
Lemonade is our top pick for pet insurance in Missouri for cats and dogs. Pumpkin offers the most affordable rates for cats, while Lemonade provides the cheapest dog insurance. While these providers stand out in our analysis, your perfect match depends on your pet's needs. Compare options before making your choice.
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?
The top pet insurance providers in Missouri include Lemonade, AKC, Pumpkin, Spot and Pets Best, offering quality coverage for your furry family members.
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?
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 Missouri
We researched all 20 major pet insurance providers in the United States, 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
- 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 September 15, 2025.