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Pet Insurance in Missouri: Compare the Best Pet Insurance Companies and Most Affordable Quotes
Updated: December 28, 2023
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If your pet needs medical treatment, the best pet insurance in Missouri could save you thousands of dollars. Insurance coverage for your pets can offer peace of mind, knowing that they are safe following injuries, illnesses or emergencies. Specific programs also offer preventive health treatment.
We gathered information from the state's major cities, such as St. Louis, Springfield and Kansas City. We analyzed average costs for pet insurance in Missouri, along with other common perks and features, to assist you in choosing the best coverage for your furry friend.
The Best Pet Insurance Companies in Missouri
MoneyGeek examined pet insurance quotes in Missouri to calculate the average cost of pet insurance in the state. We identified the finest pet insurance providers based on price and available coverage options.
Insurance prices may vary based on your pet's breed, age and medical history. Compare quotes from different providers to ensure you're receiving the most ideal coverage for your budget and needs.
Best Overall Pet Insurance in Missouri for Your Pet
pros
Flexible terms for deductible options
Reimbursement for up to 90%
Offers a 5% multi-pet discount
cons
Herbal therapies are not covered
COMPANY HIGHLIGHTS
For the finest pet insurance in Missouri, we suggest Pets Best, whose low prices and flexible choices allow you to tailor your coverage to your budget and your pet's needs. Pets Best's pet insurance costs an average of $24.77 per month in Missouri.
The coverage offers deductibles from $50 to $1,000 and coverage ranging from $5,000 to unlimited. Pets Best's coverage includes lab testing, MRI immunizations and other medical services. You will not be liable for your pet's checkup and diagnosis if they get sick, which may save you money on each visit. Unlike other forms of insurance, Pets Best covers complete dental care and chronic conditions covered over multiple years.
Best Pet Insurance Company in Missouri: Unlimited Coverage
pros
Flexible policy options
Covers dental and hereditary conditions
Covers older dogs
cons
No coverage for elective procedures
COMPANY HIGHLIGHTS
Pets Best is the best choice for Missouri pet owners searching for unlimited coverage. Even if your pet needs costly medical attention, your coverage limit can be enough to sustain the medical requirements for your pet.
Having pet insurance that offers unlimited coverage can give you added security but is often more expensive. In Missouri, Pets Best's unlimited policies cost $29.39 per month, on average.
Cancer treatments, accidents and other congenital illnesses are all covered under Pets Best's complete coverage. As long as the problem is not pre-existing, this provider will cover a pet suffering from a chronic illness.
Best Pet Insurance Company in Missouri: Affordable Coverage
pros
Offers reimbursements up to 90%
5% multi-pet discount
Covers exam fees
cons
Does not cover herbal or alternative therapies
Does not cover bilateral conditions
COMPANY HIGHLIGHTS
Pets Best is also our top pick for low-cost coverage. At an average of $17.06 per month, this coverage includes insurance for medical visits, diseases and injuries, dental care and inherited conditions.
With Pets Best, you can customize your coverage to meet your specific needs. This insurer features several coverage limits and deductibles to meet your needs and your budget. If your pet is in excellent health and does not have any severe health issues, you can opt for a high-deductible plan at a lower price.
Pets Best's affordable policies cover full dental care and coverage for behavioral issues, congenital disorders and prosthetic device coverage.
Best Pet Insurance Company in Missouri: Multiple Pets
pros
Comprehensive policy coverage
No upper age limits for coverage
Routine care plans are available
cons
Processing fee
COMPANY HIGHLIGHTS
Pets Best also offers the best coverage in the state for individuals looking to insure multiple pets. On average, coverage from Pets Best costs roughly $22.29 per month for multiple pets. Accidents, illnesses, dental operations and cancer will be covered under the policy.
Policyholders who enroll more than one pet can qualify for a 5% discount. If an emergency occurs, this insurance provides comprehensive coverage to ensure that your pet is adequately covered. Additionally, individuals who pay their yearly premium upfront may be eligible for an annual pay reduction.
Best Pet Insurance Company in Missouri: Cats
pros
Various coverage to choose from
Offers multiple discounts
Covers microchip implantation
cons
No unlimited zero deduction choices
No coverage for preventive care
COMPANY HIGHLIGHTS
According to MoneyGeek, Embrace is the most cost-effective alternative for cat insurance in Missouri. Insurance for cats is typically less costly than insurance for dogs, so if you have a feline companion, it's a good idea to search for cat-specific coverage before making a decision. It costs an average of $16.06 per month in Missouri to insure a single cat with Figo.
Policyholders can claim a yearly reimbursement limit of up to $30,000. Practically every veterinary visit is either covered by the plan or is offered as an add-on.
Embrace provides accident and sickness insurance for cats at various coverage levels. Its primary accident and sickness plan reimburses policyholders for most treatments not related to pre-existing conditions.
Best Pets Insurance in Missouri Ranking Summary
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Ranking
Winner
Avg. Monthly Cost
Overall
Pets Best
$25
Unlimited Coverage
Pets Best
$29
Affordable Coverage
Pets Best
$17
Multiple Pets
Pets Best
$22
Cats
Embrace
$16
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Missouri?
The cost of pet insurance in Missouri varies depending on your location and the type of coverage you choose, along with the age and breed of your pet. On average, insurance for your dog costs $25.86 per month for a $5,000 coverage limit, $43.31 per month for $10,000 in coverage and an average of $43.92 per month for unlimited coverage.
It is less expensive to insure cats, at an average monthly premium of $13.94 for $5,000 in coverage, $21.54 for $10,000 in coverage and $29.40 for unlimited coverage.
Aside from the coverage limit, the age of your pet, your deductible and whether or not you choose any extra features or treatments all affect your premiums. Each insurer uniquely considers these characteristics, so make sure to request several quotes from different providers before making a final decision.
Average Monthly Cost of Pet Insurance in Missouri
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Pet Insurance Policy
$5k Coverage
$10k Coverage
Unlimited
Average Cost for a Dog
$26
$43
$44
Average Cost for a Cat
$14
$22
$29
HOW MUCH PET INSURANCE DO YOU NEED IN MISSOURI?
We suggest a coverage limit of $3,000 to $8,000, as well as a reimbursement rate of at least 80% for the average pet insurance client in Missouri. This helps to guarantee that you will cover any costs relating to your pet becoming involved in an accident or experiencing a medical emergency.
Compare the Cheapest Pet Insurance Quotes in Missouri
We aim to inform Missouri pet owners about typical coverage choices offered in the state. Most providers offer the following:
- Annual Reimbursement Limits: Ranges from $3k to unlimited
- Deductible: $250 to $500, some offer higher or lower options
- Bill Reimbursement Percentage: 70-90%
Some Missouri pet owners may choose cheaper insurance plans with lower coverage to save money or purchase less coverage for an otherwise healthy pet. Pet owners in Missouri who wish to ensure that their animal friends have more protection can aim for policies with higher coverage levels.
For most pet owners, the cost of unlimited insurance coverage may be too expensive, even if they do not need it. In fact, many insurance policies go above and beyond to safeguard your four-legged family member from harm. When it comes to pet insurance in Missouri, MoneyGeek often suggests the following levels of protection.
Cheapest Pet Insurance in Missouri by Coverage Level
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Maximum Policy Coverage
Winner: Cheapest Policy
Avg Cost
$5,000
Pets Best
$17
$10,000
Hartville
$37
Unlimited
Pets Best
$29
If you're looking to keep pet insurance costs down, choose a plan with a low annual maximum, high deductible and low reimbursement rate. We compare pet insurance policies in Missouri with a $5,000 coverage limit, a $500 deductible and an 80% reimbursement rate in the table below.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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Pet Insurance Company
Low Coverage Monthly Cost
Pets Best
$17
Pet Plan
$20
Hartville
$21
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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Pet Insurance Company
Average Coverage Monthly Cost
Hartville
$37
Spot
$37
ASPCA
$37
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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Pet Insurance Company
Unlimited Coverage Monthly Cost
Pets Best
$29
Healthy Paws
$37
Trupanion
$39
The Best Cheap Pet Insurance by City in Missouri
Pet insurance costs vary with the age and breed of your pet, as well as your location. The cost of veterinarian care and insurance is higher than the national average in many of Missouri's cities.
In particular areas, the weather, traffic and other factors may increase the probability of your pet becoming involved in an accident. Your insurance premiums may rise as a result.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Columbia$5k: ASPCA, $26
$5k: Spot, $26
Unlimited: Pets Best, $29
$10k: Figo, $46 - Independence$5k: Pets Best, $17
Unlimited: Pets Best, $29
$10k: ASPCA, $34
$10k: Hartville, $34
$10k: Spot, $34 - Kansas City$5k: Pets Best, $17
Unlimited: Pets Best, $29
$10k: Embrace, $36 - Springfield$5k: Pet Plan, $20
Unlimited: Pets Best, $29
$10k: ASPCA, $38
$10k: Hartville, $38
$10k: Spot, $38 - St. Louis$5k: Pets Best, $17
Unlimited: Pets Best, $29
$10k: ASPCA, $38
$10k: Hartville, $38
$10k: Spot, $38
MoneyGeek used city-based data in Missouri by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in Missouri?
Annual Reimbursement Limits
This limit pertains to the maximum amount the insurance provider will pay toward your pet's medical bills each year. Coverage choices vary from $3,000 to unlimited.
Deductible
Deductibles typically range between $250 and $500. The lower your deductible is, the greater the monthly cost becomes. The bigger your deductible, the less expensive pet insurance is every month.
Bill Reimbursement Percentage
This is the proportion of medical expenses that the insurance provider will pay you for your pet. For instance, if you meet your deductible and receive a $1,000 bill with a 90% bill reimbursement ratio, you must still pay $100 to the veterinarian.
Breed
Insurance for dogs is often more costly than insurance for cats. Coverage for bigger breeds or animals with documented congenital health difficulties may also be more expensive.
Animal Age
Insurance premiums tend to increase in price as your pet ages, as many animals develop health problems with advanced age.
Location
Prices are also affected by your location. Your expenditures may be more significant if you reside in a region with a higher cost of living or extra environmental issues like traffic or severe weather.
Multi-Pet Discounts
Certain insurers provide discounts for policyholders who insure several pets.
FAQ’s About Pet Insurance in Missouri
Is pet insurance in Missouri worth it?
Even though about 63% of Missouri families own a pet on average, only a small number of those households have complete pet insurance coverage. Pet insurance, according to MoneyGeek, is a wise investment since it may help shield you from increasing medical expenditures if anything happens to your pet.
For example, suppose your dog develops diabetes. The cost of prescription diabetes medication costs $2,892, on average, for individuals in the state who do not have insurance. If your pet suffers from a more severe ailment, such as cancer, the average cost can rise to an average of $4,137. For another example, if your cat suffers from a fractured bone, treatment may cost an average of $2,257.
Pet insurance, in general, is an inexpensive solution to avoid these more severe fees while also ensuring that you have the financial means to pay for your pet's medical care.
Which company has the cheapest pet insurance in Missouri?
We believe Pets Best is the best value for money for pet insurance in Missouri, with an average premium of $17.06. However, the most affordable insurance alternatives for you will differ based on your area and the type of pet you have.
What is the cost of pet insurance in Missouri?
Pet insurance for dogs costs an average of $43.31 per month, while pet insurance for cats costs roughly $21.54 per month for $10,000 in coverage. Costs may vary depending on the specific circumstances.
What are the best pet insurance companies in Missouri?
If you're looking for the best pet insurance companies in Missouri, look to Pets Best and Embrace for pet and cat coverage, respectively, according to MoneyGeek's analysis.
MoneyGeek's Rating Methodology for Pet Insurance
MoneyGeek believes that data helps us make wise financial decisions. Our data team spent many hours gathering 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 Missouri, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For our 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 Missouri and our affordability scores, MoneyGeek gathered quotes by company across many zip codes in Missouri for four pet types at 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
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
sources
- Care Credit. "Average Costs: Veterinary Care." Accessed December 1, 2021.
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