Pet Insurance Missouri

Keeping pets healthy can put a dent in your wallet and insurance can provide some relief. Here’s everything you need to know about pet insurance in Missouri. 

Quick Look: The Best Pet Insurance in Missouri

The Best Pet Insurance in Missouri

Ready to learn more about pet insurance plans? Here are the best pet insurance providers in Missouri, according to our research.

1. Best Overall: Lemonade Pet Insurance

Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,

Lemonade Pet Insurance is a simple platform that’s easy to use and allows you to customize your pet insurance, including accident & illness coverage along with a wellness plan. Accident & illness policies cover:

When you choose the wellness plan, you also get:

You can check out Benzinga’s review of Lemonade Pet Insurance for more information or reach out to their customer service team for assistance.

Pros

Cons

2. High-Quality Pet Insurance: Spot Pet Insurance

Spot Pet Insurance is the No. 1 pet insurance provider recommended by Cesar Millan, the leading expert in dog behavior. Some insurance highlights:

You can customize your coverage and can even add special Spot-On coverage. Coverage options include accidents, behavioral issues, dental disease, illnesses, preventive services and even hereditary and congenital conditions.

Spot’s claims service is easy. Just visit your vet, send Spot the bill and get reimbursed.

Take 30 seconds to fetch your free quote now.

*Rates vary based on plan type, species, breed, age and location

Pros

Cons

3. Embrace: Best for Dogs

Consider a plan from Embrace Pet Insurance if you want to save a bundle on coverage. You can adjust the deductible, annual maximum and reimbursement percentage to reach a monthly premium that fits your budget.

Embrace Pet Insurance covers accidents, illnesses, exam fees and preventive veterinary care. Training and grooming may also be covered under your plan.

You could save even more on out-of-pocket costs as time goes on with Embrace’s Diminishing Deductible feature. With each year that passes where you don’t file a claim, your deductible will drop by $50.

Claims can be filed by email, fax or electronically. Most policyholders receive 90% back on their claims.

Pros

Cons

4. Pumpkin Pet Insurance: Best for Extensive Coverage

Limitations apply. For terms and conditions, visit pumpkin.care. Pumpkin Insurance Services Inc. (NPN#19084749) (“Pumpkin”) is a licensed insurance agency, not an insurer. Insurance plans underwritten by United States Fire Insurance Company. Preventive Essentials is not an insurance policy, and is not available in all states.

Look no further than Pumpkin for the best pet insurance on the market. You can get a wide range of traditional pet insurance and optional preventive care coverage. All of Pumpkin Pet Insurance’s policies come with a 90% reimbursement rate. 

Pumpkin offers policies for both dogs and cats and covers a wide range of situations. Your best bet is to get a sample quote, where you can find exclusions clearly laid out in bullets. 

Pumpkin’s customer service team can be reached by:

Watch out for Pumpkin’s chat feature — coming soon!

Pros

Cons

5. Progressive: Best for Customization

Progressive pet insurance allows you to customize your deductible, your reimbursement percentage and your annual limits. You can also add wellness coverage, which offers benefits for preventive care.

Progressive processes most claims in 5 days or less, which means you won’t have to wait long to get your reimbursement.

It also offers a discount if you purchase multiple policies.

Pros

Cons

Pet Insurance in Missouri: An Overview

Why does pet insurance matter? Let’s take a closer look at the sheer number of pets and the amount Missouri residents spend. 

Number of households with pets: 

Amount spent on pet bills annually: 

Average cost of pet insurance annually: 

How Do Pet Insurance Plans Work?

Pet insurance isn’t the same as health insurance for people. Here are the factors to keep in mind when you buy pet insurance:

Each of these factors impacts your premium. If you choose a high deductible and a low coverage limit, your policy will cost less. It will also cover less and you may pay more out of pocket for care. 

What Does Pet Insurance Typically Cover?

Pet insurance covers a range of veterinary services. Every plan is different, so it’s important to read the fine print on any policies you’re considering.

Here’s what’s typically covered by pet insurance:

What Isn’t Typically Covered by Pet Insurance?

Carefully consider what’s typically covered by pet insurance as you consider the best pet insurance plan. Pet insurance doesn’t usually cover:

Choose the Best Pet Insurance Plan

Which plan is best for you? It depends on your budget and the age and health of your pets. It also depends on your pet type. Birds and exotic pets are a bit more challenging to cover than dogs and cats. When it comes to your budget, consider more than just the monthly premium. A more expensive plan might be worthwhile if it has a lower deductible and it covers a higher percentage of costs. Your vet might be able to recommend an insurance plan as well if you’re not sure which route to go. 

Frequently Asked Questions

What is pet insurance?

Pet insurance is a type of coverage that helps reduce your pet care costs. Usually, you’ll sign up for a plan, choose your coverage and deductible and pay up front at your provider. Then, they’ll reimburse you at an agreed upon percentage once you file a claim.

Are all pets covered by pet insurance?

It depends on your provider, but most offer coverage for cats and dogs at a minimum. Some do not extend coverage beyond these species; others may offer coverage for other pets.

About Melinda Sineriz

Popular Channels

Tools & Features

Partners & Contributors

About Benzinga