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Missouri (MO) Pet Insurance

Missouri (MO) Pet Insurance:
Compare Top Companies Side-By-Side

If you’re trying to find the best pet insurance in MO, we’ll help you analyze top providers based on breed, zip code, and more.

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Finally, a Pet Insurance Marketplace for Missouri 🇺🇸

With so many US pet insurance companies, how do you know which one is best for your unique pet in Missouri? From Kansas City, to Saint Louis, to Jefferson City and all over "The Show-Me State" - Pawlicy Advisor helps thousands of pet parents like you compare and buy the best coverage at the best price.

We only work with industry-leading pet insurance companies so you can rest assured that your personalized analysis is already filtered down to proven plans with great Missouri customer experiences.

A map of Missouri

Find the Best Pet Insurance in MO for You

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A dog in Missouri

Top-Rated Pet Insurance Companies in Missouri

Company
Rating
Pet Age
Claims
Coverage
ASPCA Pet Health Insurance Logo
4.5 | 1812 Reviews
Minimum to enroll
8 weeks
Average wait time
9 days
ASPCA Info & Review

Figo Pet Insurance Logo
4 | 650 Reviews
Minimum to enroll
8 weeks
Average wait time
8 days
View all provider reviews.

What’s the best pet insurance in MO for my dog or cat?

It depends on your pet’s breed, age, zip code, your financial standing, and the kind of coverage you need. To better understand how the chart above relates to your dog or cat's breed-specific risks in Missouri, use Pawlicy Advisor to instantly analyze top-rated plans across "The Show-Me State". In 5 minutes or less you’ll understand which waiting times, coverage exclusions, and therapies are ideal for your pet’s breed and age.

For example, if you have a larger breed, having a policy with a long waiting period on knee injuries might not be ideal - but that same policy could be perfect for a small lap dog. Pawlicy Advisor will scan the fine print to show a custom Coverage Score and Lifetime Pricing Score next to each quote.

Affordable Insurance Premiums in Missouri

How much is insurance for dogs and cats in Missouri?

* The Missouri average monthly costs listed below are based on an 80% reimbursement rate, unlimited coverage, and a $500 deductible. prices may be lower or higher for different coverage options.
Breed & AgeInsurance Monthly Cost
Chihuahua
Chihuahua
6 months old puppy
Kansas City - $15 to $34
Saint Louis - $15 to $34
Jefferson City - $15 to $31
Chihuahua
Chihuahua
5 years old dog
Kansas City - $19 to $41
Saint Louis - $19 to $41
Jefferson City - $19 to $38
Domestic Shorthair
Domestic Shorthair
6 months old kitten
Kansas City - $12 to $22
Saint Louis - $12 to $22
Jefferson City - $12 to $19
Domestic Shorthair
Domestic Shorthair
5 years old cat
Kansas City - $14 to $26
Saint Louis - $14 to $26
Jefferson City - $14 to $22
Golden Retriever
Golden Retriever
6 months old puppy
Kansas City - $26 to $55
Saint Louis - $26 to $55
Jefferson City - $26 to $51
Golden Retriever
Golden Retriever
5 years old dog
Kansas City - $35 to $66
Saint Louis - $35 to $66
Jefferson City - $35 to $62
Maine Coon
Maine Coon
6 months old kitten
Kansas City - $14 to $24
Saint Louis - $14 to $24
Jefferson City - $14 to $21
Maine Coon
Maine Coon
5 years old cat
Kansas City - $17 to $28
Saint Louis - $17 to $28
Jefferson City - $17 to $24

Wondering how much pet health insurance will really cost in your zip code?

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How to Get Cheap Insurance Premiums in Missouri

Most MO pet owners who enroll in pet insurance do so within 6 months of adopting their new four-legged family member. Puppies and kittens in Missouri will generally find the lowest rates, as they often have a lower risk of developing health issues - and it's important that your plan's coverage kicks in before any pre-existing conditions arise.

Pet Type
Example $ Savings
Average % Savings
Puppies
$106.03
24.36%
Kittens
$41.88
18.76%

* The Missouri average savings listed above refer to the difference in annual premiums for a 1-year-old pet vs a 5-year-old pet, and are based on an 80% reimbursement rate, unlimited coverage, with a $500 deductible. Prices may be lower or higher for different coverage options.

Discounts & Lifetime Pricing Score

Several providers will offer a discount for insuring multiple pets which often adds another 10% savings for additional pets. When you use Pawlicy Advisor to shop for pet insurance, we analyze your pet to highlight any eligible discounts.

More importantly, using Pawlicy Advisor will show you hundreds of quotes from top providers customer-ranked for you unique pet - showing you each Lifetime-Pricing Score and Coverage Score.

  • Coverage Score ranks plans based on how well it will cover your pet's breed-specific health risks.
  • Lifetime-Pricing Score ranks plans based on lifetime value across the lifetime of your pet. This score takes into account expected premium increases as your pet ages and can save you 75% or more on lifetime insurance costs by helping you choose the right plan.

Diagram showing how Pawlicy Advisor compares lifetime costs to save you money
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Is it Worth it to Have Pet Health Insurance in Missouri?

Of more than 20,000 pet owners, 4 out of 5 could not afford to pay for an unexpected $5,000 veterinary bill without pet insurance. Considering 63.50% of Missouri households are pet owners, pet insurance is a great tool to hedge financial risk. Like auto-insurance, it’s something you have but hope not to use - but if an unexpected tragedy does strike you’ll be reimbursed 70% to 90% of the costs (depending on your plan). Getting pet insurance in Missouri will help ensure that your dog or cat will get the care they need. It allows you to focus of doing the right thing, rather than costs.

Here's a vet's perspective:

"With the right pet insurance plan, you can provide your pet with diagnostics, treatments, and medications without serious financial risk. As a veterinarian, I will also say that over the last few years the most significant benefit of pet insurance I've seen is peace of mind." - William Hodges, DVM

You can use pet insurance at any licensed veterinary clinic or animal hospital in MO

Because pet insurance reimburses you, instead of paying the vet directly, you can use your plan at any vet in Missouri. Whether your vet’s in Kansas City, Saint Louis, Jefferson City, or anywhere in between - pet insurance plans can help MO residents reduce out-of-pocket costs for unexpected accidents or illnesses.

Missouri's Veterinary Costs

Vet bills in Missouri are a little lower than average in the U.S. This means the cost of health coverage will likely be lower than average.

Pet Treatment
% Difference vs National Average
Dog
7.93% Lower $ in MO
Cat
21.44% Lower $ in MO

* The Missouri vet cost prediction listed above refers to the difference in health coverage premiums for a 6-month-old pet in MO compared to the national average. We used premiums in this analysis becasue they’re heavily correlated to a location’s veterinary costs.

Important Stats

  • CNBC reports that in any given year, 1 out of 3 pets will need emergency medical treatment.
  • EmergencyVetsUSA reports that the average cost of emergency vet care that requires hospitalization for 1-2 days is $600-$1700, while surgery in the pet ER can cost up to $5,000.
  • The Veterinary Cancer Society estimates that almost 50% of dogs over the age of 10 will develop cancer.

Compare Missouri Pet Insurance Quotes From Top Companies With Pawlicy Advisor

Remember, there is no one-size-fits-all pet insurance. The best plan (and pricing) will depend on your cat or dog’s breed, age, and zip code in Missouri. However, it's important to not only look at what your pet insurance policy will cost today, but to understand what it will ultimately cost across the lifespan of your pet.

To put it simply, the policy that looks cheaper today might not be cheaper in the long run. This information is hard to find without Pawlicy Advisor.

With Pawlicy Advisor, you'll see hundreds of quotes from top providers custom-ranked by Coverage Score and Lifetime Pricing Score

Compare All Quotes

Rest assured that all quotes you see from Pawlicy Advisor are pulled in real-time. We connect directly with our insurance partners to make sure your get the best price.

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