Pet Insurance in Mississippi: Compare the Best Pet Insurance Companies and Most Affordable Quotes


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Updated: September 26, 2024

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If your furry friend needs veterinary care, choosing the best pet insurance in Mississippi could save you thousands of dollars in an emergency while providing stress relief because your pet has the protection it needs. Some insurers also offer preventive care to protect your pet’s health in the long run.

MoneyGeek compiled pet insurance quotes in Mississippi’s top cities, like Gulfport, Jackson and Southaven. Our analysis helped determine the average cost of pet insurance in Mississippi along with the benefits. That enables you to find the most affordable coverage that meets your and your pet’s needs.

The Best Pet Insurance Companies in Mississippi

To determine the best pet insurance companies in Mississippi, MoneyGeek evaluated thousands of quotes, policies and coverage details. The best pet insurance companies in Mississippi were selected based on affordability and product offerings.

Factors like your pet’s breed, age and medical history can affect the cost of pet insurance. You should always get multiple quotes to find the best pet insurance coverage in Mississippi according to your budget and needs.

Best Overall Pet Insurance for Your Pet

Pets Best

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Offers flexible policy options

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Multi-pet discount that can include young and old pets

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Covers exam fees

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Waiting period for certain condition coverage

COMPANY HIGHLIGHTS

Pets Best is the top overall choice for the best pet insurance in Mississippi. Pets Best provides a variety of options for both dogs and cats, offering customized policies according to your pet’s needs. Pets Best costs an average of $21.51 per month for a pet insurance policy in Mississippi.

Pets Best stands out because it offers extensive dental coverage, vaccine coverage, accident-only and illness packages. The pet insurance provider has annual coverage options of $5,000 or unlimited and deductibles ranging from $50 to $1,000.

Although some product offerings depend on your chosen package, Pets Best offers comprehensive exam coverage, chiropractic care, acupuncture, microchip implantation, and more. A downside with Pets Best is that it does not cover bilateral conditions, and there is an extended waiting period if your pet has an orthopedic condition.

Best Pet Insurance Company: Unlimited Coverage

Pets Best

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Offers deductibles from $50 to $1,000

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Includes vet telehealth visits

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Older pets eligible for coverage

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Does not cover pre-existing conditions

COMPANY HIGHLIGHTS

If you’re a Mississippi pet owner looking for unlimited coverage, Pets Best is MoneyGeek’s top pick. Pets Best’s unlimited annual coverage policy costs an average of $27.21 per month in Mississippi.

Although unlimited coverage is usually more expensive than other policy options, it provides additional peace of mind in case of unexpected events. Choosing an unlimited coverage policy means that if your furry friend requires extensive medical care, you don’t have to worry about reaching your annual coverage limit if your pet is very sick. You can also add wellness care to a Pets Best policy, further protecting your pet.

Pets Best also offers coverage for alternative therapies such as cold laser therapy and acupuncture. Although the insurer doesn’t cover the training and treatment for behavioral issues, there are exceptions for consultation and prescribed medications under supplemental benefits.

Best Pet Insurance Company: Affordable Coverage

Pets Best

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Customizable coverage to maintain affordability

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Wellness package add-ons are available

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Coverage for young and old pets is possible

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No end-of-life coverage

COMPANY HIGHLIGHTS

Pets Best is MoneyGeek’s best choice for the most affordable pet insurance policy in Mississippi — it costs an average of $15.80 per month to insure one pet. Because of Pets Best’s flexible and customizable plans, you can choose the kind of coverage your pet needs based on factors like their age, breed and overall health without breaking the bank.

For example, if you have a young and relatively healthy pet, you may opt for a high deductible plan (as much as $1,000 through Pets Best) with an affordable monthly premium. If your pet is prone to adventurous activities and, sadly, injuries because of it, you may choose a lower deductible with a 70% reimbursement rate to save money.

Pets Best is also distinct among other pet insurers in Mississippi because, depending on the policy inclusions, it covers selected prescription medication, microchip implantation, alternative therapies like chiropractic, and aging eye and ear problems for older pets as long as it isn’t a pre-existing condition.

Best Pet Insurance with Multiple Pets

Pets Best

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Quick turnaround for claims

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Flexibility with policy coverage and deductible

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Provides unlimited coverage option

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Does not cover behavioral issues

COMPANY HIGHLIGHTS

If you have multiple furry family members, Pets Best is MoneyGeek’s choice for a multiple pet insurance policy in Mississippi. Averaging $19.35 per month, Pets Best offers cheap multi-pet insurance in Mississippi. Mississippi pet owners can receive coverage for alternative care, dental care, exam fees and accidents through Pets Best.

To help with monthly expenses for your dogs or cats, Pets Best has accident-only plans and wellness add-ons available, so you can customize your policy. You get a discount when insuring multiple pets of 5%, which further benefits your budget. With Pets Best, you also get coverage for sick visits with any licensed vet, emergency clinic or specialist regardless of your plan.

Pets Best provides insurance for both cats and dogs and offers different coverage limits and many deductibles. Policies with Pets Best cover accidents, illnesses, hereditary and congenital conditions and routine care. You get to pick and choose your multi-pet pet insurance policy details based on your budget and needs.

Best Pet Insurance Company: Cats

Embrace

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Various deductible options

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Covers behavioral treatment

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Multi-pet discount

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No unlimited coverage option

COMPANY HIGHLIGHTS

For cat owners who want the best pet insurance in Mississippi, MoneyGeek recommends Embrace. Insuring a cat is typically less expensive than insuring a dog, but the price does depend on your cat’s specifics, like age, location and breed. To insure one cat in Mississippi, the average cost of a policy with Embrace is $15.67 per month.

Embrace offers extensive coverage options for your feline friend, covering prescribed food and nutritional supplements, alternative therapy like chiropractic, dental care, chronic conditions, exam fees, and more.

If your Mississippi home has more than one cat and you want to save some money while getting quality coverage, Embrace offers a multi-pet discount for cat insurance policies in Mississippi.

Embrace does not provide unlimited coverage for cats; its maximum coverage limit is $30,000 per year. In most cases, most policyholders won’t exceed this limit. But, you do benefit from deductibles ranging from $200 to $1,000 and three reimbursement rate options.

Ranking
Winner
Avg. Monthly Cost

Overall

Pets Best

$22

Unlimited Coverage

Pets Best

$27

Affordable Coverage

Pets Best

$16

Multiple Pets

Pets Best

$19

Cats

Embrace

$16

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Mississippi?

Pet insurance in Mississippi will vary based on location, your policy’s coverages and deductible, and your pet’s breed and age. The average dog insurance policy in Mississippi costs $24.92 per month for a $5,000 annual coverage limit, $43.45 per month for a $10,000 yearly coverage limit, and $45.21 per month for unlimited coverage.

Most often, cats are less expensive to insure than dogs in Mississippi, costing an average of $13.63 per month for a $5,000 yearly coverage limit, $21.66 per month for a $10,000 annual coverage limit, and $30.76 per month for unlimited coverage.

Pet Insurance Policy
$5k Coverage
$10k Coverage
Unlimited

Average Cost for a Dog

$25

$43

$45

Average Cost for a Cat

$14

$22

$31

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HOW MUCH PET INSURANCE DO YOU NEED?

For the average pet insurance buyer in Mississippi, MoneyGeek recommends a $3,000 to $8,000 annual coverage limit and an 80% reimbursement rate or more. These rates will help make sure that if your pet gets into an accident, you can afford the costs that come with it without sacrificing the care they receive.

Compare the Cheapest Pet Insurance Quotes in Mississippi

MoneyGeek wants to help dog or cat pet insurance buyers in Mississippi understand the typical options most companies in Mississippi offer in their pet insurance policies, which include:

  • Annual reimbursement limits that range from $3,000 to unlimited coverage
  • Deductibles of $250 or $500 are common, but some companies have higher or lower options
  • Bill reimbursement percentage is often 70-90%

Some Mississippi pet owners might prefer a more affordable policy with lower coverage amounts to manage monthly expenses or because their pet does not need much insurance coverage. But other Mississippi pet owners might prefer a policy with high coverage limits or even unlimited coverage to give their pet the maximum protection. Policies with high annual coverage limits are usually more expensive, and the average pet owner may not need unlimited protection. But, it is an option to guarantee that whatever happens to your pet in a year, it has insurance coverage.

MoneyGeek commonly recommends the average coverage amount below for pet owners who want pet insurance in Mississippi.

Maximum Policy Coverage
Winner: Cheapest Policy
Avg Cost

$5,000

Pets Best

$16

$10,000

Figo

$39

Unlimited

Pets Best

$27

Consider a pet insurance policy with a low annual maximum, high deductible and low reimbursement percentage to save some money in Mississippi. In the table below, MoneyGeek compared Mississippi pet insurance policies with a $5,000 annual coverage limit, $500 deductible and 80% reimbursement. You can also view the cheapest average and unlimited coverage prices.

Pet Insurance Company
Low Coverage Monthly Cost

Pets Best

$16

Pet Plan

$20

Hartville

$21

ASPCA

$21

Spot

$25

Figo

$25

Embrace

$28

GEICO

$28

24 Pet Watch

$41

Pet Insurance Company
Average Coverage Monthly Cost

Figo

$39

ASPCA

$39

Hartville

$39

Spot

$39

GEICO

$40

Embrace

$40

Pumpkin

$46

Nationwide

$53

24 Pet Watch

$55

Pet Insurance Company
Unlimited Coverage Monthly Cost

Pets Best

$27

Healthy Paws

$38

Trupanion

$39

Pet Plan

$48

Figo

$55

Spot

$63

The Best Cheap Pet Insurance by City in Mississippi

Pet insurance costs in Mississippi can vary per city. Because some cities have a higher cost of living, it translates to higher veterinary medical costs and more expensive premiums. Some cities in Mississippi may have more accident risks for your furry friends because of traffic, weather or other hazards, affecting pet insurance prices. The coverage amounts and policy inclusions you choose also affect your monthly premium. Regardless of where you live in Mississippi, though, cheap pet insurance is available.

City
Coverage Level and Average Monthly Rate

Gulfport

$5k: Pets Best, $15 Unlimited: Pets Best, $26 $10k: Figo, $37

Jackson

$5k: Pets Best, $17 Unlimited: Pets Best, $30 $10k: ASPCA, $39

Southaven

$5k: Pets Best, $15 Unlimited: Pets Best, $26 $10k: Figo, $37

What Factors Impact Pet Insurance Cost in Mississippi?

Pet insurance in Mississippi depends on various factors, like how old your pet is, your location, what kind of pet you have, what policy limits you choose, and more. Almost all policies are flexible and personalizable based on what works best for you and your furry friend. Here’s a review of the factors that influence pet insurance prices in Mississippi.

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    Annual reimbursement limit

    Also known as coverage limit, the annual reimbursement is how much insurance companies pay for your pet’s medical expenses during a policy year. Coverages can range from $3,000 up to unlimited.

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    Deductible

    Most deductibles are $250 or $500. If you choose a low deductible, you pay more a month; with a high deductible, the price is more affordable. You pay the deductible before insurance coverage begins.

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    Bill reimbursement percentage

    This is the amount your insurance company reimburses for your pet’s medical bills. It can be 70%, 80% or 90%. For example, if you have a 90% reimbursement rate and a bill for $1,500, the insurance covers $1,350.

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    Breed

    Dogs are usually more expensive to insure than cats. Larger breeds or breeds with known congenital health issues may cost more.

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    Animal age

    If your pet is older, they are more expensive to insure since many of our furry friends develop health issues over time.

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    Location

    Where you live can affect pet insurance costs. Your premiums may cost more if you live in an area with a high cost of living or that is more prone to severe weather.

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    Multi-pet discount

    If you insure more than one pet, some companies offer a discount.

FAQ’s About Pet Insurance in Mississippi

Is pet insurance in Mississippi worth it?
Which company has the cheapest pet insurance in Mississippi?
What is the cost of pet insurance in Mississippi?
What are the best pet insurance companies in Mississippi?

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of 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 Mississippi, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek 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 Mississippi and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Mississippi for four pet types with 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 headshot

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.


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