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

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.

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.

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.

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.

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.

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.

MoneyGeek’s research shows that the cost of pet insurance in Missouri depends on various factors, like your pet’s age, breed, location/city, deductible and policy coverage amount. We breakdown the main factors that determine the cost of pet insurance in Missouri below.

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