Best Pet Insurance in Missouri

Lemonade ranks as our top choice for pet insurance providers due to its affordable plans, comprehensive coverage, and multiple wellness add-ons. The company uses cutting-edge technology, allowing customers to file and manage their claims via its mobile app. 

• Deductibles: $100, $250, $500
• Reimbursement options: 70%, 80%, 90%
• Maximum coverage limits: $5,000, $10,000, $20,000, $50,000, $100,000

Learn more: Lemonade Pet Insurance review

We rated Lemonade 96 out of 100. We were impressed with its budget-friendly pricing for customizable plans, offering lower premiums than any other provider on this list. Another unique feature is Lemonade’s mobile app and its use of artificial intelligence (AI) that lets customers manage their policy, submit claims, and receive reimbursements online.

Lemonade’s accident-and-illness plan allows pet owners to select from five annual coverage limits up to $100,000. It also has two preventive care options and two add-ons to cover vet visits and physical therapy.

Spot offers customers the most flexibility to tailor their policies. It has two plans, preventive care add-ons, and seven annual coverage limits (with an unlimited option).  

• Deductibles: $100, $250, $500, $750, $1,000
• Reimbursement options: 70%, 80%, 90%
• Maximum coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited

Learn more: Spot Pet Insurance review

We scored Spot 91 out of 100 for its cost-effective plans and multiple coverage options. It has the most customizable coverage of any company on this list, with two plans (accident-and-illness and accident-only), six annual limits, five annual deductibles, and three reimbursement rates.

Spot stands out for covering alternative therapies in its base plan, including chiropractic care, rehabilitative treatment, and acupuncture. In addition, Spot will consider covering preexisting conditions if the condition is curable and your pet has not shown symptoms or received treatment for it in 180 days.

Embrace offers five deductible options and a unique “Healthy Pet” vanishing deductible. 

• Deductibles: $200, $300, $500, $750, $1,000
• Reimbursement options: 70%, 80%, 90%
• Maximum coverage limits: $5,000, $8,000, $10,000, $15,000, $30,000

Learn more: Embrace Pet Insurance review

We ranked Embrace 93.5 out of 100 for its multiple deductible options. Pet parents can choose from five options ($200, $300, $500, $750, and $1,000), more than other competitors listed here. Embrace also offers a “Healthy Pet” diminishing deductible benefit that reduces your deductible by $50 each year you don’t file a claim.

Like a few other providers on this list, Embrace distinguishes between curable and incurable preexisting conditions. Curable preexisting conditions are covered as long as your dog or cat has been treatment- and symptom-free for one year.

Healthy Paws might be a good option if you’re looking for unlimited coverage that prevents you from worrying about exceeding your annual limit.

• Deductibles: $250 or $500
• Reimbursement options: 70% or 80%
• Maximum coverage limits: Unlimited coverage

Learn more: Healthy Paws Pet Insurance review

Healthy Paws scored 93.5 out of 100. It’s more expensive than competitors, but its unlimited coverage is more affordable than other providers with unlimited plans.

The company has one streamlined accident-and-illness plan, covering a variety of testing, procedures, and treatments such as alternative therapies, emergency care, and specialist care. Claims are submitted online via Healthy Paws’ website or mobile app and are typically processed within 48 hours—faster than most providers.

Fetch Pet Insurance is a great choice for pet parents seeking holistic coverage. It covers alternative treatments such as acupuncture, stem cell therapy, and hydrotherapy. 

• Deductibles: $250, $300, $400
• Reimbursement options: 70%, 80%, 90%
• Maximum coverage limits: $5,000, $10,000, $15,000

Learn more: Fetch Pet Insurance review

Fetch scored 91.5 out of 100. Unlike many providers, it covers alternative treatments and procedures in its base plan, including stem cell therapy, hydrotherapy, acupuncture, homeotherapy, and chiropractic care. Fetch also offers the most comprehensive dental benefits out of all providers, covering injury and disease in every adult tooth.

Fetch provides multiple savings opportunities, including five different discounts and a “Healthy Pet” credit. This benefit gives policyholders 15% off their monthly premium if they go an entire year without submitting a claim. It increases to 30% in the second year and then caps.

Figo earned a place on our list due to its Extra Care Pack add-on. This covers unique circumstances such as lost pet advertising and rewards, plus vacation cancellation fees due to pet emergencies or illnesses.

• Deductibles: $100, $250, $500, $750
• Reimbursement options: 70%, 80%, 90%, 100%
• Maximum coverage limits: $5,000, $10,000, unlimited

Learn more: Figo Pet Insurance review

Scoring a 93 out of 100, Figo offers three standard plans at varying coverage limits (including an unlimited option). It also has three add-on packages called “powerups” that make it stand out from competitors.

Its wellness powerup is available at a basic and premium level and covers your pet’s routine care and services. This includes vaccinations, bloodwork, and spay/neuter surgery. The Vet Exam powerup covers exam fees for diagnosing or treating your pet’s illness or injury. This powerup does not cover routine care exams. Finally, Figo’s Extra Care Pack covers unique costs such as cremation and burial, lost pet advertising and reward, pet theft, boarding fees, and up to $10,000 in third-party property damage caused by your pet.

Trupanion has several features that set it apart from competitors, including its vet direct payments, flexible deductible options, 90% reimbursement rate, and unlimited coverage. 

• Deductibles: Customers select a per-condition deductible between $0 and $1,000 (in $5 increments)
• Reimbursement options: 90%
• Maximum coverage limits: Unlimited coverage

Learn more: Trupanion pet insurance review

Trupanion scored 89.5 out of 100. It stands out for its vet direct pay, enabling you to only pay your portion of the vet bill at checkout rather than paying in full and waiting for reimbursement.

Trupanion offers one comprehensive accident-and-only plan with a 90% reimbursement rate and unlimited coverage. Customers can select their own deductible between $0 to $1,000 (in $5 increments). There are three add-ons for alternative treatment costs, special circumstances, and breeding.