Missouri Pet Insurance (2026)
Average pet insurance rates, top-rated insurers, and state-specific pet health risks in Missouri. Rates shown for a mixed-breed pet, age 3, with accident and illness coverage.
Dog Monthly
$47
Mixed breed, 3yo
Cat Monthly
$28
Mixed breed, 3yo
Dog Annual
$564
Per year
State Rank
#37
1 = most expensive
Advertisement
Top Pet Insurers for Missouri
1
Get QuoteTrupanion
Unlimited coverage, direct vet payment
Dog/mo
$65
Cat/mo
$42
Annual Limit
Unlimited
Reimbursement
90%
2
Get QuoteNationwide Pet Insurance
Wellness add-on available
Dog/mo
$55
Cat/mo
$35
Annual Limit
$10,000
Reimbursement
70%–90%
3
Get QuoteHealthy Paws
Unlimited annual limit + fast claims
Dog/mo
$50
Cat/mo
$32
Annual Limit
Unlimited
Reimbursement
70%–90%
4
Get QuoteASPCA Pet Insurance
Comprehensive coverage
Dog/mo
$48
Cat/mo
$30
Annual Limit
$10,000
Reimbursement
70%–90%
5
Get QuoteLemonade Pet
Low-cost option, AI claims
Dog/mo
$35
Cat/mo
$22
Annual Limit
$100,000
Reimbursement
70%–80%
Advertisement
What to Know Before Buying in Missouri
- •Disaster/emergency provisions worth reviewing for tornado season
- •Good specialist access at MU Vet Med in Columbia
- •Standard A&I plan covers Missouri's primary risk factors
Missouri Pet Health Facts
Missouri has affordable vet costs in rural areas; Kansas City and St. Louis are pricier.
Missouri is in tornado alley — disaster preparation for pets matters.
University of Missouri College of Veterinary Medicine is a major specialist resource.
Advertisement