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Pet Insurance In Mississippi

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Choosing the right pet insurance company for you and your dog or other pets in Mississippi can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Mississippi and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Pet Health Insurance For Dog in Mississippi

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Mississippi and across the USA. Simply scroll to the right to view all the brands:

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Mississippi Pet Insurance FAQs

What Pet Insurance Is Most Widely Accepted In Mississippi?

Pet insurance works by claims directly from the client instead of claims made to the veterinarian. For this reason, all insurance companies are accepted with only a few exceptions. Choose any company, and you will be reimbursed once you file a claim with the applicable paperwork.

What Is Usually Not Covered By Pet Insurance In Mississippi?

Unlike human health insurance, pet insurance does not pay for preventative care. This includes things like annual exams, dental cleanings, and vaccinations. As a result, insurance for pets is only worthwhile in case of the unexpected, such as ear infections, broken bones, or chronic illnesses. However, wellness care can be added to your coverage policy for an additional premium.

Medical treatment for a pre-existing condition is not covered, nor is treatment for an animal that has been abused or neglected, even if the illness could have been prevented by vaccination. Therefore, insurance companies will not cover his medical expenses if your dog contracts Bordetella (kennel cough) and is not vaccinated. Therefore, it is imperative that you contact your insurance provider to determine what is and is not covered.

Do Pet Insurance Premiums Go Up With Age In Mississippi?

Most customers sign up for insurance when their pets are young because that’s when the monthly costs are lowest. However, most businesses start increasing their rates around the fourth or fifth year because dogs have more health problems as they age. As your pet requires more care, you can expect your monthly premium to rise.

Can I Get Pet Insurance After Diagnosis In Mississippi?

Most pet insurance policies do not pay for treatment for pre-existing conditions. However, your pet’s pre-existing condition may not prevent them from receiving coverage for unrelated injuries or illnesses. Although, some health plans will pay for the cost of treating diseases. Therefore, you should get pet insurance as soon as possible after bringing your new puppy home, preferably before they become ill or develop a pre-existing disease.

Does Pet Insurance Cost More For Certain Breeds In Mississippi?

An insurance company’s duty is to protect policyholders from financial loss while also protecting the company itself from catastrophic events. Therefore, the cost of each policy’s premium is based on its individual level of coverage and risk. Your premium could be impacted in several ways, including the breed of your pet, as some dogs are more prone to health issues.

If your dog is of a breed more likely to suffer from a serious illness or injury, you should budget more money for insurance. In addition, because of their shared genetic history, there is an increased risk of hereditary diseases and congenital abnormalities in purebreds, so you can also expect to pay more for them. However, the insurance company only needs to charge a few extra dollars a month to cover their expenses.

Is Pet Insurance Mandatory In Mississippi?

In Mississippi, pet owners are not mandated to carry insurance for their animals except for liability for certain breeds. However, it’s a wise investment because annual increases in veterinarian service costs make them out of reach for most families. In addition, pet owners may go bankrupt trying to pay for expensive emergency care if they don’t have insurance.

What Is The Best And Least Expensive Pet Insurance In Mississippi?

Insurance rates changed based on age, breed, location, and other factors. However, most customers in the state find the best and most affordable care from Lemonade, Pawp, and Pet’s Best. Each are, on average, around $20 less than other options. Check with multiple companies as each has advantages and disadvantages that can affect your specific animal’s rate.

Are Pet Healthcare Plans In MS Worth It?

There are typically more costs than benefits associated with investing in wellness protection or pet health insurance. Those with wellness coverage typically have similar premiums to those without. Look into the varying possibilities presented by various establishments, as there may be substantial variations between them. Most families benefit more from accidental or comprehensive coverage more than from a healthcare plan.

How Long Does It Take For Pet Insurance To Pay Out In Mississippi?

Most insurance companies take 10-20 working days to pay out a pet insurance claim, and some companies work even faster, returning claims in the first week. You can call your insurance company to ask about claim processing time.

Provide the insurance company with the necessary information and documents to process your claim quickly.

Keep in mind that pet insurance claims may be delayed if the amount claimed is disputed. Additionally, claims may not be covered by the policy, causing payout delays. The insurance company will check if the illness or injury is pre-existing.

What Are The Pros Of Having Pet Insurance In MS?

Insurance offers many benefits, including peace of mind and major savings in the event of illness or accident. In addition, Mississippi has unique threats for pets, including wild hogs, water hemlock, venomous snakes, and extreme temperatures. All these reasons can make life in the state much safer for your pets.

Furthermore, insurance can expand treatment options as medications can be expensive. You can also avoid using your savings. Pet insurance can save money for other emergencies or additional testing. Knowing the risks of pet safety may make you cautious while still maintaining a safety net.

When you have pet insurance, you do not have to stress about finding a vet who accepts your plan as insurance reimburses you. Furthermore, as more people get insurance, the safer the pet population will be, with less chance of passing on diseases from one dog or cat to another. You also have a better chance of your pet living longer with access to the expensive diagnostics animals need to further benefit their health.

How Much Is Pet Insurance A Month In Mississippi?

In Mississippi, insurance for a dog can range from $14 to $72 a month, depending on your dog’s information. Prices range widely because of variables such as age, breed, geographic location, and overall health. The average monthly expense for a dog is closer to $20 to $40 a month, depending on the breed and size. In Mississippi, the cost of veterinary care is almost twenty percent below the national average.

Can Pet Insurance Be Dropped In Mississippi?

It’s true that some insurers will not cover dogs older than a certain age, but this is not the case everywhere. For instance, Embrace will not cancel your insurance coverage because of your age or health. Your pet will maintain insurance coverage so long as you keep making the required payments.

Although, if your pet insurance premiums go unpaid for an extended period of time, your coverage may be terminated. In addition, once your pet reaches a particular age, the level of coverage provided by some policies may decrease. You may also cancel your insurance policy at any time, albeit specific cancellation policies are determined by each insurance provider.

Does Pet Insurance Start Immediately In Mississippi?

In most cases, the coverage period for a pet insurance policy does not begin until about two weeks after the policy was purchased. Some of these policies do not start covering accidental injuries for a while, but others do so right away.

The purpose of waiting periods set by insurers is to make potential pet policyholders think twice before waiting until it’s too late to get their animal covered. In addition, a waiting period would discourage pet owners from delaying insurance coverage for their pets until after an accident or illness has already occurred.

Unfortunately, there are currently no options for pet insurance coverage that do not mandate a waiting period. It is common practice for insurance providers to require a waiting period before paying for your pet’s medical care. Insurance is meant to protect you from unforeseen events; however, it does not cover problems that have already arisen and usually does not cover pre-existing conditions.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member ❤️ - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from iHeartDogs.com

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