Get the Best Pet Insurance in Mississippi in 2025

Sponsored by Figo Pet Insurance

Mississippi is a paradise for pets, from exploring the scenic Natchez Trace to strolling along the Gulf Coast beaches. With all these adventures, having reliable pet insurance is key to keeping your furry friend healthy and avoiding unexpected veterinary expenses. Luckily, finding the right plan doesn’t have to be a hassle – it’s all about getting coverage that works for your budget and your pet's needs.

In this guide, we’ll walk you through the basics of pet insurance in Mississippi. We’ll cover what to look for in a policy, typical costs, and which pet insurers stand out. By the end, you’ll have the information you need to protect your pet no matter where they roam in the Magnolia State.

Summary: Best Mississippi Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 12/20/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Mississippi?

According to our research, Mississippi pet insurance costs an average of $31 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $46 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Mississippi cities: Jackson, a major urban center, and Laurel, an average-sized city for the state.

It's important to note that your own Mississippi pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Mississippi

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in Mississippi is $31 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $46 monthly.

Cost of Pet Insurance in Mississippi by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Mississippi:

Cost of Pet Insurance for Cats in Mississippi

Pet insurance for cats is significantly cheaper than dog insurance in Mississippi. The average monthly cost for cat insurance in the state ranges from $16 to $33, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Mississippi by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Mississippi pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Mississippi

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care for both domestic and exotic pets. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet parents to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no pet insurance claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Mississippi

Mississippi’s combination of humid weather and rich natural habitats creates unique health challenges for pets. Mosquitoes flourish in the state’s climate, making heartworm disease a significant concern year-round. Preventive care is essential to protect pets from this potentially fatal condition.

The state’s diverse wildlife adds another layer of risk, with venomous snakes like copperheads and cottonmouths commonly found in rural and wooded areas. Outdoor pets are particularly vulnerable, and supervision during outdoor activities is key to keeping them safe from encounters.

Mississippi’s hot summers can be especially hard on pets, increasing the risk of heatstroke and dehydration. Pets need constant access to fresh water and shade, and exercise should be limited during the hottest parts of the day.

Choosing pet insurance with comprehensive coverage ensures your pet is well-protected in Mississippi’s unique environment, covering local risks, routine care, and emergency treatments.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Magnolia State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially important in a state like Mississippi, where weather and wildlife can pose potential threats to your pet's health.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Although veterinary costs are generally lower in Mississippi compared to some other states, having coverage for exam fees can still lead to significant long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Mississippi Pet Laws

Mississippi, home to the blues and stunning Gulf Coast landscapes, has laws designed to protect animals and promote humane treatment. Here are key pet laws to know in the state:

• Animal cruelty laws. Mississippi considers acts of cruelty against animals a misdemeanor. This includes overloading, tormenting, or unjustifiably injuring any living creature. Neglect, such as failing to provide necessary food, water, or shelter, is also classified as cruelty.
• Pet protection for dogs and cats. The 2011 Mississippi Dog and Cat Pet Protection Law specifically safeguards domesticated cats and dogs. It prohibits confining them in cruel conditions or depriving them of adequate care. Violators may face criminal charges.
• Dog theft penalties. Stealing a dog in Mississippi is a felony offense. Convicted individuals may be fined up to $500, jailed for up to six months, or imprisoned in the state penitentiary for one to two years.
• Animal control and local authority. Local governments have broad powers to regulate animal control. They can impound stray animals, impose taxes on dog owners, and prevent animals from running at large. Impounded animals may be sold if unclaimed.
• Stray dogs without tags. Officers are required to impound any dog over three months old found running at large without a collar or rabies tag. If the owner does not claim the dog within five days, the dog may be euthanized. The sheriff must first receive a description of the dog.

Jackson Pet Laws

Jackson, Mississippi, known for its rich history and thriving cultural scene, has clear pet laws to promote safety and responsible pet ownership. Here are some essential regulations to know:

• Rabies vaccination. All dogs and cats three months or older must be vaccinated against rabies annually. Owners must ensure their pets wear a state-approved metal tag displaying the vaccination’s serial number and year.
• Running at large. It is illegal for animals to roam freely within Jackson’s city limits. Stray animals may be impounded, and owners could face a $50 fine payable to animal control within 72 hours.
• Vicious animals. Owners of vicious animals must keep them securely confined in a building or enclosure. When off the property, these animals must be muzzled or caged for public safety.
• Dangerous and potentially dangerous dogs. Dogs that injure people or animals, behave aggressively, or are repeatedly impounded may be classified as dangerous or potentially dangerous. Owners of such dogs must meet strict requirements, including obtaining a registration certificate, ensuring rabies vaccination, maintaining a secure enclosure, paying an annual fee, and microchipping the dog.

Gulfport Pet Laws

Gulfport, known for its stunning Gulf Coast beaches and bustling harbor, has pet laws designed to protect animals and maintain community safety. Here’s what pet owners in Gulfport should keep in mind:

• Animal cruelty. Cruel treatment of any living creature is prohibited, including actions like overdriving, overloading, torturing, unjustifiably injuring, or depriving animals of food, water, or proper shelter. Owners must provide veterinary care and adequate protection from the weather to prevent suffering.
• Dog running at large. Dogs must not roam freely within city limits unless they are in a fenced, city-operated dog park and accompanied by their owner.
• Rabies vaccination. All dogs and cats three months or older must be vaccinated against rabies. Pets are required to wear a metal tag displaying the vaccination's serial number and year.
• Breeding restrictions. Breeding dogs or cats on private premises is illegal without a conditional permit from the city.

Southaven Pet Laws

Located in DeSoto County, Southaven, Mississippi, is a growing community known for its events, friendly neighborhoods, and close proximity to Memphis. To maintain a safe and responsible environment for residents and their pets, the city has established pet laws that focus on ownership and public safety. Here’s an overview:

• Rabies vaccination. All dogs and cats three months or older must be vaccinated against rabies by a legally authorized person such as a licensed veterinarian. Pets must always wear a securely attached metal tag with the vaccination’s serial number and year.
• Animals running at large. Pets must not roam freely within Southaven city limits. Animals must be secured on a leash or lead under six feet when off their owner’s property or confined within a fenced area at home.
• Proper care and restraint. Owners must ensure their pets have access to food, water, and shelter while properly restrained. Tethering is allowed only if it does not harm the animal and is not used as a long-term or permanent method of confinement.
• Vicious dog regulations. A dog deemed vicious (one with a history of unprovoked attacks or dangerous behavior) must be confined indoors or in a securely locked pen on the owner’s property. Vicious dogs may only leave the property if leashed and muzzled, except at American Kennel Club-sanctioned events or with prior approval from animal control. Owners of dogs that seriously injure a person or kill another animal must secure liability insurance of at least $100,000.

Common Pet Risks in Mississippi

Mississippi’s warm climate and diverse natural habitats present a variety of risks for pets. From venomous wildlife to extreme weather, understanding these challenges can help pet owners keep their companions safe year-round. Here are some common risks to be aware of:

• Venomous snakes. Mississippi is home to venomous snakes like copperheads, cottonmouths, and rattlesnakes. These snakes are often found in wooded or marshy areas and can pose a serious threat to curious pets. Snake bites require immediate medical attention, so supervision during outdoor activities is essential.
• Mosquito-borne diseases. The state’s humid climate makes it a hotspot for mosquitoes, which can spread heartworm disease to dogs and cats. This potentially fatal condition is preventable with regular heartworm prevention medication.
• Heat-related illnesses. Mississippi is prone to heat waves that can seriously harm pets, causing dehydration and heatstroke, especially if they stay outside too long. Providing constant access to fresh water and shade and avoiding activity during peak heat hours can help prevent these issues.
• Flooding and waterborne hazards. Mississippi’s low-lying areas are prone to flooding, which can lead to exposure to contaminated water. This increases the risk of leptospirosis, a bacterial infection that pets can contract from standing water. Keep pets away from floodwaters and ensure they're vaccinated for leptospirosis.
• Harmful algal blooms (HABs). Harmful algal blooms in Mississippi's lakes, ponds, and coastal waters can release toxins that endanger pets and humans, especially in warmer months. These blooms can contaminate drinking water and caused months-long beach closures in 2019. Keep pets away from algae-filled water and avoid using contaminated water to prevent harm.

Veterinary Costs in Mississippi

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Mississippi is $67. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Mississippi

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Mississippi:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet parents in Mississippi. However, we recommend conducting your own research, speaking to a licensed vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

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