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Best Pet Insurance in Mississippi (2024 Guide)

Author Icon By Stephanie Koncewicz Updated 01/31/2024

Pet owners in Mississippi should be mindful that their beloved cat or dog could have an unexpected emergency at any time. That doesn’t mean treatment costs will derail your finances or force you into saying goodbye to your loyal buddy. Enrolling your furry family member in a pet insurance policy ensures that your pet’s future veterinary care will be covered, and you can focus on getting them the care they need. 

The This Old House Reviews Team has researched and analyzed the best pet insurance providers in the country, comparing plans, coverage options, waiting periods, exclusions, and more. Below, read our recommendations for the top affordable insurance providers for pet owners in the Magnolia State.

Compare Other Pet Companies

Star Rating Monthly Cost Coverage Link
Lemonade Lemonade
$23.22 accident and illness, wellness Visit Site
Spot Spot
$45.75 accident and illness, accident only, wellness Visit Site
Embrace Embrace
$57.19 accident and illness, wellness Visit Site
$43.29 accident and illness, accident only, wellness Visit Site
Healthy Paws Healthy Paws
$48.65 accident and illness Visit Site
Logo Lemonade
Star Rating
Monthly Cost $23.22
Coverage accident and illness, wellness
Visit Site
Logo Spot
Star Rating
Monthly Cost $45.75
Coverage accident and illness, accident only, wellness
Visit Site
Logo Embrace
Star Rating
Monthly Cost $57.19
Coverage accident and illness, wellness
Visit Site
Star Rating
Monthly Cost $43.29
Coverage accident and illness, accident only, wellness
Visit Site
Healthy Paws
Logo Healthy Paws
Star Rating
Monthly Cost $48.65
Coverage accident and illness
Visit Site
Star Rating
Monthly Cost
accident and illness, wellness
accident and illness, accident only, wellness
accident and illness, wellness
accident and illness, accident only, wellness
accident and illness

Mississippi’s Top 7 Pet Insurance Providers

Lemonade Best Overall

Lemonade tops our list of the best pet insurance providers in Mississippi for its cost-effective pricing, comprehensive coverage, and variety of add-on packages. Its technology-based platform makes managing your plan and submitting claims user-friendly. 

  • 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

Lemonade Pros and Cons
Pros Provides the lowest-priced plan out of the providers on this list Extends a two-day waiting period for accidents Offers a 5% discount if you enroll multiple pets Cons Has a six-month waiting period for cruciate ligament coverage Excludes older pets from coverage (exact cut-off depends upon your pet’s breed and ZIP code)
Why We Chose Lemonade

We scored Lemonade 96 out of 100. The company stood out for its cost-effective and comprehensive accident-and-illness plan. Its unique use of AI technology lets customers manage their policies, submit claims, and receive reimbursements through its mobile app.

Lemonade offers pet owners multiple options for pet coverage, including five annual coverage limits (maxing out at $100,000), two preventive care options, and five add-on packages (dental illness, behavioral conditions, vet visit fees, physical therapy, and end-of-life services).

Spot Most Customizable Plans

If you need to keep your pet insurance costs within a set budget, Spot’s highly customizable policies could be a great option. Spot offers accident-only and accident-and-illness plans with seven annual limits, ranging from $2,500 to unlimited. 

  • 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

Spot Pros and Cons
Pros Offers a 30-day money-back guarantee Includes coverage for microchipping in its standard policy Covers curable preexisting conditions if your pet has been symptom- and treatment-free for 180 days Cons Charges a $2 transaction fee if you do not pay annually Has a two-week waiting period for accidents
Why We Chose Spot

Spot was rated 91 out of 100 for having the most customizable policy out of the providers on this list. Pet owners can choose from two plans (accident-and-illness and accident-only), seven annual limits, five annual deductibles, and three reimbursement rates to tailor their pet insurance costs to their budget needs.

Spot stands out for covering alternative therapies in its standard plan, including:

  • Acupuncture
  • Chiropractic care
  • Hydrotherapy
  • Low-level laser therapy
  • Physiotherapy
  • Rehabilitative therapy

Most pet insurance providers will not cover your pet’s preexisting conditions (or any illness or condition your pet suffered from prior to enrollment). Spot will cover a curable preexisting condition if your pet goes 180 days without symptoms or treatment of the prior condition.

Embrace Best Deductibles

Embrace offers multiple deductible options and a unique diminishing deductible, lowering your deductible by $50 every year a claim is not filed. 

  • 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

Embrace Pros and Cons
Pros Covers pets as young as six weeks Offers 100% reimbursement for wellness care Provides a 10% multi-pet discount and 5% military discount Cons Charges a $25 enrollment fee Has a higher monthly cost for wellness coverage than other providers on this list
Why We Chose Embrace

We scored Embrace 93.5 out of 100 for its impressive deductible options, offering more flexibility than any provider on this list. In addition, its Healthy Pet diminishing deductible will take $50 off your annual deductible each year you do not submit a claim. Embrace’s robust accident-and-illness policy covers alternative treatments (such as hydrotherapy and laser therapy), dental illness, and breed-specific conditions.

Embrace guarantees coverage for any injury or illness that is not preexisting (a condition your pet showed symptoms of prior to your enrollment). Like Spot, Embrace distinguishes between a curable and incurable preexisting condition and will cover a curable preexisting condition once your pet has gone without symptoms or treatments for one year.

Healthy Paws Best Coverage Limit

Healthy Paws offers one streamlined accident-and-illness plan with unlimited coverage (no per-incident, annual, or lifetime caps), which is ideal for pet owners with expensive vet bills. 

  • Deductibles: $250 or $500
  • Reimbursement options: 70%, 80%, 90% (options depend on your pet’s age and breed)
  • Maximum coverage limits: Unlimited

Learn more: Healthy Paws Pet Insurance review

Healthy Paws Pros and Cons
Pros Donates to the medical care of a homeless animal with every quote submission Provides quick claims processing (usually 48 hours) with direct deposit Offers a two-day waiting period for accidents Cons Does not offer a preventive care add-on Has few customizable coverage options
Why We Chose Healthy Paws

Healthy Paws scored 93.5 out of 100 due to its unlimited coverage, meaning no per-incident, annual, or lifetime limits on your reimbursements. This feature gives pet owners the peace of mind that their pet’s coverage will never run out. Healthy Paws’ policy is underwritten by Chubb, a reputable insurance group with an A++ rating from AM Best.

Healthy Paws offers a single accident-and-illness policy, which covers alternative treatments (such as physical therapy and acupuncture) and specialist visits (oncologists and neurologists). Customers can submit claims online through Healthy Paws’ website or mobile app. Claims are typically processed within 48 hours.

Figo Best Extra Coverage Add-On

Figo earned a place on this list for its extensive add-on packages, including the Extra Care Pack. This add-on covers unique costs, such as advertising and reward fees, if your pet goes missing.

  • Deductibles: $100, $250, $500, $750, $1,000, $1,500 (can vary depending on your pet’s age and breed)
  • Reimbursement options: 70%, 80%, 90%, 100%
  • Maximum coverage limits: $5,000, $10,000, unlimited

Learn more: Figo Pet Insurance review

Figo Pros and Cons
Pros Has a 24-hour waiting period for accidents, shorter than most competitors Provides policyholders with the Pet Cloud app and 24/7 access to a live vet Offers a 100% reimbursement option Cons Does not cover dental illnesses or behavioral problems Requests an annual checkup and dental exam for coverage eligibility
Why We Chose Figo

Figo scored 93 out of 100 in our review for its distinctive add-ons, which Figo calls “powerups.” There are three powerups you can add to your standard accident-and-illness policy. The vet exam package covers vet exam fees associated with diagnosing or treating your pet’s condition. Its wellness care add-on is available at a basic and premium level, covering microchipping, vaccinations, spay/neuter surgery, and more.

We were most impressed with the Extra Care Pack. This powerup covers special circumstances pet owners could face, such as third-party property damage caused by your pet, advertising and reward fees for a lost or missing pet, end-of-life fees, vacation cancellation fees, and emergency boarding costs.

Fetch Pet Insurance Best Holistic Coverage

Fetch Pet Insurance stands out for its robust holistic therapy coverage and Healthy Pet credit, giving pet owners a discount for each year they don’t file a claim.

  • 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 Pet Insurance Pros and Cons
Pros Covers dental illness and trauma for every adult tooth Offers multiple discount opportunities, including for adopting pet from a shelter or rescue Reimburses up to $1,000 for behavioral therapy Cons Does not offer a preventive care add-on Requires a vet exam for your pet to be eligible for coverage
Why We Chose Fetch Pet Insurance

Scoring a 91.5 out of 100, Fetch Pet Insurance is our top choice for holistic coverage, including stem cell therapy, homeotherapy, hydrotherapy, acupuncture, and chiropractic care. It covers special circumstances such as advertising and reward for lost pets, emergency boarding fees, and vacation cancellation costs if your pet has an emergency.

There are several discount opportunities, including for AARP members, military members, veterans, and those who adopted or rescued their pets. Additionally, the “Healthy Pet” credit gives pet owners 15% off their premium if they do not submit a claim in one year. (This credit caps at 30% after two years.)

Wagmo Best for Wellness

Wagmo earned a place on our list for its standalone wellness plan to ensure your pet is always up to date with routine care.

  • Deductibles: $250, $500, $1,000
  • Reimbursement options: 90% or 100%
  • Maximum coverage limits: $10,000 per-incident cap; $20,000 annual cap; $100,000 lifetime cap

Get a quote: Fill out Wagmo’s online quote form.

Wagmo Pros and Cons
Pros Gives a 10% multi-pet discount and a 15% annual renewal discount on its wellness plans Offers three tiers of standalone wellness coverage Reimburses through Paypal, Venmo, or direct deposit Cons Does not provide coverage for any rehabilitative or holistic treatments Does not cover hip dysplasia for pets older than six
Why We Chose Wagmo

Wagmo scored 90 out of 100 for its three-tiered wellness coverage. When enrolling with other providers on this list, pet owners must purchase an accident-and-illness policy and then add a wellness add-on. With Wagmo, you can purchase a wellness plan, an accident-and-illness plan, or both.

Wagmo estimates that dog owners spend up to $20,000 on annual care over the life of their pet.  The provider doesn’t want its customers paying for something they don’t need—it caps lifetime coverage at $100,000 to keep monthly premiums low.

Compare the Top Pet Insurance Providers in Mississippi

We recommend getting quotes from at least three pet insurance providers before enrolling in a plan.


Avg Cost of Dog Insurance*

Avg Cost of Dog Insurance*

Number of Plans and Add-ons

Wellness Add-on













Healthy Paws








Fetch Pet Insurance








✓(Stand-alone wellness plan)

*Based on sample quotes for a mixed-breed, four-year-old dog or cat in Gulfport, Mississippi.

What Pet Insurance Does and Doesn’t Cover

Pet insurance coverage depends on if you have an accident-only or accident-and-illness plan and if you chose any add-on packages. These plans cover the following:

  • Accident-only plan: An accident-only plan covers emergency care, treatments, and procedures (such as diagnostic testing, hospitalization, and prescription medication) relating to an accident or injury. This is the most basic, affordable pet insurance plan. In many cases, older dogs will only qualify for this type of coverage.
  • Accident-and-illness plan: An accident-and-illness policy is much more comprehensive, as it covers everything included in an accident-only plan as well as veterinary costs related to illnesses and other health issues. This type of plan is ideal if you’re looking for coverage for potential health problems such as cancer, arthritis, allergies, diabetes, hereditary conditions, or chronic conditions. 
  • Wellness add-on: Most pet insurance providers don’t cover preventive care in their base plans, but may offer a wellness care add-on for an extra monthly fee. These wellness plans cover routine services and treatments such as spay/neuter surgery, vaccinations, bloodwork, annual checkups, and flea/tick prevention.

Every pet insurance policy comes with its own set of exclusions, with the most common being preexisting conditions. A preexisting condition is an injury, illness, or condition that your pet was diagnosed with or showed symptoms of before your policy began. However, there are a handful of companies (including Embrace, Spot, and Fetch) that will cover a curable preexisting condition as long as there are no recurring symptoms after a certain waiting period.

Other common exclusions include cosmetic or elective surgeries, breeding/pregnancy costs, grooming, boarding, and preventive care.

Our Conclusion

From Jackson to Biloxi, a pet insurance policy gives pet parents peace of mind that their pet will be cared for in the face of an emergency, illness, or injury. We at the This Old House Reviews Team have analyzed and compared coverage, pricing, customer service, and unique offerings of multiple pet insurance providers available in Mississippi. 

Lemonade tops our list for affordability and well-rounded coverage. Spot or Embrace might be a  better fit if you want flexible customization options. We recommend getting quotes from several pet insurance companies to determine the best coverage and costs to fit your needs.

Other Mississippi Home Service Resources

FAQ About Pet Insurance in Mississippi

Is pet insurance in Mississippi worth it?

Pet insurance in Mississippi can be worth it for its several benefits, primarily the peace of mind it brings pet owners. If a beloved pet gets sick or injured, pet owners won’t have to worry about paying out of pocket for expensive vet bills or saying goodbye for financial reasons. Instead, they can focus on getting their dog or cat the health care they need.

Will my pet’s preexisting condition be covered by pet insurance?

Your pet’s preexisting condition will not be covered by pet insurance in most cases. No pet insurance provider covers preexisting conditions. A few companies will distinguish between preexisting conditions that are curable (ear infection or diarrhea) versus incurable (diabetes or seizures). Embrace, Spot, and Fetch will consider covering a curable preexisting condition in the future if your pet has been without symptoms or treatment for a set period of time. 

Can I begin using my pet insurance policy right away?

No, you can’t begin using your pet insurance policy right away. All pet insurance policies have a waiting period, or a set time frame to wait until your policy goes into effect. This period varies between providers and can range from 48 hours to 15 days. Orthopedic conditions, such as cruciate ligament tears or hip dysplasia, often have a longer period, upwards of 6–12 months. An emergency, accident, or illness that occurs during the waiting period will not be covered.

Our Rating Methodology

The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.