Your pet’s health and safety is priority No. 1. Injuries and illnesses can happen anytime, leaving you with potentially hefty vet bills. Pet health insurance ensures these bills will be covered when unforeseen health issues arise, allowing you to focus on your pet’s care.

The This Old House Reviews Team has researched and compared the best pet insurance companies in the United States, considering factors such as coverage, costs, reimbursement options, waiting periods, and more. We then narrowed down our choices for Missouri, whether you live in Kansas City, St. Louis, or anywhere else.

Missouri’s Top 7 Pet Insurance Providers




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

Lemonade Pros and Cons

✔ Donates unclaimed premium money to the non-profit organization of your choice
✔ Offers a 10% discount to customers that bundle pet insurance with another Lemonade policy
✔ Provides a 48-hour waiting period for accidents, shorter than other providers

✘ Has an age limit for new enrollees—pets must be younger than 14
✘ Does not cover vet exams in its base plan

Why We Chose Lemonade

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. 

Get a quote: Use Lemonade’s online quote tool

Learn more: Lemonade Pet Insurance review




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

Spot Pros and Cons

✔ Covers curable preexisting conditions if pets have been symptom and treatment-free for 180 days
✔ Covers exam fees and microchipping in its base plan
✔ Provides 24/7 vet telehealth

✘ Has a $2 transaction fee if you do not pay your policy annually
✘ Has a longer waiting period for accidents than other competitors

Why We Chose Spot

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. 

Get a quote: Use Spot’s online quote tool

Learn more: Spot Pet Insurance review




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

Embrace Pros and Cons

✔ Donates $2 to a pet-related charity with every policy enrollment
✔ Provides a 10% discount when you enroll multiple pets
✔ Offers a free medical history review after enrollment

✘ Doesn’t cover supplements or prescription food
✘ Covers orthopedic conditions after a 6-month waiting period

Why We Chose Embrace

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. 

Get a quote: Use Embrace’s online quote form

Learn more: Embrace Pet Insurance review



Healthy Paws

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

Healthy Paws Pros and Cons

✔ Has a quick digital claims process
✔ Offers a 30-day money-back guarantee
✔ Provides a comparison tool to help customers find the best price industry-wide

✘ Doesn’t offer a preventive care add-on
✘ Has a 12-month waiting period for hip dysplasia

Why We Chose Healthy Paws

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.

Get a quote: Use Healthy Paws’ online tool

Learn more: Healthy Paws Pet Insurance review



Fetch by The Dodo

Fetch by The Dodo 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

Fetch by The Dodo Pros and Cons

✔ Doesn’t have an age limit for coverage
✔ Offers multiple discounts
✔ Provides more comprehensive dental benefits than any provider on this list

✘ Doesn’t offer preventive care add-ons
✘ Has a 15-day waiting period for injuries and illnesses

Why We Chose Fetch by The Dodo

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. 

Get a quote: Use Fetch’s online quote form

Learn more: Fetch by The Dodo Pet Insurance review




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

Figo Pros and Cons

✔ Offers 100% reimbursement option
✔ Only a 24-hour waiting period for injuries
✔ Provides a Pet Cloud app with 24/7 vet access, appointment reminders, and connections to local pet parents

✘ Doesn’t cover dental illnesses
✘ Requires annual checkups and dental exams to maintain coverage

Why We Chose Figo

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.

Get a quote: Use Figo’s online quote form

Learn more: Figo Pet Insurance review




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

Trupanion Pros and Cons

✔ Has 24/7 customer service
✔ Pays your vet directly at checkout
✔ Provides unlimited lifetime coverage and a 90% reimbursement rate

✘ Doesn’t offer preventive care
✘ More expensive monthly premiums than other providers

Why We Chose Trupanion

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.

Get a quote: Use Trupanion’s online quote form.

Learn more: Trupanion pet insurance review



Compare the Top Providers of Pet Insurance in Missouri

Compare the top pet insurance providers in the Show-Me State in the table below.


Avg Cost of Dog Insurance*

Avg Cost of Cat Insurance*

Number of Plans and Add-ons

Wellness Add-on









Healthy Paws








Fetch by the Dodo












*Based on sample quotes for a mixed 4-year-old dog or cat in St. Louis, Missouri.



What Pet Insurance Does and Doesn’t Cover

Your pet’s coverage will vary based on whether you choose an accident-only or an accident-and-illness plan. An accident-only plan covers diagnostics, hospitalization, surgery, emergency care, and prescription medications for a related accident or injury. An accident-and-illness plan is more comprehensive, covering everything in the accident-only plan plus diseases and conditions.

Providers typically offer preventive care add-ons that can be added to your base plan for an extra monthly fee. These plans cover a variety of routine care such as vaccinations, spay or neuter surgery, dental cleanings, and flea, heartworm, and tick prevention.

Plans have certain exclusions, so read the fine print to learn what your provider doesn’t cover. Pet insurance providers commonly won’t cover preexisting conditions, meaning any injury, illness, or condition that your pet was diagnosed with or showed symptoms of before the start date of your policy (including the waiting period). Insurers also typically don’t cover breeding costs, cosmetic or elective surgeries, grooming, and preventive care (unless it’s part of an add-on package).

A handful of pet insurance companies, including Embrace and Spot, will consider covering preexisting conditions if the condition is curable and your pet  has not shown symptoms or received treatment for it within a set period.



Our Conclusion

Whether you’re walking the trails of Gateway Arch National Park with your labrador or relaxing on the couch with your Persian cat, accidents and illnesses can occur at any time. Pet insurance provides peace of mind that your loyal companion’s vet care will be covered when these issues arise.

We recommend Lemonade as the best option for pet parents looking for a comprehensive, budget-friendly plan. Spot or Figo may be better if you want unlimited coverage or flexible coverage options.



FAQs About Pet Insurance in Missouri



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.

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