Best Pet Insurance in Mississippi (2025 Guide)

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

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).

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 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 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

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 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 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 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 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 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

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 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

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.