Best Pet Insurance in Mississippi (2024 Guide)
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.
We researched and analyzed the best pet insurance providers in the country, comparing plans, coverage options, waiting periods, exclusions, and more. Through our research, we’ve found that the best pet insurance provider in Mississippi is Lemonade for its flexible plans and affordable pricing. Below, read our recommendations for the top affordable insurance providers for pet owners in the Magnolia State.
How Do MS Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
---|---|---|---|---|
$33.69 | $13.32 | VISIT SITE | ||
$38.44 | $21.53 | VISIT SITE | ||
$65.15 | $53.43 | VISIT SITE | ||
$44.83 | $24.68 | VISIT SITE | ||
$49.85 | $26.55 | VISIT SITE | ||
$44.79 | $16.36 | VISIT SITE | ||
$60.77 | $37.93 | VISIT SITE |
Mississippi’s Top 7 Pet Insurance Providers
What Does Pet Insurance Cover and Not 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.
Is Pet Insurance in Mississippi Worth it?
Yes, in most cases, we’ve found that pet insurance is worth it in Mississippi due to the added security and peace of mind. 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 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.
FAQs About Mississippi Pet Insurance
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
We are 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.