Pet Insurance in Missouri
Got a Komondor in Kansas City, or a Saint Bernard in St. Louis? Cover your pet with Lemonade pet insurance in Missouri—the smart choice to keep your fur baby happy and healthy in the Show-Me State.
How much does pet insurance cost in Missouri?
| City | Average monthly premium* |
|---|---|
| St. Louis | $25 to $29 |
| Independence | $30 to $34 |
| Kansas City | $30 to $34 |
| Springfield | $25 to $29 |
What does a Lemonade pet insurance
policy in Missouri cover?
- Bloodwork
- X-rays
- MRI
- CT Scan
- Lab Work
- Urinalysis
- Ultrasounds
- Cancer
- Emergency Care
- Surgery
- Heart Disease
- Hospitalization
- Road Accidents
- Outpatient Care
- Allergy Medicine
- Specialty Care
- Injections
- Prescription Medications
- Arthritis Medications
- Knee, Elbow, and Hip Dysplasia
What pet insurance plans does
Lemonade offer in Missouri?
Wellness exam
Annual physical checkup for your pet
Vaccines
Up to 3 vaccines such as Rabies, DHLPP, and Bordetella
Heartworm test
Annual screening of heartworm infestation
Fecal or internal parasite test
Annual parasite evaluation test
Routine dental cleaning
Including dental x-rays, anesthesia, polishing, and more
Preventative medication
Protection for your pet against fleas, ticks, and heartworm
Pet parents love Lemonade
Is pet insurance worth it in Missouri?
What additional coverage does
Lemonade offer in Missouri?
Visit fees
Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.
Read morePhysical therapy
Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.
Read moreDental illness
Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.
Read moreBehavioral conditions
Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.
Read moreEnd-of-life and remembrance
Helps cover the costs related to vet-recommended euthanasia, cremation, or commemorative items—like an urn, framed pictures, digital photo storage, or even a tattoo—even if the pet’s death is not related to an eligible condition.
Read moreHow much pet insurance do I need in Missouri?
for cats and dogs in Missouri.
Estimated vet services costs for dogs across Missouri
| Vet Service | St. Louis | Independence | Kansas City | Springfield |
|---|---|---|---|---|
| Spay (over 6 months) | $605 (over 50 lbs)/$528 (under 50 lbs) | $569 (over 50 lbs)/$497 (under 50 lbs) | $569 (over 50 lbs)/$497 (under 50 lbs) | $590 (over 50 lbs)/$515 (under 50 lbs) |
| Neuter (over 6 months) | $501 | $471 | $471 | $489 |
| Professional dental cleaning | $409 | $374 | $374 | $395 |
| Office visit | $72 | $64 | $64 | $68 |
Estimated vet services costs for cats across Missouri
| Vet Service | St. Louis | Independence | Kansas City | Springfield |
|---|---|---|---|---|
| Spay (over 6 months) | $375 | $353 | $353 | $366 |
| Neuter (over 6 months) | $276 | $260 | $260 | $270 |
| Professional dental cleaning | $409 | $374 | $374 | $395 |
| Office visit | $72 | $64 | $64 | $68 |
Source: Banfield Pet Hospital
How does pet insurance work in Missouri?
Go to the vet
If your pet gets sick or injured, just visit any state-licensed veterinarian for the diagnostics, procedures, and medications your furry friend may need to recover.
File a claim
File a claim on the Lemonade app in minutes. You’ll need a pic of the vet invoice and/or a paid receipt, plus a copy of your medical records or notes from that specific vet visit.
Get reimbursed
Get your money back directly into your bank account from Lemonade for eligible claims. Around 50% of Lemonade pet insurance claims are handled instantly.
FAQs
What are the main safety threats to pets in Missouri?
Coyotes, found statewide, are mostly nocturnal and can pose a threat to small animals. Keep your pets leashed during walks, especially at night, and secure garbage bins to deter them. Black bears, more common in southern Missouri, are usually shy but can become defensive if they feel threatened by barking dogs. Always supervise pets outdoors, especially in bear territories.
Cold weather is another concern, with Missouri experiencing over 100 below-freezing days each year. Pets with low cold tolerance may need extra warmth like jackets and booties, and don’t forget to wipe their paws after walks to remove harmful chemicals like antifreeze. A quick tap on the car hood in winter can also save stray cats seeking warmth under the hood.
What are the best dog parks in Missouri?
Missouri offers some super dog parks for your furry friends to enjoy.
- Twin Lakes Recreation Area in Columbia features three separate parks, including a lakeside area for large dogs and a pond for smaller pups.
- Fast Lane Pup Park in Kingdom City is perfect for travelers, offering 24-hour access with fresh water and artificial turf.
- Bar K Dog Bar in Kansas City combines a two-acre dog park with a bar and restaurant, making it a unique spot for both dogs and their humans.
- Garth Nature Area in Columbia provides a three-acre dog park with a pond and beautiful hiking trails for a day of adventure.
What are the top local pet-based businesses in Missouri?
Missouri is packed with amazing pet businesses catering to all your furry friend’s needs.
- Busch Pet Products in Cape Girardeau specializes in holistic pet supplies, offering expert advice on nutrition and behavior alongside connected grooming and boarding services.
- Kennelwood Pet Resorts, with locations across the state, pampers pets with daycare, grooming, and even professional photography!
- Petropolis, with spots in Chesterfield and St. Charles, offers training, grooming, boarding, and daycare rooted in a force-free philosophy to enrich and educate both pets and their humans!
Can I use Lemonade pet insurance at any vet in Missouri?
Yes, since we work on a reimbursement basis you can use your Lemonade pet insurance policy at any licensed vet in the U.S., including Missouri.
What vaccinations are required for dogs in Missouri?
Missouri requires dogs to be vaccinated against rabies by law. Other recommended but not legally required vaccines include distemper, parvovirus, and bordetella, depending on your dog’s needs and lifestyle. Check with your vet to make sure your pup is up to date with the vaccines they need.
*Lemonade Insurance analyzed policy rates to calculate average pet premiums as of October, 2024. This analysis is based on Lemonadeu2019s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances
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