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2024

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Best Pet Insurance Companies in St. Louis

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored St. Louis Pet Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

6672Reviewed

4007Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
4111 Union Road, St Louis, MO 63129
  • Accident Only

Why choose this provider?

Alternatives Insurance is an independent agency that serves the needs of St. Louis and the surrounding areas. Its professionals assist pet owners in securing pet insurance plans that provide coverage for emergency care, diagnostic testing, alternative therapy, and annual physical exams. They develop coverage packages that are customized to the needs and goals of each client. The agency has been serving the community since 1992 and partners with insurance carriers like Safeco, Progressive, The Hartford, and Madison Mutual.

License Verified:

License: 290430

Missouri Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (22)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
13422 Clayton Rd., Suite 203, St. Louis, MO 63131
  • Policy Bundle Discount

Why choose this provider?

Flanigan Insurance Agency, Inc., serves individuals throughout St. Louis and its neighboring areas. It provides insurance solutions, including pet insurance products. As an independent insurance agency, it represents various carriers in the market to provide clients with a wider selection of policies. Additionally, the agency offers life, health, vision, dental, homeowners', and renters' insurance products. It has been serving clients for over 65 years. David W. Flanigan, company principal, joined the agency in 1983.

License Verified:

License: 2094

Missouri Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
420 West Highway 40, Troy, IL 62294

Why choose this provider?

Jim Lyons Insurance Agency is an independent insurance provider that offers its services to private individuals and commercial clients in St. Louis. It provides pet, life, health, and umbrella insurance policies. Its pet insurance coverage through Figo includes diagnostic testing, emergency and hospitalization, veterinary specialists, dental illnesses, chronic conditions, and cancer treatments. It is a member of the Valley Insurance Agency Alliance. The agency has been providing insurance solutions to clients for more than 40 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (30)
Facebook
5.0 / 5 (22)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
15212B Manchester Road, Ballwin, MO 63011

Why choose this provider?

Greg Beasley is an insurance agent that serves the St. Louis metro and the neighboring communities. He provides medical insurance plans, such as Trupanion, to support pets in the event of an accident or illness. Trupanion covers a wide variety of illnesses and injuries including allergies, cancer, heart disease, broken bones, and bite wounds. Greg Beasley also offers auto, business, homeowners, life, and renters insurance packages. Greg Beasley is a member of State Farm Insurance Company.

Website
821 Madison St, St. Charles, MO 63301
  • Policy Bundle Discount

Why choose this provider?

Alexander Insurance attends to the coverage needs of individuals and commercial clients in and around the St. Louis area. It offers pet insurance policies to lessen or eliminate veterinary treatment costs. It also offers packages for automobiles, motorcycles, boats, and houses. Its other offerings include plans for health, short-term disability, long-term care, and life. Options for business owners such as professional liability and workers' compensation are available. The agency has been in service for 65 years.

License Verified:

License: 3603

Missouri Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
632 B Trade Center Blvd., Chesterfield, MO 63005
  • Military Discount

Why choose this provider?

Thomas Insurance Advisors, LLC, serves the residents of St. Louis and the surrounding areas. It offers various insurance products in personal and commercial lines. These include pet policies, which cover the medical expenses for dogs and cats in the event of an accident or disease. The firm helps clients select the insurance product that best suits their unique needs from its partner carriers. Gary Thomas, the president of the Missouri office, holds a CLCS designation. He has been in the insurance business for over two decades.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (66)
Facebook
5.0 / 5 (18)
Yelp
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
111 Olympic Way, Saint Peters, MO 63376
  • Policy Bundle Discount

Why choose this provider?

Rob Hamann Agency, Inc., offers pet insurance options to clients in St. Louis and the surrounding areas. The agency's founder, Rob Hamann, represents American Family Insurance and has been an insurance professional for more than three decades. He helps individuals and families protect their assets through various property insurance products, such as home, condo, manufactured home, and renters' insurance. He also helps people prepare for life's uncertainties, such as accidents and sudden death through life and umbrella insurance plans.

License Verified:

License: 8009986

Missouri Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (27)
Facebook
4.8 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
400 Columbia Centre, Columbia, IL 62236

Why choose this provider?

Mitch Essert is a State Farm Insurance agent that has been serving St. Louis and the surrounding areas since 2001. He offers customizable pet insurance policies for different breeds of cats and dogs that focus on their medical needs. In partnership with Trupanion, his team provides coverage options for pets' illnesses, injuries, medications, breed-specific conditions, and treatments and procedures. Essert is also a Chartered Life Underwriter and a Chartered Property Casualty Underwriter who assists with out-of-state transfers to the Columbia area.

License Verified:

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (68)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
168 N Meramec Ave Ste 300, Saint Louis, MO 63105
  • Multi-Pet Discount

Why choose this provider?

Caravus offers financial security solutions to residents of St. Louis and the surrounding areas. It provides pet policy packages that cover veterinary costs for illnesses and hospitalizations of pets. It also meets the needs of individuals, seniors, families, and businesses in terms of health insurance. The firm leverages technology by investing in PTO tracking software, an integrated Cobra system, and eligibility automation. Its team consists of veteran professionals and new talents who use proprietary analytical software to recommend solutions to clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
215 N Main St., Breese, MO 62230
  • Policy Bundle Discount

Why choose this provider?

Foppe Insurance Agency, Inc., caters to the pet insurance needs of individuals and families in St. Louis. It has been serving the local community for more than seven decades, helping clients determine how much coverage they need for their pets and connecting them with the appropriate plans from its network of insurance carriers. These partners include Progressive, Aetna, Foremost, and Mutual of Omaha. In addition to pet insurance products, the agency arranges policies for auto, home, renters', business, and life insurance.

License Verified:

License: 4960

Missouri Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
112 Clarkson Executive Park, Ellisville, MO 63011
  • Policy Bundle Discount

Why choose this provider?

The McKellan Group is a local insurance agency that serves St. Louis and the surrounding areas. Its agents assist clients who want to protect their valuable possessions, employees, family members, and pets in a disaster. Their offerings include life, medical, and disability insurance. The firm's professionals conduct an initial examination and evaluation to validate the claim. They also help companies collect required paperwork from doctors or medical examiners. The McKellan Group has been selling insurance policies since 1984.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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FAQs

  • In St. Louis, what things must you consider when choosing pet insurance?

    When choosing pet insurance in St. Louis, you must determine your animal's needs. You must consider their age and breed, as well as whether they have breed-specific conditions. You need to be aware of the policy's pre-existing conditions terms, enrollment requirements, and rate increase. Moreover, you have to know the policy's annual coverage limits.

  • Does pet insurance in St. Louis cover everything?

    No, pet insurance in St. Louis does not cover everything. Most of the time, this type of insurance only covers injuries and illnesses that are not caused by negligence. It helps animal owners pay for hospital care, specialist care, emergency vet visits, and diagnostics. However, pet insurance does not cover preventive tests, annual wellness checkups, and vaccinations.

  • Can your veterinarian in St. Louis receive payments directly?

    Yes, your veterinarian in St. Louis can receive payments directly. You must file a request ahead of time to process your claim. If the veterinarian accepts a direct payment, your insurance company will coordinate with them to access your pet's medical records. Through this, you can determine whether your claim is denied or not.

  • Do indoor cats in St. Louis need pet insurance?

    Yes, indoor cats in St. Louis need pet insurance even if they are always inside the home. Accidents or injuries may still happen at any time, so it is important that they are protected. Even at home, they can still acquire health-related issues, such as thyroid problems and kidney disease.

  • How much is pet insurance in St. Louis?

    In St. Louis, insurance for dogs can start at $15 per month and insurance for cats typically costs $9 per month. However, the exact monthly premium still depends on several factors. Pet insurance costs depend on the animal's age, sex, breed, and the type of coverage you choose for your pet.

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