Best Pet Insurance in Florida (FL) in 2023

Whether you live in Tampa, Miami, or anywhere else in the Sunshine State, a Florida pet insurance policy can prevent you from paying expensive vet bills and get treatment for your pet when it has an accident.

Taking your pet to the vet when it comes down with a fever or breaks a bone is never cheap. In fact, simple procedures or exams can cost thousands of dollars out of pocket unless you have pet health insurance.

The This Old House Reviews team received sample quotes, researched policies, and read customer reviews of the best pet insurance companies in Florida to help you find a provider that’s right for you and your pet.

Here are the top providers of pet insurance for Floridians:

• Spot: Most Customizable Plans
• Embrace: Best Deductibles
• Fetch by The Dodo: Best Holistic Coverage
• ASPCA Pet Health Insurance: Best for New Pet Owners
• Healthy Paws: Best Coverage Limit
• Prudent Pet: Most Comprehensive Plan
• Figo: Best for Extra Coverage Add-Ons

Spot: Most Customizable Plans

• Deductible Options: $100, $250, $500, $750, $1,000
• Annual Coverage Limit: $2,500, $4,000, $5,000, $7,000, $10,000, and Unlimited
• Reimbursement Choices: 70%, 80%, 90%

Spot scored a 91 out of 100 in our review and prioritizes affordability for all pet owners by offering customizable plans.

Spot Pet Insurance Highlights:

• Highly customizable: six annual limits, five deductibles, and three reimbursement percentages to choose from
• Great for cheap coverage
• Not the best fit for pet owners wanting 24/7 customer service or a comprehensive wellness plan

Spot Plans

For the most affordable policy, consider Spot’s Accident-Only Plan, which offers minimal coverage for vet bills related to injuries, swallowed objects, or toxic ingestions.

The Accident and Illness Plan covers everything under the Accident-Only Plan and behavioral issues, hip dysplasia, heart disease, hereditary conditions, congenital conditions, cancer, respiratory infection, diabetes, and dental disease.

During checkout, you can add the Gold Preventative Care Plan for $9.95 per month, which covers items like wellness exams, vaccinations, and deworming up to $250 per year.

For more routine care coverage up to $450 per year, you can add the Platinum Preventative Care Plan for $24.95 per month.

Spot Coverage

Spot excludes any preexisting conditions that manifest in your pet before enrollment or during the 14-day waiting periods for both accidents and illnesses.

Learn More: Spot Pet Insurance Review

Embrace: Best Deductibles

• Deductible Options: $200, $300, $500, $750, $1,000
• Annual Coverage Limit: $5,000, $8,000, $10,000, $15,000, $30,000
• Reimbursement Choices: 70%, 80%, 90%

We gave Embrace a 93.5 out of 100.

Embrace Highlights:

• Five pet insurance deductible options
• “Healthy Pet Deductible” diminishes your deductible by $50 each year you don’t file a claim
• If your pet rarely has health issues, the deducible you owe during a claim could be $0

Embrace Plans

For coverage on issues like cancer, broken bones, digestive illnesses, dental trauma, genetic conditions, and congenital conditions, purchase Embrace’s Accident and Illness Plan, which covers exam fees, procedures, hospitalizations, prescription drugs, allergy testing, acupuncture, and physical therapy related to eligible conditions and incidents.

Embrace Coverage

You can also add preventative care coverage for flea medication, routine blood tests, microchipping, annual vet visits, medicated shampoos, and prescription diet foods up to $250, $450, or $650 per year with the optional Wellness Rewards for Routine Care Plan.

Embrace doesn’t cover preexisting conditions and requires a report from a vet examination 12 months prior or 14 days after the policy’s effective date.

Learn More: Embrace Pet Insurance Review

Fetch by The Dodo: Best Holistic Coverage

• Deductible Options: $250, $300, $500
• Annual Coverage Limit: $5,000, $10,000, or $15,000
• Reimbursement Choices: 70%, 80%, 90%

Fetch scored a 91.5 out of 100 in our national review of top pet insurance providers, standing out for its comprehensive holistic care coverage. It covers therapies, such as stem cell therapy, homeotherapy, acupuncture, and chiropractic care.

Fetch by The Dodo Highlights:

• Unlimited annual coverage cap option
• Up to $1,000 of behavioral therapy coverage
• Mobile app for filing claims and managing your policy

Fetch by The Dodo Plans

Fetch covers your pet’s accidents and illnesses that occur after 15 days of signing up for your policy. This means it pays for most treatments, procedures, vet visits, and other costs related to your pet’s conditions that are recommended by your vet, such as ultrasounds, rehabilitation, diagnostic tests, dental procedures, cancer treatments, hospitalization, surgery, and more.

Fetch by The Dodo Coverage

Fetch also covers instances where you need to board your pet while you’re in the hospital for more than four days, vacation cancellation fees if your plans change after your pet’s covered accident or illness, and advertising and reward money if your pet ever gets lost.

Learn More: Fetch by The Dodo Review

ASPCA Pet Health Insurance: Best for New Pet Owners

• Deductible Options: $100, $250, $500
• Annual Coverage Limit: $5,000, $10,000, $15,000, $20,000 and Unlimited
• Reimbursement Choices: 70%, 80%, 90%

Scoring an 89 out of 100, ASPCA Pet Health Insurance is an ideal choice for new pet owners, since it provides a local vet finder tool, resources on pet breeds and their common health issues, and coverage for microchip implantation.

ASPCA Highlights:

• Five customizable annual coverage limit options
• Lower prices in Florida compared with other providers
• Pet insurance provider comparison tool on its website

ASPCA Pet Health Insurance Plans and Coverage

ASPCA Pet Health Insurance offers two policies: the Accident-Only Plan and the Complete Coverage Plan.

The Accident-Only Plan is more affordable than the Complete Coverage Plan and covers injuries and other accidents like swallowed objects or cuts. The Complete Coverage Plan covers costs related to both accidents and illnesses, including hip dysplasia, hereditary conditions, chronic conditions, cancer, and more.

ASPCA Pet Health Insurance also offers preventative care options for your pet in the form of the Basic Plan and Prime Plan.

The Basic Plan costs $9.95 per month, and it comes with $250 of annual coverage for a few items like vaccines, a wellness exam, and a fecal test. The Prime Plan costs $24.95 per month, and it comes with $450 of annual coverage for everything covered under the Basic Plan in addition to a few other items such as spay or neutering, an extra vaccine, and flea or heartworm prevention.

Learn More: ASPCA Pet Insurance Review

Healthy Paws: Best Coverage Limit

• Deductible Options: Depends based on the Type and Age of the Pet
• Annual Coverage Limit: No Coverage Limit
• Reimbursement Choices: Depends based on the Type and Age of the Pet

Healthy Paws scored a 93.5 out of 100 in our national review and is typically ranked near the top of our recommendations, but we ranked it lower in this article since its pricing in Florida was significantly higher than competitors.

Healthy Paws Highlights:

• Great choice if you’re looking for a policy with no per-incident, annual, or lifetime limits
• While Healthy Paws pricing is high in Florida, coverage is still very comprehensive

Healthy Paws Plans

Healthy Paws sells one plan that includes coverage for both accidents and illnesses. This policy pays for vet bills from cancer treatments, diagnostics, surgery, X-rays, hospitalizations, ultrasounds, chronic conditions, congenital conditions, hereditary conditions, prescription medications, emergency care, specialty care, and alternative treatments.

Healthy Paws Coverage

This policy doesn’t cover preventive care, vaccinations, dental care, spaying or neutering, elective procedures, or any preexisting conditions before or during the 15-day waiting period. It also doesn’t cover hip dysplasia until after the first 12 months of the policy start date.

Learn More: Healthy Paws Pet Insurance Review

Prudent Pet: Most Comprehensive Plan

• Deductible Options: $100, $250, $500, $1,000
• Annual Coverage Limit: $10,000, Unlimited
• Reimbursement Choices: 70%, 80%, 90%

With a score of 95 out of 100, Prudent Pet is one of the top pet insurance providers in Florida for its comprehensive Ultimate Plan.

Ultimate Plan Highlights:

• Covers accidents & illnesses, plus unlimited annual benefit
• Features unique coverage for advertising and reward costs for lost pets, boarding fees, replacement costs for stolen animals, morality costs, and vacation cancellation fees

However, this provider doesn’t offer a wellness care add-on in Florida, so we recommend choosing another provider if you need preventive insurance coverage.

Prudent Pet Plans

Prudent pet’s Accident-Only Plan is its cheapest option, covering up to $10,000 per year for vet bills related to alternative therapies, bite wounds, broken bones, hospitalizations, medications, diagnostics, surgery, specialist care, and swallowed objects.

In addition to these items, the Essential Plan covers illnesses like cancer, gum disease, digestive illnesses, eye conditions, skin conditions, hip dysplasia, hereditary conditions, and urinary infections.

The Ultimate Plan is the most comprehensive option, covering everything in the Essential Plan, plus providing extra coverage for behavioral disorders, lost pet advertising, mortality costs, vacation cancellation fees, boarding fees, and the cost to replace your pet if it’s stolen or lost.

Prudent Pet Coverage

You can also add coverage to any plan for veterinary exam and consultation fees for an extra $5–$10 per month.

These plans don’t cover preexisting conditions that arise before enrollment or during the five-day waiting period for accidents or 14-day waiting period for illnesses, breeding costs, or cosmetic procedures.

Learn More: Prudent Pet Insurance Review

Figo: Best for Extra Coverage Add-Ons

• Deductible Options: Depends based on the Type and Age of the Pet
• Annual Coverage Limit: $5,000, $10,000 or unlimited
• Reimbursement Choices: 70%, 80%, 90%, 100%

We gave Figo a score of 93 out of 100 for its optional third-party liability coverage. Third-party liability coverage is insurance that protects you from being sued for damage your pet caused outside of your property, such as broken pickets on a neighbor’s fence that occurred as a result of your dog scratching at the fence or trying to dig underneath it.

Figo’s third-party liability insurance has an annual cap of $10,000. Additionally, Figo’s add-on options include reimbursements for lost-pet advertising and reward money and cremation and burial costs in the event of your pet’s death.

Figo Highlights:

• Reduces your deductible each year you do not file a claim
• Covers older dogs and cats regardless of their age
• Has a Pet Cloud app that can be used for virtual vet visits and to connect with other pet owners in your area

Figo Plans

Figo offers three plans that vary only in terms of annual coverage caps. The Essential Plan comes with a $5,000 limit while the Preferred Plan has a cap of $10,000. The third plan—Ultimate—does not have an annual limit, meaning you will be reimbursed for approved pet care costs regardless of the amount. Customers can choose from four deductible amounts: 70%, 80%, 90%, or 100%.

Figo Coverage

All three of Figo’s accident and illness plans cover vet bills associated with the diagnosis and treatment of illnesses and accidents. This includes testing, surgeries, and prescription medicines. Chronic and hereditary or congenital conditions are covered as long as they are not preexisting conditions.

While Figo does not provide any wellness coverage, the company’s optional Extra Care Pack pays up to $250 in burial costs should your four-legged family member pass away. It also provides reimbursement up to $150 for any advertising and associated reward you offer in the return of a lost or stolen pet.

Learn More: Figo Pet Insurance Review

Taking your furry friend to the vet can be a big hit to your wallet. Being prepared for accidents and illnesses can help prevent you from a major financial set back.

Easily compare the top pet health insurance plans in the Sunshine State:

*Based on sample quotes for a mixed four-year-old dog in Miami, Florida (33131 ZIP code)

Make sure you understand what pet insurance does and the types of coverage available before learning more about top providers in Florida. Below is a short video that explains the key concepts you need to know about pet insurance.

When shopping for pet insurance, price can be an important factor. Do you want the cheapest pet insurance or a policy that offers more? Here are some ballpark figures before you get a few quotes:

Based on the sample quotes we received for a variety of dog and cat breeds in a few different zip codes in Florida, standard accident and illness plans average around $30–$60 per month for dogs and $15–$30 per month for cats.

Here are a few factors that can affect monthly premiums and tips on how to decrease them:

• Breed: One of the biggest variables that will affect your pet insurance premium is the breed of your dog or cat. Some breeds, such as golden retrievers or poodles, are notoriously more expensive than smaller or mixed breeds due to their susceptibility to illnesses and injuries. If an insurance carrier deems a breed riskier than others, it will raise premiums to reflect that.
• Age: Older cats or dogs are more expensive to insure since they’re more likely to experience health issues. Purchasing insurance for your animal while it’s young is a great way to keep pricing low.
• Location: Based on our research, plans in densely populated areas like Miami or Tampa are more expensive than plans in areas like Jacksonville or Pensacola. This factor is based on each company’s analysis of veterinary pricing in the area. If your local vets cost more than other cities, your premiums will likely be higher.
• Customization: If you’re not happy with your quoted premium, you can customize it by lowering your annual limits and reimbursement percentages while raising your annual deductible. This gives pet owners the opportunity to only pay for what they need, but it can result in maxing out coverage during the policy term.
• Discounts: To lower your monthly premium, check for eligible discounts from each provider while shopping for your pet insurance policy. For example, Spot and Prudent Pet offer a 10% discount for each additional pet you add to your policy, and Embrace offers a 5% military discount to active duty members.

As with many states in the US, Florida has specific laws in regards to pets and pet ownership.

One of the most notable statewide pet laws is the Dangerous Dog law. Part of this law says the pet owner is responsible for injuries when the dog bites another person. This pertains to a person bitten in public or lawfully in a private location.

There are other local pet laws in Florida as well. Some of those include:

• It is considered to be “willfully negligent” for owners to allow animals to be off-leash in public areas in Clay County, Florida.
• Dogs cannot be tethered in extreme heat (nor should they be) in Miami-Dade County. They also cannot be tethered to other dogs.
• You can be fined if your dog is at least four months old and not vaccinated against rabies. You can also be fined if you fail to keep up with 12-month boosters.

As a pet parent in Florida, you can receive peace of mind that your furry friend gets the medical attention it needs after an unexpected incident with a pet insurance policy.

Whether Spot has your attention for its customizable plans or you want the flexibility Embrace’s deductible options provide, our recommendation to readers is to get quotes from a few different companies based on your location and pet’s information to compare offers.

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.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.