Best Pet Insurance in Florida (FL) in 2024
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.
We 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. Throughout our research we found that Spot is the pet insurance option in Florida with it’s unlimited coverage option and reasonable pricing.
How Do Florida 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 | ||
$20.76 | $18.47 | 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 | ||
N/A | N/A | VISIT SITE |
Florida’s Best Pet Insurance Providers
Here are the top providers of pet insurance for Floridians:
Learn More: Spot Pet Insurance Review
Learn More: ASPCA Pet Insurance Review
Learn More: Embrace Pet Insurance Review
Learn More: Healthy Paws Pet Insurance Review
Learn More: Fetch Pet Insurance Review
Learn More: Figo Pet Insurance Review
Learn More: Prudent Pet Insurance Review
How Much Does Pet Insurance Cost in Florida?
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.
What Is Pet Insurance?
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.
What Are Common Pet Laws in Florida?
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.
Is Florida Pet Insurace Worth It?
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.
FAQs About Florida Pet Insurance
Is pet insurance expensive in Florida?
Compared with other states, many of the pet insurance companies in Florida offer affordable and inexpensive plans for pet owners all across the Sunshine State. Purchasing a policy can be worth the monthly premium, since it can ultimately save you thousands of dollars when your pet unexpectedly gets injured or comes down with an illness.
Do most vets in Florida take pet insurance?
While pet insurance works differently than health insurance for humans, your insurer should be able to reimburse you for qualifying vet bills no matter where you go. Many companies specify that you see official licensed veterinarians, but there typically isn’t a dedicated provider network like there is with health insurance.
Rather than paying for your vet bill at the clinic, your pet insurance provider will reimburse you up to your agreed reimbursement rate after you file a claim and have already paid the vet bill.
Does pet insurance in Florida cover pre-existing conditions?
Unfortunately, pet insurance companies don’t cover pre-existing conditions, which can be defined as any condition noticed by you or a vet before the effective start date of your policy or the dedicated waiting period. This means you can’t purchase coverage for an injury that has already occurred.
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.