Updated Jan 26, 2023
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For most pets, it’s not a matter of if medical care is necessary; it’s a matter of when. Veterinary care can be expensive, so pet insurance is a popular way to offset the financial costs of owning a pet. After countless hours of careful research and comparison, we curated a list of the best pet insurance plans for Florida pet parents.
Are you looking for more details on the best pet insurance companies? Read more about this in our best pet insurance companies guide.
Here are the nine best pet insurance providers in the Sunshine State:
The table below gives a summary of each pet insurance company’s coverage. The estimated premiums below are based on an Orlando, Fla., ZIP code and comparing quotes for a medium-sized domestic short-haired cat and a large (70+ pounds) mixed-breed dog. Every quote in the table assumes you are starting the policy for a kitten or puppy. Your price may vary based on your coverage, plan, and your specific pet.
|Provider||Premiums||Deductible||Reimbursement Rates||Annual Limits||Coinsurance||BBB rating*|
|Lemonade||$14–$65 per month||$100, $250, $500||70%, 80% ,90%||$5,000–$100,000||30%, 20%, 10%||Not rated|
|Spot||$8–$23 per month||$100, $250, $500, $750, $1,000||70%, 80%, 90%||$2,500–unlimited||30%, 20%, 10%||A|
|Wagmo||$20–$59||$250, $500, or $1,000||90% or 100%||$5,000, $10,000, or unlimited||10% or 0%||B|
|Embrace||$17–$58 per month||$200, $300, $500, $750, $1,000||70%, 80%, 90%||$5,000–$30,000 (accident-and-illness), $5,000 (accident-only)||30%, 20%, 10%||A+|
|Healthy Paws||$24–$101 per month||$100, $250, $500, $750, $1,000||70%, 80%, can range from 50% to 90% (in some areas)||Unlimited||30%, 20%, can range from 50% to 10% (limited to certain areas)||A|
|Pawp||$24 per month||None||100% (up to annual limit)||$3,000||0%||Not Rated|
|Figo||$10–$50 per month||Varies based on pet age||70%, 80%, 90%, 100%||Unlimited||30%, 20%, 10%, 0%||B+|
|Fetch||$28–$48 per month||$250, $300, $500||70%, 80%,90%||$5,000–unlimited (available via phone)||30%, 20%, 10%||A+|
|Trupanion||$12–$118 per month||$0–$1,000||90%||Unlimited||10%||Not Rated|
* Better Business Bureau (BBB) ratings are accurate as of December 2022.
If you want the best overall pet insurance coverage, Lemonade is an excellent choice. Pet parents can take advantage of the affordable rates and excellent coverage, which relieves potential stress associated with steep monthly premiums. You can also bundle your Lemonade pet insurance with your homeowner’s insurance (or other insurance plans) for an extra 10% off.
People who choose Lemonade for their pet’s insurance policy can pick one of three insurance plans. The base plan encompasses accident-and-illness-related expenses, such as urinary tract infections, lacerations, broken bones, and arthritis.
Along with its single main plan for accidents and illnesses, Lemonade offers a few add-ons alongside the contents of the base package. This plan covers illnesses, emergencies, and accidents. It excludes spaying, neutering, grooming, dental care, anal gland expression, microchipping, and cosmetic procedures.
The main plan covers the following treatments/care:
You can also choose from the below optional add-ons:
Lemonade’s costs vary depending on the plan, coverage, and existing conditions your cat or dog has. However, the average cost is usually between $14 and $65. For example, let’s compare two quotes. For a 3-year-old German Shepard in Florida, the monthly cost of Lemonade pet insurance is $45.01. For a 3-year-old Persian cat, Lemonade’s monthly cost is $19.98 for cat insurance.
Get a quote: Head over to Lemonade’s website for a free quote to see if they have the coverage you need.
Every pet and pet owner has different insurance needs. For many, the ability to customize is a cornerstone of a good pet insurance policy. Spot provides an array of flex options — and free quotes.
It has seven plans, with annual coverage limits ranging from $2,500 on the low end to unlimited coverage on the high end. People can also opt for accident-only coverage, which is ideal for those seeking emergency coverage.
The foundation of the seven policies are three basic ones: accident-and-illness, accident-only, and preventative care. The accident-and-illness plan includes treatment, procedures, and care for accidents and illnesses. Services for the accident-only plan are related to accidents, such as lacerations and broken bones.
Lastly, the preventative care package offers wellness-related services, which pet owners can add to either standard package.
Spot’s pet insurance coverage varies depending on your pet’s age, breed, and any conditions it has. For a 3-year-old German shepherd, Spot Accident+Illness coverage costs $22.65 per month, and the Accident Only plan costs $13.09. On the other hand, the Accident+Illness coverage and Accident Only plans cost $15.57 and $8.23 for a 3-year-old Persian cat.
Get a quote: To compare Spot’s pet insurance with other providers, visit its website for a quote.
Wagmo is a leading provider for pet parents seeking wellness coverage for their cats and dogs. The company’s primary plan is a wellness-only policy with coverage for vaccines, routine checkups, dental cleanings, and more. Within the wellness plan, you can opt for three different tiers value, classic, and deluxe. This stand-alone wellness coverage sets Wagmo apart from other pet insurance providers in Florida, focusing mostly on accident-and-illness coverage.
Although Wagmo focuses on its wellness coverage, it offers traditional accident-and-illness plans. However, this pet insurance isn’t available in Florida yet. Wagmo’s website says it will be available soon. In the meantime, you will have to go with another pet insurance company if you want accident-and-illness coverage in Florida.
Wagmo has two base-level plans—a Wellness Plan and the Accident and Illness Plan. However, Florida residents only have access to the Wellness Plan. According to the Wagmo website, “Insurance is coming soon to Florida!” and will start at $13 per month.
The wellness plan covers examination and diagnostic testing fees, heartworm medication, preventative treatment for ticks and fleas, routine vet visit fees, several vaccinations, and dental care.
Here is what each plan level covers annually:
|Value Plan||1 routine exam2 vaccines1 router blood work1 fecal test|
|Classic Plan||1 routine exam3 vaccines1 router blood work1 fecal test$100 towards flea, tick, and heartworm prevention$100 towards grooming|
|Deluxe Plan||2 routine exams4 vaccines1 router blood work1 fecal test$200 towards flea, tick, and heartworm prevention$200 towards grooming$100 towards dental care24 VETalk chats|
Wagmo’s pricing depends on the Wellness Plan level you chose and the specifics of your pet. For example, a 3-year-old German shepherd dog costs $20/month for the Value plan, $36/month for the Classic plan, and $59/month for the Deluxe plan. For a 3-year-old Persian cat, the costs are the same.
Get a quote: Compare Wagmo to other pet insurance companies near you by getting a free quote from its website.
Embrace pet insurance offers multiple discounts to help pet owners cut costs (without sacrificing coverage). Pet parents can take advantage of discounts for serving in the military, adding multiple pets, or working as an employee. Embrace also offers the Healthy Pet Deductible, which awards credits to your account every year you don’t file a claim.
Embrace offers two plans: one for accidents and illnesses and the other for wellness. Like most accident-and-illness plans, Embrace’s policy covers the basics: dental trauma, allergies, cancer treatments, genetic conditions, and much more.
In the wellness plan, pet owners receive coverage for regular pet care, such as spay and neuter surgeries, vaccines, grooming, and dental cleanings. Reimbursement amounts can range as high as 100%, although the specific coverage depends on your policy.
Embrace’s pet insurance policy has many options. You can choose your annual reimbursement limit, annual deductible, and reimbursement percentage. Your monthly premium is the lowest if you choose the minimum amount for each option.
For example, for a 3-year-old German shepherd, the monthly premiums range from $28.17 (with a $5,000 annual reimbursement limit, $1,000 annual deductible, and 70% reimbursement percentage) to $99.45 (with a $30,000 annual reimbursement limit, $200 annual deductible, and 90% reimbursement percentage)
Get a quote: If Embrace sounds like the best pet insurer for your pet, visit the company’s website to obtain a free quote.
For some pet parents, unlimited insurance coverage is essential. Healthy Paws is an excellent choice for these scenarios, as its unlimited coverage plans are more affordable than similar policies from other providers. These plans offer exceptional pet coverage at a reasonable monthly cost, so if unlimited coverage is a selling point for you, Healthy Paws might be a suitable fit!
Healthy Paws provides one plan, which covers accident-and-illness-related expenses, such as emergency care, treatments, surgeries, and other similar costs. Coverage excludes exam costs, preventative care, and pre-existing conditions.
However, while coverage excludes a few sectors, it comes without lifetime, per-incident, or annual caps on coverage. Deductibles, coinsurance, and reimbursement rates can vary, and some locations have exclusions.
Healthy Paws insurance price varies depending on the type of pet and its age. For a 3-year-old German Shepard, the monthly premium is $63.74. On the other hand, insurance for a 3-year-old Persian cat is $41.98 per month.
Get a quote: Go to the Healthy Paws website for a free quote to see how it compares to the other pet insurance companies in Florida.
For many pet parents, the financial burden of ownership stems from abrupt and expensive life-threatening emergencies. If your pet needs life-saving surgery, costs can escalate into the thousands, becoming a major financial obstacle.
This is where Pawp comes in. Pawp offers “memberships” to cover these emergencies (up to $3,000 annually) to provide peace of mind. While this coverage doesn’t work for owners seeking help with traditional vet costs and everyday pet healthcare, Pawp memberships are the perfect choice for those seeking financial help strictly for emergencies.
Unlike traditional types of pet insurance, where pet parents have access to various insurance policies, Pawp solely offers emergency coverage. The flat monthly rate of $24 covers up to six pets in one household, offering $3,000 of coverage on one emergency per year.
To access the emergency fund, pet owners must present their pets to Pawp’s veterinarians via the digital clinic. Once the veterinarian deems the emergency as life-threatening and confirms the pet needs immediate treatment, owners must visit the vet within four hours.
No matter what type of dog or cat you have, Pawp’s monthly premium is always the same—$24 per month.
Get a quote: Pawp’s policy is a flat rate—$24 per month—so no quotes are necessary. You can go to Pawp’s website for more information and sign up for coverage.
Figo recognizes the need for rapid reimbursement turnaround times, as paying out of pocket can be unfeasible for many pet parents, especially when contending with other daily costs. The company prioritizes speedy turnaround times, ensuring you receive reimbursement sooner. And, unlike other pet insurers, your Figo coverage for accidents begins one day after enrollment (14 days for accidents).
With Figo, choosing a coverage package is a straightforward process. There are three levels to choose from:
The difference between each option? The cap on coverage: higher costs equal more coverage. Essential packages offer base-level limits, while Ultimate packages provide the highest annual limits.
Each package covers illness and injury-related services, including diagnostic testing, surgeries, prescriptions, and more. On top of the base plans, pet parents can add a wellness plan (Basic or Plus), which adds additional coverage for exams, spays and neuters, and vaccines. If you add a wellness plan to your insurance package, expect to pay more in premiums.
Figo pet insurance monthly premiums vary depending on the age and breed of your cat and dog, along with the annual coverage limits, reimbursement percentage, and deductible (which you choose).
For example, depending on the plan and coverage limits you choose, a 3-year-old German shepherd dog’s monthly premium ranges from $22.79 to $111.36. On the flip side, the monthly premiums to cover a 3-year-old Persian cat range from $10.58 to $51.74.
Get a quote: Go to Figo’s website to get a quote and compare it to other pet insurance companies.
For some pets, therapy to correct behavioral issues is the difference between a peaceful life and chaotic one. Getting therapy can be life-changing for your pet and your family, enriching the pet’s life and bolstering the pet/owner relationship. Fetch understands the need for therapy coverage in a well-rounded insurance plan, so pet parents can proceed with peace of mind knowing their pet’s therapy treatments are covered.
Like most insurance providers, Fetch only offers a base or standard plan, covering general injuries and sickness costs. This plan covers diagnostic testing, exam fees, alternative treatments, therapy, acupuncture, arthritis care, cancer treatments, chiropractic care, prescription medications, and more.
Although Fetch doesn’t offer wellness-only plans, pet parents can incorporate a wellness add-on that covers annual checkups, grooming, spay and neuter surgeries, and other similar wellness-related services. Fetch excludes all pre-existing coverage from its plans.
For a 3-year-old German Shepard, Fetch’s insurance plan costs $53.10 per month. Similarly, a 3-year-old Persian cat costs $27.62 per month to insure. For both quotes, the max annual payout is $5,000, the annual deductible is $300, and the reimbursement percentage is 80%.
Get a quote: You can quickly get a quote on Fetch’s website to compare to other providers.
Every pet parent’s scenario is different. Some want affordability, others want unlimited coverage, and some prioritize flexibility. Trupanion understands the need for flexibility and offers a comprehensive insurance package free of limits.
Pet parents can choose a deductible that works for them, starting at $250 and extending to $1,000. Deductibles are available in $50 increments, increasing the affordability of this plan.
Trupanion’s coverage package is one comprehensive plan, offering accident-and-illness protection with 90% reimbursement rates and no annual cap. Unfortunately, Trupanion doesn’t offer wellness add-ons, so it’s not the best choice for basic coverage.
However, Trupanion offers two additional packages. The Recovery and Complementary Care rider package helps with nonclinical treatments (holistic care, behavior modification, etc.). And the Pet Ownership Assistance aids with incidents unrelated to injury or illness (boarding fees, cremation, etc.).
American Pet Insurance Company underwrites Trupanion’s pet insurance in Florida. For a 3-year-old German shepherd dog, the monthly premium cost ranges from $89.11 for a 70% payout to $232.04 for a 100% payout. For cats, the monthly premiums are lower, ranging from $30.67 for a 70% payout to $79.86 for a 100% payout.
Get a quote: To get a quote to compare to other pet insurance policies, visit the Trupanion website.
As you browse for the right pet insurance provider, look at a few critical factors that determine the value of your policy and its cost. Among them:
Read the fine print on any policy you’re considering. Pay attention to coverage exclusions, coverage limits, age limits, waiting periods, annual deductibles, multi-pet discounts, enrollment terms, and rules about pre-existing conditions.
Here are some pet laws in major Florida cities to be mindful of. If your city isn’t listed, look online for the ordinances that apply to you.
Like most cities, Jacksonville, Fla., has its own pet laws that pet parents must abide by. These laws include:
Pet owners in Miami must follow Miami’s pet laws. Among them:
In Tallahassee, Fla., pet parents must abide by the city’s pet laws. Among the laws:
Tampa, Fla., outlines specific pet laws for pet parents within the city. These laws include:
While each pet insurance provider brings something to the table, some are likely more suitable for your needs than others. For instance, Fetch or Healthy Paws might be the right pick if you want unlimited coverage. If affordability is essential, Lemonade or Embrace might work best. Ultimately, it’s up to you to evaluate and decide.
On average, pet insurance in Florida costs between $20 and $100. For dogs, the average monthly premium is about $40. The price is lower for cats, about $21 per month. Premiums vary based on your pet’s age, species, health, and other factors.
Accidents and emergencies happen, and almost every pet experiences them at some point. The vet bill accompanying them can be staggering when these situations occur, often climbing into the thousands.
With an insurance policy, you won’t have to pay the entire cost out of pocket. Instead, you can pay your deductible and let the insurance provider handle the rest (providing the situation falls under the scope of coverage).
For the most part, pet insurance providers require a monthly premium. This payment varies in cost based on the specifics surrounding your pet and policy but is typically due each month. If you need to use your pet insurance to cover a veterinary bill, you might need to pay a deductible, although this depends on the policy.
Pet insurance in Florida is about average based on quotes we received from various providers for several U.S. states.
House Method’s editorial team behind our pet insurance content is committed to providing research-backed, unbiased, and actionable advice for anyone considering a pet healthcare plan. To do so, we rely on our proprietary composite rating system, which appraises each featured insurer based on its independent performance in eight overarching categories.
Supporting evidence behind each score assigned is solely leveraged from verified data sources, including but not limited to insurers’ public-facing websites, state and national regulator indexes, credit rating agencies, verified consumer review platforms, and more.
Each pet insurance provider has the potential to achieve an aggregated maximum value of 10 points across the eight main scoring categories and its 34 more granular subcategories. After passing through the full rating system, a provider’s total score is translated into a star rating, including full and half-star increments between 1 and 5.
All reviews of pet insurance providers and related products published on House Method consider the following eight primary data points, accompanied by the maximum points possible for each:
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