Home > Pet Insurance > Best Pet Insurance in Florida: Reviews, Cost, and Coverage (2023)

Best Pet Insurance in Florida: Reviews, Cost, and Coverage (2023)

Updated Jan 26, 2023

Updated Jan 26, 2023

Home > Pet Insurance > Best Pet Insurance in Florida: Reviews, Cost, and Coverage (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.

9 Best Pet Insurance Companies in Florida

Here are the nine best pet insurance providers in the Sunshine State:

  • Lemonade: Best Overall
  • Spot: Most Customizable
  • Wagmo: Best for Basic Wellness Coverage
  • Embrace: Most Affordable
  • Healthy Paws: Best for Affordable Unlimited Coverage
  • Pawp: Best for Multi-Pet Enrollment
  • Figo: Shortest Waiting Period
  • Fetch: Best for Vet Therapy Coverage
  • Trupanion: Most Flexible Deductibles

Compare Pet Insurance in Florida

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.

ProviderPremiumsDeductibleReimbursement RatesAnnual LimitsCoinsuranceBBB rating*
Lemonade$14–$65 per month$100, $250, $50070%, 80% ,90%$5,000–$100,00030%, 20%, 10%Not rated
Spot$8–$23 per month$100, $250, $500, $750, $1,00070%, 80%, 90%$2,500–unlimited30%, 20%, 10%A
Wagmo$20–$59$250, $500, or $1,00090% or 100%$5,000, $10,000, or unlimited10% or 0%B
Embrace$17–$58 per month$200, $300, $500, $750, $1,00070%, 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, $1,00070%, 80%, can range from 50% to 90% (in some areas)Unlimited30%, 20%, can range from 50% to 10% (limited to certain areas)A
Pawp$24 per monthNone100% (up to annual limit)$3,0000%Not Rated
Figo$10–$50 per monthVaries based on pet age70%, 80%, 90%, 100%Unlimited30%, 20%, 10%, 0%B+
Fetch$28–$48 per month$250, $300, $50070%, 80%,90%$5,000–unlimited (available via phone)30%, 20%, 10%A+
Trupanion$12–$118 per month$0–$1,00090%Unlimited10%Not Rated

* Better Business Bureau (BBB) ratings are accurate as of December 2022.

Lemonade: Best Overall

Best Overall
Lemonade
  • Competitively affordable monthly premiums
  • Only a 48-hour waiting period for injuries
  • Offers speciality plan types for puppies and kittens

Why We Chose Lemonade Pet Insurance

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.

Pros and Cons of Lemonade Pet Insurance

Pros

  • Preventative care specific to puppies and kittens available
  • Provides affordable premiums on accident-and-illness packages
  • Rapid accident coverage turnaround times

Cons

  • Coverage is unavailable for senior pets (14 years and older)
  • Plans exclude behavioral treatment coverage

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:

  • Allergies
  • Arthritis
  • Cancer treatments
  • GI issues, including poisoning
  • Heart disease
  • Hereditary conditions
  • Hip and elbow dysplasia
  • Orthopedic issues, including broken bones, torn ligaments, and sprains

You can also choose from the below optional add-ons:

  • Routine blood work
  • Tests for heartworm and other parasites
  • Vaccines
  • Wellness exams
  • Wellness exams specifically for puppies and kittens

Lemonade Pet Insurance Cost

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.

  • Average monthly premiums: $14 to $65
  • Annual limits: $5,000 to $100,000
  • Coinsurance: 10%, 20%, 30%
  • Deductible: $100, $250, $500.
  • Reimbursement rates: 70%, 80%, and 90%.

Learn more: Lemonade pet insurance review

Get a quote: Head over to Lemonade’s website for a free quote to see if they have the coverage you need.

Spot: Most Customizable

Most Customizable
Spot
  • Offers a 10% multi-pet discount
  • No upper age restrictions
  • Covers prescription pet foods and behavioral therapy

Why We Chose Spot Pet Insurance

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.

Pros and Cons of Spot Pet Insurance

Pros

  • Customizable deductibles, limits, and reimbursement rates
  • Customizable deductibles, limits, and reimbursement rates
  • Wellness package available as a stand-alone or add-on

Cons

  • Coverage excludes prescription food
  • Customer service is only available on weekdays

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 Pet Insurance Cost

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.

  • Average monthly premiums: $8 to $23
  • Annual limits: $2,500 to unlimited
  • Coinsurance: 10%, 20%, 30%
  • Deductible: $100, $250, $500, $750, $1,000
  • Reimbursement rates: 70%, 80%, 90%

Get a quote: To compare Spot’s pet insurance with other providers, visit its website for a quote.

Wagmo: Best for Basic Wellness Coverage

Best Basic Wellness Coverage
Wagmo
  • Has standalone wellness plans available
  • Quick claim reimbursement turnaround time
  • No upper age limits

Why We Chose Wagmo Pet Insurance

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.

Pros and Cons of Wagmo Pet Insurance

Pros

  • Covers routine preventative care
  • Stand-alone wellness plans

Cons

  • More expensive than average
  • No insurance coverage available 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 Plan1 routine exam2 vaccines1 router blood work1 fecal test
Classic Plan1 routine exam3 vaccines1 router blood work1 fecal test$100 towards flea, tick, and heartworm prevention$100 towards grooming
Deluxe Plan2 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 Pet Insurance Cost

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.

  • Average monthly premiums: Value: $20, Classic: $36, Deluxe: $59
  • Annual limits: N/A – Only Wellness plans are offered in Florida at this time.
  • Coinsurance: N/A – Only Wellness plans are offered in Florida at this time.
  • Deductible: N/A – Only Wellness plans are offered in Florida at this time.
  • Reimbursement rates: N/A – Only Wellness plans are offered in Florida at this time.

Get a quote: Compare Wagmo to other pet insurance companies near you by getting a free quote from its website.

Embrace: Most Affordable

Most Affordable
Embrace
  • Deductible diminishes by $50 for each year you don’t file a claim
  • Short two-day waiting period for injuries
  • Cheaper than average accident-illness coverage

Why We Chose Embrace Pet Insurance

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.

Pros and Cons of Embrace Pet Insurance

Pros

  • Multiple deductible options
  • Offers a plan specific to wellness-related services and routine care
  • Wide array of discounts available (military, multi-pet, etc.)

Cons

  • Coverage excludes ligament tears (when previously diagnosed on the other side).
  • Policies withhold coverage on supplements and prescription foods.

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 Pet Insurance Cost

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)

  • Average monthly premiums: $17 to $58
  • Annual limits: For an accident-and-illness policy, the cap is between $5,000 and $30,000. For an accident-only policy, the annual limit is $5,000.
  • Coinsurance: 10%, 20%, 30%
  • Deductible: $200, $300, $500, $750, $1,000
  • Reimbursement rates: 70%, 80%, 90%

Get a quote: If Embrace sounds like the best pet insurer for your pet, visit the company’s website to obtain a free quote.

Healthy Paws: Best for Affordable Unlimited Coverage

Best Unlimited Annual Coverage
Healthy Paws
  • All plan levels include unlimited annual and lifetime coverage
  • Offers direct vet payment options
  • Includes a 30-day money-back guarantee

Why We Chose Healthy Paws Pet Insurance

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!

Pros and Cons of Healthy Paws Pet Insurance

Pros

  • 30-day money-back guarantee
  • Unlimited coverage is more affordable than similar policies from other providers
  • Wide deductible selection

Cons

  • Limited coverage for pets with hip dysplasia
  • Lower reimbursements for older pets

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 Pet Insurance Cost

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.

  • Average monthly premiums: $24 to $101
  • Annual limits: Unlimited
  • Coinsurance: 10% to 50%
  • Deductible: $100, $250, $500, $750, $1,000
  • Reimbursement rates: 50% to 90%, depending on location, type of pet, and policy choice

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.

Pawp: Best for Multi-Pet Enrollment

Best for Multi-Pet Enrollment
Pawp
  • Up to six pets can be covered under one policy
  • Uses direct vet payment rather than reimbursements
  • All premiums are a flat-rate

Why We Chose Pawp Pet Insurance

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.

Pros and Cons of Pawp Pet Insurance

Pros

  • Direct payments to vet clinic, no reimbursements or co-pays necessary
  • Offers 24/7 access to veterinarians via a digital clinic
  • One membership covers up to six pets in one household

Cons

  • Capped at $3,000 per year
  • Doesn’t offer traditional pet insurance options

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.

Pawp Pet Insurance Cost

No matter what type of dog or cat you have, Pawp’s monthly premium is always the same—$24 per month.

  • Average monthly premiums: $24
  • Annual limits: $3,000
  • Coinsurance: None
  • Deductible: None
  • Reimbursement rates: 100% up to annual limit

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: Shortest Waiting Period

Shortest Waiting Periods
Figo
  • Offers a 100% reimbursement option
  • Has a one-day waiting period for injuries
  • Includes coverage for curable pre-existing conditions

Why We Chose Figo Pet Insurance

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).

Pros and Cons of Figo Pet Insurance

Pros

  • Coverage is available for all pets older than 8 weeks, even older pets
  • Offers two levels of wellness package add-ons
  • Rapid reimbursement turnaround times

Cons

  • Coverage excludes pets younger than 8 weeks
  • Plans exclude preventative care

With Figo, choosing a coverage package is a straightforward process. There are three levels to choose from:

  • Essential
  • Preferred
  • Ultimate

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 Cost

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.

  • Average Monthly Premiums: $10 to $50, depending on your pet and insurance package
  • Annual Limits: Unlimited
  • Coinsurance: 0%, 10%, 20%, or 30%.
  • Deductible: Figo deductibles vary based on the pet’s age.
  • Reimbursement Rates: 70%, 80%, 90%, or 100%

Get a quote: Go to Figo’s website to get a quote and compare it to other pet insurance companies.

Fetch: Best for Vet Therapy Coverage

Best for Vet Therapy Coverage
Fetch
  • Standard coverage includes behavioral therapy and speciality treatments
  • No enrollment or cancellation fees
  • Includes vet exam fees

Why We Chose Fetch Pet Insurance

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.

Pros and Cons of Fetch Pet Insurance

Pros

  • Use any veterinarian in the U.S. or Canada.
  • Rated 'Excellent' on Trustpilot.
  • No enrollment fee, cancel anytime

Cons

  • Plans exclude flea and tick prevention, vaccines, preventative care, and prescription foods
  • Wellness and accident-only plans are unavailable

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.

Fetch Pet Insurance Cost

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%.

  • Average Monthly premiums: $28 to $48 per month, depending on the pet and insurance package
  • Annual limits: $5,000 to unlimited
  • Coinsurance: 10%, 20%, 30%
  • Deductible: $250, $300, or $500
  • Reimbursement rates: 70%, 80%, and 90%

Get a quote: You can quickly get a quote on Fetch’s website to compare to other providers.

Trupanion: Most Flexible Deductibles

Most Flexible Deductibles
Trupanion
  • Has lifetime per-condition deductibles vs. paying each year
  • Offers a $0 deductible option
  • Automatic unlimited annual coverage

Why We Chose Trupanion Pet Insurance

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.

Pros and Cons of Trupanion Pet Insurance

Pros

  • Available add-ons for nonclinical treatments and incidents separate from injury or illness
  • Flexible deductibles
  • No annual limits (unlimited coverage)

Cons

  • Plans exclude exam expenses
  • Wellness add-ons are unavailable

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.).

Trupanion Pet Insurance Cost

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.

  • Average Monthly Premiums: $12 to $118, depending on pet and policy
  • Annual limits: Unlimited
  • Coinsurance: 10%
  • Deductible: $0 to $1,000
  • Reimbursement rates: 90%

Get a quote: To get a quote to compare to other pet insurance policies, visit the Trupanion website.

Video Credit: Courtesy of Lemonade

What To Look For in Pet Health Insurance

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:

  • Coverage: Who wants a pet insurance policy that excludes the most critical care coverage? We don’t. So as you cull through the list of insurers and their policies, pay close attention to what their plans cover—and what they don’t. Some providers have extensive package options, but each excludes vital coverage components. Some companies offer one or two packages that cover all bases. The breadth of coverage usually has a direct impact on price.
  • Coverage limits: Besides the type of care the pet insurance policy covers, the coverage limits are important, too. Some pet insurance companies have annual coverage limits, while others have lifetime coverage limits. Additionally, some companies may also have a per-condition limit.
  • Customer reviews: When most of us shop for nearly any product or service, we check customer reviews. If the reviews show many unhappy customers, we probably don’t want to buy the product or service. Before selecting a pet insurance provider, read the company’s customer reviews. This will shed light on how the company handles conflict, claims, and other scenarios you may encounter throughout the process.
  • Customization: Some pet insurance companies like to offer flexibility and customization. You’ll recognize this by the number of optional add-ons they have and by whether they permit customers to negotiate coverage levels, deductible levels, and even reimbursement percentages. Flexibility often means lower costs because you don’t have to pay for coverage you don’t want or need.
  • Deductibles: The deductible is how much you pay out of pocket before your pet insurance company starts covering treatments and care. Generally, plans with high deductibles cost less per month, while plans with high monthly premiums have lower deductibles. Keep your budget in mind and how much you anticipate paying for pet health care.
  • Premiums: The premium is how much you pay for the pet insurance coverage per month. For the most part, the more expensive the coverage is, the more the pet insurance covers (and the lower your deductible). However, not all pet insurance plans are equal. So be sure to weigh the monthly premium against what it covers, the deductible, and any exclusions.
  • Reimbursement and Coinsurance: Most pet insurance policies don’t pay 100% of every vet bill, even for treatments and procedures they cover. Instead, you receive partial compensation for your provider after you pay the bill (the reimbursement rate is defined in your contract). For example, if your pet insurance provider covers 75% of vaccinations and your vet bill comes to $100, you will pay $25, and your pet insurance will pay $75 (or 75%).

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.

A white cat sitting on black chair
Image Credit: Pexels

Florida Pet Laws

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.

Jacksonville Pet Laws

Like most cities, Jacksonville, Fla., has its own pet laws that pet parents must abide by. These laws include:

  • All dogs and cats of 4 months of age and older must have the rabies vaccine.
  • Dogs in public places must be on a leash.
  • Owners may take their dogs on the beach from October 1 through March 31 but cannot take them to the beach at any other point in the year.
  • Pet owners must have a city license tag for their cat or dog.

Miami Pet Laws

Pet owners in Miami must follow Miami’s pet laws. Among them:

  • Owners cannot tether or chain their dogs if they aren’t present.
  • Dogs and cats above the age of 4 months must have the rabies vaccine and follow-up boosters as directed by the vaccine manufacturer.
  • Owners must keep their dogs on a leash in public areas.
  • Owners must register their dogs and keep a tag on them at all times.

Tallahassee Pet Laws

In Tallahassee, Fla., pet parents must abide by the city’s pet laws. Among the laws:

  • All cats and dogs older than four months of age must be up-to-date on rabies vaccinations.
  • Owners cannot tether their pets in a way that it has access to public property or another’s property without the consent of the property owner.
  • Pets must remain on a leash in public spaces.

Tampa Pet Laws

Tampa, Fla., outlines specific pet laws for pet parents within the city. These laws include:

  • Owners cannot tether their dogs unless they are present.
  • Dogs and cats older than 4 months of age must be up-to-date on their rabies vaccination.
  • Owners must license all pets older than four months and renew the license regularly.
  • Pets must be kept on a leash in public spaces.

Final Thoughts

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.

Florida Pet Insurance FAQs

How much does pet insurance cost in Florida?

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.

Is pet insurance worth it?

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).

Is pet insurance paid monthly or yearly?

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.

Is pet insurance cheaper in Florida?

Pet insurance in Florida is about average based on quotes we received from various providers for several U.S. states.

Pet Insurance Ranking and Review Methodology

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:

  • Coverage (2.0): This category evaluates the breadth and customizability of policy options offered to pet owners. We focused on available base plan variations—specifically the inclusion of accident-only, accident-and-illness, or both—as well as preventative care coverage and elective wellness add-ons.
  • Standout Inclusions (1.0): We awarded more points to providers who considered certain veterinary services, such as behavioral therapy and holistic treatment options, as standard inclusions rather than listing them as an add-on. Points were withheld from providers that charged extra for similar services.
  • Monthly Premiums (2.0): Ratings in this category are defined by where a pet insurance provider’s monthly rates fall relative to the industry average premium of $49 per month for dogs and $29 for cats. Companies that kept lower-than-average pricing scored higher than those that exceeded it.
  • Annual Coverage Limits (1.0): Coverage limits, also sometimes called payout maximums, define the total maximum claim amount a policyholder can file per year. Some companies also enforce lifetime limits. Providers who offered an unlimited annual coverage option scored highest in this category. From there, the narrower the maximum limit offered, the lower each carrier scored.
  • Deductibles (0.5): This category considers the range of deductible amounts offered by providers. Companies with four or more deductible options received more points than those with three or fewer. We also made a note of whether deductible options were annual or per-incident.
  • Discounts (1.0): Companies with ample savings opportunities for new joiners and renewing members received favorable ratings in this scoring category.
  • Waiting Periods (0.5): While all pet insurance providers have waiting periods, some are more stringent than others. Those with shorter waiting periods for accidents and/or illness naturally scored higher. Points were deducted from providers with lengthy wait times for chronic or orthopedic conditions.
  • Customer Service (2.0): This section considers overall consumer experience, ease of communication with company representatives, and general accessibility. Our highest ratings were given to providers with 24/7 customer care, mobile app availability, an instant online quote feature, and a hassle-free claims submission process.

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