6 Best Pet Insurance In Florida For Dogs and Cats

Best Pet Insurance In Florida.

Because pet insurance is so popular, it seems like a new firm opens up daily.

You might be confused about which insurer best suits your pet’s needs.

Pets in Florida may be particularly vulnerable to threats including illness from contact with deadly animals or injury from severe weather.

Here’s how to locate the best pet insurance in Florida for your furry companion if you reside in the Sunshine State.

6 Best Pet Insurance In Florida

6 Best Pet Insurance In Florida


The 6 best pet insurance providers in Florida are listed below:

  1. Embrace.
  2. Pets Best.
  3. Healthy Paws.
  4. Lemonade.
  5. Figo.
  6. Fetch.
  • Embrace

The only pet insurance provider with a decreasing deductible that we have rated is Embrace.

You will receive a $50 reduction in your deductible for each year you do not file a claim.

This implies that you might lower your deductible to $0 without having an impact on your rates if you have a $100 deductible and go two years without filing a claim.

Embrace pet insurance plans are more expensive than the average prices of the companies we looked at.

But unlike many of its rivals, Embrace offers more sophisticated treatments, like prosthetic equipment and rehabilitative rehabilitation services.


  1. Reducing deductible.
  2. Coverage for veterinary examinations associated with a covered injury or illness.
  3. Coverage for medications and other therapies recommended by a veterinarian to address behavioral concerns.
  4. Coverage for alternative treatments such as acupuncture, hydrotherapy, and physiotherapy.
  5. Coverage includes up to $1,000 annually for treatments related to dental diseases or injuries.


  1. It may require 10 to 15 days for claims to be processed.
  2. Enrollment necessitates a physical examination.
  3. Orthopedic conditions require a waiting period of six months.
  4. Two-week waiting period for illnesses.
  • Pets Best

You can benefit from direct veterinarian payments with Pets Best insurance policies, eliminating the need to submit a claim and wait for reimbursement.

This is an add-on for your pet insurance policy.

Your veterinarian will be paid for by the Pets Best insurance company if you file a direct payment release form with them.

The remaining amount is all you owe your veterinarian.


  1. There is no maximum age restriction for enrollment.
  2. Wide variety of deductibles.
  3. Certain Pets Best benefit plans offer direct veterinary payments.


  1. Orthopedic conditions require a waiting period of six months.
  2. Full coverage may not be available for certain pets with health issues.
  3. Fees for processing if payment is made monthly.
  • Healthy Paws

According to my investigation, Healthy Paws has some of the most affordable monthly pet insurance prices.

You will need to explore elsewhere for a pet insurance policy that would cover regular expenses as the insurer does not offer a wellness plan.


  1. Options for annual coverage without limits.
  2. Inexpensive pet insurance choices are available in Florida.
  3. 24/7 hotline for pet emergencies.


  1. The wellness plan is not accessible.
  2. If your pet is enrolled before turning six, there’s a six-month waiting period for hip dysplasia coverage.
  • Lemonade

Some of the fastest claim response and payment times in the industry are provided by Lemonade pet insurance plans.

Most pet owners can submit a claim in a matter of minutes, have it approved in a matter of seconds, and then begin the process of receiving reimbursement for qualified costs, all because of Lemonade’s artificial intelligence chatbots.

If certain claims need to be personally processed by a person, it may take longer.


  1. Fast processing of claims with direct deposit.
  2. The waiting period for accident coverage is just two days.
  3. Young pets are available at the most affordable prices.


  1. Alternative or behavioral therapy, stem cell treatment, microchipping, and prescription food are not covered.
  2. A six-month waiting period is required for cruciate tears.
  3. Vet examination fees may be included, but they entail an extra charge.
  4. Telehealth services are not available around the clock.
  • Figo

Figo’s pet insurance plans provide reimbursement of up to 100%, a feature also offered by Trupanion.


  1. Reimbursement of up to 100% is available.
  2. There is no maximum age restriction for enrollment.
  3. Various deductible choices are available, ranging from $100 to $750.


  1. Orthopedic issues require a waiting period of six months.
  2. Veterinary examinations require an additional rider for coverage.
  3. Holistic or alternative therapies are not covered without a rider.
  • Fetch

Despite not having a wellness plan, Fetch Pet Insurance’s comprehensive pet insurance coverage includes several useful extras.

Its accident and illness plan includes in-home and virtual visits, medical exam costs, treatment for aggressiveness and separation anxiety, boarding, and reward-based pet loss advertising.

Fetch has a rigorous ninety-day limit for filing claims.


Behavioral treatments are included.

Coverage for expenses related to boarding fees, lost pet rewards and advertising, sick-visit examination fees, supplements, and additional items.


  1. A 24/7 pet health line is not included unless purchased separately.
  2. Absence of a wellness plan.
  3. No multi-pet discount.

How Much Does Pet Insurance In Florida Cost?

An accident and illness pet insurance plan with unlimited reimbursement (or the maximum amount that the company offers), a $500 deductible, and a 90% reimbursement percentage typically costs $42 per month in Florida.

Several factors determine the cost of pet insurance in Florida.

Factors Determining The Cost Of Pet Insurance In Florida


These include:

  1. Breed, size, age, and gender of the pet.
  2. Your ZIP code for Florida.
  3. Your pet insurance company.
  4. The plan type and coverage level you select.
  5. The deductible you select.
  6. The percentage of reimbursement you select.
  • Cost Of Dog Insurance In Florida With $5,000 Annual Maximum Coverage

Lemonade $10
Pets Best $25
Figo $29
MetLife $29
Embrace $32
Fetch $39


  • Cost Of Dog Insurance In Florida With Unlimited Annual Maximum Coverage

Lemonade $20
Healthy Paws $28
Pets Best $35
Figo $40
Embrace $42
Fetch $48
MetLife $58
Trupanion $72

Source: PetInsurer.com. Monthly Florida pet insurance rates are for a plan with unlimited annual coverage ($30,000 for Embrace and $100,000 for Lemonade), a $250 deductible ($200 for Embrace), and a 90% reimbursement level.

  • Cost Of Cat Insurance In Florida With $5,000 Annual Maximum Coverage

American Kennel $11
Figo $11
Pets Best $16
Embrace $23
MetLife $29

Source: PetInsurer.com. The average monthly Florida pet insurance rates are based on a variety of cat breeds.

  • Cost Of Cat Insurance In Florida With Unlimited Annual Maximum Coverage

Figo $17
Healthy Paws $19
Pets Best $22

Source: PetInsurer.com. The average monthly Florida pet insurance rates are based on a variety of cat breeds.

Types Of Pet Insurance Plans

Types Of Pet Insurance Plans


Offerings for pet insurance could appear perplexing at first.

Thankfully, there are three main types of pet insurance plans: accident and illness plans, accident-only plans, and wellness and routine care plans.

  • Accident and Illness Plans

An accident and illness plan is the most popular kind of pet insurance that pet owners purchase.

The most extensive coverage for your pet’s medical costs will be offered by this all-inclusive plan.

Most accident and sickness pet insurance plans cover the following veterinarian costs associated with your pet’s illnesses and injuries, though specific plans may differ depending on the insurance provider:

  1. Broken bones or fractures.
  2. Cancer.
  3. Cuts and wounds.
  4. Gastrointestinal issues.
  5. Hospitalization.
  6. Infectious disease.
  7. Ingesting foreign objects.
  8. Injury.
  9. Lab testing and diagnostics.
  10. Poisoning.
  11. Some allergies.
  12. Some prescriptions.
  13. Surgery costs.
  • Accident-Only Plans

Choosing an accident-only pet insurance plan often comes with a lower price tag.

Yet, it comes at the expense of forgoing coverage for illnesses.

Should your pet require veterinary attention due to an accident, your plan may still offer financial assistance.

Here are examples of accidents typically covered:

  1. Broken bones or fractures.
  2. Car accident injury.
  3. Cuts and wounds.
  4. Ingesting foreign objects.
  5. Poisoning.

Remember, if your pet falls ill, it won’t receive coverage under accident-only pet insurance.

This plan excludes veterinary costs associated with illnesses such as cancer, diabetes, as well as ear and upper respiratory infections.

  • Wellness and Routine Care Plans

Routine and preventive treatment for your pet is not covered by most pet insurance plans.

On the other hand, you can add optional wellness plans to your coverage with the majority of Florida’s pet insurance providers.

Preventive care expenses to maintain your pet’s health may be covered by a pet insurance wellness plan, such as:

  1. Annual checkups.
  2. Blood and fecal testing.
  3. Dental cleanings.
  4. Flea and tick prevention.
  5. Heartworm tests and prevention medications.
  6. Microchipping.
  7. Spay and neuter.
  8. Vaccines.

Florida Pet Laws

Florida Pet Laws


The Authorization of Restrictions Concerning Dogs law, which came into effect on October 1, 2023, in Florida, has repealed breed bans imposed by local governments within the state.

This includes the reversal of a 1989 Miami-Dade County ordinance permitting the euthanization of pit bulls solely based on their breed.

Although the state law nullifies county-wide bans, residential communities retain the authority to enforce bans on particular dog breeds.

Apart from state legislation, localities maintain their own set of laws and regulations concerning pets.

Below are some examples of local pet laws in Florida.

  • Jacksonville Pet Laws

In Jacksonville, residents are required to ensure their dogs, cats, and ferrets receive yearly rabies vaccinations.

Additionally, they must annually license all cats and dogs older than four months.

Ownership of more than four cats and/or dogs over four months old is prohibited.

For public safety, dog owners must leash their pets when in public areas.

The leash should not exceed eight feet in length when fully extended.

During significant storms, only licensed and vaccinated pets are permitted in pet-friendly shelters within Duval County.

  • Miami Pet Laws

In Miami-Dade County, owners of dogs aged four months and older must obtain licenses for their pets, with tags to be worn by the dogs at all times.

While tags are also available for cats, they’re not obligatory.

Pets causing disturbances, such as barking dogs or noisy birds, may be deemed nuisances, potentially incurring a $100 fine.

Homeowners could be held accountable for their tenants’ pets if they become nuisances, leading to fines.

When tethering a dog outdoors, ensure they remain within your line of sight.

The tether should not pose a risk of injury, strangulation, or entanglement, and dogs shouldn’t be left outside during extreme weather conditions.

Adequate provisions such as water, shelter, and dry ground should be accessible to the dog.

If using a pulley, running line, or trolley system, it must be at least 15 feet in length and positioned no higher than seven feet above the ground.

  • Orlando Pet Laws

Orange County residents owning a dog, cat, or ferret that is at least four months old are advised to ensure their pets receive vaccination.

Orlando boasts 10 dog parks, such as Barber Park Dog Park, Dr. Phillips Dog Park, Independence Dog Park, and Yucatan Dog Park.

These spaces offer opportunities for your furry friend to frolic and socialize with other canines, but adherence to park regulations is imperative.

Regulations stipulate that dogs must respond promptly when called by their owners, aggressive dogs are prohibited, owners must carry a leash at all times, and dogs should be leashed when entering and exiting the park.

  • Tampa Pet Laws

Dog, cat, and ferret owners in Hillsborough County are required to ensure their pets are vaccinated against rabies once they reach four months of age.

Vaccination frequency can be either annually or every three years, depending on the vaccine used.

Failure to comply with this regulation may result in fines ranging from $100 to $500 for repeat offenses.

Residents of Hillsborough County must refrain from allowing their pets to roam freely off their property.

Dogs should be kept on a leash no longer than six feet and under the control of their owner.

Those found with at-large animals may incur fines ranging from $100 to $500 for multiple infractions.

Owners of tethered dogs are advised not to leave them unattended outside.

The owner must remain with the dog, ensuring it is within sight, and that the tether is securely attached to a buckle-type nylon or leather collar or body harness.

Violators of this ordinance may be fined anywhere from $370 to $1,000 for repeat violations.

Furthermore, residents are obligated to prevent their dogs from unprovoked biting or attacking individuals or other pets.

Those found with a vicious or aggressive dog may face fines starting at $450.

How To Find The Best Pet Insurance In Florida

Mastering the fundamental mechanics of a pet insurance policy is merely the initial step.

Given the diversity in pet plans, it is imperative to pinpoint the key aspects when safeguarding your pet.

When evaluating your choices, here are several factors to scrutinize closely.

  • Exam Fees

When you visit the vet, typically an examination fee is incurred.

Regrettably, some pet insurance policies do not include coverage for these fees.

  • Waiting Periods

Once you purchase a pet insurance policy, there’s typically a waiting period of a few days to a couple of weeks before your insurer will reimburse you for veterinary expenses.

The duration of this wait varies based on the terms of the insurance company.

Opting for a policy with shorter waiting periods is prudent because pet illnesses or injuries can occur unexpectedly.

For instance, Healthy Paws requires a 15-day waiting period for accidents, whereas Embrace has a two-day waiting period.

Moreover, certain companies like Pets Best may impose extended waiting periods for specific conditions such as cruciate ligament issues or hip dysplasia, while others do not. If your pet is prone to these conditions, it’s advisable to choose an insurance provider without extended waiting periods.

  • 24/7 Vet Helplines

Imagine if your newly adopted puppy happens upon a toxic plant one lazy Sunday afternoon.

Unfortunately, your regular veterinarian might not be reachable to guide you through the appropriate steps for care.

Fortunately, numerous pet insurance providers extend 24/7 veterinary helplines, ensuring assistance for any health-related inquiries.

Opting for a company that provides this benefit could offer you peace of mind in such situations.

  • Plans That Pay The Vet Directly

Typically, when you go to the vet, you’re required to settle the full bill immediately.

Afterward, upon filing a claim, your pet insurance provider will reimburse you for eligible expenses.

Nonetheless, certain companies such as Pets Best can directly settle the bill with the vet, pending the vet’s approval of the transaction.

  • Multipet Discount

Certain insurance providers provide a multi-pet discount.

For instance, Spot extends a 10% discount for insuring multiple pets.

Additionally, companies might offer supplementary discounts such as those for military personnel or clients with no claims history.

  • Plans Offering Routine Wellness Coverage

If you seek a pet insurance policy including preventive care, you should opt for a provider offering a wellness and routine care plan.

As routine care expenses can amount to several hundred dollars annually, incorporating wellness coverage into your policy can reduce your pet’s healthcare expenses.

  • Extra Benefits

Some insurance providers offer extra benefits. For instance, Prudent Pet rewards policyholders with a $15 Amazon gift card for each successful referral.

Similarly, Nationwide provides policyholders with discounted prescription rates at Walmart pharmacies.

Frequently Asked Questions (FAQs)

  • What is the average cost of pet insurance in Florida?

The typical monthly cost for pet insurance in Florida hovers around $42 for an accident and illness plan with unlimited reimbursement (or the highest reimbursement offered by the company), along with a $500 deductible and a reimbursement rate of 90%.

However, your pet insurance premiums will vary based on the reimbursement rate, annual limit, and deductible you select.

Additionally, factors such as your pet’s age, breed, gender, and size can influence the overall cost.

  • Are pet wellness plans worth it?

Consider investing in a wellness pet insurance plan as it can assist in covering the expenses for your pet’s regular healthcare needs, ensuring their long-term well-being.

Typically, pet insurance providers set a maximum dollar amount per policy year for preventive care services.

Additionally, they might impose limits on expenses within specific categories.

Evaluating your annual routine care expenses alongside the cost and coverage of a wellness plan can aid in deciding whether it’s a valuable investment for your circumstances.

  • Is it better to have a high or low deductible for pet insurance?

The correlation between deductibles and premiums is such that lower deductibles usually entail higher premiums, and conversely.

It’s essential to weigh whether you’d rather pay more in premiums for reduced out-of-pocket expenses for veterinary care or opt for lower premiums and potentially higher costs if your pet needs covered care.

Thankfully, many pet insurance providers offer a variety of deductible options, allowing you to select the one that aligns best with your financial preferences.

  • Do pet insurance rates increase with age?

Pet insurance premiums tend to rise as pets age.

Zabrina Thorson, co-founder and chief operating officer at Odie Pet Insurance, explains, “Similar to humans, pets become more susceptible to certain health issues as they grow older, necessitating more frequent veterinary visits.”

She further elucidates that insurance companies consider these heightened risks and expenses related to aging, resulting in elevated premiums for older pets.

ALSO READ:7 Best Pet Insurance in Texas 2024: Your Comprehensive Guide to Protecting Your Pet’s Health

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