Best Pet Insurance in Florida


What Are the Best Pet Insurance Companies in Florida?

There's no single best pet insurance provider for all pet owners in Florida. However, MoneyGeek's study found that the following pet insurers consistently provide a strong blend of affordability, customer experience and coverage:

  • Pumpkin: Best Pet Insurance Overall
  • Pets Best: Best for Most Small Dog Breeds
  • ASPCA: Best for Bull Mastiffs
  • Spot: Best for Doberman Pinschers and Foxhounds
  • Lemonade: Best for Medium and Large Dog Breeds

These Florida pet insurers earned their rankings by delivering competitive monthly premiums, reliable customer service and coverage that holds up when emergencies happen. The table below summarizes each insurer's overall value based on your pet's needs.

Pumpkin
4.73
Combines the lowest rates in Florida with exceptional service and broad financial protection.
Pets Best
4.71
Delivers the most competitive rates for most small dog breeds and pays licensed veterinarians directly for covered claims.
ASPCA
4.63
Offers the most competitive rates for Bull Mastiff owners and includes hereditary condition coverage in the base plan.
Spot
4.63
Pairs solid customer service with comprehensive coverage for Doberman Pinscher and Foxhound owners.
Lemonade
4.62
Provides the most competitive rates for medium and large dog breeds in Florida, with no waiting period for accidents.

For our Florida pet insurance ratings, we evaluated affordability, customer experience and coverage across 18 major insurance companies using over 67,000 pet profiles representing mixed breeds and purebreds in the state. Our analysis focused on a 6-year-old Labrador Retriever and a 7-year-old Ragdoll with standardized coverage terms to ensure consistent comparisons across providers.

We analyzed pricing competitiveness across different breeds and ages, measured customer experience throughout the policy lifecycle from enrollment to claims and assessed coverage quality for pet-specific health risks. Each insurer received a composite score based on affordability (50% of overall score), customer experience (30% of overall score) and coverage options and terms (20% of overall score).

For a detailed breakdown of the metrics, scoring methodology and analysis approach, see our full methodology.

18

Providers analyzed

Over 67,000

Pet profiles analyzed

Over 10,000

Customer experiences evaluated

Compare Pet Insurance Rates in Florida

Ensure you are getting the best rate for your pet insurance in Florida. Compare pet insurance quotes from the top Florida insurance companies.

Company Image
Best Pet Insurance Overall

Pumpkin

As our pick for the best pet insurance overall in Florida, Pumpkin consistently delivers the strongest performance across affordability, customer experience and coverage. You get exceptional service and broad financial protection while saving 46% against the state average. This makes Pumpkin ideal for Florida pet owners who don't want to trade service quality and coverage breadth for a lower monthly bill.

However, Pumpkin's 14-day waiting period for accidents means coverage doesn't begin the day you enroll, which is a drawback if you want immediate financial protection after signing up. The policy structure is also less flexible than some competitors, with fewer options to adjust deductibles, reimbursement rates and annual limits to fit your budget or your pet's specific health profile.

Where Pumpkin performs best:

  • Florida pet owners who want the lowest monthly rate without giving up customer service quality
  • Fur parents who own pets with orthopedic risk factors that will benefit from a shorter waiting period for ligament and knee conditions
  • Those who want a smooth, consistent experience from enrollment through claims and policy management

Where Pumpkin performs less competitively:  

  • Pet parents who need accident coverage to start immediately after enrollment
  • Those who want flexibility to customize deductibles, reimbursement rates and annual limits beyond what Pumpkin's standard structure allows

Learn more: Pumpkin Pet Insurance Review

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Best for Most Small Dog Breeds

Pets Best

Pets Best ranks as the second-best pet insurer in Florida, earning its spot through affordability since its average monthly rate sits 44% below the state benchmark. It also pays licensed veterinarians directly for covered claims, which means you're not fronting a large bill and waiting for reimbursement during an already stressful vet visit. Small dog breed owners get the most out of Pets Best's pricing: Australian Terriers save 61% compared to the Florida average, Miniature Fox Terriers save 62% and Chihuahuas save 58%.

That said, Pets Best ranks 14th for both customer experience and coverage, which means pet owners who prioritize a smooth claims process or a comprehensive base policy will need to weigh that gap carefully. Some coverages that come standard with higher-ranked providers, such as exam fees and physical therapy, require separate add-ons with Pets Best, which can push your true monthly cost above the base premium.

Where Pets Best performs best:  

  • Budget-focused owners of small dog breeds who want meaningful savings without dropping coverage for hereditary and congenital conditions
  • Florida pet owners who want to avoid paying large vet bills upfront

Where Pets Best performs less competitively:  

  • Pet owners who want a smooth, guided experience from enrollment through claims
  • Those who expect exam fees, physical therapy and take-home medications covered in the base plan 

Learn more: Pets Best Pet Insurance Review

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Best for Bull Mastiffs

ASPCA

Ranking third overall in MoneyGeek's Florida analysis, ASPCA makes our list on the strength of its affordability, with its average monthly rate 42% lower than the state average. Its clearest breed-specific win is Bull Mastiffs, where ASPCA delivers 32% savings compared to what Bull Mastiff owners pay on average in Florida. Coverage for hereditary conditions is built into the base plan, which matters for giant breed owners whose dogs carry a higher risk of inherited joint and cardiac conditions.

Where ASPCA falters is customer experience and coverage. It ranks 16th out of 18 providers for both categories, meaning Florida pet owners who want a wide range of add-ons, a strong digital experience or a claims process that doesn't add friction during a stressful situation will likely need to find better options.

Where ASPCA performs best:  

  • Bull Mastiff owners in Florida looking to keep monthly costs manageable
  • Owners of purebred pets who want coverage for hereditary conditions without having to purchase add-ons

Where ASPCA performs less competitively:  

  • Pet owners who want a broad selection of add-ons or a policy with deeper coverage depth than the base plan provides
  • Those who prioritize exceptional customer service, from enrollment and policy management to claims submission

Learn more: ASPCA Pet Insurance Review

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Best for Doberman Pinschers and Foxhounds

Spot

Spot finishes fourth overall in our recommendations for the best pet insurance in Florida. The company provides reliable customer support and broad financial protection, making it particularly a strong fit for Doberman Pinschers, where owners save 37% compared to the Florida state average, and Foxhounds, where it saves 35% against the state average. 

Although Spot offers the highest average monthly rate among our five picks, it still provides 25% savings against the state benchmark. Note, however, that Spot imposes a 14-day waiting period for accidents, so coverage doesn't start immediately.

Where Spot performs best:

  • Doberman Pinscher and Foxhound owners in Florida looking for rates below the state average
  • Those who want solid service quality and are comfortable paying a somewhat higher monthly rate to get it

Where Spot performs less competitively:  

  • Budget-focused pet owners who want the lowest possible monthly rate
  • Fur parents who needs accident coverage to begin immediately

Learn more: Spot Pet Insurance Review

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Best for Medium and Large Dog Breeds

Lemonade

Lemonade rounds out our top five for best Florida pet insurance, securing a spot by offering an average monthly rate 28% below the state average. Additionally, it's a strong option for medium and large breed dogs, including Boxers (63% savings) and English Mastiffs (52% savings). Cat owners also get some of the best rates available with Lemonade: Persians save 53%, Exotic Shorthairs save 47% and Scottish Folds save 48% compared to the Florida average.

That said, Lemonade's 11th rank for customer experience and coverage means pet owners who prioritize a strong claims experience or a comprehensive base policy will not find the provider a good fit. Also, most of Lemonade's add-on options come standard with other competitors, such as behavioral treatment, physical therapy and exam fees. 

Where Lemonade performs best:

  • Boxer and English Mastiff owners in Florida who want to save on premiums
  • Owners of Persians, Exotic Shorthairs and Scottish Fold cats looking for competitive rates
  • Those who want accident coverage to begin immediately, with no waiting period after enrollment

Where Lemonade performs less competitively:

  • Fur parents who want behavioral treatment, physical therapy or exam fee coverage without buying additional add-ons
  • Pet owners who rank customer experience or coverage depth as a top priority

Learn more: Lemonade Pet Insurance Review

Best Pet Insurance in Florida by Species

Pumpkin consistently wins as the best insurance company for dogs and cats in Florida, combining affordable premiums with excellent customer service and comprehensive coverage.

CatPumpkin1110
DogPumpkin2111

Use the resources below to find the best pet insurance companies in Florida based on your pet's species.

Best Pet Insurance in Florida by Breed

Pumpkin provides the best pet insurance in Florida for approximately 73% of all dog breeds in our analysis, including German Shepherds, Golden Retrievers, French Bulldogs, Rottweilers and Great Danes. For cat breeds, Pumpkin ranks first for about 45% of cat breeds, covering Bengals, Birmans and Ragdolls, while Pets Best takes the lead for roughly 41%, earning top marks for Burmese, Siamese and Russian Blues.

Data filtered by:
Select
AbyssinianLemonade1112
AffenpinscherPets Best1142
Afghan HoundLemonade2111
Airedale TerrierPumpkin1111
AkitaPumpkin1111
Alaskan HuskyPumpkin1111
Alaskan MalamutePumpkin1111
American BulldogPumpkin1111
American BullyPumpkin1111
American EskimoPumpkin1111
American FoxhoundPumpkin1111
American Hairless TerrierPumpkin1111
American Staffordshire TerrierPumpkin2111
Australian Cattle DogPets Best1142
Australian KelpiePumpkin1111
Australian MistFigo1139
Australian ShepherdPumpkin2111
Australian Silky TerrierPumpkin2111
Australian TerrierPets Best1142
BalinesePets Best1141
BasenjiPumpkin1111
Basset Fauve de BretagneLemonade1111
Basset HoundPumpkin1111
BeaglePets Best1142
BeaglePumpkin2111
Bearded ColliePumpkin1111
Belgian Shepherd MalinoisPumpkin2111
BengalPumpkin2110
Bernese Mountain DogPumpkin2111
Bichon FrisePets Best1142
BirmanPumpkin1110
BloodhoundPumpkin2111
BombayPumpkin1110
Border ColliePumpkin1111
Border TerrierPets Best1142
BorzoiPumpkin1111
Boston TerrierLemonade2111
BoxerLemonade1111
Bracco ItalianoLemonade3111
BriardPumpkin1111
British LonghairLemonade1112
British ShorthairPets Best1141
Brussels GriffonLemonade2111
Bull MastiffASPCA1163
Bull TerrierPets Best1142
BurmesePets Best1141
Cairn TerrierPets Best1142
Cane CorsoPumpkin1111
Caucasian Shepherd DogMetLife1317
CavachonPumpkin1111
Cavalier King Charles SpanielPumpkin1111
CavapooPumpkin1111
Central Asian Shepherd DogPumpkin3111
ChihuahuaPets Best1142
ChihuahuaPumpkin2111
ChinchillaPets Best1141
Chow ChowPumpkin1111
Clumber SpanielPumpkin1111
CockapooPumpkin1111
Cocker spanielPumpkin2111
ColliePumpkin1111
CorgiMetLife1317
Cornish RexLemonade1112
Coton De TulearLemonade3111
DachshundPumpkin1111
DalmatianPets Best1142
Devon RexPumpkin1110
DingoPets Best1142
Doberman PinscherSpot145
Dogue de BordeauxPumpkin1111
Domestic ShorthairPets Best1141
English BulldogPumpkin2111
English FoxhoundPumpkin1111
English MastiffLemonade2111
English PointerPumpkin1111
English SetterPumpkin1111
English Springer SpanielPumpkin1111
English Toy TerrierPumpkin1111
Estrela Mountain DogPets Best1142
Exotic ShorthairLemonade1112
Field SpanielPumpkin1111
Finnish LapphundPumpkin1111
Fox TerrierPets Best1142
FoxhoundSpot345
French BulldogPumpkin1111
German PinscherPumpkin1111
German ShepherdPumpkin1111
German Shorthaired PointerPets Best1142
German Shorthaired PointerPumpkin2111
German SpitzPumpkin1111
Golden RetrieverPumpkin1111
GoldendoodlePumpkin2111
Gordon SetterPumpkin1111
Great DanePumpkin1111
Great PyreneesPumpkin1111
GreyhoundPumpkin1111
GroodleEmbrace198
HarrierPumpkin1111
HavanesePumpkin1111
HimalayanPets Best1141
Hungarian VizslaPumpkin1111
HuskyPumpkin1111
Icelandic SheepdogPumpkin2111
Irish SetterLemonade2111
Irish TerrierPets Best1142
Irish TerrierPumpkin2111
Italian GreyhoundLemonade1111
Italian SpinonePumpkin1111
Jack Russell TerrierPumpkin2111
Japanese ChinPumpkin1111
Japanese SpitzPumpkin1111
Kangal Shepherd DogPumpkin1111
KeeshondPets Best1142
KeeshondPumpkin2111
KomondorPumpkin1111
LabradoodlePumpkin1111
Labrador RetrieverPumpkin2111
Lhasa ApsoPumpkin2111
LurcherPumpkin2111
Maine CoonLemonade2112
MaltesePumpkin1111
MaltipooPumpkin1111
Miniature Bull TerrierLemonade2111
Miniature DachshundPumpkin2111
Miniature Fox TerrierPets Best1142
Miniature PinscherPets Best1142
Miniature PoodlePumpkin2111
Miniature SchnauzerPets Best1142
Mixed BreedWagmo1127
Mixed Breed Large (51-90 lbs)Embrace198
MorkiePumpkin1111
MunchkinPets Best1141
NewfoundlandPumpkin1111
Norfolk TerrierPets Best1142
Norwegian ElkhoundPumpkin1111
Norwegian Forest catPumpkin1110
Norwich TerrierPets Best1142
Old English SheepdogPumpkin1111
Olde English BulldoggeFetch1515
PapillonPumpkin1111
PekingesePets Best1142
Pembroke Welsh CorgiPumpkin1111
PersianLemonade2112
Peruvian Hairless DogPumpkin1111
Petit Basset Griffon VendeenPumpkin1111
PitbullPets Best1142
PointerPumpkin1111
PomeranianPumpkin2111
Portuguese Water DogLemonade2111
PugPumpkin2111
PugglePumpkin1111
PuliPumpkin1111
RagdollPumpkin1110
Rhodesian RidgebackPumpkin1111
RottweilerPumpkin1111
Rough CollieFetch1515
Russian BluePets Best1141
Saint BernardPumpkin1111
SalukiPumpkin1111
SamoyedPumpkin1111
SavannahPumpkin1110
SchnoodlePumpkin1111
Scottish DeerhoundLemonade2111
Scottish FoldLemonade2112
Scottish TerrierLemonade3111
SerengetiLemonade1112
Shar PeiLemonade2111
Shetland SheepdogPumpkin1111
Shiba InuPumpkin1111
Shih TzuPumpkin2111
SiamesePets Best1141
SiberianPumpkin1110
Siberian HuskyPumpkin1111
Smooth CollieLemonade2111
SnowshoePumpkin1110
Soft Coated Wheaten TerrierPets Best1142
SphynxLemonade2112
Staffordshire Bull TerrierPets Best1142
Standard PoodleLemonade3111
Standard SchnauzerPumpkin2111
Tibetan MastiffPumpkin1111
Tibetan TerrierPumpkin2111
TonkinesePumpkin1110
Toy PoodlePumpkin2111
VizslaPumpkin1111
WeimaranerPumpkin1111
Welsh Corgi CardiganPets Best1142
Welsh Corgi CardiganPumpkin2111
Welsh Springer SpanielPumpkin1111
Welsh TerrierPumpkin1111
West Highland White TerrierPumpkin2111
WhippetPets Best1142
Wire Fox TerrierPumpkin2111
Yorkshire terrierPumpkin2111

Find the best pet insurance in Florida for your specific breed using our dedicated resources below.

Best Pet Insurance in Florida by Age

Pets Best leads as the best pet insurance provider in Florida across the majority of age groups, holding the top spot from under 1 through age 5 and again from age 7 onward through age 20. Meanwhile, Pumpkin offers the best policy at ages 6, 10 and 11.

Data filtered by:
Select
Under 1Pets Best1141
1Pets Best1141
2Pets Best1141
3Pets Best1141
4Pets Best1141
5Pets Best1141
6Pumpkin1113
7Pets Best1141
8Pets Best1141
9Pets Best1141
10Pumpkin1113
11Pets Best1141
11Pumpkin2113
12Pets Best1141
13Pets Best1141
14Pets Best1141
15Pets Best1141
16Pets Best1141
17Pets Best1141
18Pets Best1141
19Pets Best1141
20Pets Best1141

Compare pet insurance options in Florida for your pet's age group using the age-level resources below.

What Determines the Best Pet Insurance in Florida for You

The best pet insurance won't be the same for every Florida pet owner. But the strongest providers tend to deliver across these areas:

    insurance2 icon
    Coverage that matches your pet's actual risk profile

    Florida's year-round heat and humidity create health conditions that pet owners in cooler states rarely deal with. Flat-faced breeds like French Bulldogs and English Bulldogs are more vulnerable to respiratory distress in high temperatures, while the state's warm, wet environment raises the risk of skin infections, parasites and fungal conditions for both dogs and cats. A policy that fits your pet's actual risk profile in Florida should have:

    • Coverage for hereditary and congenital conditions included in the base plan, not as a paid add-on
    • Waiting periods short enough to provide protection before a condition has a chance to develop
    • Deductible, annual limit and reimbursement options that align with your pet's health needs and your budget
    coins2 icon
    Affordable pricing

    A low monthly premium is only part of what affordability means over the life of a policy. What matters more is how rates change as your dog or cat gets older and whether your Florida insurer adjusts pricing based on your individual claims history. Providers that price consistently across breeds and ages without penalizing you for filing claims tend to deliver better long-term value than those with attractive starting rates that climb steeply by year three or four.

    phoneCall icon
    Reliable customer service

    Florida pet owners who've dealt with a sudden diagnosis or an emergency vet visit know that reimbursement speed and support quality are what determine whether a policy is worth having. The providers that hold up best in those moments tend to share these qualities:

    • A claims process with clear documentation requirements and no unexpected delays
    • Reimbursements that match what the policy describes and arrive on time
    • Support staff who answer coverage questions directly rather than redirecting you to policy documents

How to Choose the Best Pet Insurance in Florida

Choosing the best pet insurance policy in Florida takes more than picking the lowest monthly premium. These six steps will help you narrow down your options and commit to a policy with confidence.

  1. 1
    Start with your pet's breed, size and health history

    Before you compare providers, get clear on what your pet needs. A French Bulldog's respiratory risks in Florida's heat look nothing like the joint vulnerabilities common in Golden Retrievers, and a young kitten's coverage priorities are entirely different from those of a 10-year-old cat with a documented health history. 

    Ask yourself these three questions:

    • Does your pet's breed carry known health predispositions? The American Kennel Club for dogs and the Cat Fanciers' Association for cats publish breed-specific health information that can help you identify conditions worth prioritizing before your next vet visit.
    • Where does your pet fall on the age spectrum? Pets under 12 months are most at risk for accidents and ingestion-related emergencies, while those aged 8 and older are more likely to develop joint disease, organ conditions or cancer.
    • What does your pet's vet history show? Florida insurers can classify a condition as pre-existing based on a single mention in your pet's records, something that can quietly limit coverage for related conditions that develop later.
  2. 2
    Choose your priorities

    Affordability, customer experience and coverage depth rarely align with the same provider. Getting clear on your priorities before you start comparing makes tradeoffs easier to accept:

    • Comprehensive coverage + affordable pricing: A strong fit for mixed-breed owners without significant hereditary concerns who want genuine financial protection without a high monthly commitment.
    • Comprehensive coverage + reliable customer service: Worth prioritizing for purebred owners and first-time buyers who want both strong coverage and a claims process that doesn't add stress to an already difficult situation.
    • Affordable pricing + reliable customer service: The practical choice for healthy pets with uncomplicated needs, where keeping costs down and having a smooth experience matter more than maximum coverage depth.
  3. 3
    Explore pet insurance providers

    Not every pet insurer operates in all states, and availability alone doesn't tell you much about performance. Look past marketing materials; customer satisfaction scores, independent reviews and financial strength ratings give you a more honest picture of how a provider holds up when claims need to be paid.

  4. 4
    Review sample policies before you commit

    Every major pet insurer publishes sample policies online, and the terms that most affect your coverage are rarely the ones featured in the summary. Before you commit to any provider, Ctrl + F the document for:

    • Pre-existing conditions: How broadly the insurer defines this determines how much of your pet's health history could limit future coverage.
    • Curable conditions: Some Florida insurers will reinstate previously excluded conditions after a defined symptom-free period, so check whether your shortlisted providers offer this and what qualifies.
    • Waiting periods: Accident, illness and orthopedic waiting periods are often different. For breeds common in Florida that are prone to joint issues, the orthopedic waiting period is the one that carries the most financial risk.
    • Hereditary and congenital conditions: Check whether breed-specific conditions are covered before a formal diagnosis and whether that coverage comes standard or costs extra.
    • Exclusions: A full list of what the policy won't pay for, making it essential reading for any Florida pet owner with a breed that carries known health risks.
    • Claims: Outlines how to file claims, what documentation is required, submission deadlines after a vet visit and whether direct vet payment is an option.
  5. 5
    Compare your top choices side by side

    Once you've narrowed your list, evaluate your finalists using the same evaluation criteria:

    • Coverage: What’s included, what’s excluded, waiting periods, annual limits and how hereditary conditions are handled
    • Pricing: Monthly premium, deductible choices, reimbursement rates and how costs change as your cat ages
    • Service: Claims process, reimbursement speed, customer support availability and app or portal quality
  6. 6
    Get quotes using your pet's actual profile

    Quotes tied to your pet's specific species, breed, age and Florida ZIP code reveal the pricing differences that general estimates smooth over. Run those quotes using the same deductible, reimbursement rate and annual limit across every provider since without that consistency, you're not comparing prices, you're comparing different policies.

Best Pet Insurance in Florida: Bottom Line

Pumpkin, Pets Best and ASPCA lead as the best pet insurance providers in Florida, but the best choice depends on your pet's breed, age and ZIP code within the state. Getting quotes from your top choices using identical deductibles, annual limits and reimbursement rates, and evaluating them based on affordability, customer experience and coverage breadth is the most reliable way to find the policy that fits your pet's actual situation.

Best Pet Insurance in Florida Chart

Best Pet Insurance in Florida: Next Steps

Before getting a policy, verify that your top choices deliver on both price and coverage for your dog or cat's specific profile in Florida. Collect quotes using identical coverage assumptions to ensure you're comparing true cost differences

If you want to confirm cost before deciding

If you're still figuring out the right coverage level

If you're ready to get quotes

Compare Pet Insurance Rates in Florida

Ensure you are getting the best rate for your pet insurance in Florida. Compare quotes from the top Florida insurance companies.

How We Chose the Best Pet Insurance Companies in Florida

We analyzed 18 major pet insurers to identify the best pet insurance companies in Florida that balance affordable pricing, reliable customer service and comprehensive coverage for pet-specific health risks. 

Data Analysis and Scope

Our analysis is based on standardized pet profiles representing common coverage needs:

  • Providers analyzed: 18 major pet insurers
  • Pet profiles analyzed: Over 67,000
  • Standard profile used: 6-year-old Labrador Retriever for dogs, 7-year-old Ragdoll for cats
  • Breeds covered: Mixed breeds and purebreds
  • Policy baseline: $500 deductible, $5,000 annual limit, 80% reimbursement rate

Our Scoring Model

Each insurer received a composite score based on the weighted categories below:

  • Affordability (50% of overall score): We measured how competitively an insurer prices coverage compared to competitors for a $5,000 annual limit, $500 deductible and 80% reimbursement policy across different breeds in Florida.
  • Customer experience (30% of overall score): We evaluated how well insurers support pet owners throughout the policy lifecycle from purchase to claims. We measured performance across buying (30%), policy management (30%) and claims experiences (40%), with detailed subscores within each category.
  • Coverage options and terms (20% of overall score): We analyzed each insurer's coverage options, including core coverage inclusions (30%), policy flexibility and customization options (25%), policy terms and conditions (23%) and specialized coverage for breed-specific and pet health risks (22%).

Read our full pet insurance methodology.

About Ritchel Mendiola


Ritchel Mendiola headshot

Ritchel Mendiola is a Content Writer at MoneyGeek specializing in pet insurance. With a journalism background and over three years of experience in personal finance writing, she brings a reporter's approach to coverage, digging into the details that actually matter when you're trying to protect your furry friends without overpaying.

Ritchel focuses on the policy terms that actually matter when your pet needs care: waiting periods that could delay coverage right when you need it, exclusions that might catch you off guard at the vet, reimbursement levels that determine your real costs, and claim scenarios that reveal how policies hold up in practice. She digs into what providers offer, checks their track records and pricing, then turns it into clear comparisons that help you decide.

Whether you're shopping for your first pet insurance policy or switching providers, Ritchel does the research for you and breaks down your options so you can protect your furry family members, without breaking the bank.