Based on our survey of major insurers, pet insurance costs average $393 annually for cats and $725 for dogs in Florida. Both are 13% more expensive than the national average. Your pet's breed and age, along with your coverage choice, affect your price.
How Much Is Pet Insurance in Florida?
Updated: November 21, 2025
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Key Takeaways
In Florida, dog insurance averages $60 per month ($725 per year), while cat insurance averages $33 per month ($393 per year).
According to our survey, Florida pet insurance costs are 13% higher for dogs and 13% higher for cats compared to the national average.
Get the best cheap pet insurance in Florida by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Florida?
| Cat | $33 | $393 |
| Dog | $60 | $725 |
*Accident-only coverage rates: 80% reimbursement, $5,000 annual limit, $500 deductible for a Ragdoll (7-year-old cat) and Labrador Retriever (6-year-old dog).
Our guides below can help you better understand the best pet insurance in Florida across different situations:
What Factors Affect Pet Insurance Costs in Florida?
Several key factors influence pet insurance costs in Florida. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Florida. Our baseline accident-only rates average $393 to $725 annually, while comprehensive accident and illness coverage ranges from $620 to $1,226 annually for standard parameters.
Full coverage options across all variables can range from $263 to $6,549, depending on factors like deductible amount, reimbursement rate and annual coverage limits.
Pet type and breed
Your pet's species and breed affect insurance rates. Monthly costs range from $56 to $264 for dogs and $61 to $84 for cats in Florida. Dogs cost more to insure than cats because they have higher injury risks and breed-specific health conditions that result in more frequent claims.
Pet age
Insurance costs increase as pets age since they become more susceptible to health issues and injuries. In Florida, annual premiums range from $256 for young pets to $1,469 for senior pets, assuming all other factors remain constant.
Location
Where you live affects your pet insurance rates due to local veterinary costs and regional health risks. Florida pet insurance costs $46 more per year than the national average for cats and $86 more for dogs. Rates remain fairly consistent across Florida cities, with only minor variations between locations.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and ultimately impacts your premiums.
Average Florida Pet Insurance Costs by Coverage
Your coverage choice determines pet insurance costs in Florida. Monthly premiums range from $22 to $545 based on your benefits and pet type.
Rates shown reflect comprehensive accident and illness coverage. Your actual rate depends on your pet's health history, veterinarian and coverage details like annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $52 | $620 | 13% |
| Dog | $102 | $1,226 | 13% |
Average Florida Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Florida. Our research shows monthly costs range from about $56 to $264 for dogs and $61 to $84 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Florida
Your dog's breed affects pet insurance costs in Florida. Monthly rates start at $56 for small mixed breeds and reach $264 for Bullmastiffs.
Data filtered by:
Select
| Affenpinscher | $114 | $1,365 |
| Afghan Hound | $134 | $1,605 |
| Airedale Terrier | $143 | $1,716 |
| Akita | $147 | $1,756 |
| Alaskan Husky | $118 | $1,408 |
| Alaskan Malamute | $137 | $1,650 |
| Alsatian | $155 | $1,856 |
| Alsation | $145 | $1,738 |
| American Bulldog | $191 | $2,296 |
| American Bully | $178 | $2,143 |
| American Eskimo | $100 | $1,198 |
| American Foxhound | $114 | $1,369 |
| American Hairless Terrier | $98 | $1,170 |
| American Staffordshire Terrier | $156 | $1,875 |
| Australian Cattle Dog | $110 | $1,326 |
| Australian Kelpie | $118 | $1,414 |
| Australian Shepherd | $95 | $1,133 |
| Australian Silky Terrier | $97 | $1,165 |
| Australian Terrier | $103 | $1,240 |
| Basenji | $99 | $1,190 |
| Basset Fauve de Bretagne | $129 | $1,545 |
| Basset Hound | $158 | $1,896 |
| Beagle | $118 | $1,414 |
| Bearded Collie | $109 | $1,309 |
| Belgian Shepherd Malinois | $131 | $1,575 |
| Bernese Mountain Dog | $257 | $3,084 |
| Bichon Frise | $105 | $1,259 |
| Bloodhound | $184 | $2,209 |
| Border Collie | $99 | $1,184 |
| Border Terrier | $104 | $1,244 |
| Borzoi | $159 | $1,901 |
| Boston Terrier | $112 | $1,340 |
| Boxer | $184 | $2,209 |
| Bracco Italiano | $130 | $1,558 |
| Briard | $138 | $1,660 |
| British Bulldog | $223 | $2,679 |
| Brussels Griffon | $108 | $1,297 |
| Bullmastiff | $256 | $3,078 |
| Bull Mastiff | $264 | $3,171 |
| Bull Terrier | $156 | $1,872 |
| Cairn Terrier | $110 | $1,319 |
| Cane Corso | $213 | $2,557 |
| Caucasian Shepherd Dog | $197 | $2,362 |
| Cavachon | $89 | $1,072 |
| Cavalier King Charles Spaniel | $118 | $1,417 |
| Cavapoo | $85 | $1,028 |
| Central Asian Shepherd Dog | $174 | $2,085 |
| Chihuahua | $74 | $884 |
| Chow Chow | $138 | $1,652 |
| Clumber Spaniel | $144 | $1,733 |
| Cockapoo | $83 | $999 |
| Cocker spaniel | $126 | $1,511 |
| Collie | $120 | $1,445 |
| Corgi | $135 | $1,624 |
| Coton De Tulear | $95 | $1,142 |
| Dachshund | $97 | $1,160 |
| Dalmatian | $155 | $1,855 |
| Dingo | $99 | $1,195 |
| Doberman Pincher | $180 | $2,168 |
| Doberman Pinscher | $251 | $3,020 |
| Dogue de Bordeaux | $260 | $3,122 |
| English Bulldog | $232 | $2,784 |
| English Foxhound | $111 | $1,325 |
| English Mastiff | $234 | $2,811 |
| English Pointer | $130 | $1,560 |
| English Setter | $127 | $1,524 |
| English Springer Spaniel | $118 | $1,420 |
| English Toy Terrier | $100 | $1,203 |
| Estrela Mountain Dog | $162 | $1,945 |
| Field Spaniel | $120 | $1,446 |
| Finnish Lapphund | $112 | $1,346 |
| Foxhound | $116 | $1,394 |
| Fox Terrier | $103 | $1,233 |
| French Bulldog | $206 | $2,479 |
| German Pinscher | $108 | $1,292 |
| German Shepherd | $135 | $1,620 |
| German Shorthaired Pointer | $122 | $1,464 |
| German Spitz | $117 | $1,400 |
| Giant Mix (100 pounds+) | $127 | $1,520 |
| Giant Mix (110 pounds+) | $120 | $1,436 |
| Giant Mix (111 pounds+) | $109 | $1,314 |
| Giant Mix (90 pounds+) | $161 | $1,926 |
| Goldendoodle | $104 | $1,241 |
| Golden Retriever | $140 | $1,685 |
| Gordon Setter | $158 | $1,892 |
| Great Dane | $234 | $2,809 |
| Great Pyrenees | $157 | $1,889 |
| Greyhound | $154 | $1,844 |
| Groodle | $94 | $1,125 |
| Harrier | $121 | $1,454 |
| Havanese | $86 | $1,032 |
| Hungarian Vizsla | $150 | $1,805 |
| Husky | $104 | $1,249 |
| Icelandic Sheepdog | $114 | $1,369 |
| Irish Setter | $137 | $1,640 |
| Irish Terrier | $112 | $1,348 |
| Italian Greyhound | $111 | $1,335 |
| Italian Spinone | $127 | $1,526 |
| Jack Russell Terrier | $83 | $1,001 |
| Japanese Chin | $97 | $1,166 |
| Japanese Spitz | $98 | $1,172 |
| Kangal Shepherd Dog | $212 | $2,546 |
| Keeshond | $122 | $1,470 |
| Komondor | $148 | $1,782 |
| Labradoodle | $103 | $1,239 |
| Labrador Retriever | $134 | $1,610 |
| Large Mix (51-100 pounds) | $110 | $1,320 |
| Large Mix (51-110 pounds) | $101 | $1,209 |
| Large Mix (55-90 pounds) | $112 | $1,349 |
| Large Mix (60-109 pounds) | $120 | $1,436 |
| Large Mix (61+ pounds) | $110 | $1,323 |
| Large Mix (71+ pounds) | $198 | $2,380 |
| Large Mix (Over 70 pounds) | $109 | $1,315 |
| Lhasa Apso | $96 | $1,149 |
| Lurcher | $156 | $1,881 |
| Maltese | $94 | $1,123 |
| Maltipoo | $77 | $933 |
| Medium Mix (20-55 pounds) | $87 | $1,054 |
| Medium Mix (20-70 pounds) | $92 | $1,107 |
| Medium Mix (21-70 pounds) | $206 | $2,476 |
| Medium Mix (23-70 pounds) | $110 | $1,325 |
| Medium Mix (26-50 pounds) | $92 | $1,103 |
| Medium Mix (26-59 pounds) | $120 | $1,436 |
| Medium Mix (31-50 pounds) | $92 | $1,108 |
| Medium Mix (31-59 pounds) | $91 | $1,090 |
| Miniature Bull Terrier | $156 | $1,881 |
| Miniature Dachshund | $102 | $1,223 |
| Miniature Fox Terrier | $108 | $1,294 |
| Miniature Pinscher | $96 | $1,152 |
| Miniature Poodle | $88 | $1,057 |
| Miniature Schnauzer | $104 | $1,242 |
| Mixed Breed | $118 | $1,421 |
| Mixed Breed Giant (>90 lbs) | $167 | $2,014 |
| Mixed Breed Large (51-90 lbs) | $110 | $1,320 |
| Mixed Breed Medium (31-50 lbs) | $83 | $983 |
| Mixed Breed Small (>10 lbs) | $69 | $818 |
| Mixed Breed Small (11-30 lbs) | $71 | $857 |
| Mixed breed Small (up to 20lbs when full grown) | $67 | $795 |
| Mixed Dog (21-50 pounds) | $97 | $1,169 |
| Mixed Dog (51-90 pounds) | $118 | $1,403 |
| Mixed Dog (91 pounds+) | $123 | $1,478 |
| Morkie | $80 | $965 |
| Newfoundland | $223 | $2,679 |
| Norfolk Terrier | $109 | $1,308 |
| Norwegian Elkhound | $114 | $1,367 |
| Norwich Terrier | $106 | $1,278 |
| Olde English Bulldogge | $248 | $2,976 |
| Old English Buldogge | $199 | $2,393 |
| Old English Sheepdog | $145 | $1,738 |
| Papillon | $93 | $1,122 |
| Pekingese | $102 | $1,222 |
| Pembroke Welsh Corgi | $119 | $1,427 |
| Peruvian Hairless Dog | $103 | $1,236 |
| Petit Basset Griffon Vendeen | $151 | $1,813 |
| Petit Basset Griffon Vendeens | $114 | $1,366 |
| Pitbull | $148 | $1,783 |
| Pointer | $121 | $1,456 |
| Pomeranian | $97 | $1,164 |
| Portuguese Water Dog | $134 | $1,612 |
| Pug | $122 | $1,459 |
| Puggle | $88 | $1,057 |
| Puli | $126 | $1,511 |
| Rhodesian Ridgeback | $156 | $1,869 |
| Rottweiler | $232 | $2,782 |
| Rough Collie | $129 | $1,548 |
| Saint Bernard | $247 | $2,967 |
| Saluki | $131 | $1,576 |
| Samoyed | $125 | $1,496 |
| Schnoodle | $90 | $1,079 |
| Scottish Deerhound | $189 | $2,264 |
| Scottish Terrier | $129 | $1,552 |
| Shar Pei | $201 | $2,413 |
| Shetland Sheepdog | $100 | $1,201 |
| Shiba Inu | $89 | $1,072 |
| Shih Tzu | $80 | $968 |
| Siberian Husky | $108 | $1,301 |
| Small Mix (0-20) | $66 | $778 |
| Small Mix (0-25) | $120 | $1,436 |
| Small Mix (10 and less pounds) | $64 | $776 |
| Small Mix (1-10 pounds) | $67 | $800 |
| Small Mix (11-25) | $64 | $764 |
| Small Mix (11-30) | $75 | $906 |
| Small Mix (20 and under pounds) | $159 | $1,909 |
| Small Mix (22 pounds or less) | $80 | $957 |
| Small Mix (25 and less pounds) | $77 | $915 |
| Small Mix (Under 20 pounds) | $56 | $666 |
| Smooth Collie | $124 | $1,485 |
| Soft Coated Wheaten Terrier | $122 | $1,461 |
| Staffordshire Bull Terrier | $134 | $1,611 |
| Standard Poodle | $129 | $1,548 |
| Standard Schnauzer | $115 | $1,386 |
| Tibetan Mastiff | $220 | $2,643 |
| Tibetan Terrier | $123 | $1,482 |
| Toy Mix (10 and less pounds) | $82 | $986 |
| Toy Poodle | $92 | $1,097 |
| Vizsla | $131 | $1,572 |
| Weimaraner | $159 | $1,908 |
| Welsh Corgi Cardigan | $116 | $1,389 |
| Welsh Corgi Pembroke | $119 | $1,427 |
| Welsh Springer Spaniel | $105 | $1,265 |
*Assumes 80% reimbursement, $5,000 annual limit and $500 deductible.
Average Pet Cat Insurance Costs in Florida
Cat insurance rates in Florida vary by breed, from $61 for domestic shorthairs to $84 for Abyssinians.
Data filtered by:
Select
| Abyssinian | $84 | $1,002 |
| Australian Mist | $77 | $923 |
| Balinese | $77 | $920 |
| Bengal | $72 | $866 |
| Birman | $68 | $821 |
| Bombay | $62 | $739 |
| British Longhair | $62 | $740 |
| British Shorthair | $75 | $898 |
| Burmese | $70 | $842 |
| Chinchilla | $69 | $834 |
| Cornish Rex | $75 | $897 |
| Devon Rex | $70 | $837 |
| Domestic Shorthair | $61 | $734 |
| Exotic Shorthair | $84 | $1,001 |
| Himalayan | $71 | $855 |
| Maine Coon | $81 | $968 |
| Munchkin | $70 | $840 |
| Norwegian Forest cat | $67 | $807 |
| Persian | $75 | $900 |
| Ragdoll | $63 | $759 |
| Russian Blue | $64 | $767 |
| Savannah | $76 | $912 |
| Scottish Fold | $72 | $859 |
| Serengeti | $71 | $854 |
| Siamese | $63 | $756 |
| Siberian | $76 | $906 |
| Snowshoe | $73 | $872 |
| Sphynx | $81 | $963 |
| Tonkinese | $68 | $820 |
*These rates are for policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Florida Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in Florida since older pets need more medical care. Prices range from $256 to $1,469 per year based on your pet's age.
Data filtered by:
Cat
| Under 1 | $21 | $256 |
| 1 | $23 | $279 |
| 2 | $25 | $299 |
| 3 | $27 | $327 |
| 4 | $30 | $357 |
| 5 | $32 | $388 |
| 6 | $35 | $421 |
| 7 | $48 | $580 |
| 8 | $41 | $495 |
| 9 | $45 | $545 |
| 10 | $51 | $606 |
| 11 | $57 | $679 |
| 12 | $64 | $764 |
| 13 | $68 | $821 |
| 14 | $76 | $913 |
| 15 | $84 | $1,009 |
| 16 | $93 | $1,114 |
| 17 | $94 | $1,132 |
| 18 | $104 | $1,248 |
| 19 | $114 | $1,360 |
| 20 | $123 | $1,469 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Florida Pet Insurance Cost by City
Pet insurance rates stay nearly identical across Florida cities, varying by just a few dollars per year.
Data filtered by:
Cat
| Jacksonville | $33 | $391 |
| Miami | $33 | $395 |
| Orlando | $33 | $394 |
| Tampa | $33 | $393 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Florida
Our simple step-by-step guide shows you how to find get pet insurance with quality coverage at the lowest price for your furry family member.
- 1Assess Your Coverage Needs
Before buying pet insurance, figure out how much coverage you need based on your pet’s needs and your budget. Think about what you can afford, common health or behavior issues for your pet’s breed and the usual vet costs in your area.
- 2Check Average Costs and Discounts
Check the average pet insurance rates for your animal and the coverage you want. Pet insurance doesn’t offer as many discounts as other types, but you may save by covering more than one pet or bundling it with another policy. See if you're also eligible for low-income pet insurance programs.
- 3Review Company Reputation
Read customer feedback on forums to see what pet owners say about each insurer. Also review coverage options, waiting periods and claims processes so you know what to expect when it’s time to file a claim.
- 4Compare Quotes from Different Insurers
Request quotes from many providers to find the best rate. Many insurers give instant online estimates for dogs and cats, but you might need to call for exotic pets.
- 5Read the Policy Carefully
Go through the policy details, including waiting periods, exclusions and annual limits. Check how pre-existing conditions are handled and the policy's renewal terms.
Average Pet Insurance Cost in Florida: Bottom Line
Pet insurance in Florida costs more than the national average. Expect to pay around $33 monthly for cats and $60 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Florida: FAQ
Answers to common questions about Florida pet insurance costs:
How much does pet insurance cost in Florida?
In Florida, pet insurance costs an average of $60 per month for dogs, though rates range from $37 to $211 depending on age. Cat insurance averages $33 per month, ranging from $21 to $123 by age.
Is Florida pet insurance expensive?
Florida is relatively expensive for pet insurance, with higher-than-average costs for insuring dogs and cats compared to most U.S. states.
How should I go about buying pet insurance in Florida?
To buy pet insurance in Florida, decide on your coverage needs beforehand, then research costs and discounts. Look into company reputations and coverage details, and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Florida
Pet insurance rates in Florida vary based on your pet's breed, age and coverage choices. We standardized our analysis so you can compare costs accurately across insurers without getting lost in variables that differ from quote to quote.
Our sample profiles reflect middle-aged pets and moderate coverage:
We analyzed rates for a 6-year-old Labrador Retriever (dogs) and a 7-year-old Ragdoll (cats) because these ages represent the sweet spot when pet owners typically start seeing higher vet bills but before senior-pet premiums kick in. Both breeds are popular in Florida and have moderate health risks, making them ideal benchmarks.
We used consistent coverage parameters across all quotes:
$5,000 annual limit gives you substantial coverage for unexpected emergencies without paying for unlimited coverage most pet owners never use. This limit covers the majority of claims Florida pet owners file.
80% reimbursement means you pay 20% of covered vet bills after your deductible. This strikes a balance between affordable premiums and meaningful financial protection when your pet needs care.
$500 deductible represents a middle-ground option. You'll pay the first $500 in vet bills each year, then insurance covers 80% of costs beyond that. Lower deductibles mean higher monthly premiums; higher deductibles reduce your monthly costs but increase out-of-pocket expenses when filing claims.
These parameters let you compare Florida insurers on equal footing. Your actual rate will differ based on your pet's specific breed, age, health history and your chosen coverage details.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.