Pet Insurance in Florida: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Are you looking for pet insurance in Florida? MoneyGeek analyzed policy details, coverage options and thousands of quotes to help you find the best pet insurance company in Florida.

Last Updated: 3/13/2022
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Having the best pet insurance in Florida can help you save thousands of dollars every year and give you peace of mind for your pet's health. Some insurance plans also offer preventative care to ensure that your pet remains healthy between visits to the veterinarian.

We obtained information from Florida pet insurance companies serving the state's big cities like Jacksonville, Tampa and St. Petersburg. Our research can help you figure out how much pet insurance costs in Florida, allowing you to obtain the cheapest pet insurance that meets your needs.

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The Best Pet Insurance Companies in Florida

MoneyGeek examined thousands of pet insurance quotes in Florida from multiple insurers, along with policy and coverage data, to identify the finest pet insurance companies in the state. We ranked the best businesses according to their rates and product offerings.

Pet insurance premiums vary depending on the breed, age and medical history of your pet, along with your location. Make sure to shop around to find the cheapest and best insurance policy for your pet.

Best Overall Pet Insurance in Florida for Your Pet

Pets Best

pros

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No upper age limit

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Multi pet discount of five percent

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Plan can be used anywhere in the US, Canada and Puerto Rico

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Dental coverage available in comprehensive plans

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Does not cover pre-existing conditions

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Exam fee and prescription medication not covered by all plans

COMPANY HIGHLIGHTS

Our top pick for the best overall pet insurance in Florida is Pets Best. The company offers policies that you can choose based on your budget and pet's needs. Pets Best charges an average of $25.12 a month to insure a pet.

The company offers three travel-friendly insurance coverages, with deductibles from $50 to $1,000 and limits ranging from $5,000 to unlimited. This provider is also the cheapest among the companies evaluated for unlimited coverage. You can choose to have your pet protected only for accidental injuries or select a comprehensive plan that covers accidents and illnesses with the provider.

Individuals can add routine care coverage to their comprehensive plans for their pets to receive preventative treatment. The company has no maximum age limits, and its comprehensive plan includes dental coverage.

Best Pet Insurance Company in Florida: Unlimited Coverage

Pets Best

pros

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No upper age limit for covering pets

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Plans are valid in the United States, Canada, and Puerto Rico

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Euthanasia for humane reasons covered

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Coverage for prosthetic devices and wheelchairs

cons

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Does not offer preventative care coverage

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Parasite testing and preventive coverage are limited

COMPANY HIGHLIGHTS

Pets Best is also MoneyGeek's top pick for unlimited pet insurance in Florida. Its BestBenefit Accident and Illness plans offer unlimited coverage — even if your pet requires extensive medical treatment, it will be covered. Plans with unlimited coverage are often more expensive than other policy alternatives. An average Pets Best policy with unlimited coverage is $34.39 per month.

Pets Best comprehensive plans cover most risks, including accidents, illnesses and dental procedures. Pets cancer treatments, hereditary conditions, emergency care and prescription medications are also covered.

The insurer will cover chronic ailments and illnesses as long as they are not pre-existing. Pets Best is also the cheapest company for unlimited coverage among the companies MoneyGeek evaluated.

Best Pet Insurance Company in Florida: Affordable Coverage

Pets Best

pros

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Dental coverage available in comprehensive plans

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No upper age limit for covering pets

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Five percent discount for insuring multiple pets

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Coverage available for behavioral conditions

cons

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No coverage for pre-existing conditions

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All comprehensive plans don’t cover exam fees

COMPANY HIGHLIGHTS

If you're looking for affordable or minimum coverage in Florida, Pets Best is again our top pick. The company's $5k coverage insures a single pet for an average of $15.86 per month. Regardless of the affordable coverage, your pet will be covered for illnesses and injuries, dental treatment and hereditary problems, among other issues.

Pets Best's affordable coverage plans allow you to customize your deductibles. For example, can choose a high deductible plan with an inexpensive premium for your healthy pet. Customers can obtain higher coverage for older pets or pets with illnesses by paying a higher insurance premium.

Best Pet Insurance Company in Florida: Multiple Pets

Pets Best

pros

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No upper age limit for covering pets

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Multi-pet discounts

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Travel-friendly policies

cons

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Not all plans cover veterinarian's fee

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Physical rehabilitation coverage not available with all plans

COMPANY HIGHLIGHTS

If you're looking for the best coverage for multiple pets in Florida, MoneyGeek again recommends Pets Best. A pet insurance policy from Pets Best costs roughly $22.61 per month and includes multi-pet discounts. Depending on the level of coverage chosen, policyholders will be covered for their pet's injuries, illnesses, dental care and more.

Purchasing insurance for many pets can be costly. You may, however, affordably enroll all of your pets, thanks to Pets Best's multi-pet insurance discount. Individuals on Pets Best's BestBenefit plans can receive a 5% discount.

Best Pet Insurance Company in Florida: Cats

Embrace

pros

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Covers exam fees

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Behavioral treatment and training are covered

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10% multi-pet discount

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Prescription medications, complementary treatments, and specialized care are all included in the comprehensive package of benefits

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No unlimited coverage for cat insurance

COMPANY HIGHLIGHTS

Embrace is MoneyGeek's top selection for pet insurance for cats in Florida. Cats are less expensive to insure than dogs, so if you have a cat at home, consider specific insurance policies for cats. In Florida, Embrace insurance costs an average of $13.30 per month to cover one cat.

Embrace cat insurance is unique for its coverage of pre-existing conditions. This provider's cat insurance includes many coverages, including accidents and illnesses, surgeries and hospitalization and diagnostic testing.

Policyholders also receive coverage for genetic conditions, prescription drugs and dental treatments. Unlike some other providers, Embrace also covers behavioral treatment. The company offers a 10% discount to individuals who insure more than one pet.

Best Pets Insurance in Florida Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $25
  • Unlimited Coverage
    Pets Best
    $34
  • Affordable Coverage
    Pets Best
    $16
  • Multiple Pets
    Pets Best
    $23
  • Cats
    Embrace
    $13

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Florida?

Pet insurance in Florida varies according to your location and coverage level, along with the age and breed of your pet. The average monthly cost of dog insurance in Florida is $26.14 for a $5,000 coverage limit, $50.09 for a $10,000 coverage limit and $62.05 for unlimited coverage.

Cats are typically less expensive to insure, costing an average of $14.22 per month for $5,000 in coverage, $24.84 for $10,000 in coverage and $41.12 for unlimited coverage.

Other factors that affect the cost of pet insurance in Florida include your animal's age, the amount of your deductible and any add-on benefits or coverages. Shop around for a few customized estimates before deciding on a policy — every insurer analyzes these aspects differently.

Average Monthly Cost of Pet Insurance in Florida

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $26
    $50
    $62
  • Average Cost for a Cat
    $14
    $25
    $41
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HOW MUCH PET INSURANCE DO YOU NEED IN FLORIDA?

MoneyGeek proposes a coverage limit of $5,000 to $10,000 and a reimbursement rate of 80% or higher for the average pet insurance shopper in Florida. This provides assurance that, if your pet is in an accident or has a medical emergency, you will be able to cover the costs.

Compare the Cheapest Pet Insurance Quotes in Florida

MoneyGeek wants to help pet owners in Florida understand the typical options available in pet insurance policies. Options include:

  • Annual Reimbursement Limits: Ranges from $3k to unlimited
  • Deductible: $250 to $500, but some companies have higher or lower options
  • Bill Reimbursement Percentage: 70-90%

Some pet owners in Florida prefer cheaper policies with lower coverage limits. Others may need insurance with higher coverage limits to guarantee adequate coverage. Higher-limit policies are often more expensive, but the average pet owner may not require unlimited insurance.

These policies provide the highest level of protection for your four-legged family member. MoneyGeek recommends the average coverage amount listed below for Florida pet insurance customers.

Cheapest Pet Insurance in Florida by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pets Best
    $16
  • $10,000
    GEICO
    $34
  • Unlimited
    Pets Best
    $34

Consider a plan with a low annual maximum, high deductible and a low reimbursement percentage if you're on a tight budget. The chart below compares Florida's pet insurance policies with a $5,000 coverage limit, a $500 deductible and an 80% reimbursement rate.

Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pets Best
    $16
  • Pet Plan
    $24
  • GEICO
    $24
  • Embrace
    $24
  • ASPCA
    $27
  • Hartville
    $27
  • 24 Pet Watch
    $32
  • Figo
    $35
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • GEICO
    $34
  • Embrace
    $34
  • 24 Pet Watch
    $48
  • ASPCA
    $49
  • Hartville
    $49
  • Spot
    $49
  • Figo
    $51
  • Pumpkin
    $57
  • Nationwide
    $80
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Pets Best
    $34
  • Healthy Paws
    $47
  • Trupanion
    $55
  • Figo
    $67
  • Pet Plan
    $72
  • Spot
    $91

The Best Cheap Pet Insurance by City in Florida

Aside from factors like your pet's age and breed, your location in Florida can affect your ability to purchase the cheapest pet insurance in Florida. Many cities, such as Miami, have a higher cost of living than other cities, resulting in high veterinarian medical expenses and increased policy premiums.

In some cities, weather, traffic and other hazards may increase the likelihood of injury to your pets, leading to higher premiums. Your chosen coverage level also affects your monthly pet insurance payments.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Cape Coral
    $5k: Pets Best, $14
    $10k: Embrace, $30
    Unlimited: Pets Best, $30
  • Fort Lauderdale
    $5k: Pets Best, $22
    $10k: Embrace, $37
    Unlimited: Healthy Paws, $38
  • Hialeah
    $5k: Pets Best, $17
    $10k: Embrace, $37
    Unlimited: Pets Best, $37
  • Jacksonville
    $5k: Pets Best, $14
    $10k: Embrace, $30
    Unlimited: Pets Best, $30
  • Miami
    $5k: Pets Best, $16
    Unlimited: Pets Best, $36
    $10k: Embrace, $42

MoneyGeek used city-based data in Florida by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.

What Factors Impact Pet Insurance Cost in Florida?

Factors such as your location, coverage level, and the type of pet and its age determine your pet insurance cost. Most insurers allow customization of coverages to suit the needs of each pet.

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    Annual Reimbursement Limits

    The annual reimbursement or coverage limit refers to the maximum amount that the insurance provider will pay toward your pet's medical bills each year. Coverage limits vary from $3,000 to unlimited.

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    Deductible

    Generally, deductibles for pet insurance range from $250 to $500. The smaller the deductible, the higher the monthly premium. The higher your deductible, the lower your pet insurance will cost.

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    Bill Reimbursement Percentage

    This percentage refers to the medical expenses that the insurance provider will reimburse you for your pet. For example, if you meet your deductible and get a $1,000 bill with a 90% bill reimbursement ratio, you must pay $100 to the veterinarian and the rest will be reimbursed.

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    Breed

    Insurance for dogs is often more expensive than insurance for cats, and insurance for bigger breeds or those with proven congenital health problems may also carry higher costs.

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    Animal Age

    The older your pet gets, the more expensive their insurance becomes. This is because most older pets acquire health problems as they age.

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    Location

    The pricing is also affected by your location. Your costs may be higher if you reside in a region with a higher cost of living or if there are additional environmental concerns like traffic congestion or severe weather.

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    Multi-Pet Discounts

    Certain insurers give discounts to those who insure multiple pets under the same brand.

FAQ’s About Pet Insurance in Florida

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data enables us to make more informed financial decisions. For pet insurance, our team gathered hundreds of quotes from the 13 largest providers to guarantee you get the best pet insurance suiting your pet’s needs.

MoneyGeek created a thorough rating system to find the best pet insurance companies in Florida by assessing each company's offerings and rates. We weighted affordability by coverage level at 50% of the overall score and our 24 qualitative research policy choice data points at 50% for the MoneyGeek rating score.

MoneyGeek obtained quotes from companies across several zip codes in Florida for four pet types with the following coverage levels to identify the cheapest pet insurance providers in the state. We used these figures to calculate our affordability scores in our rankings.

  • Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
  • Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
  • High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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