You might be using an unsupported or outdated browser. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website.

Best Pet Insurance In Florida 2024

Insurance Writer
Lead Editor, Insurance

Fact Checked

Updated: Jan 3, 2024, 7:30am

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

With the popularity of pet insurance, it seems a new company pops up every day. Identifying the insurer that fits your pet’s needs may leave you puzzled. Florida pets can be exposed to unique risks such as injuries—from extreme weather conditions or sickness from interacting with a poisonous creature.

If you live in the Sunshine State, here’s how to find the best pet insurance in Florida for your furry companion.

Why you can trust Forbes Advisor

Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate insurance companies, so all companies are measured equally. You can read more about our editorial guidelines and the methodology for the ratings below.

  • 32 coverage categories evaluated
  • 4,066 pet insurance rates crunched
  • 102 years of insurance experience on the editorial team

Read more

Best Pet Insurance in Florida

Here are the best pet insurance companies in Florida:

  • Pets Best – Great For Choices Of Deductible
  • Embrace – Best For Superior Benefits
  • Figo – Great For Short Waiting Period For Accident Coverage
  • Prudent Pet – Great For Extras
  • TrustedPals – Great For Service Dogs

GREAT FOR CHOICES OF DEDUCTIBLE

Pets Best

Pets Best
5.0
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$5,000 or Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$50, $100, $200, $250, $500, $1,000

Pets Best
Compare Plans Arrow

Via PetInsurer.com's Secure Website

$5,000 or Unlimited

70%, 80%, 90%

$50, $100, $200, $250, $500, $1,000

Editor's Take

Pets Best combines great coverage with a good price. Its wide range of deductible choices helps you budget for possible claims.

More: Pets Best Pet Insurance Review

Pros & Cons
  • Has a 24/7 pet telehealth line
  • Accident coverage waiting period of only 3 days
  • Ample range of deductible choices
  • Routine wellness plans available
  • Can pay your vet directly if the vet agrees, so you don’t have to pay and wait for reimbursement
  • Multipet discount of 5% per pet
  • 6-month waiting period for coverage of cruciate ligament issues

BEST FOR SUPERIOR BENEFITS

Embrace

Embrace
4.5
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$5,000, $8,000, $10,000, $15,000, $30,000

Reimbursement choices

70%, 80%, 90%

Deductible choices

$200, $300, $500, $750, $1,000

Embrace
Compare Plans Arrow

Via PetInsurer.com's Secure Website

$5,000, $8,000, $10,000, $15,000, $30,000

70%, 80%, 90%

$200, $300, $500, $750, $1,000

Editor's Take

Embrace’s plan earned the highest score for pet insurance benefits among the plans we evaluated. Its wide variety of options for coverage, reimbursement and deductible can help you work within your budget.

More: Embrace Pet Insurance Review

Pros & Cons
  • Has a 24/7 pet telehealth line
  • Waiting period of only 2 days for accident coverage
  • Excellent range of options for annual coverage, reimbursement and deductibles
  • Covers the veterinarian office visit fee for illness and accidents
  • Optional wellness plan available
  • Comes with a “diminishing deductible” that reduces the deductible by $50 for every year you
  • don’t have a claim paid
  • Waiting period of 6 months for coverage of orthopedic conditions

GREAT FOR SHORT WAITING PERIOD FOR ACCIDENT COVERAGE

Figo

Figo
4.0
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$5,000, $10,000, Unlimited

Reimbursement choices

70%, 80%, 90%, 100%

Deductible choices

Varies by pet age

Figo
Compare Plans Arrow

Via PetInsurer.com's Secure Website

$5,000, $10,000, Unlimited

70%, 80%, 90%, 100%

Varies by pet age

Editor's Take

Figo pet insurance has a competitive price and helps customers form social groups with other doggy-minded individuals.

More: Figo Pet Insurance Review

Pros & Cons
  • Has a 24/7 pet telehealth line
  • Short 1-day waiting period for accident coverage
  • Offers a 100% reimbursement option
  • Routine wellness plans available
  • The Figo Pet Cloud helps you find pet-friendly places and connect with other pet owners for activities such as doggy play dates
  • Offers an upgrade that covers special circumstances, such as advertising and rewards for lost pets, vacation cancellation due to a pet emergency and loss of a pet due to theft or straying
  • Coverage for vet exam fees has to be added on for an extra cost
  • Deductible choices vary depending on pet age and lower deductibles are not available at higher ages
  • Only covers prescription food if it’s needed to treat bladder stones or crystals
  • Does not cover dental illnesses
  • 6-month waiting period for knee injury coverage

GREAT FOR EXTRAS

Prudent Pet

Prudent Pet
4.0
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$10,000 or Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500, $1,000

Prudent Pet
Compare Plans Arrow

Via PetInsurer.com's Secure Website

$10,000 or Unlimited

70%, 80%, 90%

$100, $250, $500, $1,000

Editor's Take

Along with good fundamental coverage, Prudent Pet’s Ultimate plan can cover a range of extras.

More: Prudent Pet Pet Insurance Review

Pros & Cons
  • Accident coverage waiting period is only 5 days
  • Extra perks such as coverage for boarding fees if you become hospitalized and reimbursement for advertising and rewards if your pet gets lost or is stolen
  • Multipet discount of 10%
  • Optional wellness plan available
  • Has a 24/7 pet telehealth line
  • No option to pay the vet directly

GREAT FOR SERVICE DOGS

TrustedPals

TrustedPals
4.0
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$4,000, $8,000, Unlimited

Reimbursement choices

70%, 80%, 90%, 100%

Deductible choices

$0, $100, $250, $500, $750

TrustedPals
Compare Plans Arrow

Via PetInsurer.com's Secure Website

$4,000, $8,000, Unlimited

70%, 80%, 90%, 100%

$0, $100, $250, $500, $750

Editor's Take

TrustedPals is a good place to look if you want a wide range of choices for annual coverage, reimbursement and deductible. It also has very competitive pricing.

More: TrustedPals Pet Insurance Review

Pros & Cons
  • Covers the veterinarian office visit fee for illness and accidents
  • Hard-to-find $0 deductible or 100% reimbursement options available
  • Optional wellness plan available
  • 5% discount for service dogs
  • No 24/7 pet telehealth line
  • 12-month waiting period for coverage for cruciate ligament or hip dysplasia

Summary: Florida Pet Insurance Ratings

Company Forbes Advisor Rating Reimbursement Choices Deductible Choices View More
Pets Best 5.0 5-removebg-preview 70%, 80%, 90% $50, $100, $200, $250, $500, $1,000 Compare Plans Via PetInsurer.com's Secure Website
Embrace 4.5 4.5-removebg-preview 70%, 80%, 90% $200, $300, $500, $750, $1,000 Compare Plans Via PetInsurer.com's Secure Website
Figo 4.0 4-removebg-preview 70%, 80%, 90%, 100% Varies by pet age Compare Plans Via PetInsurer.com's Secure Website
Prudent Pet 4.0 4-removebg-preview 70%, 80%, 90% $100, $250, $500, $1,000 Compare Plans Via PetInsurer.com's Secure Website
TrustedPals 4.0 4-removebg-preview 70%, 80%, 90%, 100% $0, $100, $250, $500, $750 Compare Plans Via PetInsurer.com's Secure Website
ASPCA 3.5 3.5-removebg-preview 70%, 80%, 90% $100, $250, $500 Learn More Read Forbes' Review
Nationwide 3.5 3.5-removebg-preview 50%, 70%, 90% $250 Compare Plans Via PetInsurer.com's Secure Website
Spot 3.5 3.5 70%, 80%, 90% $100, $250, $500, $750, $1,000 Compare Plans Via PetInsurer.com's Secure Website
Healthy Paws 3.0 3-removebg-preview Varies by pet’s age and type Varies by pet’s age and type Compare Plans Via PetInsurer.com's Secure Website
Trupanion 2.0 2-removebg-preview 90% $0 to $1,000 Compare Plans Via PetInsurer.com's Secure Website

How Much Does Pet Insurance in Florida Cost?

Costs for Florida Pet Insurance With $5,000 Annual Maximum Coverage

The cost of pet insurance can vary by location, among other factors.

Company Monthly pet insurance cost in Florida
Pets Best
$18
TrustedPals
$29
Embrace
$37
Figo
$40
ASPCA
$42
Spot
$44
Costs are for a plan with a $5,000 annual coverage maximum ($4,000 for TrustedPals), a $250 deductible ($200 for Embrace) and 90% reimbursement level. Source: PetInsurer.com.

Costs for Florida Pet Insurance With Unlimited Annual Maximum Coverage

Company Monthly pet insurance cost in Florida
Pets Best
$26
TrustedPals
$34
Embrace
$47
Figo
$47
Nationwide
$48
Prudent Pet
$49
Healthy Paws
$50
Trupanion
$71
Spot
$96
Costs are for a plan with unlimited annual coverage ($30,000), a $250 deductible ($200 for Embrace and Healthy Paws) and 90% reimbursement level.
Source: PetInsurer.com.


Types of Pet Insurance Plans

At first glance, pet insurance offerings may seem confusing. But fortunately, pet insurance plans usually break down into three categories: accident and illness plans, accident-only plans, and wellness and routine care plans.

Accident and Illness Plans

Whether your kitten mistakenly gets a little too playful with a Bufo toad or your bulldog overheats while on a walk, accident and illness plans cover a wide range of health-related expenses. These plans cover everything from injuries like bone fractures to illnesses like ear infections to more severe illnesses like diabetes. They can also cover hospitalizations, surgeries, X-rays, MRIs, blood tests and behavioral issues.

Accident-Only Plans

This type of plan covers any accident-related vet costs. If your pet gets bitten by a poisonous snake in the backyard or injures its paw while running on the beach, accident-only plans can cover the costs involved to help your pet heal. Keep in mind these plans don’t cover any illness-related costs.

Wellness and Routine Care Add-On

Your pet also requires preventive care to keep them healthy, such as vaccinations, routine check-ups and flea/tick prevention. To help pay for these costs, some pet insurers offer wellness and routine care add-ons that you can choose to include in your accident and illness plan (at an additional cost).


How Pet Insurance Works

When you select a pet insurance policy in Florida, you usually have several elements that make up each plan that determines the cost you pay for coverage. Here’s how pet insurance works:

Premiums

Several factors can influence your monthly cost of coverage. These factors include:

  • Your pet’s age, gender and breed
  • Your ZIP code
  • Coverage amounts
  • The insurance company you choose

For example, if you have a cat, you will generally pay less for coverage than someone who owns a large dog.

Deductible

A deductible is the amount of the veterinary bill you’re responsible for before your pet insurance coverage starts. For example, an insurer may give you the option to choose among a $250, $500 and $1,000 deductible. Choosing a smaller deductible will increase the monthly cost of your policy.

Reimbursement Level

Your reimbursement level dictates the portion of the vet bills you must pay. For example, if you choose a 70% reimbursement level, you’re responsible for 30% of the vet costs (after the deductible). Choosing a lower reimbursement level will lower your monthly costs. However, you will have to pay more every time you make a trip to the vet.

Annual Coverage Cap

Some pet insurers apply an annual coverage limit to a policy. This means they will only pay claims up to a certain amount per year. For example, if you choose a $5,000 coverage limit, you must pay out-of-pocket for any vet bills that exceed this amount in a given year. Some pet insurance plans offer an unlimited coverage option.


How to Find the Best Pet Insurance in Florida

Understanding the basic mechanics of a pet insurance policy is only half the battle. Because the details of pet plans vary, it’s crucial to identify the things that matter most when insuring your pet. When comparing your options, here are some things you to take a closer look at.

Exam Fees

When you make a trip to visit the vet, you’re usually charged an exam fee. Unfortunately, not all pet insurance plans cover exam fees.

Waiting Periods

After you buy a pet insurance policy, you typically have to wait a few days or a couple of weeks before your insurance company will reimburse you for vet costs. The length of time you must wait depends on the insurance company’s terms. It’s wise to find a policy with shorter waiting periods because you never know when your pet will get sick or injured. For example, Healthy Paws has a 15-day accident waiting period, while Embrace has a two-day accident waiting period.

Also, some companies like Pets Best have extended waiting periods for certain conditions like cruciate ligament issues or hip dysplasia, while others do not. If your pet is possibly susceptible to these conditions, it’s best to look for an insurance company that doesn’t have extended waiting periods.

24/7 Vet Helplines

Let’s say your new pup has an encounter with a poisonous plant on a Sunday afternoon. In this case, your vet might not be available to walk you through the best care options. Many pet insurance companies offer 24/7 vet helplines to answer health care-related questions. Selecting a company that offers this perk may ease your mind.

Plans That Pay the Vet Directly

When you visit the vet, you usually pay the entire bill up front. Then, your pet insurance company will reimburse you for expenses after you submit a claim. However, some pet insurance companies like Pets Best can pay the vet directly if the vet approves the transaction.

Multipet Discount

Some insurance companies offer a multipet discount. For example, Spot offers a 10% discount for insuring more than one pet. Companies may also offer extra discounts like a military discount or a claims-free discount.

Plans Offering Routine Wellness Coverage

If you’re looking for a pet insurance plan that offers preventive care coverage, you need an insurance company that offers a wellness and routine care plan. Since routine care can cost a few hundred dollars per year, adding wellness coverage to your policy may help minimize the out-of-pocket cost to keep your pet healthy.

Extra Benefits

You may get additional perks with some insurance companies. For example, Prudent Pet gives policyholders a $15 Amazon gift card every time they refer a friend to a policy. Another example is Nationwide, which gives policyholders special prescription pricing at Walmart pharmacies.

Compare Pet Insurance Quotes

Compare 10+ Leading Pet Insurers In Minutes


Florida Pet Laws

On October 1, 2023, the Authorization of Restrictions Concerning Dogs law went into effect in Florida. This law overturns breed bans by local governments in Florida, including a 1989 Miami-Dade County ordinance that allows the county to euthanize pit bulls based on their breed. While the state law invalidates the county ban, residential communities are still allowed to ban specific dog breeds.

Beyond state laws, localities also have laws and regulations pertaining to pets. Here’s a sampling of local pet laws in Florida.

Jacksonville Pet Laws

Jacksonville residents must get annual rabies vaccinations for their dogs, cats and ferrets. They must also license all cats and dogs over four months of age each year.

Pet owners shouldn’t have more than four cats and/or dogs over the age of four months.

Dog owners must keep their pets on a leash when in public. The leash shouldn’t exceed eight feet at its maximum extension.

Only licensed, vaccinated pets are accepted in pet-friendly shelters in Duval County during major storms.

Miami Pet Laws

Miami-Dade County requires owners of dogs more than four months of age to license their pets. Dogs must wear their tags at all times. The county also offers tags for cats, though they’re not required.

Barking dogs and noisy birds may be considered a nuisance, which can result in a $100 fine. Homeowners with tenants who have nuisance pets may be responsible for their tenants’ animals and have to pay fines.

You shouldn’t tether a dog outdoors unless they are in your “visual range.” You also should make sure the tether won’t injure, strangle or entangle the dog and the pooch isn’t left out during extreme weather. The dog should also have access to water, shelter and dry ground. If your pet is on a pulley, running line or trolley system, it should be at least 15 feet in length and less than seven feet above the ground.

Orlando Pet Laws

Orange County residents with a dog, cat or ferret that are four months or older should vaccinate their pets.

Orlando has 10 dog parks, including Barber Park Dog Park, Dr. Phillips Dog Park, Independence Dog Park and Yucatan Dog Park. These areas are a chance for your pooch to run and enjoy other dogs’ company, but you must also follow the rules.

Rules include dogs must come when called by owners, aggressive dogs aren’t allowed, owners must have a leash at all times and owners should leash dogs when entering and exiting the park.

Tampa Pet Laws

Dog owners must vaccinate dogs, cats and ferrets against rabies if the pet is four months or older. Residents can vaccinate their pet annually or every three years depending on the vaccine. Those who don’t vaccinate their pets pay fines of at least $100 and up to $500 for multiple violations.

Hillsborough County residents shouldn’t allow pets to run freely when they are off-property. Owners should keep pets on a leash no longer than six feet and under control by their owner. At-large animals may lead to a fine of at least $100 and up to $500 for multiple violations.

Dog parents should not leave tethered dogs unattended outside. The dog owner should remain outside with any tethered dog, keep it within sight and the tether should safely restrain the dog and be connected to a buckle-type nylon or leather collar or body harness. Those who violate this bylaw may face fines of at least $370 and up to $1,000 for multiple violations.

Hillsborough residents should also prevent their dogs from biting or attacking a person or pet unprovoked. People cited for a vicious animal or aggressive dog may face fines of at least $450.


Common Pet Risks and Veterinary Costs in Florida

Hot weather and wildlife encounters can be dangerous to your pet. Here are some pet risks in Florida to be aware of:

  • Heat stroke. Excessive heat can be dangerous to cats and dogs. Symptoms of heat stroke and heat exhaustion include difficulty breathing, drooling, excessive panting, poor responsiveness, rapid heart rate, redness of the tongue, seizures, stumbling and vomiting.
  • Heartworm. Florida’s year-round climate means more mosquitoes that carry heartworm disease.
  • Plants. House plants such as dracaena, Easter lily, English and Algerian ivy, gloriosa lily and peace lily can be toxic to your pet. Landscape plants like azaleas, daylilies, lantana and oleander are also toxic. Onions and tomatoes can also be dangerous to dogs and cats.
  • Wildlife. Wild animals such as alligators, bufo toads, snakes and venomous spiders can be deadly to your pet. You can reduce the risk of harm to your pets by walking on well-worn roads and keeping your pets out of the basement and crawl spaces.

Veterinary Costs in Florida

The average vet visit cost in Florida is $58, according to a Forbes Advisor analysis of vet visit costs. If your pet has additional health care needs, like medical treatment, vaccines or prescription medication, your vet costs will be higher.

Here’s a look at vet visit costs in different cities in Florida.

City Average cost for a veterinary visit for one pet Average cost for a veterinary visit with additional pet Total cost for a veterinary visit with two pets
Tallahassee
$52
$41
$93
Jacksonville
$56
$44
100
Orange Park
$56
$44
100
Port St. Lucie
$56
$44
$100
Fort Lauderdale
$58
$46
$104
Miami
$58
$45
$103
Orlando
$58
$45
$103
Hialeah
$59
$46
105
St. Petersburg
$61
$47
$108
Tampa
$61
$47
$108
Average
$58
$45
$103
Source: Banfield Pet Hospital


Methodology

We used data provided by PetInsurer.com to score Florida pet insurance companies based on the following.

Average plan prices: Up to 40 points. We averaged pet insurance quotes for each insurer for a mixed-breed dog at two ages in Florida.

Plan benefits: Up to 60 points. We scored plans based on the following important features: Annual coverage choices, whether the plan can pay a veterinarian directly, access to a 24/7 vet line, availability of routine wellness coverage, whether the plan pays the vet exam fee, pet dental illness coverage, end of life coverage, and multipet discount.


Next Up in Pet Insurance


Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. First, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. Second, we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our partners who offer products that we have affiliate links for.
lorem
Are you sure you want to rest your choices?