Get the Best Pet Insurance in Florida in 2024

Sponsored by Figo Pet Insurance

For pet parents in Florida, choosing the right pet insurance can be tough. With various options, coverage levels, premiums, and deductibles, it's important to know what to look for in a policy.

This guide will help you understand pet insurance and find the best coverage for your pet in Florida. We'll outline the costs, compare plans from top insurers, and highlight key protections and laws specific to The Sunshine State. By the end, you'll be equipped to make an informed decision on the best pet insurance plan for your dog or cat.

Summary: Best Florida Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 07/22/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Florida?

According to our research, Florida pet insurance costs an average of $39 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $75 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Florida cities: Jacksonville, a major urban center, and Plantation, an average-sized city for the state.

It's important to note that your own Florida pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

In addition, various other factors can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare Florida pet insurance plans carefully and choose a policy that suits your budget and your pet's specific needs.

Cost of Pet Insurance for Dogs in Florida

According to our research, the average cost of pet insurance for a three-year-old, medium-sized, mixed-breed dog in Florida is $39 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with an annual deductible of $250 and an 80% reimbursement rate, costs $75 monthly.

Cost of Pet Insurance in Florida by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Florida:

Cost of Pet Insurance for Cats in Florida

Pet insurance for cats is significantly cheaper than it is for dogs in Florida. The average monthly cost for cat insurance in Florida ranges from $20 to $34, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Florida by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Florida pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Florida

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

Typically, this type of policy covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, often covering injuries from accidents like cuts, broken bones, and sprains. This can include vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates determine the percentage of a vet bill that will be paid back to you after you've met your deductible. Reimbursement levels offered by pet insurance companies usually range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher premiums, so you'll need to find the right balance that works for your budget and pet’s needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from days to months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods, because no claims can be made for an accident or illness that occurs during a waiting period.

How to Find the Best Pet Insurance in Florida

When exploring pet insurance options in Florida, it's important to think about how living in The Sunshine State could affect what you need from your pet insurance policy.

Natural disasters, particularly hurricanes and severe storms, can occur in Florida and may lead to unexpected accidents or injuries for your pet. Additionally, the state's diverse wildlife, including raccoons, rats, snakes, and alligators, can pose various threats to your furry friend.

Given these factors, pet parents should look for insurance policies that provide a broad range of coverage and support. Here are some critical features to consider when choosing the best pet insurance plan in Florida:

• 24/7 vet helpline. Access to a round-the-clock veterinary helpline for advice on emergency care or general health questions can be incredibly valuable – especially in a state where natural disasters and wildlife pose potential risks.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness/routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Having coverage for exam fees may result in considerable savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Florida Pet Laws

Florida has specific laws in place to protect pets and their owners. Here are key laws and regulations affecting pet owners in the state:

• Leash laws. Florida does not have a statewide leash law, but many counties and cities have their own regulations. Be sure to check with your local government for specific leash laws in your area.
• Animal cruelty laws. Florida has strict laws against animal abuse and neglect, with severe penalties for violators. These laws are designed to protect animals from harm and ensure their welfare is maintained.
• Vaccination requirements. The state of Florida mandates that all cats and dogs be vaccinated against rabies. This requirement is enforceable by law, ensuring that pets and the public are protected from this deadly disease.
• Dog bite law. Florida's statewide dog bite law operates under "strict liability." This means owners are liable for any injuries their dog causes, regardless of their past behavior or the owner's knowledge of potential aggressiveness. If a dog bites someone in public or lawfully on private property, the owner is responsible for the damages. This ensures victims of dog bites can receive compensation without proving the owner's negligence.

Miami Pet Laws

As one of the largest cities in Florida, Miami also has specific laws and regulations related to pets. Here are some key points to keep in mind if you're a pet owner in The Magic City:

• Leash and tether laws. Dogs must be leashed at all times when off your private property. It's illegal to tether a dog if you are not present, and pets being transported in the back of a pickup truck must be secured in a carrier.
• Pet limits. In residential properties, you can have up to four dogs on less than one acre, six dogs on one to two acres, and up to eight dogs on two acres or more. Owning more than eight dogs requires a kennel license.
• Barking ordinance. Excessive barking that disturbs the peace and quiet of a neighborhood can be considered a nuisance. Pet parents may face fines if their dogs continuously bark and cause disturbances.
• Vaccination and licensing. Dogs, cats, and ferrets must be vaccinated against rabies starting at four months old, with vaccinations updated as per the vaccine manufacturer's guidelines. In addition, all dogs must be licensed annually and wear their tags at all times.
• Travel regulations. People traveling with pets must ensure they're safely restrained in vehicles. For example, pets in the back of open trucks must be in secured carriers to prevent accidents or injuries during transport.

Tampa Pet Laws

Tampa, a vibrant city in Florida, has specific laws and regulations to ensure the safety and well-being of pets. Here are a few things to keep in mind if you're a pet owner in The Big Guava:

• Leash and tether laws. Pets must be leashed at all times when off their owner's property. Unattended tethering of dogs is prohibited unless the owner is present and can see the dog. Violations can result in fines ranging from $100 to $500.
• Vaccination and licensing. All dogs, cats, and ferrets must be vaccinated against rabies starting at four months old and must be licensed annually. Pets must wear their tags at all times to show they're up to date on their vaccinations and registration.
• Nuisance noise. Excessive barking that disturbs the peace can be considered a nuisance. Pet parents may face fines if their dogs continuously bark and cause disturbances in the neighborhood for a period of more than 20 minutes.
• Pet limits and licensing. In Tampa, there are regulations on the number of pets allowed based on property size. Additionally, all pets must be registered with the county and have a valid license tag.

Orlando Pet Laws

Orlando, known as The City Beautiful, has specific regulations to ensure the well-being and safety of pets. Key points include:

• Leash laws. Dogs must be on a leash no longer than 6 feet long at all times when in public spaces. The only exception is designated dog parks.
• Pet waste disposal. Pet owners are required to pick up after their pets to maintain cleanliness in public areas. Failing to do so can result in fines, as un-scooped pet waste is considered a public nuisance.
• Dog-in-car laws. Orlando enforces regulations against leaving pets in hot cars. While there is no specific law criminalizing this, it falls under the state's general animal cruelty laws. Rescuing a dog from a hot car must involve calling 911 before entering the vehicle and waiting with the animal until law enforcement arrives.
• Vaccination and licensing. All dogs, cats, and ferrets over four months old must receive an annual rabies vaccination and be licensed. This measure helps safeguard both pets and the public from rabies.

Common Pet Risks in Florida

Florida's warm climate and diverse environment pose unique health risks for pets. Here are some specific risks to watch out for:

• Heat stroke. Florida's high temperatures and humidity can easily lead to heat stroke in pets. Ensure your pets are well-hydrated, have access to shade, and avoid walking them during peak heat hours to prevent heat-related illnesses.
• Fleas and ticks. The warm and humid climate in Florida makes it an ideal environment for fleas and ticks year-round. Regular preventive treatments and thorough checks after outdoor activities are crucial to keep your pets free from these pests.
• Toxic plants. Florida is home to a variety of toxic plants such as oleander, azaleas, and cycads (including sago palms). Pet parents should be vigilant about the plants their pets may come into contact with and ensure they do not ingest any harmful foliage.
• Hurricanes and flooding. Florida's hurricane season poses significant risks, including flooding and displacement. It's essential to have a disaster preparedness plan in place for you and your pets, including evacuation routes and emergency supplies.
• Heartworm disease. Mosquitoes in Florida are prevalent year-round, posing an elevated risk of heartworm disease for dogs. Regular heartworm prevention medication is essential to protect your pets from this potentially fatal condition.
• Wildlife encounters. Florida's diverse wildlife, including alligators, snakes, and large birds of prey, can pose dangers to pets. Always supervise your pets outdoors and avoid areas known for wildlife activity to prevent encounters.
• Red tide. Algal blooms, known as red tide, occur along Florida's coasts and can be harmful to pets if they come into contact with contaminated water or eat affected marine life. Keep pets away from affected beaches and bodies of water during red tide events.
• Blue-green algae. Freshwater lakes and ponds in Florida can sometimes experience blue-green algae blooms, which are toxic to pets. Avoid letting your pets swim in or drink from bodies of water with visible algae blooms.

Veterinary Costs in Florida

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Florida is $67. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Florida

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Florida:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Florida. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Florida FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens