Best Pet Insurance In Florida For 2024
For pet insurance in Florida, Lemonade Pet Insurance takes the top spot.
We’ve saved shoppers an average of $350 per year on their pet insurance.
I thoroughly researched different pet insurance options to find the best overall coverage for a variety of needs. Lemonade Pet Insurance came out on top as the best all-around pet insurance provider in Florida.
In the following sections, we’ll review some of Florida’s leading pet insurers and discuss how various factors affect your insurance rates.
Best Pet Insurance Companies In Florida, 2024
Compare The Best Pet Insurance Companies In Florida
| Overall Rating | Best For | Average Annual Cost for Dogs | Average Annual Cost for Cats | Coverage Waiting Period | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
|
Affordable Coverage |
$35.18 |
$18.41 |
2 days for accidents and 14 days for illnesses |
Instant Quote |
| Lemonade Pet Insurance |
|
Owners Of Young Pets |
$35.18 |
$18.41 |
2 days for accidents and 14 days for illnesses |
Instant Quote |
| Embrace |
|
Cat Owners |
$48.25 |
$20.44 |
48 hours for accidents and 14 days for illnesses |
Instant Quote |
| ASPCA |
|
New Pet Owners |
$83.30 |
$38.67 |
Immediately for preventive care and 14 days for accidents and illnesses |
Instant Quote |
| Pets Best |
|
Owners Of Multiple Pets |
$41.39 |
$29.54 |
3 days for accidents and 14 days for illnesses |
Instant Quote |
| Lemonade Pet Insurance |
|
Overall Coverage |
$35.18 |
$18.41 |
2 days for accidents and 14 days for illnesses |
Instant Quote |
Best Pet Insurance Companies In Florida
Best Overall Coverage
Key Statistics
Why We Like Them
⇅A pet insurance company’s top position in a region depends on factors such as cost, customer service, and claim processing efficiency. In Florida, Lemonade Pet Insurance excelled in these categories, offering affordable monthly rates of $18.41 for cats and $35.18 for dogs. On top of its low rates, Lemonade is well-regarded by Florida pet owners for providing exceptional customer service and demonstrating a sincere dedication to pets.
Benefits & Drawbacks
⇅- A 48-hour waiting period following an accident
- Best-in-class claims handling unit
- Many discounts are available.
- Part of the monthly fees supports charitable organizations. ✓
- Enrollment for certain pet breeds is subject to age restrictions.
- Regulations aren't available in every state.
- Pet insurance costs are influenced by the owner's credit score and previous insurance claims. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Many pet owners strive to protect their pets but often believe that pet insurance is pricey. Lemonade Pet Insurance debunks this misconception with budget-friendly options. On average, cats are covered for $18.41, and dogs for about $35.18. To make it even more affordable, Lemonade offers discounts like bundling, which can reduce costs by up to 15%. Their mobile app also makes managing policies simple and convenient.
Benefits & Drawbacks
⇅- Two-day waiting period following accidents.
- Speedier claims resolution than top competitors.
- There are numerous discounts available for you.
- Some of your premium funds non-profit groups. ✓
- Coverage for certain pet breeds expires once they reach a particular age.
- Your state of residence affects coverage limitations.
- Insurance premiums for pet owners depend on their credit and previous claims. ✘
Best For New Pet Owners
Key Statistics
Why We Like Them
⇅New pet owners should consider a provider with a solid reputation for animal health support, such as ASPCA. While ASPCA’s premiums are higher, at $38.67 for cats and $83.30 for dogs, the added cost comes with valuable perks. Notably, there are no age restrictions for senior pets, and ASPCA also offers coverage for behavioral issues and alternative therapies, ideal for certain dog breeds.
Benefits & Drawbacks
⇅- Included in the coverage are diverse items like alternative treatments, behavioral challenges, and conditions from birth.
- If you have cruciate injuries, you'll need to wait just 14 days.
- There's a vet hotline open around the clock for remote consultations.
- Typical policies include coverage for vet clinic visits due to sickness and accidents. ✓
- An agent is required to access unlimited annual coverage.
- The deductible choices are quite restricted. ✘
Best For Cat Owners
Key Statistics
Why We Like Them
⇅Cat owners in Florida seeking reliable insurance should look into Embrace Pet Insurance. With plans averaging $20.44 per month, they offer affordable options. What sets them apart is their $2 donation to charity for every policy sold. Additionally, Embrace is the trusted partner for major insurance providers like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- There are economical policy selections to consider.
- Most common insurance plans include provisions for treatable existing medical conditions.
- Owners of pets needing orthopedic care can avoid delays by getting a vet's examination. ✓
- Pets 14 years and older qualify solely for accident insurance.
- Basic policies do not offer additional coverage. ✘
Best For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Adopting a young pet can be a thrilling experience for families, but the responsibilities of a new kitten or puppy can quickly become overwhelming. Along with training, it’s important to choose a pet insurance provider that simplifies coverage management. Lemonade Pet Insurance offers a great combination of affordability and ease, thanks to its user-friendly mobile app and outstanding customer service. With average premiums of $18.14 for cats and $35.18 for dogs, Lemonade is a top pick for those with young pets.
Benefits & Drawbacks
⇅- Pet injury coverage kicks in after just a 2-day waiting period for policyholders.
- Processing of claims happens swiftly.
- There are many discounts available to policyholders.
- A fraction of the premium paid by the policyholder goes to nonprofit causes. ✓
- Insurance coverage for certain pet breeds ends once they reach a certain age.
- This policy does not include every state in the U.S.
- The cost of insurance is influenced by the pet owner's credit rating and history of claims. ✘
Best For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅While caring for multiple pets can mean extra spending on food and toys, it can also lower your pet insurance costs. Providers like Pets Best offer discounts for insuring more than one pet. They also have budget-friendly premiums, averaging $29.54 per month for cats and $41.39 for dogs. Pets Best provides additional benefits, including 24/7 vet helpline access and coverage for animals with special needs or prosthetics.
Benefits & Drawbacks
⇅- We cover pets that use wheelchairs or prosthetics.
- If you need veterinary help at any time, just call the 24/7 vet health hotline.
- You only need to wait three days before accident coverage kicks in.
- There are various coverage options available for accident and illness insurance. ✓
- Claims are processed at a slower pace compared to rivals.
- Alterations to policies must coincide with the renewal period. ✘
How To Find The Best Pet Insurance Company For You
Getting pet insurance is similar to securing your own health or life insurance. It’s crucial to compare different rates and coverage options. First, though, you need to understand the essential elements of a pet insurance policy. Most insurers provide either accident-only coverage or a more extensive plan that covers both accidents and illnesses.
Accident-only coverage is generally ideal for younger pets with fewer age-related concerns, whereas comprehensive plans are preferable for breeds with higher health risks. Also, pay attention to the waiting period, as each provider has its own rules for accidents and illnesses.
Largest Pet Insurance Companies In Florida
| Company Name | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | .73% |
| Pumpkin Pet Insurance | .48% |
How To Buy Pet Insurance In Florida
The process of obtaining pet insurance is uncomplicated, especially with platforms like Insuranceopedia.
Before proceeding, collect all essential details, including your pet’s type, breed, age, medical background, and any documentation about their lineage.
Select the appropriate coverage amount and deductible that fit your pet’s needs.
Request quotes from a minimum of three pet insurance providers to evaluate your choices.
Buy your pet insurance policy and inform your vet about the new coverage.
Average Pet Insurance Cost In Florida — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $18 |
| Sphynx | $19 |
| Siamese | $22 |
| Maine Coon | $24 |
Average Pet Insurance Rates In Florida — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Affenpinscher | $20 |
| Labradoodle | $37 |
| Greyhound | $69 |
| Newfoundland | $88 |
Average Cost Of Accident-Only Coverage In Florida
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $27 |
| Pets Best | $32 |
| TrustedPals | $36 |
| Figo | $47 |
| ASPCA | $56 |
Average Cost Of Comprehensive Pet Insurance In Florida
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $36 |
| Pets Best | $35 |
| Lemonade | $50 |
| Trusted Pals | $45 |
| Healthy Paws | $53 |
Factors That Impact Cost Of Your Pet Insurance Policy In Florida
Pet owners often think that only one or two factors determine their pet’s monthly insurance cost. However, several elements influence the price, such as:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet
The kind of pet you own significantly impacts your pet insurance premiums. Typically, dog owners face costs 2-3 times higher than cat owners due to dogs’ increased outdoor exposure.
Breed
Just as with the type of pet, your pet’s breed affects insurance costs. Certain breeds, like boxers and bulldogs, are more prone to health issues, leading to higher premiums, even though most breeds don’t affect rates significantly.
Age
Your pet’s age plays a major role in determining insurance quotes. Some providers offer affordable rates for pets of all ages, while others may exclude older pets. Shopping around is crucial if your pet is a senior.
Insurance Type
Pet insurance usually offers two main plans: accident-only or accident and illness coverage. Comprehensive coverage is more expensive but offers broader protection. Evaluate whether the extra cost is justified.
Location
Insurance premiums can also vary by region. Although the difference between cities is generally small, some areas may have higher premiums due to a higher frequency of claims.
Pet Insurance Discounts In Florida
Pet insurance costs in Florida can differ based on your location, similar to health insurance. To reduce your expenses, check out available discounts. Not all pet insurance companies provide the same discount options, but consider the following:
- Employer-related discounts
- Multi-pet discounts
- Discounts through employee unions
- Discounts from wholesale or special interest groups
- Discounts for multiple policies
- Discounts for military members and veterans
- Discounts for senior citizens
- Discounts for purchasing online
- Discounts for those working in animal care
- Discounts for service animals
Our Methodology
In our quest for affordable pet insurance in Florida, we thoroughly reviewed information from various providers. Our team, with over two decades of insurance expertise, provided valuable input. Please note, the rates in this guide are current, but premiums can change daily, influenced by factors such as your pet's age and breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do all vets take pet insurance in Florida?
Veterinary clinics across Florida accept pet health insurance, with the understanding that owners first settle their vet bills and are then reimbursed by their pet insurance company.
How much is pet insurance in Florida?
As observed across the country, pet insurance premiums for cats in Florida are generally lower than for dogs. Cat insurance typically costs $27.56 per month, whereas dog insurance averages $48.81 per month.
Do I legally have to insure my pet in Florida?
While pet insurance is recommended for your furry friends, keep in mind that in Florida, you are not legally required to insure your dog or cat.
