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Pet Insurance in Florida

By: Justin Palmer

Justin Palmer

Justin Palmer is a Certified Pet Food Nutrition Specialist and co-founder of iHeartDogs.com. Inspired by his rescued husky, Splash, he dedicated himself to learning about extending both the length and quality of her life. Splash lived and thrived until 18 years old, and now Justin is on a mission to share what he learned with other dog owners.Read more
| May 4, 2022
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Choosing the right pet insurance company for you and your dog or other pets in Florida can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Florida and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Pet & Dog Insurance in Florida

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Florida and across the USA. Simply scroll to the right to view all the brands:

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote
Get Quote

iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Florida Pet Insurance FAQs

What pet insurance providers are in Florida?

Most of the popular insurance providers will provide service to customers in Florida. A few of the companies available include Spot, Embrace, Fetch, Healthy Paws, Prudent Pet, ASPCA Pet Health Insurance, Figo, and Pawp. Pets Best, Pet Plan, Hartville, and Metlife are also available for more options.

Embrace insurance offers first-rate benefits, while Pet’s Best has the best deductible choices. If you want the lowest out-of-pocket claims, then choose ManyPets insurance. Also, Lemonade has the best price for puppies. Finally, fetch offers telehealth pet visits which is a unique feature and a great option for those who live far from a veterinarian.

As you can see, each company has its own advantages and disadvantages. No pet insurance policy will work for every family or pet, which is why so many options are available on the market. Determine which features you need and can afford before choosing providers so the salespeople do not derail your needs.

What is the average cost of pet insurance in Florida?

The average monthly cost of pet insurance in Florida is $40 for dogs. Many other factors can change the price, so you should check with multiple companies before choosing pet insurance. Factors can include breed, age, location, customizations, and discounts. The average annual cost in the state for pets is around $1,300, and insurance will cover between 50 and 90 percent of the cost, depending on all factors.

Many insurance companies offer several discounts. For instance, many offer discounts for multiple pets. Some will give a discount for spayed and neutered pets, while others will give an annual premium discount or even a military discount.

Furthermore, plans change by the type of insurance plan you choose. For example, accident-only plans are popular for lower premiums but do not cover wellness or illness. However, an accident and illness plan will cover both but tend to have a higher premium. Usually, these add-on options include wellness, preventative measures, discounts, and options for senior dogs. Depending on the coverage limits, plan type, extra coverage, and policy customizations, you can anticipate increasing prices.

Is pet insurance worth it if you have money?

Pet insurance helps cover the costs of accidents and illnesses. Because veterinarian fees are relatively pricey, most families cannot afford vet costs. Insurance covers exorbitant pet health bills, making it worthwhile. Buying pet insurance at the right moment might save a lot of money.

The best benefit of health insurance for pets is the peace of mind you gain. One out of three dogs will need to visit a vet for illness or injury each year. With so many pets needing care, pet owners will not worry as much about their pets, knowing they have coverage for accidents and illness. Pet insurance can even save your dog’s life as many pet owners may have to choose euthanasia if they cannot afford an exorbitant bill upfront.

Pet insurance can cover wellness, accidents, illness, and conditions. If you cannot afford to take care of all of these pet needs out of pocket, then pet insurance is a smart purchase. Paying between $200 and $600 a year for a policy will save you thousands of dollars if your pet encounters health issues making it well worth the costs.

Can you get pet insurance if your dog is already sick?

Pet insurance does not cover pre-existing conditions. Aside from that, certain insurance companies will cover treatable disorders. But, overall, the vast majority of pet insurance companies will not cover a dog that is already sick and even make dogs get a physical and add a waiting period to prevent treating dogs who are already sick. For this reason, you should get pet insurance as soon as you bring your new puppy home before they have time to get sick or have a pre-existing condition.

Is pet insurance the same as health insurance?

Pet insurance is similar to human health insurance. Policies have exclusions, deductibles, and payment limits. Some insurance firms offer a wide range of coverage options, while others follow a one-size-fits-all strategy. Pre-existing illnesses, as well as genetic or congenital issues, are usually ruled out.

However, when it comes to wellness coverage or pet health insurance, the return on investment often has more disadvantages than advantages. On average, those with wellness coverage spend approximately the same amount as those who do not have coverage. Examine the many possibilities provided by each company, as they can vary greatly.

Is medication covered by pet insurance?

Yes, most pet insurance plans cover some or all of the cost of medications, including those for elderly dogs. Because older dogs require more medications, premium costs climb to compensate, making insurance companies more cost-effective.

Does pet insurance in FL go up every year?

Because the monthly premiums are the lowest when pets are young, the prices will increase in every state as pets age. However, most firms’ rates begin to grow four or five years later as the dogs get older. As a result, similar to health insurance for humans, the price is likely to rise sooner rather than later as your dog’s age increases.

How long do you have to have pet insurance before you can claim?

All pet insurance companies have a waiting period before covering a pet’s health issues to avoid covering pre-existing conditions. On average, the waiting period for illnesses is between 14 to 30 days. For accidents, the average is between 2 and 15 days. Some companies may appoint longer waiting periods for certain issues or breeds.

Is it too late for dog insurance?

If your pet is already sick or has a pre-existing issue, you will not get coverage. However, once your pet is well and you wait the preset waiting time, then your pet can get insurance if they do not have existing health problems.

What are the disadvantages of pet insurance in Florida?

While pet insurance can have many advantages, namely saving thousands on vet bills, companies have a yearly cap on covered costs. Furthermore, owners may be liable for some of the costs associated with accidents and illness.

Even if you have insurance, you may need cash upfront to pay the cost and then wait for the insurance company to repay you. Finally, just a few insurance providers provide coverage for routine treatment. All health concerns and routine appointments for health maintenance are not covered by insurance.

Which Florida insurance is best for my dog?

Every insurance provider has its own set of advantages and expenses, so deciding which is best for your family and pets is a personal decision. Some of the most popular options in Florida are Lemonade, Embrace, Fetch, Figo, Spot, Healthy Paws, Prudent Pet, Trupanion, and ASPCA Pet Health Insurance.

There are, however, a slew of additional possibilities with less well-known names that may be beneficial to different creatures. Only you know what your budgets and needs are for pet insurance. Do research on multiple options before determining which will work best for your family. Locally owned or smaller companies may offer discounts or lower prices to help grow their business.

What is a good rate for pet insurance in FL?

Depending on the factors available, the most affordable option for pet insurance in Florida is around a $30 starting price. However, some pet breeds can cost as low as $14, but you should expect closer to $30 to $40 per month, especially for dogs older than six months. Of course, the price will change for pets who are older too.

Is spaying covered by pet insurance?

Even though it is rare, certain pet insurance plans will help cover the costs of neutering and spaying dogs. However, coverage providers typically feature this service as an add-on to their entire product and service bundle. Therefore, you can expect to pay more for this addition to a policy.

Is it okay to not have pet insurance?

Owning a pet is costly, and most families cannot afford to pay hundreds of dollars for a veterinarian visit due to illness or injury. Ensuring your pet costs only a few dollars each month and guarantees that they get their medications. Veterinarian care prices rise every year with technological advancements and other factors. While pets will get better care, the prices are growing exponentially. Pet insurance is practically necessary for those who cannot handle major vet bills for accidents, breed problems, or illness.

Do dogs really need insurance in FL?

In an unexpected disaster, you will be reimbursed for 70 percent to 90 percent of your expenses. Although, Florida has lower veterinary costs by almost 7 percent based on the national average. These numbers are based on a six-month-old dog.

Also, dogs in Florida are more sensitive to environmental health risks such as high levels of phosphorus and nitrogen in the water, flooding, hurricanes, alligators, and high heat with humidity. All of these risks put pets in danger which is one of the reasons why pet insurance is worth the money, especially in Florida. Injury claims are among the most numerous in Florida, which is unsurprising.

Is pet insurance regulated in Florida?

Florida does not have regulations yet for pet insurance. However, the National Association of Insurance Commissioners (NAIC) is attempting to enhance pet health insurance and regulate the system to avoid a slew of problems and inconsistencies that can occur over time.

Is pet insurance required by law in FL?

While liability insurance may be required in Florida for hazardous pets, health insurance is not. However, many pet owners choose to maintain insurance for their dogs as it will assist with covering any health difficulties your pet may face during their lifetime.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member ❤️ - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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Thanks for reviewing our guide to comparing pet insurance brands. Below you find some additional pet insurance resources from iHeartDogs.com

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