Best Pet Insurance Companies & Plans in Florida (2022 Review)

by

Florida is a wonderful state for animals. Between the fantastic weather, beaches, dog parks, and many pet-friendly locations, pets and their owners are sure to have a great time. Part of being a great pet parent is ensuring that your pet receives veterinary care so that it can live its happiest and healthiest life. Unfortunately, vet bills can quickly become expensive, especially for emergency visits or chronic illnesses. It’s even estimated that one in three pets will need emergency care each year. Even if your pet is young or healthy, pet insurance can provide you with an important safety net should your pet need sudden care for an accident or illness. 

Interested in pet insurance in Florida? Our team at 365 Pet Insurance has compared the following pet insurance companies for you so that you can quickly gather information about what each provider has to offer: 

 

  •  Prudent Pet
  • Embrace
  • ASPCA
  • Healthy Paws
  • Spot

Most Customizable Plans

ASPCA Logo

OUR RATING: 4.6

Best Comprehensive Plans

Prudent Pet Logo

OUR RATING: 4.8

Best for Deductibles

Embrace Pet Insurance Logo

OUR RATING: 4.7

Provider Visit Site Waiting Period Money Back Guarantee Maximum Enroll Age BBB Rating
Prudent Pet Site Link 5 days for accidents, 14 days for illnesses*  Yes No age limit A+
Embrace Site Link 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
ASPCA Site Link 15 days*  Yes No age limit N/A
Healthy Paws Site Link 15 days* Yes 14 years old A-
Spot Site Link 14 days* Yes No age limit A

*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times. This is common among many pet insurance providers, but the majority of illnesses will be covered after the waiting period listed above.

Pet Insurance Companies in Florida Reviews

With so many pet insurance options to choose from, it can be overwhelming to know where to start. Every pet insurance company is different and will have different pet insurance plan options, rates, coverage, and other features, like charitable giving and user-friendly mobile apps that may persuade you to choose one over the other. 

To help you out, we’ve put together a list of the best pet insurance companies in Florida so that you can see what each provider offers and what their strengths and weaknesses are. 

Prudent Pet 

Prudent Pet is a great choice for pet parents who want unlimited annual coverage. Prudent Pet has several plan options with set annual caps, including its ultimate plan, which offers unlimited annual coverage. An unlimited plan means you don’t have to worry about hitting a cap if your pet needs extensive treatments for an accident or illness. It also offers wellness plans, which help cover routine care costs, such as vet exam fees and vaccinations. Currently, the company only provides coverage for dogs and cats. 

Like most pet insurance providers, Prudent Pet will not cover pre-existing conditions, cosmetic procedures, and grooming costs. The company doesn’t cover alternative therapies, travel expenses, and prescription food and diet costs. However, its coverage for accidents and illnesses is comprehensive, and it has a strong customer satisfaction rating and an A+ score from the Better Business Bureau. On average, you can expect to pay around $39 for your dog or $23 for your cat. Wellness plans will cost $13.95 per month for your cat and $19.95 for your dog. Prudent Pet also claims to have faster claims processing due to its use of artificial intelligence, which processes its claims faster, allowing its team to reimburse clients faster. 

Pros 

  • 30-day money-back guarantee
  • Offers an inexpensive accident-only plan option
  • 24/7 vet chat available
  • Fast claims processing

Cons

  • Plans are not as customizable as most and have set annual caps
  • Does not cover prescription food or diet costs and many alternative therapies

Embrace 

If you’re looking to have your dog or cat covered from head to toe, Embrace offers some of the most detailed and deep coverage on the pet insurance market. Embrace’s plans include coverage for dental issues, hip dysplasia, cancer, and much more. It even has a pre-existing condition clause which is where it will no longer consider a pre-existing condition pre-existing if it can be cured and your pet remains symptom-free for 12 months. This is not common in the pet insurance industry and is a significant bonus if your pet has any curable conditions when you sign up for a pet insurance plan with Embrace. In addition, Embrace offers a healthy pet deductible which reduces your deductible by $50 each year that you don’t submit a claim for your pet. 

Embrace is on the pricier side, and its extensive accident and illness plans can cost anywhere between $20 to over $100 per month, depending on your pet’s age, breed, location, and other factors. However, you’re receiving more coverage than most pet insurance providers offer when you’re with Embrace, so this is something to consider. Many pet parents may like Embrace as it can give them additional peace of mind that their pet is covered. Currently, Embrace only offers coverage for cats and dogs. 

Pros

  • Covers curable pre-existing conditions after 12 months
  • Healthy pet deductible reduces your bill over time
  • Extensive accident and illness coverage
  • 24/7 pet health line

Cons

  • Rigid pre-existing conditions policy
  • Pricier than most pet insurance providers

ASPCA 

ASPCA pet insurance is a partner of the American Society for the Prevention of Cruelty to Animals, making it a highly respected pet insurance provider. It also clearly stands by its product and offers a 30-day money-back guarantee. In addition to this, the company doesn’t require exams before enrollment like some pet insurance providers, which is a considerable plus for many pet parents. ASPCA also has a user-friendly mobile app that allows pet insurance members to submit and track claims, contact customer service, review their benefits, and pay their bills. These features make ASPCA an easy pet insurance provider to work with, which our team thinks is a significant plus. 

ASPCA offers extensive coverage for many types of accidents and illnesses, such as emergency care, hereditary conditions, behavioral issues, dental diseases, and more. We especially like that the company offers coverage for behavioral issues and some alternative therapies because many pet insurance providers don’t offer this coverage. Like most pet insurance providers, ASPCA doesn’t cover pre-existing conditions, cosmetic procedures, or breeding costs. It also provides less coverage for dental diseases than other pet insurance providers.

On average, ASPCA is pricier than other pet insurance options, with dog pet insurance costing $49 per month and cat pet insurance costing $29 per month on average. Please keep in mind that these costs will vary based on the plan you choose, your pet’s age and health, your location, and other factors. Currently, ASPCA only offers coverage for cats and dogs. 

Pros

  • Includes microchipping in standard policies
  • Multi-pet discount offered
  • Partner of American Society for the Prevention of Cruelty to Animals
  • User-friendly member center app

Cons

  • No online chat feature for customer service
  • Annual coverage limits don’t exceed $10,000

Healthy Paws 

Healthy Paws is a great pet health insurance option if you’re looking for an affordable plan without lifetime limits. However, it doesn’t offer any kind of wellness plan, so if you’re looking for coverage for routine care, you’ll need to look elsewhere. Healthy Paws also doesn’t offer a multiple pet discount, so you may want to consider other options if you’re looking for multiple pet coverage options. The company’s pet insurance plans are comprehensive and cover many types of accidents, emergency care, hereditary conditions, surgery, cancer, and treatments for chronic conditions. Like most pet insurance providers, its plans don’t cover pre-existing conditions. Currently, it only offers pet health insurance for dogs and cats. 

Healthy Paws shines when it comes to its affordable pricing and charitable giving. On average, Healthy Paws pet insurance costs $39 per month for dogs and $12 per month for cats, which is more affordable than most. It also offers many coverage options to easily customize your deductible and reimbursement options. We also like the company’s strong focus on charitable giving. To date, it has donated to over 300 nonprofit pet organizations, and it continues to make a donation with every pet insurance quote. It also offers fast claims processing due to its mobile app, which is user-friendly and allows Healthy Paws to reimburse you within 24 hours of claim processing. 

Pros

  • Affordable pet insurance option
  • Simple claim processing through a mobile app
  • Unlimited lifetime benefits
  • Strong focus on giving back to the community

Cons

  • Doesn’t offer wellness plans
  • No multi-pet discount offered

Spot 

Located in West Palm Beach, Spot Pet Insurance is a local pet insurance provider with great coverage and fantastic wellness plan options. Spot’s partner, Cesar Millan, is a famous dog trainer and works with Spot to encourage proper dog training to avoid unfortunate accidents that often occur when a dog isn’t trained enough. Currently, it only offers pet insurance for dogs and cats. 

Spot offers a large amount of customization when it comes to its pet insurance plans. Spot has many coverage limits, reimbursement rates, and annual deductible options, which gives you a lot of control over your pet’s plan, allowing you to avoid paying for unnecessary extras that you don’t want. In addition, Spot’s accident and illness plans cover many situations, such as emergency care, dental diseases, behavioral issues, hereditary conditions, poison control consultation fees, and more. Spot doesn’t cover pre-existing conditions, cosmetic procedures, or breeding-related costs. However, these exclusions are common among pet insurance providers and not unique to Spot. 

Its pet insurance plans average $40 for dogs and $22 for cats. Its wellness plans are an add-on, which offers significant coverage for vaccines, heartworm tests, fecal tests, dental cleanings, vet exams, and more, and costs $9.95 or $24.95 per month, depending on the tier you choose. Overall, these prices are comparable to its competition and can save you a significant amount of money in the long run. 

Pros

  • Excellent wellness plan options
  • No age restrictions for coverage
  • Comprehensive, customizable pet insurance plans
  • Covers behavioral issues

Cons

  • Doesn’t cover prescription food
  • Has a longer waiting period for accidents 

How Does Pet Insurance Work in Florida

In Florida, pet insurance works by reimbursing you for out-of-pocket veterinary expenses covered under your pet insurance plan. The reimbursement is typically based on a percentage agreed upon in your plan, usually between 50 and 90 percent. Once your claim is approved, your pet insurance provider will reimburse you for the agreed-upon percentage. 

Since your pet insurance provider works with you rather than through your vet’s office, you never have to worry about finding an in-network vet clinic. As long as you’re visiting a licensed veterinarian and your claim is covered under your policy, you’ll receive reimbursement for your pet’s treatment. In short, pet insurance works as a safety net for unexpected accidents or illnesses that your pet has and can provide you with peace of mind that your pet will be able to receive the treatments they need. 

How to Choose the Best Pet Insurance in Florida for You 

Pet parents should consider many factors when choosing a pet insurance provider. For starters, consider if you want accident-only coverage or accident and illness coverage. Accident-only coverage will only reimburse you for accident-related treatments, such as emergency surgery for a swallowed object or treatment for a broken bone. Accident and illness coverage will give you coverage for all that and treatments for illnesses, such as infections, cancer, or diabetes. Wellness plans are another option that you can add on. They provide coverage for routine, preventative care, such as wellness checkups, vaccinations, and routine blood work. 

Other things to consider before securing a policy include: 

  • Does this plan offer dental?
  • Are alternative therapies covered?
  • Does this plan have an annual or lifetime benefit cap?
  • Does this plan cover prescription medications and food?

How Much is Pet Insurance in Florida?

Florida has many options when it comes to pet insurance. Between Florida’s homegrown company Spot and the many other insurance companies that offer plans to Floridians, you are sure to find a plan that suits you and your pet. 

The average cost of pet insurance in Florida is around $40 per month for dogs and $21 per month for cats. Please keep in mind that these numbers will vary depending on your pet’s breed, age, health, and more. To give you an even better idea of what pet insurance may cost you, we’ve broken down the average cost of pet insurance for each company below.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost 
Prudent Pet $39 $23 $13.95 for cats, $19.95 for dogs
Embrace $35 $18 $35
ASPCA $49 $29 $9.95 (basic), $24.95 (prime)
Healthy Paws $39 $12 Not offered
Spot $40 $22 $9.95 (gold), $24.95 (platinum)

Where you live in Florida also makes a difference in your rate each month. Fort Lauderdale is the most expensive, followed by Miami, Sarasota, Orlando and Tallahassee, according to quote data we got from Figo Pet Insurance.

City  Monthly Cost*
Miami $29.75
Tallahassee $17.89
Orlando $19.07
Fort Lauderdale $44.94
Sarasota $20.32

*Quotes are for $14,000 in annual coverage with a $250 annual deductible as well as 80% reimbursement. We used a sample dog of a three-year-old mixed breed weighing between 21-70 pounds. Puppies, senior dogs and various breeds can change the rate.

Final Thoughts

The average annual cost of veterinary care for dogs and cats in Florida is $1,300, making pet insurance a significant benefit since most plans will cover 50 to 90 percent of these costs. This coverage allows you to choose your pet’s treatments based on what will be most beneficial to them, rather than needing to worry about the cost of these necessary treatments. 

Veterinary care continues to advance, and your dog or cat can now be treated for almost everything, especially in large cities like Miami, Fort Lauderdale, or Orlando. When choosing a pet insurance plan for your pet, keep in mind your budget, your pet’s needs, and what you want coverage for the most. Are you looking for routine care coverage or a plan that only covers accidents to help you in the worst-case scenario? Consider your options and gather several quotes from multiple pet insurance companies before deciding. 

Information for Pet Owners in Florida

Florida offers a lot of options for fun in the sun, but what pet laws should you be aware of before taking your pet out for the day? Let’s go over some fun things you can do with your pet in Florida and some important laws that you should obey while you’re out to keep your fun in the sun lighthearted and exciting for you and your pet. 

Florida Pet Laws 

Most areas in Florida have strict leash laws that require you to keep your dog on a leash while you’re out. If a dog does bite someone, the owner is held to strict liability even if the owner had no warning that their dog was about to bite someone. No matter how sweet your dog is, a dog can suddenly bite out of fear or anxiety. So, keep your dog on a leash and be safe. 

Lastly, make sure that you never leave your dog in the car. This falls under Florida’s animal cruelty laws and can be a misdemeanor on your record. It’s also not fair to your dog and hazardous to leave them in the car, whether the conditions are hot or cold. Citizens who spot a dog left in a hot car are protected under civil liability laws and may call 911 if they spot an animal left in a vehicle. 

Fun Things To Do With Your Pet in FL 

Florida is home to many beautiful beaches, which are wonderful places to take your dog for a run or swim. Many restaurants, such as The Bearded Pig and Harps American Pubs & Grill, are also dog-friendly, so you don’t have to worry about leaving your furry pal at home. 

Another must-see place is the Fountain of Youth Archeological Park in St. Augustine, a pet-friendly space featuring planetarium tools used by early Spanish explorers. If that’s not your thing, try Dinosaur World in Plant City, a dog-friendly theme pack with over 100 dinosaurs spread throughout a jungle setting. Others may enjoy a dog-friendly hike at the Alderman’s Ford Preserve, which features easy and challenging treks and over 1,000 acres of natural space. Lastly, Lazy Dog Adventures in Key West is a must-see for those who want to paddleboard with their pets. 

Florida Pet Resources 

  • Pet Alliance Orlando: Located in both Orlando and Sanford, Florida, this Pet Alliance works diligently to provide supplemental dog and cat food to those in need. Pet food is available by appointment for individuals in need for up to six months. 
  • Happy Trails Animal Rescue: The Happy Trails Animal Rescue has a pet pantry that offers pet food and other needed supplies to pet owners going through difficult times. It offers dry and wet dog and cat food, toys, treats, cat litter, and flea prevention for those living in Orange, Osceola, or Seminole counties in Florida. 
  • Spay Florida: Spay Florida is an organization that connects you to low-cost spay and neuter clinics in your community. All of these clinics offer high-quality spaying and neutering at a small cost. Visit its website for options near you.
  • Humane Society: The Humane Society offers free vaccinations and dog and cat food at their shelter.

 Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.