Best Pet Insurance In Florida (2023 Review)

by | 03/14/2023

Jump To: Best Pet Insurance Companies in Florida | How Does Pet Insurance Work? | Choosing The Best Pet Insurance For You | Pet Insurance Costs in Florida | Final Thoughts | Information for Pet Owners in Florida | FAQs | Methodology

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 sun-filled time. Another part of being a great pet parent is ensuring that your pet receives quality veterinary care so that it can live its happiest and healthiest life. Unfortunately, stacked 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 right now, dog or cat insurance can provide you with an important safety net should your pet need sudden care for an accident or illness. 

Looking for pet insurance in the Sunshine State? 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:

Best Pet Insurance Companies In Florida 

With so many pet insurance options to choose from, it can be overwhelming to know where to start. Every pet insurance agency is different and will have unique pet insurance plan options, reimbursement rates, coverage terms, deductibles, and exclusive features of its own, like built-in charitable initiatives and user-friendly mobile apps.

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

Provider Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot 14 days* Yes No age limit A
Lemonade 14 days for illnesses*, 48 hours for accidents No 14 years old N/A
Embrace 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
Healthy Paws 15 days* Yes 14 years old A-
ASPCA 15 days* Yes No age limit N/A
Prudent Pet 5 days for accidents, 14 days for illnesses* Yes No age limit A+
Figo 1 day for injuries, 14 for illness* Yes No age limit B
Wagmo 15 days for accidents and illnesses* No 15 years old N/A
Trupanion 5 days for injuries, 30 days for illnesses* Yes 14 years old A+
*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above.

How Much Does Pet Insurance Cost in Florida?

Worthwhile pet insurance options are ample in the Sunshine State. 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 species, breed, age, health, and more. To recap what pet insurance may cost you month-to-month, we’ve summarized the average monthly cost of pet insurance for each company below.

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

Where you live in Florida also makes a difference in your rate each month. Fort Lauderdale is the most expensive city to insure your pet in, 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 3-year-old mixed breed weighing between 21-70 pounds. Puppies, senior dogs, and various breeds can alter the above rates.

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%. 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 directly 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 protective solution for unexpected accidents or illnesses that your pet might endure throughout its lifetime, providing you with peace of mind that your pet will be able to receive the treatments they need no matter the cost.

Florida Pet Insurance 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 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. 

Spot Pet Insurance

Located in West Palm Beach, Spot pet insurance is a local pet insurance provider with solid coverage and abundant wellness plan options. Spot’s partner, Cesar Millan, is a TV-famous dog trainer and works with Spot to encourage proper dog training for a stronger human-animal bond and prevent unfortunate accidents when your dog is unrestrained. Spot only offers pet insurance for dogs and cats at this time. 

Spot offers an extensive spread of customization options for its policyholders. With a wide range of annual limits, reimbursement rates, and annual deductible options to choose from, you’ll have complete control over your pet’s plan. Such lax customizations will keep you from paying for unnecessary extras that you don’t want. 

What Does Spot Cover?

Spot’s accident and illness plans cover numerous veterinary expenses related to 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 standard among pet insurance providers and not unique to Spot.

Spot Pet Insurance Cost In Florida

Spot pet insurance plans average $40 per month for dogs and $22 for cats. While preventative care isn’t featured in its standard coverage, wellness add-ons are available for a few extra bucks a month. Costing $9.95 or $24.95 per month (depending on the tier you choose), these elective riders offer significant coverage for vaccines, heartworm tests, fecal tests, dental cleanings, vet exams, diagnostic tests, and more. Overall, these prices are competitive among its fellow providers and can save you a fair amount of money in the long run. 


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


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

Learn More: Spot Pet Insurance Review

ASPCA Pet Insurance

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 knows the ropes of its product but still offers a 30-day money-back guarantee just in case. 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 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 key to a killer customer experience.

What Does ASPCA Cover?

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 level of coverage without additional add-ons purchases. 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, so if your pet’s pearly whites are a priority for you, it may be worth it to check out a plan with a wider range of dental care options.

ASPCA Pet Insurance Cost In Florida

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. 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. We know we sound like a broken record, but ASPCA only offers coverage for cats and dogs as of right now. 


  • 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


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

Learn More: ASPCA Pet Insurance Review

Embrace Pet Insurance

Embrace pet insurance offers some of the most detailed and deep coverage on the pet insurance market if you’re looking to have your dog or cat covered from head to tail.

What Does Embrace Cover?

Embrace’s plans include coverage for dental issues, hip dysplasia, cancer, and other chronic conditions. It even has a pre-existing condition clause that distinguishes between curable and incurable pre-existing conditions. If a health complication that predates your enrollment doesn’t create symptoms in your pet or require treatment for 12 months, the condition will be deemed as curable and, therefore, may be eligible for coverage. Such flexible pre-existing condition terms are not common among pet insurance services, so this feature is a significant bonus of signing up for a pet insurance plan with Embrace.

As one more added incentive, Embrace offers an exclusive Healthy Pet Deductible plan which reduces your deductible by $50 each year that you don’t submit a claim for your pet. 

Embrace Pet Insurance Cost In Florida

Price-wise, Embrace is on the more expensive side as its extensive accident and illness plans can cost anywhere between $20 to over $100 per month, depending on your pet’s age, species, breed, and location. However, you’re receiving more coverage than most pet insurance providers offer when you’re with Embrace, so this is something to consider. 

To help offset higher-than-average monthly rates, Floridians can take advantage of up to 15% in savings with a multiple pet discount as well as a military discount. Embrace also offers an employee benefits savings opportunity of 10% off. However, this discount is not available in Florida among a few other states like North Dakota, New York, and Tennessee per individual state exclusions.  

Ultimately, the cost of premier pet insurance is usually worth the peace of mind, knowing your pet is covered no matter what. Like most leading pet insurance providers, Embrace currently only sells cat and dog insurance and does not offer services for feathered, scaly, or slimy friends.  


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


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

Learn More: Embrace Pet Insurance Review

Healthy Paws Pet Insurance 

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.

What Does Healthy Paws Cover?

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, so any red flags on your pet’s medical record that arose before or during the 15-day waiting period will not be eligible for coverage once your policy is active. Currently, it only offers pet health insurance for dogs and cats. 

Healthy Paws Pet Insurance Cost In Florida

Healthy Paws shines when it comes to its budget-friendly pricing and charitable efforts. 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 an accommodating array of coverage options, allowing for easy customization of your deductible and reimbursement terms. We also like the company’s philanthropic-forward focus. To date, it has donated to over 300 nonprofit pet organizations, and it continues to make a donation with every free pet insurance quote generated by prospective customers. As another plus, Healthy Paws also delivers fast claims processes, with 24-hour reimbursement speeds, thanks to its user-friendly mobile app.


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


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

Learn More: Healthy Paws Pet Insurance Review

Prudent Pet Insurance 

Prudent Pet is the ideal provider 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 price cap if your pet needs extensive treatments for an accident or illness — coverage is fair game, no matter how expensive.

What Does Prudent Pet Cover?

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, prescription pet food, or diet costs. However, its coverage for accidents and illnesses is comprehensive, sporting a strong customer satisfaction rating and an A+ score from the Better Business Bureau. 

Prudent Pet Insurance Cost In Florida

On average, you can expect to pay around $39 per month for your dog or $23 for your cat. Prudent Pet also supports lickety-split claims processing by using artificial intelligence to handle submissions and outgoing reimbursements. 

Prudent Pet also offers wellness plans, which help cover routine care costs, such as vet exam fees, diagnostics, core vaccinations, etc. These preventative care add-ons will cost $13.95 per month for your cat and $19.95 for your dog. And, you know the drill — coverage for cats and dogs only.


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


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

Learn More: Prudent Pet Insurance Review


How to Choose the Best Pet Insurance in Florida for You 

To start, pet parents should figure out whether an accident-only or accident and illness plan would best suit their pet’s coverage needs. 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 provide a financial hedge for all of that and treatments for any unexpected illnesses, such as infections, cancer, diabetes, etc. Wellness plans are another option that you can tack onto your policy for foolproof protection. These elective riders offer coverage for routine and preventative care, such as wellness checkups, vaccinations, parasite prevention, blood and lab work, etc. 

Other things to consider before securing a policy include: 

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

Final Thoughts

The average annual cost of veterinary care for dogs and cats in Florida is $1,300, underscoring the value of pet insurance for Floridians since most plans will cover 50 to 90%of these costs. This coverage allows you to choose your pet’s treatments based on what will be most beneficial to them, rather than worrying about the costs you’ll face.

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 healthcare 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 free 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 daytime activities you can do with your pet in Florida and some important laws that you should obey while you’re out to keep your experiences safe 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 at all times 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 pup is, dogs can suddenly bite out of fear or anxiety. Leashes are the best way to keep control over your dog, as not all public places are safe for an unrestrained pet anyway.

Another rule: never leave your dog in the car! This one should go without saying. Leaving your dog unattended in a vehicle falls under Florida’s animal cruelty laws and can be an ugly misdemeanor on your record. Hundreds of dogs die each year from heat exhaustion and strokes when left alone in vehicles by their owners. Citizens who spot a dog left in a hot car are protected under civil liability laws and may call 911. Florida is one of eight states — including California, Colorado, Indiana, Massachusetts, Wisconsin, Ohio, and Tennessee — that uphold a “Good Samaritan” law where any person can legally break into a car window to save a pet. 

Fun Things To Do With Your Pet in FL 

Florida is home to an abundance of pristine beaches where you can take your dog for a run or a dip in the ocean. Plenty of 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 when going out to eat.

Another Florida must-see 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-inclusive theme pack with over 100 dinosaurs spread throughout a jungle setting. Others may enjoy a hike at the Alderman’s Ford Preserve, which features both easy and challenging treks and over 1,000 acres of natural space. Lastly, Lazy Dog Adventures in Key West is worth visiting for those who want to paddleboard with their pets. 

Frequently Asked Questions About Pet Insurance in Florida

What is the average cost of pet insurance in Florida?

We discovered that Florida pet insurance costs generally range from $35–$85 for dogs and $20–60 for cats, based on quotes we received from popular providers. You will receive different numbers depending on the age, plan type, and coverage limitations of your pet.

What does Pet Insurance Typically Cover?

Depending on what type of plan you choose, your pet insurance plan will cover different things. Accident-only plans provide medical coverage for accidental injuries, such as broken bones, sprains, and prescription medications. Accident-and-illness plans try to extend that coverage to include cancer treatments, digestive illness, hip dysplasia, and similar issues.

Our Methodology

To determine the best pet insurance providers, we conduct a detailed analysis of 38 different pet insurance companies operating in the United States and Canada. We put data from each provider through the same rigorous test, examining how each company performs in key areas that are relevant to pet owners. Our seven criteria are then weighted to produce a total score.

  • Price: 20%
  • Coverage: 20%
  • Customer service: 15%
  • Reliability: 15%
  • Choice: 10%
  • Plan features: 10%
  • Transparency: 10%

The best pet insurance providers offer coverage for a wide range of conditions at an affordable price. They also feature flexible customer service, a long reputation of excellence, transparent policies and the ability  to customize your pet insurance plan to your individual needs. You can read more details about our ratings and review methodology here.