5,534 pet owners requested and received a free no-obligation quote from one of the above companies in the last 30 days.
What’s The Best Pet Insurance in Florida?
According to our analysis, Lemonade Pet Insurance is our top pick for pet owners in Florida because of its reasonably priced and extensive range of coverage options.
After researching, analyzing and comparing options, here are our top-rated pet insurance rankings for Florida pet owners:
- Lemonade: Our top pick
- ASPCA Pet Health Insurance: Our Pick for Older Pets
- Embrace: Our Pick for Savings
- Spot: Most Customizable Coverage
- Fetch Pet Insurance: Our Pick for Comprehensive Coverage
- Healthy Paws: Most Affordable Unlimited Coverage
The Best Pet Insurance Companies in Florida in Detail
Lemonade
Cheapest plans for dogs
ASPCA Pet Health Insurance
Our Pick for Older pets
Embrace
Our Pick for Savings
Spot Pet Insurance
Most Customizable Coverage
Fetch Pet Insurance
Our Pick for Comprehensive Coverage
Healthy Paws
Most Affordable Unlimited Coverage
How We Ranked The Top Recommended Florida Pet Insurance Companies
We at the MarketWatch Guides team ranked pet insurance providers in Florida based on availability and key factors that affect policyholders in the state. To inform our review, we analyzed the average age of pets in Florida, state veterinary costs, average monthly premium prices for cats and dogs, and the most reported accidents for pets in the state. Company rankings reflect affordability, coverage options, available discounts and benefits, and more. We also weighed responses to our survey of 1,000 pet owners with pet insurance nationwide, filtered by Florida residents.
How We Calculated Pet Insurance Costs in Florida
Cost data for dogs was determined by averaging sample quotes we obtained from each provider for a 5-year-old medium, mixed-breed dog and a 2-year-old golden retriever in Tampa, Florida. We determined cost data for cats by averaging sample quotes we obtained from each provider for a 5-year-old mixed-breed cat and a 2-year-old Siamese cat. 56 total quotes were collected and averaged for Florida.
We used our rating system to compare each company we reviewed and determine the best pet insurance companies in the industry. To learn more, read our full pet insurance methodology for reviewing and scoring providers.
Compare the Best Pet Insurance Providers in Florida
No two pet insurance plans are alike, so it is worth researching your options and comparing providers to understand the benefits and drawbacks of each provider. You can use the table below to compare our top pet insurance providers in Florida on our list based on various factors.
How Much Does Pet Insurance Cost in Florida?
According to our research, the average monthly cost to insure a pet in Florida is $46 per month. We also determined that the average cost to insure a dog is $62 and the average cost to insure a cat is $30. This is much cheaper than in many other states. For example, in California, the average cost of pet insurance is $63 per month.
We calculated this average by obtaining sample quotes for a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat from 11 providers in Florida. Your price may vary since many factors influence the exact cost, including your pet’s breed, age and location.
Cost of Pet Insurance for Dogs in Florida
Here is a breakdown of the average monthly premium dogs in Florida by provider.
| Company | Dog Insurance Cost |
|---|---|
| Lemonade | $30 |
| Spot | $78 |
| Embrace | $63 |
| Healthy Paws | $55 |
| Fetch | $119 |
| Figo | $55 |
| Pest Best | $59 |
| Paw Protect | $645 |
| ASPCA Pet Health Insurance | $47 |
| ManyPets | $28 |
| Trupanion | $82 |
Cost of Pet Insurance for Cats in Florida
The table below details the average cost of cat insurance in Florida by provider.
| Company | Cat Insurance Cost |
|---|---|
| Lemonade | $20 |
| Spot | $34 |
| Embrace | $37 |
| Healthy Paws | $33 |
| Fetch | $55 |
| Figo | $25 |
| Pest Best | $26 |
| Paw Protect | $38 |
What’s the Cheapest Pet Insurance in Florida?
Of the companies we chose as the best in Florida, Lemonade offers the cheapest pet insurance in the state. Lemonade’s affordable coverage makes it a good option for Florida pet owners seeking pet insurance on a budget. The exact price of your Lemonade pet insurance plan will depend on your selected options and your pet’s age, breed and location.
5 Cheapest Florida Pet Insurers
| Rank | Provider | Dog Insurance | Cat Insurance |
|---|---|---|---|
| #1 | Lemonade | $30.00 | $20.00 |
| #2 | ASPCA | $47.24 | $18.28 |
| #3 | Healthy Paws | $54.89 | $32.96 |
| #4 | Figo | $55.39 | $25.12 |
| #5 | Pets Best | $58.59 | $25.87 |
How Much Does Pet Insurance Save Florida Pet Owners?
Pet insurance can help cover routine and emergency veterinary costs that Florida pet owners may otherwise pay out-of-pocket. After considering the average annual cost of pet ownership versus pet insurance in Florida, we found that policyholders can expect to save an average of $314 to $614 on veterinary expenses.
Based on our research, some of the most popular dog breeds in the Sunshine State include the French bulldog, Shih Tzu and Goldendoodle. To help you better understand potential savings with a pet insurance policy, we’ve provided sample scenarios for treatments and procedures related to each breed below. Note that this is an example, and your potential savings may vary depending on your pet’s breed, age, coverage and other factors.
French Bulldog
Frankie had an eye infection and needs preventative puppy care. The tables below show the treatment cost breakdown with and without pet insurance.
| Treatment | Cost |
|---|---|
| Office visit x3 | $216 |
| Vaccines/Shots | $220 |
| Neuter package (under 6 months) | $430 |
| Upset stomach issues vet visit | $265 |
| Total | $1,131 |
| Pet Insurance | Cost |
|---|---|
| Annual pet insurance premium | $552 |
| $250 deductible | $250 |
| 20% of $1,131 (co-insurance) | $226 |
| Total | $1,028 |
Shelby was diagnosed with diabetes this year and needs testing, blood work, and medication. The tables below show the treatment cost breakdown with and without pet insurance.
| Treatment | Cost |
|---|---|
| ER Exam | $150 |
| Diagnostic testing | $100 |
| Blood work | $150 |
| Diabetes medication for 1 year | $2,250 |
| Total | $2,645 |
| Pet Insurance | Cost |
|---|---|
| Avg. cost of annual pet insurance | $552 |
| $250 deductible | $250 |
| 20% of $2,645 (co-insurance) | $529 |
| Total | $1,331 |
Gracie has a cruciate ligament tear and needs surgery this year. The tables below show the treatment cost breakdown with and without pet insurance.
| Treatment | Cost |
|---|---|
| ER exam | $150 |
| X-Ray | $200 |
| Blood work | $140 |
| Cruciate ligament surgery | $4,000 |
| Pain medication | $60 |
| Physical therapy x6 visits | $480 |
| Total | $5,030 |
| Pet Insurance | Cost |
|---|---|
| Avg. cost of annual pet insurance | $552 |
| $250 deductible | $250 |
| 20% of $5,030 (co-insurance) | $1,006 |
| Total | $1,808 |
How To Choose A Pet Insurance Company in Florida
When shopping for a pet insurance policy in Florida, considering several factors can help you choose the right policy for your pet’s needs and your budget.
Consider What Plan Is Best For Your Pet
Most providers offer accident-only and accident and illness plans, although some have more limited or extensive coverage options. Most companies also offer wellness add-ons to help cover routine care like vaccines and screening tests.
For Florida pet owners, we recommend getting an accident and illness plan to ensure you’re fully covered in the event of an emergency.
Select At Least $10,000 As An Annual Limit
The pet insurance coverage you select will largely determine your monthly premium. Most insurance providers allow you to adjust your annual coverage limit, deductible and reimbursement rate to reach a premium that suits your budget. Some providers also offer various add-ons to allow you to further customize your pet’s coverage.
With temperatures reaching over 100ºF in some areas of Florida, pets are at increased risk of heat stroke. Moreover, the hot weather can cause the pavement to heat up, which could result in burns on your dog’s paws. Having at least $10,000 in annual coverage will protect you from expensive vet bills that could result from either of these problems.
Read The Fine Print
Your chosen provider will send you an official insurance policy before you enroll your pet. Before beginning your pet’s coverage, read the policy’s fine print so you completely understand the coverage and any exclusions.
Read Online Customer Reviews
Read customer reviews on platforms like the Better Business Bureau (BBB) and Trustpilot for your top choices to ensure you choose a provider with a good track record.
Remember that where you live impacts the availability and cost of pet insurance, as the laws and regulations governing pet insurance vary from state to state. Before choosing a pet insurance company, ensure it provides coverage in your state and compare monthly premium costs.
Florida Pet Laws: How To Be A Responsible Pet Owner
A revision to Florida’s dangerous dog law went into effect on Oct. 1, 2023, to remove county breed bans and prohibit local governments from banning specific breeds, including German shepherds and pit bulls. While the state law invalidates county-level bans, residential communities can still prohibit certain dog breeds. Different Florida municipalities have additional laws in place to protect pets and people.
Jacksonville Pet Laws
- Pet owners may not have more than four cats and/or dogs over the age of 4 months old.
- Pet owners must vaccinate animals older than 4 months.
- All animals sold or adopted must be microchipped. This can be done for $10 at the city’s animal control facility, and many vets offer low-cost microchipping services.
Miami Pet Laws
- Dogs, cats and ferrets older than 4 months must be vaccinated against rabies.
- It is illegal for a pet owner to keep their dog tethered or chained when a person is not home or present.
- Pets must be in a secured carrier when being transported in the back of a pick-up truck.
Orlando Pet Laws
- Pet owners must keep dogs on a leash not exceeding six feet in length on public property.
- Pets older than 4 months must be vaccinated against rabies and licensed, and you must renew licenses annually.
- Pet owners must immediately clean up after their dog in any public area, private property, county park or beach.
Tampa Pet Laws
- A pet must be under its owner’s direct control by means of a leash, cord or chain when off the owner’s property or in a public place.
- All pets must have access to shade, a shelter for bad weather, clean water and food, and have sufficient room to stand up, turn around and sit comfortably.
Is Pet Insurance Worth It in Florida?
For Florida pet owners looking for financial protection against high vet bills if their pets require unexpected emergency care, pet insurance is worth the investment. Pet owners can also invest in pet insurance to cover more routine costs, such as annual vet visits.
We find that Lemonade’s fast service, competitive rates and comprehensive coverage can benefit Florida pets. However, we recommend comparing quotes from multiple pet insurance companies to ensure you find the best fit for your pet before purchasing a policy.
Frequently Asked Questions About Pet Insurance in Florida
The average cost of pet insurance in Florida is $46. However the price will vary depending on the provider, your pet’s age and breed, and any applicable discounts. For example, most companies offer a 5% to 10% discount for having two or more pets on a single policy. You can reduce the cost of your monthly premium by customizing your policy, like choosing a higher deductible.
According to the North American Pet Health Insurance Association’s 2023 State of the Industry report, approximately 6.2% of Florida pet owners have pet insurance — and these numbers continue to rise every year.
Florida does not have a state income tax, so deductions are not available. On the federal level, dog insurance may be tax deductible if you are self-employed and your pet is a certified service or working animal that contributes to your taxable income. When deciding whether you can deduct dog insurance from your taxes, we suggest you seek advice from a tax professional.
Additional Pet Insurance Resources
Use the resources below to learn more about pet insurance and pet care in Florida:
Methodology: Our System for Rating Pet Insurance Companies
If you have questions about this page, please reach out to our editors at editors@marketwatchguides.com.
