--- title: Best Pet Insurance in Florida description: Find the best pet insurance in Florida for dogs and cats that covers vet visits, dental care, and wellness, starting from $8 with Embrace. authors: - name: Emily Gutarra role: Writer url: https://money.com/author/emily-gutarra/ bio: Emily Gutarra is a former staff writer at Money Group, specializing in personal finance topics and product reviews with a focus on delivering clear, practical guidance. education: University of Puerto Rico - Río Piedras at_money_since: 2023 articles: 42 covers: - Insurance - Credit - Housing - Identity Theft - Pets former_staff: true editors: - name: José Omar Rodríguez role: Content Manager url: https://money.com/author/jose-omar-rodriguez/ bio: As an editor, José Omar specializes in personal finance topics and in-depth company reviews. His work has been featured in publications such as the Sacramento Bee, the Miami Herald, and the Kansas City Star. education: University of Puerto Rico at_money_since: 2019 articles: 21 covers: - Insurance - Banking - Business - Career Advice - Credit - Credit Cards - Economy and Politics - Housing - Identity Theft - Investing - Lifestyle - Loans - Mortgages - Pets - Professional Services - Retirement - Taxes - Technology expert_reviewers: - name: Andrea Agostini Ferrer role: Lead Staff Writer url: https://money.com/author/andrea-agostini/ bio: Andrea has been our in-house insurance expert since 2021. She's dedicated hundreds of hours to researching and evaluating a wide range of insurance products — from niche plans like pet insurance to everyday essentials like auto and homeowners coverage — and applies her knowledge to help readers understand the ins and outs of these policies. education: University of Puerto Rico at_money_since: 2020 articles: 62 covers: - Insurance - Banking - Business - Credit - Credit Cards - Debt - Economy and Politics - Education - Health and Wellness - Housing - Identity Theft - Lifestyle - Loans - Mortgages - Personal Finance - Pets - Professional Services - Retirement - Shopping - Taxes published: '2023-12-19T12:34:05.000Z' modified: '2024-04-17T13:53:21.000Z' section: Insurance word_count: 1032 canonical: https://money.com/best-pet-insurance-florida/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Best Pet Insurance in Florida](https://img.money.com/2023/12/Best-Pet-Insurance-Florida.jpg?quality=85&w=1012&h=569&crop=1) ## Our Partners ### Preferred Provider ![View Plans](https://s3.consumersadvocate.org/prd/image/image/29662/medium_68e0db61-9c40-4a9a-8674-4d1846034313.png) Our Partner [View Plans](https://money.com/go/12dcc9d20870?ap_referrer=%2Fbest-pet-insurance-florida%2F&bidid=4042545577&ptid=663651616&ptoken=d8fa83ffcce483307d0e1a1576cb84bf&zip=20149) **🏅"Best Annual Unlimited Coverage" by Forbes** - Reimburses Up to 90%, No Max Annual or Lifetime Payouts - Backed by Chubb - a Trusted Name in Insurance - Covers Accidents, Illness, Hereditary Conditions & More - Most Claims are Processed in 2 Days * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/29658/medium_180feef1-c7e9-47f4-ae9c-f6f3e701e0ae.png) Our Partner [View Plans](https://money.com/go/f0bcc47fcae5?ap_referrer=%2Fbest-pet-insurance-florida%2F&bidid=4042545587&ptid=663651616&ptoken=4524dcc229cb275ea37bcf2e07908f29&zip=20149) **🐶 Affordable Plans Starting at Less than $1/Day** - Get up to 90% back on vet bills - Flexible Coverage Options, No Upper Age Limits - Providing Comprehensive Pet Insurance for Over 900,000 Pets - Multiple Wellness Plan Options * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/27224/medium_0064768b-d029-4c4e-b916-5ae9a068cbe4.png) Our Partner [View Plans](https://money.com/go/da11906b74fa?ap_referrer=%2Fbest-pet-insurance-florida%2F&bidid=4042545582&ptid=663651616&ptoken=833517e8fc47feaf6b7115eb028ed4f8&zip=20149) **Price Includes What Other Providers Charge Extra for or Don't Cover at All**  - Get Back up to 90% on Unexpected Vet Bills - Dental Coverage for Every Tooth, Plus Gums - Covers Exam Fees (Save $50-$250 per Sick Visit) - Use Any Vet in the U.S. or Canada * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/22628/medium_cd1f6ffb-0207-4043-b6ec-be1dea1b364c.png) Our Partner [View Plans](https://money.com/go/4ebd247ec3d5?ap_referrer=%2Fbest-pet-insurance-florida%2F&bidid=4042545581&ptid=663651616&ptoken=9e8f729acf824ddc071de79633d7731e&zip=20149) **2025 Pet Insurance of the Year Award Winner** - No Lifetime or Per Incident Limits - Most Claims Processed in 5 Days or Less - One of the Shortest Waiting Periods for Accident & Illness Coverage * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/33968/medium_778ede1d-ae43-453e-8668-9dba77d2f061.webp) Our Partner [View Plans](https://money.com/go/6a490193c714?ap_referrer=%2Fbest-pet-insurance-florida%2F&bidid=4042545583&ptid=663651616&ptoken=a47311cbbb8586bc71f86b8d76a3f713&zip=20149) **Unlimited Reimbursement at Any Vet** - Covers Illnesses, Conditions & Accidents - Add Dental & Prescription Coverage - Wellness Plan for Routine Check-ups, Grooming & Training - Over 18 Years of Pet Insurance Expertise * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/29657/medium_f6e5e594-b60d-4dfd-a2ce-c903d0fb009a.png) Our Partner [View Plans](https://money.com/go/1404ae4afe21?ap_referrer=%2Fbest-pet-insurance-florida%2F&bidid=4042545585&ptid=663651616&ptoken=429daf3fdaf5cceccdb836bc9adf7fe1&zip=20149) **🐕 Pet Insurance Starting as low as $10 per Month** - Save Big on Tests, Vaccines & Essential Care - Coverage for Spaying, Neutering & Microchipping Available - Up to 10% Off with Bundle or Multi-Pet Discount - Unclaimed Premiums are Donated to Charities of Your Choice \*Not available in all states.  * * * ![View Plans](https://s3.consumersadvocate.org/prd/image/image/27602/medium_249e8d31-e3fc-423f-8c0c-838e7a8255af.webp) Our Partner [View Plans](https://money.com/go/675747857b11?ap_referrer=%2Fbest-pet-insurance-florida%2F&bidid=4042545579&ptid=663651616&ptoken=e9506fd24caae514d09428be39156e20&zip=20149) **🐶 Only Provider to Pay Vet Bills Instantly** - Unlimited payouts for life - Loved by 1 Million Pet Parents, 3 Billion in Vet Bills Paid - Protecting dogs and cats for over 25 years - Voted #1 pet insurance by veterinarians About a half of Florida households are home to pets and, according to a study by the North American Pet Health Insurance Association (NAPHIA), it was the third state with the highest share of insured pets and gross written premiums in the United States in 2022. If yours is one of those households, this article could help you determine which is the best pet insurance in Florida for your pets and your wallet. Pet insurance coverage doesn’t typically include things like spaying and neutering or routine care or checkups, but can come in handy with serious issues like congenital and hereditary conditions, broken bones or ligament injuries. And in a state where the climate, the plants, and even your neighbors’ pets could put yours at risk, investing in pet insurance may be worth it. Read on to learn more about the accident and illness plans offered by our top pet insurance providers. These were vetted based on a comprehensive methodology developed by our experts. If these pet insurance policies aren’t exactly what you’re looking for, make sure you check out our article on the [best pet insurance companies](https://money.com/best-pet-insurance/), featuring providers like Fetch, Trupanion, Healthy Paws and more. ## Our Top Picks for Best Pet Insurance in Florida - [Figo Pet Insurance](#figo) - [Nationwide Pet Insurance](#nw) - [Embrace Pet Insurance](#embrace) - [Spot Pet Insurance](#spot) - [Lemonade Pet Insurance](#lemonade) ## Protect your furry friend with Embrace Pet Insurance ### Get up to 90% reimbursement on vet bills. Customized coverage is available. Select your state for a free quote. [GET FREE QUOTE](https://money.com/pr/x26462624330?ap_referrer=%2Fbest-pet-insurance-florida%2F) ## Best Pet Insurance Companies in Florida Reviews ### [Figo Pet Insurance](https://money.com/pr/z66796bc85fd?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-florida%252F) Review **Pros** - Reimbursement percentages of up to 100% - No age limit for enrollment - Coverage for international emergency services from licensed veterinarians - Coverage for dental injury or illness **Cons** - Hereditary conditions excluded if pet is enrolled after second birthday - No coverage for visit and exam fees unless purchased separately - 100% reimbursement not available for deductibles under $500 ### HIGHLIGHTS Annual deductibles $100, $250, $500 or $750 Annual payout limits $5K,$10K or unlimited Coinsurance 70%, 80%, 90% or 100% Waiting periods 1 day for accidents, 14 days for illnesses Sample quotes for dogs $17.74 - $111.81 Sample quotes for cats $4.51 - $28.39 ### [Nationwide Pet Insurance](https://money.com/pr/u5cb4bee0ab0?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-florida%252F) Review **Pros** - Coverage for exotic pets - No per-incident, annual or lifetime caps - Free 24/7 vet helpline for members **Cons** - No online enrollment for exotic pets - Lower coinsurance percentages than competitors ### HIGHLIGHTS Annual deductibles $100, $250 or $500 Annual payout limits $5K, $10K or unlimited Coinsurance 50%, 70% or 80% (Whole Pet plan) Waiting periods 14 days for accidents and illnesses Sample quotes for dogs $50.75 - $101.01 Sample quotes for cats $14.64 - $31.64 ### [Embrace Pet Insurance](https://money.com/pr/t5e6c54b811e?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-florida%252F) Review **Pros** - Coverage for pet ambulance transportation costs - 6-month international vet care coverage - 10% multi-pet discount - Short waiting period for accidents **Cons** - Low dental illness coverage cap - Additional cost for prescription medications coverage ### HIGHLIGHTS Annual deductibles $100, $250, $500, $750 or $1K Annual payout limits $5K, $8K, $10K, $15K or unlimited Coinsurance 70%, 80% or 90% Waiting periods 2 days for accidents, 14 days for illnesses Sample quotes for dogs $26.79 - $95.69 Sample quotes for cats $7.18 - $25.65 ### [Spot Pet Insurance](https://money.com/pr/m999af985bb0?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-florida%252F) Review **Pros** - Behavioral issues claims covered at no extra cost - No enrollment age limit for older dogs - Coverage for vet exam fees included - Virtual vet visits, microchip implantation and alternative therapy coverage included **Cons** - Transaction fees for monthly, quarterly, or semi-annual payments - Higher premiums than average ### HIGHLIGHTS Annual deductibles $100, $250, $500, $750 or $1K Annual payout limits $2.5K, $3K, $5K, $7K, $10K or unlimited Coinsurance 70%, 80% or 90% Waiting periods 14 days for accidents and illnesses Sample quotes for dogs $15.48 - $186.58 Sample quotes for cats $4.45 - $53.79 ### [Lemonade Pet Insurance](https://money.com/pr/f23b063f8fe3?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-pet-insurance-florida%252F) Review **Pros** - Claims reimbursed quicker than competitors - Option to donate a portion of payment to charity - AI-powered claims process **Cons** - No policy adjustments before renewal - Additional cost for dental illness coverage - Not available in all states ### HIGHLIGHTS Annual deductibles $100, $250 or $500 Annual payout limits $5K, $10K, $20K, $50K or $100K Coinsurance 70%, 80% or 90% Waiting periods 2 days for accidents, 14 days for illnesses Sample quotes for dogs $23.13 - $126.84 Sample quotes for cats $11.00 - $35.23 ## The best pet deserves the best coverage ### Get up to 90% reimbursement on vet bills with Healthy Paws — quality coverage tailored to your pet’s needs. Get a quote now. [VIEW PLANS](https://money.com/pr/odae17e6234d?ap_referrer=%2Fbest-pet-insurance-florida%2F) ## Pet Insurance in Florida Guide ### How much is pet insurance in Florida? In every state, [pet insurance costs](https://money.com/how-much-is-pet-insurance/) will depend on a number of factors, including coverage options, annual coverage limits, reimbursement rates, offers like multi-pet discounts and any add-ons chosen by the pet parent as part of the policy. Some add-ons include coverage for [veterinary exam fees](https://money.com/pet-exam-fees-sponsored-fetch/) and routine [pet dental care](https://money.com/pet-dental-insurance/) such as cleanings. Bear in mind that pet insurance typically doesn’t cover treatment for [pre-existing conditions](https://money.com/pet-insurance-for-pre-existing-conditions/), which you’ll have to pay for yourself. If you’re not very familiar with these terms, take a look at our guide on [how to buy pet insurance](https://money.com/how-to-buy-pet-insurance/), where they’re defined in detail. #### Cost of dog insurance in Florida Floridian homeowners who sign their dogs up for insurance can expect to pay anything between $26.79 - $124.39 in monthly premiums. Keep in mind that [pet insurance coverage](https://money.com/what-pet-insurance-covers/) and pricing varies widely across providers and these are estimates gathered from quotes from our list of vetted companies. #### Cost of cat insurance in Florida The cost of pet insurance for cats in Florida, as in any other state, is priced significantly lower than that of dogs. Cats can be insured in Florida for an average of $8.36 - $34.94, depending on the policy. ### Costs of pet care in Florida In order to gauge the cost of veterinary care for pets in Florida, there’s a few factors we should keep in mind. For example, Florida is located in the subtropical and tropical climate zone. This means dogs, cats and other pets are more likely to suffer from heatstroke. The warmer climate is also home to many venomous flora and fauna (native or trafficked) that can be harmful to your pets. These can vary from venomous snakes that are illegally brought into the state to mosquitoes and [ticks](https://www.floridahealth.gov/Diseases-and-Conditions/tick-and-insect-borne-diseases/_documents/tick-brochure.pdf) that carry parasites and diseases like heartworm and lyme disease. All of these factors can contribute to higher pet care costs for pet owners in Florida. #### Average vet bills for dogs in Florida While we did not find specific information about the average cost of emergency veterinary healthcare for dogs in Florida, national averages put the number at anywhere from $250 to $8,000, depending on the type of emergency and your pet’s age, weight and overall profile. #### Average vet bills for cats in Florida As for emergency vet costs for cats, though expectedly lower, still could come out at around $150 to $3,000. The total will also depend on your cat’s profile and the specific situation. ### Pet Laws in Florida Pet ownership laws in Florida are a little different than, say, those in New York. The Sunshine State certainly has much more lenient regulations in terms of which animals can legally constitute pets — anything from exotic birds to crocs and gators, bobcats, giraffes, wolves and even venomous species. As a result, your pets might be closer than you think to other animals that may pose a threat to them. In terms of pet dogs and cats, regulations are pretty standard. According to Florida [law](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0800-0899/0828/Sections/0828.29.html), before being sold within the state, cats and dogs must have the following vaccines and treatments administered: Dogs: 1. Canine distemper 2. Leptospirosis 3. Bordetella 4. Parainfluenza 5. Hepatitis 6. Canine parvo 7. Rabies 8. Roundworms 9. Hookworms Cats: 1. Panleukopenia 2. Feline viral rhinotracheitis 3. Calicivirus 4. Rabies 5. Hookworms 6. Roundworms Pets that are given for adoption from a public or private animal shelter or animal control agency must be [sterilized](https://www.animallaw.info/statute/fl-sterilization-chapter-823-public-nuisances) before being released or before reaching sexual maturity. Moreover, dogs in the Miami-Dade area that are older than four months must be registered and are required to wear tags. #### Consumer Protection for pet insurance in Florida Although there isn’t a standard for how pet insurance is currently regulated, the NAIC has set forth some guidelines as part of its Pet Insurance Model Act. All of the companies vetted by Money currently follow these guidelines. If you, as a policyholder, believe a Florida pet insurance company has unfairly denied or purposefully delayed your claim, overcharged you for coverage or is engaging in fraudulent practices, you should file a complaint with the state’s Department of Insurance, which is in charge of regulating insurance at the state level. ## How We Found the Best Pet Insurance in Florida Our team looked through hundreds of pet insurance quotes from over ten previously vetted companies. We compared, among other things, their coverage limits, reimbursement rates, monthly premiums, exclusions, preventive care and wellness plans, the overall cost of their pet insurance plans and whether or not they offer unlimited coverage, illness or accident-only plans and perks like mobile app and vet helpline support. ## Ensure your pet’s well-being with Embrace ### The company’s pet insurance policies provide quality coverage with up to 90% reimbursement. Get a quote that fits within your budget today. [GET FREE QUOTE](https://money.com/pr/n3fb8951cd6f?ap_referrer=%2Fbest-pet-insurance-florida%2F) ## Summary of Money’s Best Pet Insurance in Florida - [Figo Pet Insurance](#figo) - [Nationwide Pet Insurance](#nw) - [Embrace Pet Insurance](#embrace) - [Spot Pet Insurance](#spot) - [Lemonade Pet Insurance](#lemonade) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/best-pet-insurance-florida/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Insurance", "item": "https://money.com/insurance/" }, { "@type": "ListItem", "position": 3, "name": "Pet Insurance", "item": "https://money.com/pet-insurance/" }, { "@type": "ListItem", "position": 4, "name": "Best Pet Insurance in Florida" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/best-pet-insurance-florida/#webpage", "url": "https://money.com/best-pet-insurance-florida/", "name": "Best Pet Insurance in Florida", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2023-12-19T12:34:05.000Z", "mainEntity": { "@id": "https://money.com/best-pet-insurance-florida/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/best-pet-insurance-florida/#breadcrumb" }, "dateModified": "2024-04-17T13:53:21.000Z", "reviewedBy": [ { "@type": "Person", "name": "Andrea Agostini Ferrer", "url": "https://money.com/author/andrea-agostini/", "@id": "https://money.com/author/andrea-agostini/#author", "description": "Andrea has been our in-house insurance expert since 2021. 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