Best Pet Insurance in Florida


Across the Sunshine State, pet house owners are on the lookout for the very best approach to hold their pets wholesome and guarded in an emergency. Pet insurance coverage can present a buffer in opposition to the price of each sudden occasions and preventive care, and it may be a sensible funding in case your furry buddy is eligible.

The rising world of pet insurance coverage is filled with choices, and we on the Home Media evaluations group have spent lots of of hours researching high suppliers’ plans, worth factors, advantages and protection. We additionally surveyed a thousand pet house owners and examined lots of of third-party evaluations on every supplier to grasp shopper considerations. Now, we’ve recognized the highest pet insurance firms in Florida to maintain your four-legged relations wholesome.


Florida’s 6 Top Pet Insurance Companies

Here are the highest pet insurance coverage suppliers obtainable to pet dad and mom in Florida:


Coverage and value: Spot is a superb selection for buyers to customise their pet insurance coverage coverage. The choices for policyholders embody accident-only and accident-and-illness plans, wellness add-ons and 7 protection caps starting from $2,500 to limitless. The supplier additionally pays for microchipping, diagnostic exams and coverings for accidents, examination charges and behavioral therapies.

Preventive care insurance policies with Spot embody its Gold and Platinum plans. Gold gives as much as $250 per yr of per-treatment limits for objects corresponding to fecal testing, vaccinations, heartworm exams and dental cleanings, whereas Platinum gives as much as $450 for these preventive providers per yr.

Elective or beauty veterinary providers, points from being pregnant and breeding and preexisting circumstances are exclusions in Spot insurance policies.

For an concept of pricing on Spot’s accident-and-illness plans, we’ve included the typical vary of pattern quotes we obtained. All quotes have been for mixed-breed canines and cats between 1 and 9 years of age with a $5,000 annual protection restrict, a $250 deductible and an 80% reimbursement price:

  • Dogs: $37–$74 per 30 days for Accident and Illness Coverage
  • Cats: $19–$36 per 30 days for Accident and Illness Coverage

Get a quote: Visit Spot’s web site for a streamlined pet insurance coverage quote course of with an adjustable protection cap instrument.

To be taught extra: Spot Pet Insurance overview



Coverage and value: Embrace gives one simple pet insurance coverage plan to cowl each accidents and sicknesses. The plan covers allergic reactions, dental care, examination charges, emergency care and different therapies.

One standout function that Embrace gives is its complete wellness plan, which covers 100% of the prices for preventive and routine care. This implies that Embrace pays the payments on your pet’s wellness and scheduled visits as much as the required restrict, reasonably than reimbursing the pet guardian at a selected price of the full price.

Some routine therapies lined embody vaccinations, wellness examinations, dental cleanings and even microchipping. The non-compulsory Wellness Rewards plan is on the market at three totally different tiers: as much as $250, $450 or $650 of protection for wellness bills not together with accidents and sicknesses. Embrace excludes preexisting circumstances, organ transplants, beauty procedures and points as a consequence of breeding or being pregnant.

We obtained the next quotes whereas secret-shopping Embrace insurance policies for mixed-breed canines and cats between 1 and 9 years of age residing in Fort Lauderdale, Fla. These quotes are for a coverage with a $300 deductible, an 80% reimbursement price and a $5,000 protection restrict.

  • Dogs: $25–$77 per 30 days
  • Cats: $17–$37 per 30 days

Get a quote: Use Embrace’s fast on-line type to get your Florida pet’s price.

To be taught extra: Embrace pet insurance coverage overview



Coverage and value: Healthy Paws’ customary insurance policies have limitless annual, per-incident and lifelong protection, stopping pet house owners from paying out of pocket for veterinary providers or reaching a restrict for his or her pet’s protection. The supplier gives one plan masking accidents and sicknesses corresponding to hereditary circumstances, continual circumstances, hospitalization, diagnostics and most cancers.

The insurer doesn’t provide preventive pet well being care add-ons to cowl routine care, and its insurance policies exclude protection for spay or neutering procedures, examination charges or behavioral therapies. Healthy Paws additionally doesn’t cowl hip dysplasia till after the primary 12 months.

Healthy Paws will not be the very best selection for older pets, as fluffy buddies aged 6 or older have restricted customization choices on this coverage, typically receiving fastened reimbursement percentages and deductibles. Despite some limitations, listed below are the typical costs for mixed-breed cats and canines in Fort Lauderdale with a $200 deductible and 80% reimbursement price, when obtainable:

  • Dogs: $35–$69 per 30 days for a regular plan
  • Cats: $23–$45 for a regular plan

Get a quote: Healthy Paws gives a free quote instrument.

To be taught extra: Healthy Paws Pet Insurance overview



Coverage and value: ASPCA Pet Health Insurance gives two plan choices: Accident-Only Coverage and Complete Coverage. As the title suggests, Accident-Only Coverage takes care of bills from sudden occasions corresponding to cuts, damaged bones and torn ligaments. Complete Coverage consists of extra potential prices, corresponding to therapy and diagnostic measures for most cancers, allergic reactions, arthritis and digestive points.

Beyond accidents and sicknesses, ASPCA Pet Health Insurance gives an choice to buy a preventive care add-on to help with routine prices corresponding to heartworm exams, fecal exams, dental cleanings and dewormings. The Basic plan consists of as much as $250 per yr for these routine care prices, whereas the Prime plan will increase that annual protection restrict to $450.

While secret-shopping the corporate, we requested quotes for Complete Coverage insurance policies with a $250 deductible, $5,000 protection cap and 80% reimbursement price for mixed-breed canines and cats between 1 and 9 years outdated. The pattern averages we obtained have been these:

  • Dogs: $36–$84 per 30 days for the Complete Coverage Plan, which covers each accident and sickness
  • Cats: $20–$36 per 30 days for the Complete Coverage Plan

Get a quote: To discover your pet’s customized price, request a quote on-line from ASPCA Pet Health Insurance.

To be taught extra: ASPCA pet insurance coverage overview



Coverage and value: Prudent Pet provides pet house owners three ranges of protection to suit their wants. The Accident-Only plan covers emergencies as much as $10,000 for prices corresponding to therapies for chew wounds, hospitalization and prescription drugs. The Essential plan covers accidents and sicknesses as much as $10,000, constructing on Accident-Only protection by together with prices for digestive sickness, hip dysplasia, hereditary circumstances and swallowed objects. 

Prudent Pet’s Ultimate plan consists of all the things in its Essential plan, in addition to a number of extras like $1,000 of behavioral therapy protection, boarding charges for pets for those who’re hospitalized for greater than 4 days, pet loss as a consequence of theft or stray and extra.

In addition to its three obtainable plans, Prudent Pet additionally gives protection for veterinary examination charges at an additional price. All three plans in Prudent Pet’s portfolio exclude natural therapies, preexisting circumstances and beauty or elective procedures.

To get a way of Prudent Pet’s Florida pricing, we secret-shopped for quotes on mixed-breed canines and cats in Fort Lauderdale between the ages of 1 and 9 years outdated. For consistency, we chosen a $250 deductible and 80% reimbursement price for all quotes requested. 

  • Dogs: $55–$106 per 30 days for the Essential plan, masking accident and sickness
  • Cats: $34–$60 per 30 days for the Essential plan

Get a quote: Get a quick Prudent Pet quote on-line to see charges for all three plans.

To be taught extra: Prudent Pet insurance coverage overview



Coverage and value: Pawp gives an emergency fund membership reasonably than conventional pet insurance coverage like different firms on this listing. The membership consists of as much as $3,000 to cowl bills for one life-threatening pet-health emergency each yr, paid to your veterinary workplace with none out-of-pocket prices. Covered objects embody extreme inside or exterior accidents, choking and poisonous ingestions.

To use the fund, you will need to first current your pet to a veterinarian in Pawp’s digital clinic, who should deem the emergency to be life-threatening and in want of quick therapy. Once your emergency is permitted, you will need to go to a vet inside 4 hours. Pawp is designed strictly for extreme occasions and doesn’t lengthen its fund to pay for scheduled procedures or therapies, preventive care, breeding or being pregnant points or any incident not thought of life-threatening. 

Pawp memberships come at one flat price of $24 per 30 days. The fund might be used for one emergency yearly at a price of as much as $3,000.

To be taught extra: Pawp overview



Which is The Best Pet Insurance Company in Florida?

In a survey of 1,000 pet house owners throughout the United States, we discovered that greater than 40% of respondents would need to pay for a pet emergency with a bank card or private mortgage. Pet insurance coverage can cut back out-of-pocket prices and excessive vet payments so you possibly can deal with what issues — your pet’s street to restoration.

For house owners of younger pets, Embrace could be the good selection on your pet’s or kitten’s preventive care, whereas Prudent Pet gives limitless protection and complete advantages for the pet guardian who desires top-of-the-line care. We suggest pulling quotes from a minimum of three suppliers to check charges and discover the very best pet insurance coverage choice on your furry buddy.


Compare Top Pet Insurance Providers in Florida

Here’s a side-by-side comparability of the very best pet insurance firms obtainable in Florida:

*Each supplier’s month-to-month price relies on accident-and-illness coverage premiums from quotes we obtained on 4-year-old, medium-sized canines in Fort Lauderdale, Fla. Because pricing could differ primarily based in your pet’s age, breed and placement, we suggest getting quotes straight from firms so you possibly can get probably the most correct price data.


Types of Pet Insurance Plans

Though choosing house insurance coverage and renters insurance coverage can require in-depth information of the topic, selecting your pet insurance coverage is comparatively simple. The two varieties of plans usually supplied are protection for accidents and extra complete protection for each accidents and sicknesses. Beyond customary plans, many pet insurance coverage businesses provide add-ons for routine and wellness care at a further cost.

Here’s a information to how every sort of pet insurance coverage works:

  • Accident-only plan: This is a well-liked selection for house owners searching for low-cost pet insurance coverage. Premiums are inclined to be decrease, as this plan solely covers sudden occasions corresponding to poisonous ingestions, damaged bones, inside or exterior accidents, swallowed objects and cuts.
  • Accident-and-illness plan: This plan sort builds on the choices of accident-only plans, providing extra complete protection. It covers sicknesses and points corresponding to hip dysplasia, most cancers, digestive points, allergic reactions and continual or congenital circumstances. Since this plan consists of extra circumstances, the premiums are larger than accident-only protection.
  • Preventive care add-ons: No canine or cat insurance coverage plan gives payouts for preventive care, however for a further payment, you possibly can add insurance coverage to cowl the price of preserving your pet wholesome. Particularly for house owners of puppies or kittens, preventive care might be costly as they obtain vaccines, wellness checkups and microchipping. This makes a wellness add-on a smart selection for a lot of youthful pets, whereas some older animals could not want the identical extra care.



How to Choose the Right Pet Insurance Provider

Choices for plans, protection, customization choices and add-ons will differ amongst pet insurance coverage suppliers. These components can have an effect on your month-to-month price, what you pay in an emergency and even what objects are included in your plan. Certain plans will probably be a better option primarily based in your pet’s age, breed and different aspects.

Here’s what to search for to search out the best match: 

  • Plan sort: An accident-only plan can cut back your premiums whereas providing minimal protection. Prudent Pet, ASPCA Pet Health Insurance and Spot provide accident-only plans. Other rivals on this listing solely present extra complete accident-and-illness plans. 
  • Coverage limits: Pet dad and mom ought to decide how a lot protection they assume their animal will want. In specific, in case your cat or canine breed is vulnerable to sure costly sicknesses like hip dysplasia, it could be helpful to get a better degree of protection to stop reaching a restrict and paying out of pocket. Healthy Paws can provide comparatively reasonably priced charges for limitless protection caps, whereas Prudent Pet’s limitless plan charges typically run barely larger.
  • Policy customization: Most suppliers permit you to select your reimbursement price and deductible alongside along with your protection cap. Lower reimbursement charges and better deductibles can decrease your coverage worth. Spot gives probably the most customization choices for plans.
  • Wellness protection: For pet dad and mom of youthful animals or rescues which are nonetheless getting preliminary deworming, heartworm remedy, checkups and microchipping, selecting a plan with a wellness add-on could lower your expenses. One standout choice is Embrace, which covers 100% of the required routine care prices as much as the annual restrict, reasonably than reimbursing a sure share of preventive bills.




Our Methodology

Our overview of pet insurance firms relies on in-depth trade analysis that features studying lots of of buyer evaluations, simulating the quote and buying course of, chatting with representatives on the cellphone to evaluate the shopper service expertise and surveying 1,000 canine and cat house owners nationwide to find out an important components of pet insurance coverage protection. We have scored every supplier on a 100-point scale primarily based on these components.

Here are extra particulars about every issue and the way they’re weighted:

  • Monthly pricing (25 factors): How a lot every firm costs for its pet insurance policy is a very important a part of a buyer’s choice. The finest pet insurance firms mix complete protection and plan choices with reasonably priced charges.
  • Plans (15 factors): The high pet insurance firms provide accident-and-illness plans, accident-only plans and wellness or preventive care add-ons to provide clients the choice to decide on a plan that’s finest for his or her pet.
  • Covered therapies (15 factors): With this issue, we scored firms primarily based on the therapies and procedures they cowl. Companies with a breadth of included therapies and distinctive coverages obtained extra factors than suppliers with extra customary or normal insurance policies.
  • Customization choices (10 factors): Customizing your coverage is a priceless approach to make sure you solely pay for what your pet wants. Providers with extra annual-limit, deductible and reimbursement-rate choices earned the very best scores.
  • Customer care (10 factors): We scored firms on their web site accessibility and general usability, customer support availability, cellular apps (if any), money-back ensures and veterinarian telehealth choices, awarding factors to the insurers with extra buyer expertise choices.
  • Industry repute (10 factors): To decide every firm’s trade repute, we reviewed up-to-date rankings and accreditation data from the Better Business Bureau (BBB) and scored firms on their years of expertise within the trade and their state availability.
  • Waiting intervals (10 factors): Companies with shorter accident, sickness and orthopedic ready intervals between the sign-up and protection begin date scored larger than firms with longer ready intervals.
  • Eligible age (5 factors): Some firms don’t provide insurance policies for pets which are over a sure age. We deducted factors from suppliers which have age limits for lined pets.

We use our score system to check and distinction every firm in opposition to key aspects to assist us decide the very best pet insurance firms within the trade. Additionally, we hold our analysis up to this point and revisit our evaluations frequently.