The best pet insurance companies in Florida

There are many great pet insurance companies in Florida to choose from.

Meghan Browning


Pet insurance Have a health care policy for your pet. compensation Part or all of their covered veterinary expenses. This type of insurance is becoming increasingly popular with pet owners looking to control their veterinary expenses. According to North American Pet Health Association5.36 million pets were insured in North America in 2023, up 21.7% from 2021.

If you’re considering insuring your beloved family member, it’s important to shop around and compare different providers and policies to find the best pet insurance plan. There are several reputable pet insurers available in Florida. Below, we’ve broken down the best pet insurance companies in Florida into several different categories.

Ready to get started? Get a free pet insurance quote online right here..

The best pet insurance companies in Florida

Here are the top pet insurance companies in Florida right now:

Best for the price: Embrace.

Embrace Our top choice for Florida’s lowest cost pet insurance provider for its low premiums and various opportunities to lower your costs. The company’s average insurance costs range from $17.48 to $88.70 per month, depending on your policy options, race and other factors.

In addition, the company’s healthy pet deductible automatically reduces your deductible by $50 for each year you do not receive claim reimbursement. Incidentally, the program will soon evolve into the Healthy Pets Premium Discount Program. At this time, you can get 5% monthly premium discount during your first eligible year and 10% in the second year.

Additionally, you may qualify for a 5% discount by serving in the military or a 10% discount for insuring more than one pet.

See how much pet insurance with Embrace will cost you here..

Best for comprehensive coverage: Retrieve.

At first glance, you might assume Fetch’s Pet Insurance Coverage may be minimal as the company offers only one insurance policy for both. Cats And dogs. In fact, Fetch’s standard policy offers more coverage and benefits than many of its competitors.

For example, Fetch covers emergency doctor visits to emergency clinics in the US or Canada, so there’s no out-of-network issue. Additional coverages include physical therapy, race-related issues and up to 90% coverage for orthopedists, cardiologists and other specialty care.

Best for Flexibility: Spot

Spot Enables Florida pet owners to personalize their pet coverage with two plans as well as multiple options to adjust your costs.

Spot offers both. Just an accident and accident and illness plans, plus an optional preventive care plan for spaying or neutering, wellness or routine dental cleanings. You can add the Platinum Preventive Care Plan to your base plan for $24.95 per month and receive a total annual benefit of $450 for routine care.

Spot also provides six annual coverage limits and five. Deductions To help with your premiums and out-of-pocket costs to meet your budget.

Get a free quote from Spot today here..

Best for Dogs: AKC

The American Kennel Club (AKC) is the top pet insurance provider for dogs in Florida for several reasons.

To begin with, unlike other pet insurance providers, AKC offers coverage for Pre-existing conditions. Once you have a continuous policy for 365 days, you are eligible for pre-existing condition coverage.

Also, many pet insurance companies don’t just offer accident coverage, but the AKC does with accident and illness coverage. If a comprehensive accident and illness plan doesn’t fit into your budget, you can at least avoid the high costs you might face if your dog were to get hurt unexpectedly.

Finally, AKC Pet Insurance offers unique add-on policies for an additional cost. For example, fertility coverage extends to emergencies such as a C-section or liver failure, while last-expenses coverage includes funeral, cremation and memorial costs.

Learn more about insuring your dog with the AKC here..

Best for cats: Figo

Figo A great choice to ensure your Florida cat at an affordable price. For example, we received the following quotes for a three-year-old mixed cat in Orlando:

  • $7.07 per month: This value plan covers 70% up to $10,000 annually, with a $500 deductible.
  • $12.40 per month: For a little more than $5 dollars, you can increase your coverage to 80% reimbursement of approved veterinary expenses up to $10,000 per year with a low deductible of $250.
  • $18.72 per month. For less than $20 a month, you’ll get 90% coverage for approved doctor medical expenses with no coverage limits, after paying a $500 deductible.

Figo’s cat insurance coverage is comprehensive and includes customizable options for your coverage limit, deductible and reimbursement percentage to find the perfect balance of coverage and affordability.

Explore Figo’s pet insurance options today..

Best for a quick recharge: Lemonade

Lemonade Florida has the best pet insurance to cover your initial vet expenses.

The main benefit of pet insurance is to help you reduce and control out-of-pocket veterinary expenses, which can often be expensive. Hence choosing a pet insurance provider that processes claims and pays you out promptly.

Lemonade allows you to file a claim through its app. Your claim can be approved instantly, in which case Lemonade promises to pay the claim within seconds. If it’s not approved immediately, the AI ​​program sends your claim to human representatives to process it manually.

Start with lemonade..

Best for direct payments to doctors: Pets Best

As the best pet insurance carrier for pet direct payments, Pets best It can help you eliminate compensation worries altogether. Instead of waiting for reimbursement, Pets Best can pay your vet directly for any claim settlement amount. This scenario works like healthcare for humans. Best Pet pays your veterinary professional, so you don’t have to withdraw money from your bank or use a credit card to cover the bill.

To take advantage of the company’s Vet Direct Pay service, you must submit a signed Veterinarian Reimbursement Release form with your completed claim. After your claim is approved, Pets Best will send your qualified reimbursement to your veterinarian. You may be responsible for paying any amounts not covered by your policy.

Learn more about pets today..

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