5 Best Florida (FL) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

I am a proud cat owner, and I would do absolutely anything for my Kitten. Many people think that felines are disinterested in humans and don’t return our love, but true cat lovers know otherwise. One thing that we, as owners, owe our cats is to keep them safe and healthy. As a licensed Florida insurance agent, I believe that cat insurance is the best way to guarantee your feline is protected at all times. This article will tell you everything you need to know about cat insurance, regardless of what part of Florida you live in, whether Fort Lauderdale, Venice, Tampa, Miami, Orlando, Jacksonville or even the tiny town of Webster. Read more about our unbiased ranking methodology and advertiser disclosure.

Top Florida (FL) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Florida (FL) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Florida (FL) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

pumpkin logo
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR FLORIDA (FL) CATS

$20.04/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR FLORIDA (FL) CATS

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
4.6
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR FLORIDA (FL) CATS

$30.48/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR FLORIDA (FL) CATS

$29.87/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Florida (FL) Cat vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR FLORIDA (FL) CATS

$36.00/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company

pumpkin logo
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR FLORIDA (FL) CATS

$20.04/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company

Florida (FL) Cat Insurance FAQs

What is cat insurance?

Like people, cats can suffer from medical issues ranging from mild annoyances to severe life and death tragedies. Cat insurance is essentially a veterinary equivalent to our insurance for human medical bills. If your feline needs to see the vet for any reason, pet insurance can help make the trip more affordable, ensuring your kitty gets the best treatment possible for its ailments. Keep in mind that different insurance providers offer varying coverages, so you must familiarize yourself with any given policy before you sign up for insurance.

Do I really need cat insurance in Florida?

As a licensed insurance agent, I get this question a lot. While your location can pose additional risks to your pet, numerous health and genetic issues can affect your feline that is not related to your location at all. However, Florida is dangerous for a domestic cat due to the temperature, weather, and wildlife. If you are not sure you need pet insurance, keep in mind that any illness or injury can easily cost thousands of dollars for an uninsured cat owner, depending on the treatment required.

How do I sign up for cat insurance?

The process of signing up for cat insurance is relatively straightforward. First, you will want to research different insurance companies and learn the differences between their policies. You should have a basic idea of what coverages you would like for your pet and use this to help you decide on a provider. Once you decide on an insurance carrier, you will sign an agreement with them. Generally, you will make your first premium payment immediately. As long as you stay up-to-date on monthly payments, you can relax knowing that your insurance is ready to go as soon as you need it.

How does insurance claim compensation work?

Insurance claim compensation works the same way for the majority of providers. You will first have to pay it out of pocket when you receive your vet bill. Following that, you will file a claim and send it to your provider. After they review your claim, your insurance company will compensate you according to the terms of your policy agreement. You must be current on your monthly premium payments to avoid your policy lapsing in a time of need.

How does insurance reimbursement work?

Here is a basic example of insurance reimbursement:

Let’s assume that your current cat insurance policy has a 90% reimbursement amount, with a $250 deductible and a $20,000 max annual benefit. Tragedy strikes, and you have to rush your kitty to the emergency vet. Fortunately, the veterinarians save your feline’s life. However, your vet bill is a whopping $10,000. You responsibly take immediate action by filing a claim with your insurance provider. Per your policy, your insurance company reimburses you for $9,000 minus your $250 deductible. All in all, because you have cat insurance, you are only paying $1,250 out of pocket instead of $10,000! This is a prime example of how vital pet insurance truly is.

What types of vet bills does cat insurance cover?

Most insurance providers offer coverage for anything considered “sudden and catastrophic.” This can be anything from broken bones and lacerations to allergic reactions or choking. Additionally, different insurance companies offer varying coverage for a number of other situations. This includes “wellness packages,” which provide more routine coverage for things like periodic vet exams, heartworm medication, vaccinations, and more.

Insurance companies typically decline to cover any preexisting conditions. If your cat has been diagnosed with something prior to signing up for insurance, your provider will not pay for it. This is because insurance is to be used as a preventative measure, not a corrective one. Insurance companies would never make money if people never got insurance until they had bills they needed to be paid.

5 Helpful Tips for Keeping Your Cat Healthy and Safe in Florida

The best decision you can make for your feline is to purchase cat insurance. However, we all have things we can do to keep our cats safe and out of the vet when possible. Here are five helpful tips for keeping your kitty healthy and safe in Florida:

1. Schedule Regular Vet Visits

Nobody, your cat included, really looks forward to going to the vet. However, one of the best ways to keep your cat in good health is to commit to regular vet exams. It can seem like a drag, but a skilled veterinarian periodically looking over your pet is an excellent way to be sure that your cat is healthy. In addition, a good veterinarian can find many health issues early on and treat them before they become significantly more costly and dangerous.

2. Know your local Wildlife

Florida is known throughout the country as a particularly dangerous state for pets. One pervasive threat is the American Alligator. They are very stealthy and could snap up your kitty in seconds for a tasty snack. Additionally, there are poisonous snakes and poisonous spiders everywhere! If you have an outdoor cat or an indoor/outdoor cat, keeping tabs on its location is essential. These predators will think nothing of killing your feline, and your cat honestly doesn’t stand a chance.

3. Don’t leave out Plastic Bags

Because of their curious nature, many household items pose significant dangers to cats. For example, it is essential to keep cords, strings, and plastic bags put away when you will not be around your feline. Too many cats have died from suffocation in bags and strangulation by cables due to their insistence on playing with these items.

4. Keep your Cat Hydrated

Since Florida is a subtropical climate, it offers numerous weather-related hazards that can endanger your feline. Hurricanes and flooding can quickly replace high heat and humidity. With this in mind, it is crucial to keep your cat hydrated and essential that you bring your kitty with you if you ever have to evacuate your home. The last thing you want is for your cat to be trapped in a flooding space while you are safe elsewhere.

5. Watch out for Dogs

One thing that is often overlooked when it comes to feline safety is the presence of a family dog. If you observe tension between your pets, you must work to resolve that before they begin to spend time alone together. When a cat feels threatened, it lashes out with classes and can get very angry very quickly. A dog can easily misinterpret this as a direct threat to its owner and attack your feline while away.

Conclusion

Initially, the thought of buying cat insurance can seem intimidating. The confusing policy language and variety of options don’t tend to help put first-timers at ease. However, we hope that this article has shed some new light on pet insurance so that you can take the next step toward protecting your furry friend. Cat insurance will give you the security and peace of mind that you are doing everything in your power to keep your feline safe and healthy!

Ready to get started? After countless hours of research, we’ve found that Pumpkin pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Florida (FL) Cats

We ranked the best pet insurance policies for Florida (FL) Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Florida (FL) Cat with a $500 deductible located in the 33155 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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