6 Best Florida (FL) Pet Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

As a licensed Florida insurance agent and pet owner, I have researched all the best options for you so that you can rest assured that you’re providing your pet with the best protection for the best rates. Whether you live in Jacksonville, Miami, Tampa, Orlando, Boca Raton, Ft. Lauderdale or anywhere in between, we’re here to help you determine which Florida pet insurance policy is right for you. Read more about our unbiased ranking methodology and advertiser disclosure.

Top FL Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best pet insurance providers in Florida. The average monthly Florida-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Florida with a 33155 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 and are subject to change. For the most up-to-date information, please visit the provider website.

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

STANDARD PLAN
COST IN FLORIDA

$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
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Florida pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN FLORIDA

$100.64/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.8
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Florida pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN FLORIDA

$38.97/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Florida 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
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Florida pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN FLORIDA

$43.25/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 mutual insurance company supported by its members
4.7
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Florida pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN FLORIDA

$51.07/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
spot pet insurance
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Florida pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN FLORIDA

$43.71/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

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

STANDARD PLAN
COST IN FLORIDA

$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

How much does dog & cat insurance cost in Florida for the 15 most popular breeds?

The price for Florida pet insurance varies depending on where you live. To give you an idea we’ve collected prices for three cities shown below. The prices will also vary based on the age, health, and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in Florida we suggest getting a quote directly with Figo or Wagmo.

Dog Insurance Prices in Florida:

  1. Mixed Breed
    • Orlando – $46.70/ mo
    • Miami – $36.90/ mo
    • Del Rey Beach – $46.70/ mo
  2. Labrador Retriever
    • Orlando – $49.32/ mo
    • Miami – $38.97/ mo
    • Del Rey Beach – $49.32/ mo
  3. Golden Retriever
    • Orlando – $56.68/ mo
    • Miami – $44.94/ mo
    • Del Rey Beach – $56.68/ mo
  4. German Shepherd
    • Orlando – $53.32/ mo
    • Miami – $42.13/ mo
    • Del Rey Beach – $53.32/ mo
  5. Goldendoodle
    • Orlando – $51.27/ mo
    • Miami – $40.51/ mo
    • Del Rey Beach – $51.27/ mo
  6. Chihuahua
    • Orlando – $26.33/ mo
    • Miami – $20.80/ mo
    • Del Rey Beach – $26.33/ mo
  7. Siberian Husky
    • Orlando – $54.12/ mo
    • Miami – $42.76/ mo
    • Del Rey Beach – $54.12/ mo
  8. Yorkshire Terrier
    • Orlando – $39.09/ mo
    • Miami – $30.89/ mo
    • Del Rey Beach – $39.09/ mo
  9. American Pit Bull Terrier
    • Orlando – $54.43/ mo
    • Miami – $43.01/ mo
    • Del Rey Beach – $54.43/ mo
  10. Australian Shepherd
    • Orlando – $38.29/ mo
    • Miami – $30.25/ mo
    • Del Rey Beach – $38.29/ mo
  11. Dachshund
    • Orlando – $43.58/ mo
    • Miami – $34.44/ mo
    • Del Rey Beach – $43.58/ mo
  12. Shih Tzu
    • Orlando – $39.36/ mo
    • Miami – $31.10/ mo
    • Del Rey Beach – $39.36/ mo
  13. French Bulldog
    • Orlando – $55.41/ mo
    • Miami – $43.78/ mo
    • Del Rey Beach – $55.41/ mo
  14. Boxer
    • Orlando – $63.55/ mo
    • Miami – $50.21/ mo
    • Del Rey Beach – $63.55/ mo
  15. Labradoodle
    • Orlando – $51.27/ mo
    • Miami – $40.51/ mo
    • Del Rey Beach – $51.27/ mo

Cat Insurance Prices in Florida:

  1. Mixed Breed
    • Del Rey Beach – $24.83/ mo
    • Miami – $19.62/ mo
    • Orlando – $24.83/ mo
  2. American Shorthair
    • Del Rey Beach – $37.80/ mo
    • Miami – $29.87/ mo
    • Orlando – $37.80/ mo
  3. Bengal
    • Del Rey Beach – $27.89/ mo
    • Miami – $22.04/ mo
    • Orlando – $27.89/ mo
  4. Bombay
    • Del Rey Beach – $27.89/ mo
    • Miami – $22.04/ mo
    • Orlando – $27.89/ mo
  5. British Shorthair
    • Del Rey Beach – $27.89/ mo
    • Miami – $22.04/ mo
    • Orlando – $27.89/ mo
  6. Exotic
    • Del Rey Beach – $27.89/ mo
    • Miami – $22.04/ mo
    • Orlando – $27.89/ mo
  7. Himalayan
    • Del Rey Beach – $27.89/ mo
    • Miami – $22.04/ mo
    • Orlando – $27.89/ mo
  8. Maine Coon
    • Del Rey Beach – $30.23/ mo
    • Miami – $23.88/ mo
    • Orlando – $30.23/ mo
  9. Persian
    • Del Rey Beach – $30.23/ mo
    • Miami – $23.88/ mo
    • Orlando – $30.23/ mo
  10. Ragdoll
    • Del Rey Beach – $30.23/ mo
    • Miami – $23.88/ mo
    • Orlando – $30.23/ mo
  11. Russian Blue
    • Del Rey Beach – $27.89/ mo
    • Miami – $22.04/ mo
    • Orlando – $27.89/ mo
  12. Scottish Fold
    • Del Rey Beach – $30.23/ mo
    • Miami – $23.88/ mo
    • Orlando – $30.23/ mo
  13. Siamese
    • Del Rey Beach – $30.23/ mo
    • Miami – $23.88/ mo
    • Orlando – $30.23/ mo
  14. Sphynx
    • Del Rey Beach – $27.89/ mo
    • Miami – $22.04/ mo
    • Orlando – $27.89/ mo
  15. Abyssinian
    • Del Rey Beach – $27.89/ mo
    • Miami – $22.04/ mo
    • Orlando – $27.89/ mo

Not finding your specific pet breed? Wagmo pet insurance is our #1 recommendation for Florida and they’ll be able to give you a quick quote for your exact needs.

Florida Pet Insurance FAQs

In Florida, how much will pet insurance cost me?

Your average monthly payment will be around $20 for a kitten and $25 for an adult for an average domestic shorthair cat’s basic insurance plan. For a large cat’s basic insurance plan, like the larger breed Maine Coon, the average will be around $25 for a kitten and $30 for an adult.

For a small dog’s basic insurance plan, your average monthly payment will be around $20 for a puppy and $25 for an adult. For a large dog’s basic insurance plan, the average will be around $40 for a puppy and $50 for an adult.

By location, Jacksonville, FL seems to have higher monthly rates on average for pet insurance than areas like Miami and Tallahassee.

As a Florida pet owner, is it worth insuring my pet?

As fellow pet owners, we understand how exciting it can be to adopt a pet–and how that excitement can be tinged with nervousness over the new responsibilities that come with a pet. Part of these responsibilities involves paying those expensive vet bills when your kitten, dog, or guinea pig comes down with an emergency illness or injury.

Pet owners are sometimes not prepared for how much these vet visits may cost, and some are left with the unfortunate decision to have their pet euthanized because they simply couldn’t pay the vet bill. Having the right insurance for you and your pet can minimize the likelihood of this tragic reality.

What does pet insurance cover?

Pet insurance usually covers vet expenses that occur because of medical emergencies related to broken bones, allergic reactions, infections, and other illnesses and injuries.

However, pet insurance does not typically cover “standard” expenses like routine wellness exams, checkups, vaccinations, and spay/neuter operations. If your pet has any pre-existing health condition, that condition also won’t be covered by your pet insurance.

How does pet insurance work?

After purchasing your pet insurance, you will have to wait for the insurance to become active before you can submit any claims. This waiting period typically lasts for 14 days, if not a little longer. Once this period is over, you can use your pet insurance by paying your vet directly when an emergency happens and submitting a claim to your insurance. Later, your insurance will reimburse you for between 70 and 90 percent of the vet costs, otherwise known as your reimbursement rate.

Which is better, a high or low deductible?

When deciding between a high or low deductible for your new pet insurance plan, you’ll want to consider your current financial situation and which would be more affordable for you in the long run. In comparison with a high deductible, a low deductible means that you will pay a bit more each month so that you can pay less when your pet has an emergency.

Check out your insurance company’s website to see if they provide an easy-to-use quote calculator to help you decide between a high or low deductible.

How old does my pet need to be for me to get them insurance?

Each insurance company will vary on what age your pet needs to be in order for you to get them covered by insurance. Typically, your puppy needs to be between 6 and 8 weeks old, whereas a kitten needs to be a good deal older, usually around 8 months old. Any accidents your puppy or kitten gets into before you get covered will all have to be paid out of pocket, so we recommend purchasing insurance for your pet before their first birthday if you can.

How do I know which vet will take my pet insurance?

You can take your pet insurance to any vet of your choosing. There is never any direct exchange between your insurance company and your vet’s office, so you are able to pick out whatever vet you’d like.

5 Useful Strategies for Keeping Your Pet Safe & Healthy in Florida

While permanently indoor pets like guinea pigs and ferrets may not ever be exposed to some of Florida’s wildlife dangers, it is still up to you to look out for your pet’s wellbeing in the day-to-day routines. We have listed below 5 different strategies for maintaining your pet’s health and safety in Florida:

1. Be aware of Florida sharks

While you may not live right on the water in your corner of Florida, if you and your pet visit the waters of New Smyrna Beach, you’ll want to keep a keen eye out for sharks, as New Smyrna Beach is commonly known as the shark capital of the world.

2. Watch out for alligators

American alligators found in Florida have occasionally mistaken pets for prey, so we suggest letting your pet outside with caution if you have any reason to suspect they may be wandering around in your neighborhood. These powerful biters are naturally timid, but may attack if they are protecting their young or feel threatened.

3. Keep your eyes peeled for snakes

Florida is home to roughly 50 different species of snake, including 6 that are venomous. Venomous snakes like the Southern Copperhead and the Timber Rattlesnake often have very recognizable features, so we suggest brushing up on your knowledge of these venomous snake species so that you can be prepared should you see one when walking with your pet.

4. Never leave your pet unattended in a car

A good and potentially lifesaving rule of thumb is to never leave your pet unattended in the car, particularly in the summer months.

5. Always have your pets collar up-to-date

Another general tip for keeping your pet safe is to make sure their collar is updated with current tags so that you can be quickly contacted if they get lost; additionally, you might visit your vet to get them microchipped.

5 Unique Pet Rescue Shelters in Florida

While you could visit your nearest pet store when deciding on your perfect addition to the family, we highly recommend visiting your local animal shelter instead. Adopting saves lives and helps prevent the abuse cycle created by puppy mills. Consider visiting one of these five unique animal shelters in Florida when you and your family go to find your next furry friend.

1. Gulf Coast Humane Society in Fort Myers, FL

As a dedicated no-kill shelter, the Gulf Coast Humane Society works to provide better lives for unwanted companion animals. This shelter has a vet clinic, a spay/neuter clinic, and an online pharmacy available for current and potential adopters to promote the Adopt, Don’t Shop mentality throughout its community.


2. Humane Society of Polk County in Winter Haven, FL

In addition to their spay/neuter and re-homing services, the Humane Society of Polk County coordinates a very special community program called “Paws to Read” that helps young kids overcome their fear of reading out loud by reading to the shelter’s certified therapy dogs.


3. Animal Rescue Force of South Florida, Inc. in West Palm Beach, FL

With foundations dating back to 1974, the Animal Rescue Force of South Florida, Inc. began its animal-saving journey with a unique “Petmobile” for the purpose of bringing the animals to the people. This little mobile got over a thousand animals matched with their forever homes in a year.


4. Human Society of the Treasure Coast in Palm City, FL

The Humane Society of the Treasure Coast began in 1955 and has since worked tirelessly to rehome 3,000 pets annually due to their adoption services and various other programs. This shelter is dedicated to a special woman who valued animal lives as much as people’s, Mrs. Constance Matheson Baker.


5. Animal Refuge Center in North Fort Myers, FL

The Animal Refuge Center was started to minimize the astonishing rate of euthanizations occurring in Lee County, FL, and bring hope to those wanting to care for unwanted, homeless, and hurting animals in their communities. Their large dog adoption totals dramatically increased with the creation of their ARC Academy.


Conclusion

Hopefully, your pet insurance hunt has started to feel a little less confusing and daunting as you’ve read through this article. Now that you’re here, we hope that you feel comfortable taking the next step in getting your beloved pet covered by pet insurance. While adding pet insurance to the list of monthly expenses may feel a touch unnecessary, this is an important decision that could potentially save your pet’s life later on down the road, not to mention the state of your finances. Protect you and your pet from needless euthanization simply because you couldn’t pay for their veterinary care by getting them covered.

While we suggest purchasing your pet’s insurance before their first birthday since it’s cheaper than covering an adult animal, pet insurance is a great means of safeguarding your pet no matter their age. Through our extensive research, we found that Wagmo pet insurance consistently performed the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Florida

We ranked the best pet insurance policies in Florida based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Florida with a 33155 zip code
  • 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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