The best pet insurance companies in Florida

The best pet insurance companies in Florida

There are many worthwhile Florida pet insurance companies to choose from now.


Pet insurance is a health care policy for your pets that reimburses some or all of their veterinary expenses covered. This type of insurance is becoming increasingly popular with pet owners looking to control their veterinary costs. According to the Animal Health Association of North America, 5.36 million pets were insured in North America in 2023, an increase of 21.7% compared to 2021.

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

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

The best pet insurance companies in Florida

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

Best for the cost: Embrace

fold is our top pick for the most affordable pet insurance provider in Florida for its lowest premiums and various options to lower your costs. Average company insurance costs range from $17.48 to $88.70 per month, depending on your policy options, race and other factors.

Also, the Healthy Pet Company deductible automatically lowers your deductible by $50 for each year you do not receive a claim refund. Incidentally, the program will soon change to a Premium discount program for healthy animals. At that point, you can earn a monthly discount of 5% during the first eligible year and 10% in the second year.

Additionally, you may qualify for a 5% discount by serving in the military (active and former members) or a 10% discount for insuring more than one pet.

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

Best for comprehensive coverage: Fetch

At first glance, you might assume Fetch Pet Insurance coverage may be minimal as the company only offers a single insurance policy for both cats AND the dogs. In reality, Fetch’s standard policy offers more coverage and benefits than many of its competitors.

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

Best for flexibility: Spot

country allows Florida pet owners to customize their pet coverage with two plans plus multiple options to adjust your costs.

Spot offers both only for accidents and accident and illness plans, plus an optional preventative care plan for spay or neuter, 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 offers six annual coverage limits and five DEDUCTIONS to help calculate your premiums and out-of-pocket costs to meet your budget.

Get a free quote from Spot here today.

Best for Dogs: AKC

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

For starters, unlike other pet insurance providers, AKC offers coverage for pre-existing conditions. You are eligible for pre-existing condition coverage after having a continuous policy for 365 days.

Also, many pet insurance companies don’t offer accident-only coverage, but AKC does, along with accident and illness coverage. If a comprehensive accident and illness plan doesn’t fit into your budget, at least you can protect yourself from the high costs you could face if your dog suddenly suffers an injury.

Finally, AKC Pet Insurance offers unique add-on policies for an additional cost. For example, breeding coverage extends to emergencies such as caesarean section or liver failure, while final expense coverage includes costs for burial, cremation and memorials.

Learn more about insuring your dog with the AKC here.

Best for cats: Figo

Fig is an excellent choice to insure your Florida cat at an affordable price. For example, we received the following quotes for a three-year-old female mixed-race cat in Orlando:

  • $7.07 per month: This value plan covers 70% of covered vet bills up to $10,000 per year, with a $500 deductible.
  • $12.40 per month: For just over $5, you can increase your coverage to 80% reimbursement of approved veterinary expenses up to $10,000 per year with a lower deductible of $250.
  • $18.72 per month. For less than $20 a month, you’ll get 90% coverage for approved vet medical costs with no coverage limits after you pay 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 quick payback: Lemonade

Lemonade is the best pet insurance in Florida for reimbursing your upfront vet expenses.

The main benefit of pet insurance is to help you minimize and control out-of-pocket veterinary expenses, which can often be expensive. That’s why choosing a pet insurance provider that processes claims and reimburses you quickly is essential.

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

Start with lemonade.

Best for direct vet payments: Best Pets

As the best pet insurance carrier for vet direct payments, The best pets can help you eliminate the hassle of refunds altogether. Instead of waiting for reimbursement, Pets Best can pay your veterinarian directly for any reimbursement amount claimed. This scenario works a lot like healthcare for people. Best Pet pays your vet, so you don’t need 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 Vet Reimbursement Release form with your completed claim. Upon approval of your request, Pets Best will send your appropriate reimbursement to your veterinarian. You may be responsible for paying any amount not covered by your policy.

Learn more about Pets Best today.

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