Best pet insurance companies in Florida

Before welcoming a pet into your home, it's crucial to consider various factors, including the financial responsibilities associated with veterinary care. After all, routine check-ups and immunizations are essential for your pet's health, and unforeseen injuries or illnesses can lead to substantial veterinary expenses. In many cases, these costs can be challenging to manage out of pocket.

Fortunately, pet insurance offers a solution to help offset these expenses. Similar to health insurance for humans, pet insurance policies are designed specifically for animals, typically reimbursing a portion or all of the costs incurred for covered veterinary services. The popularity of pet insurance is on the rise; according to the North American Pet Health Insurance Association (NAPHIA), the U.S. experienced a 17.1% growth in total insured pets over 2023.

It's important to note, though, that pet insurance policies vary in coverage and cost. Therefore, it's advisable to compare different providers to find the best coverage that fits your budget. To help you get started, we've compiled a list of reputable pet insurance companies available in Florida.

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

Best pet insurance companies in Florida

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

• Best for cost: Embrace
• Best for comprehensive coverage: Fetch
• Best for flexibility: Spot
• Best for dogs: AKC
• Best for cats: Figo
• Best for quick reimbursement: Lemonade
• Best for direct vet payments: Trupanion

Best for cost: Embrace

Embrace is our top choice for Florida's most cost-efficient pet insurance provider for its lower 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, breed and other factors.

Also, the company's Healthy Pet Deductible automatically lowers your deductible by $50 for each year you don't don't receive a claim reimbursement. Incidentally, the program will soon change to a Healthy Pet Premium Discount program. At that point, you could earn a 5% monthly premium discount during your first qualified 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's pet insurance coverage may be minimal since the company only offers a single insurance policy for both cats and dogs. In reality, Fetch's standard policy offers more coverage and perks than many of its competitors.

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

Best for flexibility: Spot

Spot enables Florida pet owners to personalize their pet's coverage with two plans plus numerous options to adjust your costs.

Spot offers both accident-only 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 monthly and receive a $450 total annual benefit for routine care.

Spot also provides six annual coverage limits and five deductibles to help dial in your premiums and out-of-pocket expenses to meet your budget.

Get a free quote from Spot here today.

Best for dogs: AKC

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

To begin with, unlike other pet insurance providers, AKC offers coverage for pre-existing conditions. You're eligible for pre-existing conditions coverage once you have 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 fall within your budget, you can at least guard against the high costs you might face if your dog unexpectedly suffers an injury.

Finally, AKC Pet Insurance provides unique add-on policies for an extra cost. For example, breeding coverage extends to emergencies like a C-section or liver failure, while final expense coverage includes costs for burial, cremation and memorials.

Learn more about insuring your dog with AKC here.

Best for cats: Figo

Figo is an excellent choice to ensure your Florida cat at an affordable rate. For example, we received the following quotes for a three-year-old female mixed cat in Orlando (as of April 26, 2024):

• $7.28 per month: This value plan covers 70% of covered vet bills up to $10,000 annually, with a $500 deductible.
• $12.78 per month: For a little over $5 dollars, you can boost your coverage to 80% reimbursement of approved veterinary expenses up to $10,000 per year with a lower $250 deductible.
• $19.28 per month. For less than $20 per month, you'll receive 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 reimbursement: 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 may often be expensive. That's why choosing a pet insurance provider that processes claims and reimburses you quickly is crucial.

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

Get started with Lemonade.

Best for direct vet payments: Trupanion

Trupanion is a standout option for Florida pet owners who want to avoid the hassle of paying upfront for veterinary bills and waiting for reimbursement. Unlike most pet insurance providers, Trupanion offers direct payment to participating veterinarians at the time of treatment through its unique Trupanion Express system. This allows pet owners to focus on their pet's care rather than worrying about out-of-pocket expenses.

Trupanion covers unexpected injuries and illnesses, including diagnostic tests, surgeries, hospital stays and medications. Unlike some competitors, it also covers hereditary and congenital conditions as long as symptoms were not present before enrollment. Plus, Trupanion policies come with no annual or lifetime payout limits, so you'll never have to worry about hitting a coverage cap.