Best Pet Insurance In Florida For 2025
For pet insurance in Florida, Lemonade Pet Insurance takes the top spot.
We’ve saved shoppers an average of $350 per year on their pet insurance.
In Florida, there has been a significant increase in the number of pet insurance policies taken out in the last few years with total volume rising by over 1 million dollars and the number of pets covered under an insurance policy increasing by over 100,000 from 2021 to 2023.
With such growth, Florida is quickly becoming one of the top three states with the largest number of insured pets. If you are a Florida resident looking to get coverage for your pets, it’s important to know how to find the best insurance company in the area and what factors influence your insurance policy cost.
Best Pet Insurance Companies In Florida, 2025
Compare The Best Pet Insurance Companies In Florida
| Overall Rating | Best For | Average Annual Cost for Dogs | Average Annual Cost for Cats | Coverage Waiting Period | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
|
Affordable Coverage |
$35.18 |
$18.41 |
2 days for accidents and 14 days for illnesses |
Instant Quote |
| Lemonade Pet Insurance |
|
Owners Of Young Pets |
$35.18 |
$18.41 |
2 days for accidents and 14 days for illnesses |
Instant Quote |
| Embrace |
|
Cat Owners |
$48.25 |
$20.44 |
48 hours for accidents and 14 days for illnesses |
Instant Quote |
| ASPCA |
|
New Pet Owners |
$83.30 |
$38.67 |
Immediately for preventive care and 14 days for accidents and illnesses |
Instant Quote |
| Pets Best |
|
Owners Of Multiple Pets |
$41.39 |
$29.54 |
3 days for accidents and 14 days for illnesses |
Instant Quote |
| Lemonade Pet Insurance |
|
Overall Coverage |
$35.18 |
$18.41 |
2 days for accidents and 14 days for illnesses |
Instant Quote |
Best Pet Insurance Companies In Florida 2025
Best Overall Coverage
Key Statistics
Why We Like Them
⇅A pet insurance company’s top position in a region depends on factors such as cost, customer service, and claim processing efficiency. In Florida, Lemonade Pet Insurance excelled in these categories, offering affordable monthly rates of $18.41 for cats and $35.18 for dogs. On top of its low rates, Lemonade is well-regarded by Florida pet owners for providing exceptional customer service and demonstrating a sincere dedication to pets.
Benefits & Drawbacks
⇅- A 48-hour waiting period following an accident
- Best-in-class claims handling unit
- Many discounts are available.
- Part of the monthly fees supports charitable organizations. ✓
- Enrollment for certain pet breeds is subject to age restrictions.
- Regulations aren't available in every state.
- Pet insurance costs are influenced by the owner's credit score and previous insurance claims. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Many pet owners strive to protect their pets but often believe that pet insurance is pricey. Lemonade Pet Insurance debunks this misconception with budget-friendly options. On average, cats are covered for $18.41, and dogs for about $35.18. To make it even more affordable, Lemonade offers discounts like bundling, which can reduce costs by up to 15%. Their mobile app also makes managing policies simple and convenient.
Benefits & Drawbacks
⇅- Two-day waiting period following accidents.
- Speedier claims resolution than top competitors.
- There are numerous discounts available for you.
- Some of your premium funds non-profit groups. ✓
- Coverage for certain pet breeds expires once they reach a particular age.
- Your state of residence affects coverage limitations.
- Insurance premiums for pet owners depend on their credit and previous claims. ✘
Best For New Pet Owners
Key Statistics
Why We Like Them
⇅New pet owners should consider a provider with a solid reputation for animal health support, such as ASPCA. While ASPCA’s premiums are higher, at $38.67 for cats and $83.30 for dogs, the added cost comes with valuable perks. Notably, there are no age restrictions for senior pets, and ASPCA also offers coverage for behavioral issues and alternative therapies, ideal for certain dog breeds.
Benefits & Drawbacks
⇅- Included in the coverage are diverse items like alternative treatments, behavioral challenges, and conditions from birth.
- If you have cruciate injuries, you'll need to wait just 14 days.
- There's a vet hotline open around the clock for remote consultations.
- Typical policies include coverage for vet clinic visits due to sickness and accidents. ✓
- An agent is required to access unlimited annual coverage.
- The deductible choices are quite restricted. ✘
Best For Cat Owners
Key Statistics
Why We Like Them
⇅Cat owners in Florida seeking reliable insurance should look into Embrace Pet Insurance. With plans averaging $20.44 per month, they offer affordable options. What sets them apart is their $2 donation to charity for every policy sold. Additionally, Embrace is the trusted partner for major insurance providers like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- There are economical policy selections to consider.
- Most common insurance plans include provisions for treatable existing medical conditions.
- Owners of pets needing orthopedic care can avoid delays by getting a vet's examination. ✓
- Pets 14 years and older qualify solely for accident insurance.
- Basic policies do not offer additional coverage. ✘
Best For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Adopting a young pet can be a thrilling experience for families, but the responsibilities of a new kitten or puppy can quickly become overwhelming. Along with training, it’s important to choose a pet insurance provider that simplifies coverage management. Lemonade Pet Insurance offers a great combination of affordability and ease, thanks to its user-friendly mobile app and outstanding customer service. With average premiums of $18.14 for cats and $35.18 for dogs, Lemonade is a top pick for those with young pets.
Benefits & Drawbacks
⇅- Pet injury coverage kicks in after just a 2-day waiting period for policyholders.
- Processing of claims happens swiftly.
- There are many discounts available to policyholders.
- A fraction of the premium paid by the policyholder goes to nonprofit causes. ✓
- Insurance coverage for certain pet breeds ends once they reach a certain age.
- This policy does not include every state in the U.S.
- The cost of insurance is influenced by the pet owner's credit rating and history of claims. ✘
Best For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅While caring for multiple pets can mean extra spending on food and toys, it can also lower your pet insurance costs. Providers like Pets Best offer discounts for insuring more than one pet. They also have budget-friendly premiums, averaging $29.54 per month for cats and $41.39 for dogs. Pets Best provides additional benefits, including 24/7 vet helpline access and coverage for animals with special needs or prosthetics.
Benefits & Drawbacks
⇅- We cover pets that use wheelchairs or prosthetics.
- If you need veterinary help at any time, just call the 24/7 vet health hotline.
- You only need to wait three days before accident coverage kicks in.
- There are various coverage options available for accident and illness insurance. ✓
- Claims are processed at a slower pace compared to rivals.
- Alterations to policies must coincide with the renewal period. ✘
How To Find The Best Pet Insurance Company For You
Florida is among the top three states in terms of the number of people who have insurance policies for their pets, behind California and New York. The growth seen among pet owners resulted from an increase in:
- Work from home policies
- High pet adoption rates
- Pandemic-related pet ownership growth
So how do you find the best pet insurance company?
Much the same as finding any other insurance provider, you want to compare different options, see what the price points are and what the coverage is, and check that your current veterinarian or an available veterinarian in your area will work with that insurance company.
Largest Pet Insurance Companies In Florida
When choosing pet insurance in Florida, it helps to know which providers are most popular. Here’s a breakdown of the top companies by estimated market share:
| Company Name | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | 0.73% |
| Pumpkin Pet Insurance | 0.48% |
How To Buy Pet Insurance In Florida
The process of obtaining pet insurance is uncomplicated, especially with platforms like Insuranceopedia.
Compare rates from at least three companies and check on prices for discounts
Check what is covered, what the waiting period is before the plan goes into effect
Decide what coverage plan is best. Remember that accident only coverage may be adequate for new puppies or kittens, or if you can cover the cost of unexpected illnesses. However, if you have a purebred pet or one prone to health issues, comprehensive coverage might be better.
Average Pet Insurance Cost In Florida — By Cat Breed
Cat insurance premiums can vary based on breed and associated health risks. Below are the average monthly costs for popular cat breeds in Florida (based on comprehensive coverage):
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $18 |
| Sphynx | $19 |
| Siamese | $22 |
| Maine Coon | $24 |
Average Pet Insurance Rates In Florida — By Dog Breed
Dog insurance tends to be pricier than cat insurance, especially for larger breeds. Here’s what dog owners can expect to pay per month in Florida:
| Dog Breed | Average Monthly Cost |
| Affenpinscher | $20 |
| Labradoodle | $37 |
| Greyhound | $69 |
| Newfoundland | $88 |
Average Cost Of Accident-Only Coverage In Florida
Accident-only plans are typically cheaper than full coverage, offering protection for unexpected injuries. Here’s the average monthly cost by provider:
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $27 |
| Pets Best | $32 |
| TrustedPals | $36 |
| Figo | $47 |
| ASPCA | $56 |
Average Cost Of Comprehensive Pet Insurance In Florida
Comprehensive plans cover both accidents and illnesses. Below are average monthly rates from top insurers:
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $36 |
| Pets Best | $35 |
| Lemonade | $50 |
| Trusted Pals | $45 |
| Healthy Paws | $53 |
Factors That Impact Cost Of Your Pet Insurance Policy In Florida
Several factors in Florida will impact the cost of your pet insurance policy:
Policy Type/Annual Limit
You can choose an accident only policy which applies only to unexpected accidents or you can choose a policy that includes illnesses and general wellness. The more that is included in a policy, the more your premiums will cost. Tangentially, the annual limit, the amount that your insurance company will pay every year, will impact your premiums as well with higher annual limits resulting in higher premiums.
Reimbursement Rate/Deductible
The deductible you choose will impact your cost as will the reimbursement rate. The higher your reimbursement rate, the higher your premiums. The higher your deductible, however, the lower your premiums.
Location
The city where you live in Florida will impact your cost. For example, a German Shepherd might cost an average of $62 in Miami, $58 in Orlando, and $61 in Brevard County whereas a domestic shorthair cat might cost an average of $29 in Miami, $26 in Orlando, and $30 in Brevard County.
Age
Older pets cost more because they have a higher risk of accidents and illnesses so your premiums will go up as your pet gets older.
Breed
The cost of different breeds is a significant factor. Certain breeds like labradors have higher premiums because they have a higher risk of health issues. A Labrador Retriever can cost nearly twice the average monthly premium in Florida for other dogs.
Additionally, discounts can help you bring down your cost.
Pet Insurance Discounts In Florida
The average cost of accident and illness monthly premiums for dogs in Florida is $56 and for cats is $32, both of which are higher than the national average.
As such, it is important to find available pet insurance discounts to bring your policies down where possible:
- Military: Active duty and retired military in Florida can qualify for military discounts from several companies. USAA, for example, gives discounts for military members with additional discounts available for multiple pets or service dogs.
- Costco: Costco members can qualify for exclusive pet insurance discounts from certain providers.
- Blue365: Those who have Blue365 can qualify for discounts up to 10% on monthly policies and another $25 on quarterly or annual premiums.
- AAA: AAA members can get discounts from certain policies.
- Multi-Pet Plans: If you get an insurance policy on multiple pets you can qualify for a multi-pet discount.
- Wellness Plans: In some cases you can opt to add a Wellness Plan that pays for vaccinations, checkups, and routine care, and while this might cost more upfront it can give you discounts on your total premium.
Our Methodology
In our quest for affordable pet insurance in Florida, we thoroughly reviewed information from various providers. Our team, with over two decades of insurance expertise, provided valuable input. Please note, the rates in this guide are current, but premiums can change daily, influenced by factors such as your pet's age and breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do all vets take pet insurance in Florida?
Veterinary clinics across Florida accept pet health insurance, with the understanding that owners first settle their vet bills and are then reimbursed by their pet insurance company.
How much is pet insurance in Florida?
As observed across the country, pet insurance premiums for cats in Florida are generally lower than for dogs. Cat insurance typically costs $27.56 per month, whereas dog insurance averages $48.81 per month.
Do I legally have to insure my pet in Florida?
While pet insurance is recommended for your furry friends, keep in mind that in Florida, you are not legally required to insure your dog or cat.
