Best Pet Insurance Companies In Florida For May, 2024
Lemonade Pet Protection stands as my top pick for the best pet insurance company in Florida.
Our team of pet insurance experts rigorously evaluated 40 quotes across 18 pet insurance providers, aiming to pinpoint the best coverage for various situations. Lemonade Pet Insurance rises to the occasion, offering the most comprehensive pet insurance coverage in Florida. Remarkably, they also clinched the top spot for affordability, especially for pet parents with young pets.
Nevertheless, three other insurers, namely ASPCA, Embrace, and Pets Best Pet Insurance, deserve recognition for their specialized strengths.
In the upcoming sections, we’ll delve into Florida’s finest pet insurance options and explore how different factors can affect your overall premiums.
Best Pet Insurance Companies In Florida, 2024
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 |
Our Methodology
To pinpoint the most affordable pet insurance rates in Florida, our experts scrutinized data from various pet insurance providers across the state. We also tapped into our team of seasoned insurance professionals, boasting a collective quarter-century of industry insight, to assess each provider's offerings.
Here are some key statistics from our analysis:
It's essential to keep in mind that while the rates presented in this guide are current, premiums can fluctuate daily and may vary based on factors such as your pet's age or breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Reviews Of The Best Pet Insurance Companies In Florida
Best Overall Coverage
Key Statistics
Why We Like Them
⇅Several factors contribute to a pet insurance company’s excellence in a region, including affordability, customer service, and claim processing speed. In Florida, Lemonade Pet Insurance emerged as the leading performer in most of these areas. They offer budget-friendly monthly coverage at $18.41 for cats and $35.18 for dogs.
In addition to their competitive rates, Lemonade received high praise from Florida pet owners for their exceptional customer service. The team’s genuine care for animals shines through in the top-notch service they offer to policyholders.
Benefits & Drawbacks
⇅- 2-day waiting period for accidents
- Top-tier claims processing department in the industry
- A wide range of available discounts
- A portion of monthly premiums contributes to nonprofit causes ✓
- Age restrictions apply to enrollment for certain pet breeds
- Policies are not accessible in all states
- Insurance rates are influenced by the credit and claim history of the pet owner ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Numerous pet owners want to protect their beloved pets, often fearing that insurance can be expensive. However, Lemonade Pet Insurance shows that this is not the case, demonstrating that pet coverage can be affordable. On average, cat owners typically pay just $18.41, while dog owners pay approximately $35.18 for coverage.
To further help with affordability, Lemonade Pet Insurance provides an array of discounts, including bundling options that can reduce costs by up to 15%. Moreover, they offer a user-friendly mobile app, simplifying the management of existing policies.
Benefits & Drawbacks
⇅- 2-day waiting period for accidents
- Faster claims processing compared to other major competitors
- A wide range of available discounts
- The company allocates a portion of the policyholder's premium to nonprofit organizations ✓
- Coverage limitations apply to certain pet breeds after a specific age
- Availability of coverage is contingent upon the state of residence
- Insurance rates are influenced by the credit and claim history of the pet owner ✘
Best For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Most pet owners adopt young pets, which can grow alongside their new families. While the prospect of raising a kitten or puppy is exhilarating, the additional responsibilities can feel daunting at first. In addition to proper training, finding a pet insurance provider that offers convenient access to coverage is crucial.
Lemonade Pet Insurance strikes the ideal balance between affordability and user-friendly features. With an industry-leading mobile app and a top-tier customer service team, they stand out in the industry. Their average rates of $18.14 for cats and $35.18 for dogs make them an excellent choice
Benefits & Drawbacks
⇅- Policyholders enjoy a brief 2-day waiting period for pet injuries
- Rapid processing of claims with fast turnaround times
- A multitude of available discounts
- The company allocates a portion of the policyholder's premium to nonprofit organizations ✓
- Certain pet breeds become ineligible for coverage after reaching a specific age
- Coverage is not available in all 50 states
- Insurance rates are determined in part by the credit and claim history of the pet owner ✘
Best For New Pet Owners
Key Statistics
Why We Like Them
⇅For those embarking on the journey of pet ownership, selecting a pet insurance provider with a strong track record of supporting animal health, such as ASPCA, holds great significance.
ASPCA does come with slightly higher average premiums, with cat insurance at $38.67 and dog insurance at $83.30. However, the advantages of choosing ASPCA outweigh these costs. Notably, ASPCA imposes no age limit, ensuring that even senior pets can access coverage, regardless of their age.
Moreover, ASPCA extends additional coverage for behavioral issues and alternative therapies, which can be particularly beneficial for certain dog breeds.
Benefits & Drawbacks
⇅- The coverage includes a wide range of items such as alternative therapies, behavioral issues, and congenital conditions.
- For cruciate injuries, there is just a 14-day waiting period.
- Access to a 24/7 telehealth vet line.
- Standard policies cover vet clinic visit fees for illnesses and accidents. ✓
- Unlimited annual coverage can only be obtained through an agent.
- Limited choices for deductibles are available. ✘
Best For Cat Owners
Key Statistics
Why We Like Them
⇅If you’re a cat owner in Florida seeking top-notch insurance for your furry friend, Embrace Pet Insurance should be on your list. They provide affordable cat insurance policies, averaging just $20.44 per month.
Lots of pet insurance brands support charities, however, Embrace goes the extra mile in supporting local charities, pledging a $2 donation for each policy sold.
Furthermore, Embrace Pet Insurance has earned the trust of several major car and home insurance providers like USAA, Allstate, and GEICO, making them a preferred partner in the industry.
Benefits & Drawbacks
⇅- Budget-friendly policy choices are available.
- Most standard policies provide coverage for treatable pre-existing conditions.
- Owners with pets in need of orthopedic care can bypass the waiting period by undergoing a vet examination. ✓
- Senior pets aged 14 and older are only eligible for accident-only policies.
- Supplemental coverage is not included in standard policies. ✘
Best For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅Managing multiple pets can lead to increased costs for essentials like food and toys, but it can also bring financial benefits when it comes to pet insurance. Numerous pet insurance providers, such as Pets Best, offer discounts for policies that cover multiple animals.
In addition to these discounts, Pets Best offers budget-friendly monthly premiums. Their average cat insurance rates are $29.54, and dog insurance rates are $41.39.
Pets Best goes the extra mile for policyholders by providing several valuable benefits, including access to a 24/7 vet helpline for emergencies. Moreover, they extend coverage to animals with disabilities or those in need of special prosthetic devices.
Benefits & Drawbacks
⇅- Coverage encompasses pets requiring wheelchairs or prosthetic devices.
- Access to veterinary assistance through the 24/7 vet healthline.
- Accident coverage includes a brief 3-day waiting period.
- Flexibility in coverage options for accident and illness policies. ✓
- Claims processing is generally less prompt compared to other competitors.
- Policy modifications are only feasible during the renewal period. ✘
Average Cost Of Pet Insurance In Florida
Average Cost In Florida — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $18 |
| Sphynx | $19 |
| Siamese | $22 |
| Maine Coon | $24 |
Average Cost In Florida — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Affenpinscher | $20 |
| Labradoodle | $37 |
| Greyhound | $69 |
| Newfoundland | $88 |
Average Cost In Florida — Accidental-Only Coverage
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $27 |
| Pets Best | $32 |
| TrustedPals | $36 |
| Figo | $47 |
| ASPCA | $56 |
Average Cost In Florida — Comprehensive Coverage
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $36 |
| Pets Best | $35 |
| Lemonade | $50 |
| Trusted Pals | $45 |
| Healthy Paws | $53 |
How To Find The Best Pet Insurance Company For You
Obtaining pet insurance is similar to securing your own health or life insurance. It’s crucial to compare rates, but before you dive into that, it’s vital to understand the key aspects of a pet insurance policy to look for.
For instance, most companies offer either accident-only coverage or a broader accident and forgiveness plan. Both types have their advantages, catering to different needs.
Accident-only coverage often suits younger pets less prone to age-related ailments. Conversely, comprehensive plans benefit breeds with a higher risk factor.
Another crucial consideration is the waiting period. Each pet insurance company sets its own waiting period for accidents and illnesses, so you must choose one that aligns with your pet’s health needs.
Largest Pet Insurance Companies In The United States
| 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 | .73% |
| Pumpkin Pet Insurance | .48% |
How To Buy Pet Insurance Online In Florida
Acquiring pet insurance is a straightforward procedure, especially when utilizing a platform like Insuranceopedia. Nonetheless, there are several steps you can take beforehand and during the application process to expedite things.
Here are four essential steps to follow when purchasing pet insurance:
- Step 1: Collect all vital information in advance (e.g., pet type, breed, age, medical history, and any documents pertaining to your pet’s lineage).
- Step 2: Determine the desired coverage amount and deductible for your pet.
- Step 3: Compare quotes from at least three different pet insurance providers.
- Step 4: Procure your policy and notify your veterinarian about your new coverage.
Factors That Impact Cost Of Your Pet Insurance Policy In Florida
Many pet owners may assume that the monthly premium for their pet’s insurance is determined by just one or two factors. However, several elements come into play when establishing the rate for pet insurance. These factors include:
- Type of Animal
- Breed
- Age
- Type of Insurance
- Location
Type Of Animal:
When you’re ready to purchase your pet insurance policy, the type of pet you have significantly influences your monthly payments. On average, dog owners tend to pay 2-3 times more for coverage compared to cat owners due to dogs’ increased outdoor exposure.
Breed:
Much like the type of animal, the breed of your pet is another factor affecting the cost of pet health insurance. While many dog breeds have similar premiums, some are considered high-risk. For example, boxers and bulldogs have a history of sinus and skin issues, which can raise monthly premiums due to an increased likelihood of developing problems.
Age:
Your pet’s age also plays a major role in the quotes you receive from pet insurance providers. Some carriers maintain affordable pricing regardless of age, while others may deny coverage if the pet is too old. If you have a senior pet, it’s crucial to shop around for pricing options.
Type Of Insurance:
When purchasing your pet insurance policy, you’ll typically have two main options: accident-only coverage or accident and illness coverage. Both plans offer protection for your pet, but the comprehensive policy generally costs more. It’s important to consider whether the added coverage is worth the additional monthly cost.
Location:
Regional pricing is another factor many pet insurance companies consider when you apply for coverage. While there isn’t usually a significant difference in premiums from city to city, some state regions may be deemed higher risk due to a higher number of claims from the area.
Pet Insurance Discounts In Florida
Much like health insurance for humans, pet insurance in Florida can vary in cost. To help reduce the overall expense of your pet’s insurance, you can take advantage of discounts. While not all pet insurance providers offer the same discounts, it’s worth exploring the following options:
- Employer-sponsored discounts
- Multi-pet discount
- Employee union discounts
- Wholesale and special interest clubs discounts
- Multi-policy discount
- Active and retired military discounts
- Senior discounts
- Online policy discounts
- Animal care employee discounts
- Special service animal discounts
Florida Pet Insurance Laws To Know
While pet insurance isn’t mandatory for pet owners in Florida, various laws and bills exist to safeguard animals and their owners. Notably, a recent House Bill was introduced and signed into law, impacting how dog breeds are considered in homeowners’ and renters’ insurance decisions.
In the past, insurance companies could deny coverage, terminate policies, or impose higher monthly premiums based on a pet’s breed. However, the passage of House Bill 2323 has made it illegal for insurance companies to discriminate based on a dog’s breed or appearance. This change provides added protection for pet owners in Florida.
In The News
- Effective June 30, 2023, insurance companies are no longer permitted to solely consider a dog’s breed in their underwriting decisions.
- Governor Katie Hobbs has signed Senate Bill 1053 into law, enabling veterinarians to establish a veterinary-client relationship through telemedicine.
Information About Florida
Florida is a state renowned for its captivating blend of natural beauty and vibrant culture. With its extensive coastline and diverse ecosystems, it’s a haven for nature enthusiasts and travelers alike.
Florida boasts stunning landscapes, from its famous white-sand beaches to lush wetlands and the mysterious Everglades. Visitors can explore vibrant cities like Miami, experience the magic of Disney World, or take a leisurely stroll through historic neighborhoods like St. Augustine.
FAQs
Do all vets take pet insurance in Florida?
Every veterinary clinic in Florida is set up to accommodate pet health insurance. This is because pet owners typically pay the medical expenses upfront and then seek reimbursement from their pet insurance company.
How much is pet insurance in Florida?
As is the case in many states across the country, cat owners in Florida generally pay lower premiums for insurance compared to dog owners. On average, cat insurance policies in Florida come with a monthly premium of $27.56, whereas dog insurance tends to cost around $48.81 per month.
Do I legally have to insure my pet in Florida?
While it’s advisable to have pet insurance for your dog or cat, it’s important to note that it’s not a legal requirement in Florida.
