Best Pet Insurance Companies In Jacksonville, FL

Our team of pet insurance experts spent more than 21 hours reviewing and analyzing 24 quotes from 13 brands. After much consideration, Spot Pet Insurance was the unanimous decision for Jacksonville’s best pet insurance provider. However, several other companies, including Pets Best, Fetch, ASPCA, and Embrace, scored highly in specialized categories.

Both Pets Best and Embrace Pet Insurance had average monthly premium rates for dog insurance below the city average of $53.07

The following guide will examine how pet insurance companies throughout Jacksonville adjust rates based on factors such as a pet’s breed or age.

Average Cost Of Pet Insurance In Jacksonville, Florida

Average Cost In Jacksonville, Florida — By Cat Breed

Average Cost In Jacksonville, Florida — By Dog Breed

Average Cost In Jacksonville, Florida — Accidental-Only Coverage

Average Cost In Jacksonville, Florida — Comprehensive Coverage

How To Find The Best Pet Insurance Company For You

The pet insurance process can seem intimidating, especially if this is your first time purchasing coverage for a furry friend. However, there are several elements you can do ahead of time that will make buying pet health insurance an enjoyable experience.

For instance, you should know what you want in a policy before shopping around for quotes. Do you only want coverage for accidents, or would you rather be covered for illnesses too? If you want the extra layer of protection, then a comprehensive plan is better than an accident-only policy.

Another important factor to keep in mind is the waiting period. Similar to how each insurance carrier has a list of illnesses, injuries, and diseases they cover, they also have a specific waiting period you’ll need to follow. If you want a plan that takes effect quickly, consider pet insurance companies like FIGO, which have a 1-day waiting period.

Once you know what you want in your pet’s policy, you can start comparing quotes and prices.

Largest Pet Insurance Companies In The United States

How To Buy Pet Insurance Online In Florida

One of the easiest ways to purchase pet insurance online in Florida is through a platform like Insuranceopedia. You can access numerous quotes within a matter of minutes by submitting a little information.

Having the appropriate information handy is important to ensure the process goes smoothly. Below are a couple of steps you should follow when reviewing and purchasing a pet insurance policy:

• Step 1: Gather all important information ahead of time (EX: pet type, breed, age, medical history, and any documentation you have on the pet’s lineage)
• Step 2: Identify the amount of coverage and deductible you want for your pet
• Step 3: Compare at least three pet insurance quotes from different carriers
• Step 4: Purchase your policy and reach out to your vet to let them know about your new coverage

Factors That Impact The Cost Of Your Pet Insurance Policy In Jacksonville

There isn’t one set pricing model that can predict how much you’ll pay monthly for pet insurance. Instead, pet health insurance companies utilize several factors to determine your pet’s premium rate. The actual weight of each factor will vary from company to company, but the elements tend to stay the same.

Most pet insurance organizations look at the following categories when writing a policy:

• Age
• Animal Type
• Breed
• Insurance Type
• Location

Age

When assessing an application, age is often one of the first places underwriters will look. Generally, the younger a pet is, the less likely they are to experience illnesses and, as such are cheaper to insure. On the other hand, older pets are susceptible to injuries and illnesses, making their premium more costly.

Animal Type

Even though cats and dogs are incredible pets, pet insurance companies don’t view them the same way. Generally, cat owners will pay less for coverage than dog owners because there is a greater risk of injury for dogs. The increase in risk is normally associated with being outside more and engaging in more physical activities.

Breed

Whether it’s a dog or a cat, your pet’s breed will ultimately play a significant role in what you pay for coverage. Many breeds on both sides are notorious for having health issues, like boxers and Persian cats. If you have a high-risk breed, you may pay more for their insurance policy.

Insurance Type

While not directly correlated to the pet insurance company itself, the type of insurance you purchase will also affect your premium. For example, accident-only coverage policies will be more affordable than those with accident and illness coverage.

Location

For most insurance providers, location is one of the last factors they consider. While the disparity in cost between different regions of a city can vary by a few dollars, it’s usually not a substantial amount. Location may become a significant factor if a zip code has a high number of pet insurance claims compared to other areas.

Florida Pet Insurance Laws To Know

Even though there aren’t any official Florida laws requiring pet insurance, the Sunshine State has requirements that help deter breeders from running puppy mills.

For example, Section 828.29 of the Florida Statute enforces standardized health requirements for dogs and cats sold within the state. The pet law also requires an official health certificate from a certified veterinarian to accompany any puppy or kitten sold by a pet dealer.

These official health certificates provide additional information for new pet owners on all vaccines and deworming medications the animal has received until the transfer of ownership occurs.

In The News

• The Florida senate has introduced the Animal Welfare bill which will prevent owners from declawing their cats if passed.
• A new Florida Senate Bill (SB 942) looks to stop dog breed restrictions for public and government housing.

Information About Jacksonville

Jacksonville is the largest city by population and landmass in Florida. While many people love the area for its beautiful waterfront views, the region also features a diverse art scene.

Thousands of people travel to Jacksonville yearly to enjoy the Jacksonville Jazz Festival and watch The Players Championship golf tournament. Even though it’s located in a state known for tourism, Jacksonville’s main economic drivers include industries such as healthcare, finance, and logistics.

Pet Insurance Discounts In Jacksonville

Pet health insurance can be a great option for owners seeking to minimize future medical costs for their cats or dogs. However, the month-to-month expenses can add up over time until the coverage is needed. One way to reduce a policy’s premium is through carrier-provided discounts.

Here are just a few ways you can save on your pet insurance plan:

• 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