Best Pet Insurance Companies In Jacksonville, FL

Spot Pet Insurance is my top choice for best pet insurance company in Jacksonville, Florida.

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Updated: 22 December 2023
Written by
Doug Schaffer
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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.

Best Pet Insurance Companies In Jacksonville, Florida 2024

Best Overall Coverage - Spot Pet Insurance
Best for Owners of Young Pets - Fetch Pet Insurance
Best for New Pet Owners - ASPCA Pet Health Insurance
Best for Cat Owners - Embrace Pet Insurance
Best Pet Insurance, Jacksonville 2024

Compare The Best Pet Insurance Companies In Jacksonville, Florida

Overall Rating Best For Coverage Waiting Period Average Annual Cost for Cats Average Annual Cost for Dogs Get A Quote
Spot Pet Insurance

Overall Coverage

14 days for accidents and illnesses



Instant Quote
Pets Best

Affordable Coverage

3 days for accidents and 14 days for illnesses



Instant Quote

Owners Of Young Pets

15 days for accidents and illnesses



Instant Quote

New Pet Owners

Immediately for preventive care and 14 days for accidents and illnesses



Instant Quote

Cat Owners

48 hours for accidents and 14 days for illnesses



Instant Quote
Pets Best

Owners of Multiple Pets

3 days for accidents and 14 days for illnesses



Instant Quote
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Our Methodology

To determine Jacksonville’s cheapest pet insurance rates, our team analyzed findings from several pet insurance companies throughout the city. We also utilized our team of insurance experts' combined twenty-five years of experience to evaluate each carrier.

  • 24 Quotes Analyzed
  • 13 Brands Reviews
  • 25 Years of Industry Experience
  • 21+ Hours of Research
  • It’s important to note that even though the rates listed in this guide are accurate, premiums shift daily and can fluctuate based on a pet’s age or breed.


    Quotes Analyzed


    Years Of Industry Experience


    Brands Reviewed


    Research Hours

    Pet Insurance Company Reviews

    Best Overall Coverage

    Overall Rating

    Key Statistics

    8/10 Affordability
    10/10 Customer Reviews
    9/10 Payouts
    10/10 Coverage Level

    Why We Like Them

    Jacksonville is home to many pet health insurance companies, but Spot Pet Insurance has secured the spot as “Best Overall Coverage.” Along with a glowing reputation for having one of the best customer service teams in the industry, they also provide some of the most flexible policy options for customers, including a low-deductible plan.

    Even though Spot Pet Insurance doesn’t have the cheapest rates, their cat and dog insurance plans are still relatively affordable. On average, a pet owner will pay $27.51 for cat insurance and $55.68 for dog insurance.

    Benefits & Drawbacks

    • Coverage available for animals of any age
    • Multiple wellness coverage options available
    • Policyholders have the option of a low-deductible plan
    • 24/7 telehealth vet hotline
    • Customer service isn’t available on the weekends
    • Waiting period is longer than other large competitors

    Best Affordable Coverage In Jacksonville

    Overall Rating

    Key Statistics

    8/10 Affordability
    9/10 Customer Reviews
    7/10 Payouts
    9/10 Coverage Level

    Why We Like Them

    Maintaining health insurance for our pets is a great way to ensure they live long and healthy lives. However, the plans can sometimes be costly, especially if you have a high-risk pet like a boxer or bulldog. Luckily, there are affordable options available through companies like Pets Best.

    In Jacksonville, Pets Best has the most affordable pet rates, with an average monthly premium of $21.09 for cats and $49.81 for dogs. On top of the already low rates, Pet Best also offers policyholders a list of discounts to reduce costs further.

    Benefits & Drawbacks

    • Policy discounts, including multi-pet discounts
    • Multiple tiers of coverage for accident and illness policies
    • Access to a 24/7 vet healthline
    • 3-day waiting period for accidents
    • Direct Pay is available for vets accepting it
    • Coverage isn’t available for other types of pets (only dogs and cats)
    • 6-month waiting period for certain ligament issues

    Cheapest Rates For Owners Of Young Pets In Jacksonville

    Overall Rating

    Key Statistics

    8/10 Affordability
    9/10 Customer Reviews
    9/10 Payouts
    7/10 Coverage Level

    Why We Like Them

    Having young pets can be an exciting experience but also comes with added responsibility. Since most kittens and puppies are extremely playful, the odds of an accident can be slightly higher, making pet health insurance a good idea.

    With Fetch Pet Insurance, young pet owners can plan a virtual vet visit instead of going in person for minor questions or examinations. This flexibility helps save time and money on driving to a clinic for a non-emergency visit.

    Fetch also helps pet owners save money on premiums with discounts and affordable rates. Currently, policyholders pay about $26.53 for cat insurance and $58.33 for dog insurance.

    Benefits & Drawbacks

    • Virtual vet visits are covered up to $1,000
    • Special coverage extends to vacation cancellation fees related to a pet’s accident or illness
    • Pet boarding fees are covered if the owner is hospitalized
    • Dental injuries are covered under most policies
    • Preventive care add-ons aren’t available for policyholders
    • Annual medical exams are required for continued coverage
    • There currently aren’t any options for accident-only coverage

    Cheapest Rates For New Pet Owners In Jacksonville

    Overall Rating

    Key Statistics

    8/10 Affordability
    9/10 Customer Reviews
    8/10 Payouts
    8/10 Coverage Level

    Why We Like Them

    While many Jacksonville pet owners are familiar with the work ASPCA does with rescuing animals subjected to cruelty, the organization also has a well-established reputation for providing pet insurance.

    ASPCA offers many of the same coverages as other top pet insurance companies, but one area that helps them stand out is their focus on hereditary conditions. Many insurance carriers exclude common hereditary or congenital illnesses from the coverage list. However, ASPCA makes it a point to provide coverage to pets affected by these illnesses.

    Policies with ASPCA are a little more expensive, but the organization offers multiple discounts to help reduce prices overall. On average, cat owners pay $28.13 per month, and dog owners pay $60.77 monthly.

    Benefits & Drawbacks

    • Coverage isn’t limited based on age
    • Policies offer additional coverage for select services like microchipping or stem cell therapy
    • Offers coverage to other animals, like horses
    • Cruciate injuries only have a 14-day waiting period
    • Online quoting isn’t available for some policies
    • Some claims can take as long as 30 days to process

    Cheapest Rates For Cat Owners In Jacksonville

    Overall Rating

    Key Statistics

    9/10 Affordability
    10/10 Customer Reviews
    8/10 Payouts
    7/10 Coverage Level

    Why We Like Them

    Even though most large pet health insurance companies offer coverage for cats and dogs, Embrace has emerged as the top choice for cat owners in Jacksonville. The company offers some of the most affordable rates in the area and has a charitable component that many pet owners like.

    For every policy Embrace sells, they donate $2 to charitable causes focused on pets.

    Embrace also works with several large insurance providers like GEICO, USAA, and Allstate to offer affordable pet insurance coverage to customers. Typically, cat owners can expect to pay around $26.41 for cat insurance.

    Benefits & Drawbacks

    • Affordable premium rates for most categories of pets
    • Policy coverage extends to curable pre-existing conditions
    • Pets needing orthopedic care can avoid the waiting period with a vet exam
    • Accident-only policies are the only option for senior pets over the age of 14
    • Prescription foods and supplements aren’t covered under policies

    Cheapest Rates For Owners Of Multiple Pets In Jacksonville

    Overall Rating

    Key Statistics

    8/10 Affordability
    9/10 Customer Reviews
    7/10 Payouts
    9/10 Coverage Level

    Why We Like Them

    Many pet insurance companies will provide discounts if you insure multiple pets. However, Pets Best also provides added benefits over the discounted rates. For example, the pet insurance carrier offers a 24/7 vet helpline that policyholders can contact with questions or concerns about their pet’s health.

    Pets Best also makes it a point to provide coverage for various animals regardless of their condition. This coverage extends to pets who need special prosthetic devices or wheelchairs to move around.

    In Jacksonville, Pets Best is also the most affordable provider, with average cat insurance rates of around $21 and dog insurance rates of $49.81.

    Benefits & Drawbacks

    • Pets requiring wheelchairs or prosthetic devices are covered
    • Multiple tiers of coverage for accident and illness policies
    • Access to a 24/7 vet healthline
    • 3-day waiting period for accidents
    • Direct Pay is available for vets accepting it
    • Slow claims processing compared to major competitors
    • Policyholders can’t make changes to their plan until time of renewal

    Average Cost Of Pet Insurance In Jacksonville, Florida

    Average Cost In Jacksonville, Florida — By Cat Breed

    Cat Breed Average Monthly Cost
    Bengal $31
    Sphynx $39
    Ragdoll $40
    Siamese $35

    Average Cost In Jacksonville, Florida — By Dog Breed

    Dog Breed Average Monthly Cost
    English Springer Spaniel $45
    Akita $50
    Rottweiler $66
    American Bulldog $87

    Average Cost In Jacksonville, Florida — Accidental-Only Coverage

    Insurance Provider Average Monthly Cost for Accident-Only Coverage
    Pets Best $16
    Pet Plan $24
    Embrace $24
    ASPCA $27
    FIGO $35

    Average Cost In Jacksonville, Florida — Comprehensive Coverage

    Insurance Provider Average Monthly Cost for Comprehensive Coverage
    Pets Best $34
    Healthy Paws $47
    Trupanion $55
    Figo $67
    Pet Plan $72


    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

    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

    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


    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.


    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.


    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

    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


    Do all vets take pet insurance in Jacksonville?

    Yes, all vets take pet insurance in Jacksonville. Since pet health insurance works by reimbursing policyholders for the money they spend on their pet at the vet clinic, there isn’t a reason for veterinarians to deny the coverage.

    What is the average cost of pet insurance in Jacksonville?

    While many factors affect the average cost of a pet insurance policy in Jacksonville, most cat owners can expect to pay about $41.18 for coverage. On the other hand, dog owners tend to pay more, with an average monthly cost of $53.07.

    How much should I spend on pet insurance in Jacksonville?

    The amount you spend on pet insurance in Jacksonville will depend on various factors. For example, the type of coverage and deductible you want to pay will affect your monthly premium. It’s important to consider what you want from your pet health insurance policy before purchasing a plan.

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