3 Best Pet Insurance In Florida in 2023

Best Pet Insurance In Florida

As new insurance companies pop up every day in the sunshine state, it’s important you find the best pet insurance in Florida that suits your pet’s needs.

In this article, we have put together the best pet insurance companies in Florida in order for you to make a good choice.

Also, you will learn about the best way to choose pet insurance companies in Florida as well as how it works.

Also, you will learn about some vital information you need as a pet owner in Florida.

That said, Keep reading as we get into details about pet insurance in Florida.

You may also like to read about the 4 Best Pet Insurance In Colorado.

Best Pet Insurance In Florida

How Does Pet Insurance in Florida Work?

Usually, there are several elements that make up each plan when you select pet insurance in Florida because that will determine the cost you pay for coverage.

1. Premiums:

There are factors that can affect your monthly cost of coverage and these factors include:

  • Your pet’s gender, breed, age
  • Your zip code
  • Coverage amount
  • The pet insurance company you choose.

For instance, someone who has a cat will likely pay less for coverage than someone who owns a dog.

2. Deductible:

A deductible is the amount of the vet bills that you are to pay before your pet insurance coverage starts.

For instance, an insurance company might give you options to choose from $250, $500, and $800 deductible.

It’s important to note that choosing a smaller deductible will increase the monthly cost of your policy.

So, the best advice: don’t choose a deductible that is too high or too low, stay on the average level.

3. Reimbursement Level:

This reimbursement level is basically the amount your insurance company will reimburse you as well as the portion of the vet bill you must pay.

If for instance, you choose a 70% reimbursement level, you will be responsible for 30% of the vet cost.

Now, it’s important to note that choosing a lower reimbursement level will reduce your monthly cost but you will have to pay more vet bills.

4. Annual Coverage Cap:

Some pet insurance companies have a certain annual coverage limit they can attain to a policy.

What this means is that they can only pay claims up to a certain amount in a year.

So, if you choose a $5000 coverage limit and you exceed this amount in a year, for the rest of the year you will pay the vet bills out of your pocket.

Although, there are some pet plans that offer unlimited coverage options.

Keep reading as we learn about the 3 best pet insurance in Florida.

Also, read about the 5 Best Pet Insurance In New Jersey.

3 Best Pet Insurance In Florida Reviews 

1. EMBRACE Pet Insurance:


Embrace explains that they do not cover pre-existing conditions but this can not stop you from obtaining pet insurance coverage.

Basically what determines whether your pup’s pre-existing condition can be covered depends on if it’s curable.

They also explain how pre-existing conditions work with their policy and how the pre-existing condition will determine the type of coverage option to consider.

When it comes to pre-existing conditions, Embrace is one of the insurance companies that differentiate between curable and incurable pre-existing conditions.

Now, in order for Embrace to cover a pre-existing condition, it has to be curable and your pet must have stayed up to 1 year without treatment and symptoms.

Also read about the 5 Best Pet Insurance In New Jersey.

How Much Does Embrace Pet Insurance Cost In Florida?

The cost of dog insurance varies from $30 to $40 per month, while cat insurance costs between $15 and $20 a month. Rates will differ based on the pet’s age, location, gender, and breed.


  • Offers employers and military benefits 
  • Has a 24/7 pet telehealth line.
  • 2 days waiting period for an accident
  • Covers the veterinarian office visit fee for illness and accidents.
  • Provides an excellent range of options for annual coverage, reimbursement, and deductibles.


  • No unlimited benefits 
  • Strict pre-existing condition rules

Get a Quote: Visit Embrace Pet Insurance’s website to get an instant quote on your pet’s policy.

2. ASPCA Pet Insurance:


ASPCA pet health insurance is one of the best due to its partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA).

They are highly recommended, it backs up its products and also offers a 30days money-back guarantee.

In addition, ASPCA does not demand prior exams before enrolling, just like some other pet health insurance companies.

Also, other pet insurance companies do not cover pre-existing conditions; however, ASPCA handles pre-existing conditions that are curable.

This means that if your animal has a curable condition and is free from the treatment and symptoms for at least 180 days it can be covered.

See also, the How Does Multi-Pet Insurance Work? – A Complete Guide.

How Much Does ASPCA Pet Insurance Cost in Florida?

ASPCA pet insurance costs $49 per month for dogs and $29 for cats however, keep in mind that these costs vary based on the plan you choose, location, your pup’s age as well as the breed.


  • Covers horses in addition to dogs and cats.
  • Pre-existing conditions are covered after 180 days.
  • No upper age limit 
  • Covered stem cell therapy and microchipping.
  • Includes coverage for Exam fees
  • Offers a multi-pet discount of 10%
  • Has a 24/7 telehealth line


  • Doesn’t offer unlimited annual coverage 
  • Has a 15-day waiting period for accidents

Get a Quote: visit the ASPCA Pet Insurance Company Website to get an instant quote on your pet’s policy.

3. Pawp Pet Insurance:


Pawp is a pet insurance company that is best with emergencies and can cover up to 6 pets in a household, regardless of your pup’s age, breed, or medical history.

In addition, unlike other policies, they do not have reimbursement levels, deductibles, or copays.

The best part is that your pup can see the vet of your choice and the bill will be fully paid for before you leave the clinic.

With this, you don’t have to go through the stressful claim process of some insurance policies.

That said, they are great for older pets and those with pre-existing conditions; however, wellness, routines, or preventive care has to be paid for from your pocket.

It’s important to note that Pawp emergency funds can only be used for true emergencies. 

Don’t fail to read about Letter for Emotional Support Animals (How to get one very fast).

How Much Does Pawp Pet Insurance Cost in Florida?

Pawp has a straightforward fixed price which is $24 per month for both cats and dogs 


  • Covers up to 6 pets in a household
  • Does direct payment to your vet before you leave the clinic instead of reimbursing you
  • There are no deductibles 
  • Has a 24/7 telehealth line
  • Can cover pre-existing conditions as long as they’re considered life-threatening emergencies.


  • Doesn’t offer coverage options for preventative care
  • Has a 14days waiting period.
  • Offers only one emergency vet bill of up to $3,000 during each year of membership

Get a Quote: Visit the Pawp Pet Insurance company Website to get an instant quote and more information.

Now that you know the best pet insurance in Florida, continue reading to learn how to choose the best insurance for you and your furry friend.

How Do I Choose The Best Pet Insurance In Florida?

It’s important you understand the basis of a per-insurance policy before enrolling. Because the details of a vet plan vary and it’s important you’re familiar with them.

In order for you to identify the ones that are more important to you when comparing your options.

Here are some things you need to take note of.

1. Vet Exam Fees:

Each time you visit your veterinarian, there’s always a fee you must pay to your vet to examine your pup.

Unfortunately, there are some pet insurance plans that do not cover vet exam fees.

This means you’re the one to cover for this bill on your own and sometimes this might cost $100 or more.

2. Waiting Periods:

When you enroll for a pet insurance policy, there is a certain amount of time you have to wait before it will start to reimburse you for vet bills.

Although, every insurance company’s waiting periods vary across the industry. 

For instance, companies like Embrace have a 2-day waiting period for accidents while ASPCA has a 15 days accident waiting period.

3. 24/7 vet helplines:

If for instance your cat or dog mistakenly ate a poisonous plant on a Sunday afternoon, your vet might not be able to help you through the process.

This is where your vet helpline comes in and not all pet insurance companies offer a 24/7 vet helpline to answer questions.

Embrace and Spot pet insurance companies offer a 24/7 vet helpline.

So, selecting an insurance company that offers such will put your mind at ease.

4  Your Access To Care:

When it comes to reimbursement, most top pet insurance plans will offer coverage for any licensed veterinarian or care provider.

Sometimes, some carriers require you to see a vet in a particular network that might not be close to your state.

Especially when it has to deal with alternative care providers such as behavioral therapists, chiropractors, or acupuncturists.

Ultimately, be sure the policy you’re enrolling into covers all of the care you provide your pup.

5. Multipet Discount 

There are some insurance companies that offer multi-pet discounts. For instance, Spot gives customers who insure multiple pets a 10% discount.

In addition, insurance companies also offer extra discounts like military or a claim-free discount.

6. Plans Offering Routine Wellness Coverage

You need an insurance provider that offers a wellness and regular care plan if you’re seeking a pet insurance plan that covers preventive treatment.

For the fact that routine care can be quite expensive in a year, as a result adding wellness coverage to your policy can help you reduce costs.

Keep reading to get more information about pet owners in Florida as well as Florida’s pet laws.

Other Informations For Pet Owners In Florida 

Florida has so many outdoor fun places you can take your pet to but you have to be aware of the pet laws before taking your pup out.

In order to keep your experiences with your pet safe, let’s go over some daytime activities you can do with them in Florida as well as some important laws you should abide by while you’re out.

Check out Emotional Support Animals (Everything You Need to Know)

Florida Pet Law

There are some strict leash laws in Florida that require you to always keep your dog on a leash at all times while you’re out.

For instance, if your pup bites someone you will be held to strict liability even if you weren’t aware that your dog was about to bite someone.

Dogs can sometimes bite out of fear and anxiety no matter how sweet they look. For this reason, leashes are the best way to control your dog in public places.

Another important rule is never to leave your dog in the car unattended as a result, this falls under Florida’s animal cruelty laws thereby giving you a bad record.

When owners leave their dogs alone in the vehicle this can lead to the death of the dog due to heat exhaustion and strokes.

Also, citizens who try to call 911 or break into a car window to save a dog are protected under civil liability laws.

Florida Pet Resources 

If the cost of taking care of your pet is too expensive for you, there are organizations that can help you.

These are lists of resources available to you around the state.

1. Pet Alliance – Orlando: This pet alliance works to diligently provide supplemental food for dogs and cats in need.

It’s available starting from the month of May to December every first and third Saturday of the month, there are no appointments needed.

Check their website for more information 

2. Happy Trails Animal Rescue: Happy Trails is a pet pantry that helps in providing food to pet owners who are going through economic challenges.

They offer both dry and wet food for dogs and cats as well as toys, treats, cat litter, and flea prevention.

In order for you to qualify you must reside in Orange, Osceola, or Seminole counties in Florida.

Visit their website to get more information 

3. Humane Society – Tampa Bay: The Humane Society also helps provide food for those in need.

Not only that, but they also offer free vaccinations as well as spay/neuter services.

Also, for older citizens who are not able to go over to the location, deliver monthly supplies to them.

Visit their websites for more information 

4. Spay Florida: Spay Florida specializes in connecting you to low-cost paying clinics for spaying and neutering in your communities.

Be rest assured that these clinics will provide you with high-quality spay/neuter services at a low cost.

Make sure to visit their website for options near you.


Wherever you live in the sunshine state, having a Florida pet insurance policy can help prevent you from paying expensive vet bills.

Be sure to take your time in going through the offering of the pet insurance companies before you apply for coverage.

Also, it’s important to know the necessary information a pet owner needs and other resources in Florida.

We hope this article helps you with ways to choose the best pet insurance in Florida for you and your pup.

Frequently Asked Questions 

What Is The Average Cost Of Pet Insurance In Florida?

Based on the quotes we received while sourcing information from some of the popular providers, we found this;

Pet insurance in Florida usually costs from $35–$85 for dog insurance and $20–$60 for cat insurance.

However, this is not a fixed price because prices vary by species, breed, your pup’s age, and zip code.

What Does Pet Insurance in Florida Totally Cover?

The coverage you get from pet Insurance depends on the type of plan selected.

For instance, when you enroll for the Accident-only plan, this takes care of only emergency issues such as broken bones, swallowed objects, and sprains.

While for accidents and illness plans it extends the coverage to include things like cancer, dental issues, hip dysplasia, and similar issues.

Does The Cost of Pet Insurance in Florida Increase As My Pet Ages?

There are some pet insurance companies that increase your premiums as your pup ages.

However, if you do not want that you’ll have to go for those policies which offer no upper age limit such as Spot and ASPCA.

Do Pet Insurance companies in Florida Cover Spaying and neutering?

Most pet insurance companies in Florida do not cover spaying and neutering. Nevertheless, Embrace offers a wellness package that you can add to your policy that covers it.

Which Pet Insurance Companies in Florida Cover For Pre-existing conditions?

Yes! Companies like Pawp rank the best when it comes to insurance cover for pre-existing conditions, especially in emergencies.

On the other hand, Embrace covers pre-existing conditions but only the ones that are curable.

However, it’s important you speak with these companies above for clarification before enrolling.

Again, keep in mind that most pet insurance policies do not cover pre-existing conditions. But you will still be eligible for pet insurance even if your pup has a history or prior conditions.

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