The Best Pet Insurance in Florida for 2024

MetLife and ASPCA are two of the best pet insurance companies in Florida.

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Updated · 3 min read
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Written by Sarah Schlichter
Lead Writer
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Assistant Assigning Editor
Fact Checked

If you’re looking to buy pet insurance for your Florida furbaby, you’ve got plenty of options. More than a dozen pet insurance companies operate in the Sunshine State, offering a range of coverage. NerdWallet compared rates and policies to help you find the best pet insurance in Florida in the following categories:

Best pet insurance category

Company winner

Best overall

MetLife

Best budget pick

Liberty Mutual

Best for comprehensive coverage

ASPCA

Our writers and editors follow strict editorial guidelines to ensure the content on our website is accurate and fair, so you can make financial decisions with confidence and choose the products that work best for you.

NerdWallet’s rating system rewards pet insurance companies with broad coverage, a variety of ways to customize your plan, a high financial strength rating and a good customer experience. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale. Here’s the full methodology behind our pet insurance ratings.

Best overall: MetLife

MetLife

MetLife Pet Insurance
Get rates
on MetLife's website
NerdWallet rating 

5.0

/5
Get rates
on MetLife's website

Annual max coverage

Unlimited

Reimbursement rates

50% - 90%

Deductibles

$0 - $2,500

Policy highlight

No age restrictions for enrollment.
Pros and cons

Pros

  • Deductible goes down each year you don't make a claim in some states.
  • Accident coverage starts right away, with no waiting period.
  • Includes coverage for holistic and alternative care.

Cons

  • No option to have the company pay your vet directly.

MetLife sells customizable plans for dogs, cats and even other animals in some states.

Why it’s the best

Of all NerdWallet’s 5-star pet insurance companies, MetLife had the highest raw score. That’s partly because it offers plenty of ways to customize your policy, with a wide range of deductible and annual coverage options. You can buy a wellness plan to get coverage for expenses like vaccinations, teeth cleaning and heartworm preventives.

MetLife covers hereditary and congenital conditions, alternative therapies and periodontal disease. It will also cover burial, cremation and even grief counseling in some states.

Learn more with our MetLife pet insurance review.

Best budget pick: Liberty Mutual

Liberty Mutual

Liberty Mutual Pet Insurance
Get rates
on Money.com
NerdWallet rating 

4.5

/5
Get rates
on Money.com

Annual max coverage

$15,000

Reimbursement rates

70%, 80%, 90%

Deductibles

$250, $500, $1,000

Policy highlight

Discount for existing Liberty Mutual customers.
Pros and cons

Pros

  • Three plans for pet owners to choose from.
  • Discounts for current customers, active military and veterans.
  • Covers behavioral therapy and alternative medicine in most states.

Cons

  • Won’t pay your vet directly.
  • May not cover osteoarthritis.
  • No unlimited coverage option available.

Liberty Mutual offers three plans to choose from to help you customize your coverage.

Why it’s the best

Liberty Mutual offered some of the lowest monthly rates for our sample dogs and cats in Jacksonville. You can choose from three tiers of coverage. The basic level covers only accidental injuries, while the second level adds illness coverage. The most inclusive package also covers wellness exams and other routine expenses.

Liberty Mutual has a 14-day waiting period for all coverage, including orthopedic injuries. (Some companies have extended waiting periods of six months to a year for certain orthopedic conditions.)

Best for comprehensive coverage: ASPCA

ASPCA

ASPCA Pet Insurance
Get rates
on Money.com
NerdWallet rating 

5.0

/5
Get rates
on Money.com

Annual max coverage

Unlimited

Reimbursement rates

70%, 80%, 90%

Deductibles

$100, $250, $500

Policy highlight

Broader coverage than most other plans.
Pros and cons

Pros

  • Covers horses in addition to cats and dogs.
  • Standard plans cover alternative therapies, behavioral issues and congenital conditions.
  • Shorter waiting period than most plans for cruciate injuries (14 days).

Cons

  • You must call, rather than get an online quote, if you’re interested in unlimited annual coverage.

ASPCA offers generous coverage and multiple plan options, including an accident-only policy.

Why it’s the best

ASPCA’s policies include coverage that some companies charge extra for, such as sick exam fees, prescription food and supplements, behavioral issues, and alternative medicine. They even pay for microchip implantation. If you also want reimbursement for procedures like spay/neuter surgery or dental cleaning, you can pay extra for a preventive care plan.

ASPCA has no upper age limit for coverage, so it may be a good bet if your furry friend is a senior. Got more than one pet? ASPCA offers a 10% multipet discount.

Learn more with our ASPCA pet insurance review.


Full lists of the best pet insurance in Florida

Still undecided? Check out all the pet insurers in Florida that earned a 5-star NerdWallet rating.

Best pet insurance in Florida for younger animals

Below are sample rates for 2-year-old mixed-breed dogs and cats living in Jacksonville. Unless otherwise noted, these plans had a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.

Company

NerdWallet star rating

Sample monthly rates

5.0

NerdWallet rating 
  • Dog: $25

  • Cat: $14

5.0

NerdWallet rating 
  • Dog: $33

  • Cat: $18

5.0

NerdWallet rating 
  • Dog: $28

  • Cat: $14

5.0

NerdWallet rating 
  • Dog: $37

  • Cat: $21

5.0

NerdWallet rating 
  • Dog: $21

  • Cat: $13

5.0

NerdWallet rating 
  • Dog: $28

  • Cat: $14

*ASPCA plans had a $4,000 annual coverage limit.

Best pet insurance in Florida for older animals

Older pets tend to have higher pet insurance premiums, so we also checked rates for 8-year-old dogs and cats in Jacksonville. Here are sample rates from our 5-star companies for 8-year-old mixed-breed dogs and cats with the same coverage limits as above.

Company

NerdWallet star rating

Sample monthly rates

5.0

NerdWallet rating 
  • Dog: $56

  • Cat: $25

5.0

NerdWallet rating 
  • Dog: $64

  • Cat: $32

5.0

NerdWallet rating 
  • Dog: $63

  • Cat: $26

5.0

NerdWallet rating 
  • Dog: $66

  • Cat: $33

5.0

NerdWallet rating 
  • Dog: $47

  • Cat: $27

5.0

NerdWallet rating 
  • Dog: $62

  • Cat: $25

*ASPCA plans had a $4,000 annual coverage limit.

Cheap pet insurance in Florida

Here are the cheapest insurers we found in Florida for dogs and cats, based on quotes we gathered in Jacksonville. Unless we've noted otherwise, our sample pets were 2- and 8-year-old mixed-breed dogs and cats with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.

Your own prices may be different depending on where you live, the coverage you choose, and your pet’s age and breed.

Cheap pet insurance in Florida for young dogs

Below are the lowest monthly rates we found for 2-year-old dogs.

Company

NerdWallet star rating

Sample monthly rate

4.0

NerdWallet rating 

$17

4.5

NerdWallet rating 

$18

4.5

NerdWallet rating 

$20

4.0

NerdWallet rating 

$21

5.0

NerdWallet rating 

$21

4.5

NerdWallet rating 

$23

5.0

NerdWallet rating 

$25

4.5

NerdWallet rating 

$26

*ManyPets plans had unlimited annual coverage. ASPCA plans had a $4,000 annual coverage limit.

Cheap pet insurance in Florida for older dogs

Below are the lowest monthly rates we found for 8-year-old dogs in Jacksonville.

Company

NerdWallet star rating

Sample monthly rate

4.5

NerdWallet rating 

$29

4.0

NerdWallet rating 

$41

5.0

NerdWallet rating 

$47

3.5

NerdWallet rating 

$48

4.0

NerdWallet rating 

$48

4.5

NerdWallet rating 

$54

5.0

NerdWallet rating 

$56

*ManyPets plans had unlimited annual coverage. Kanguro plans had a $200 deductible. ASPCA plans had a $4,000 annual coverage limit.

Cheap pet insurance in Florida for young cats

These are the cheapest monthly rates we found for 2-year-old domestic shorthair (mixed-breed) cats living in Jacksonville.

Company

NerdWallet star rating

Sample monthly rate

4.5

NerdWallet rating 

$8

4.5

NerdWallet rating 

$9

4.5

NerdWallet rating 

$10

4.0

NerdWallet rating 

$11

4.5

NerdWallet rating 

$13

3.5

NerdWallet rating 

$13

4.0

NerdWallet rating 

$13

5.0

NerdWallet rating 

$13

5.0

NerdWallet rating 

$14

5.0

NerdWallet rating 

$14

5.0

NerdWallet rating 

$14

*ManyPets plans had unlimited annual coverage. Kanguro plans had a $200 deductible. ASPCA plans had a $4,000 annual coverage limit.

Cheap pet insurance in Florida for older cats

Below are the lowest monthly rates we found for 8-year-old domestic shorthair (mixed-breed) cats living in Jacksonville.

Company

NerdWallet star rating

Sample monthly rate

4.5

NerdWallet rating 

$17

4.5

NerdWallet rating 

$19

3.5

NerdWallet rating 

$21

4.5

NerdWallet rating 

$22

4.0

NerdWallet rating 

$22

4.0

NerdWallet rating 

$24

5.0

NerdWallet rating 

$25

5.0

NerdWallet rating 

$25

5.0

NerdWallet rating 

$26

5.0

NerdWallet rating 

$27

*Kanguro plans had a $200 deductible. ManyPets plans had unlimited annual coverage. ASPCA plans had a $4,000 annual coverage limit.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to pet insurance; a company's rating for other products may be different on our site. See our criteria for evaluating pet insurance companies.