The Best Pet Insurance in Florida for 2024
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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 options. 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 | Embrace |
Best budget pick for dogs | Liberty Mutual |
Best budget pick for cats | Figo |
Best for comprehensive coverage | ASPCA |
Best overall: Embrace
Embrace
5.0
/5Annual max coverage
Reimbursement rates
Deductibles
Policy highlight
Why it’s the best
Of all NerdWallet’s 5-star pet insurance companies, Embrace had the highest raw score. That’s partly because it offers plenty of ways to customize your policy, with deductible options as low as $100 per year and unlimited annual coverage available. You can buy a wellness plan to get coverage for expenses like checkups, vaccinations, teeth cleaning and prescription food.
Embrace covers treatment for dental illnesses up to $1,000 per year, as well as hereditary and congenital conditions, alternative therapies and behavioral consultations. It will also cover pre-existing conditions that have been symptom- and treatment-free for at least a year.
Learn more with our Embrace pet insurance review.
Best budget pick for dogs: Liberty Mutual
Why it’s the best
Liberty Mutual offered the lowest monthly rate for our sample dog 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.)
Learn more with our Liberty Mutual pet insurance review.
Best budget pick for cats: Figo
Why it’s the best
Of all the companies we evaluated, Figo had the lowest rate for our sample cat in Jacksonville. It’s also one of the few insurers offering up to 100% reimbursement for your vet expenses once you’ve met your deductible.
We like Figo’s unique Pet Cloud app, which isn’t just a place for you to file claims and keep track of your pet’s medical records. You can also use the app to text veterinary experts, find services such as dog grooming and connect with other pet parents in your area.
Learn more with our Figo pet insurance review.
Best for comprehensive coverage: ASPCA
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 list of the best pet insurance in Florida
Still undecided? Check out all the pet insurers in Florida that earned a 5-star NerdWallet rating. Sample rates shown are 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 |
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*Nationwide quotes are for plans with a 70% reimbursement rate and a $10,000 annual coverage limit. | ||
» MORE: The best pet insurance companies
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. Our sample pets were 2-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 dogs
Company | NerdWallet star rating | Sample monthly rate |
|---|---|---|
$18 | ||
$19 | ||
$21 | ||
$21 | ||
$22 |
Cheap pet insurance in Florida for cats
Company | NerdWallet star rating | Sample monthly rate |
|---|---|---|
$9 | ||
$10 | ||
$13 | ||
$13 | ||
$13 | ||
$13 | ||
$13 | ||
$13 | ||
$13 |
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.
» MORE: Is pet insurance worth it?
Learn more about Florida insurance |
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Pet insurance star ratings
NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Pet insurance sample rates
To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons.
Each plan had a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate. Our sample pets were a medium-sized, mixed-breed dog and a domestic shorthair (mixed-breed) cat. Each pet was 2 years old.
These are sample rates gathered for specific pets in a select ZIP code. Your own rates will be different.
