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10 Best Pet Insurance Providers in Florida – 2024 Reviews

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By Nicole Cosgrove

pet insurance claim concept

Having pet insurance can be cost-effective if your pet needs medical treatment, especially for sudden illness or accidents. When our fur babies get sick, it’s worrisome and can knock a significant dent in your wallet, with costs sometimes exceeding into the thousands. Pet insurance works much like human health insurance with a few moving pieces that fluctuate costs.

In this guide, we’ll review our top picks for pet insurance companies available in Florida. We’ll review how they operate, along with other valuable information, so that you have an idea of how it works and how much you can potentially save.

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A Quick Look at Our Winners in 2024

Rating Image Product Details
Best Overall
Winner
Spot Spot
  • Customizable coverage
  • 2 preventative add-on coverage options
  • End-of-life coverage
  • Second place
    Pets Best Pets Best
  • Affordable and customizable plans
  • 5% discount for multi-pets
  • No age limit for coverage
  • Third place
    Trusted Pals Trusted Pals
  • Offers various discounts
  • $750 for wellness treatment
  • Pays claims quickly
  • Embrace Embrace
  • $50 deductible credit each year
  • Reviews 12 months of medical records
  • Grooming covered under wellness plan
  • Figo Figo
  • 1-day waiting period for accidents
  • No age limit or caps
  • Offer 100% reimbursement fees
  • The 10 Best Pet Insurance Providers in Florida

    1. Spot – Best Overall

    Spot Pet Insurance

    Spot pet insurance offers plans for cats and dogs. They offer an accident and illness policy that covers hereditary conditions, alternative therapy, behavioral issues, and chronic issues, and the plan is customizable. You have five deductible options, three reimbursement choices of 70%, 80%, and 90%, and several payout options. They also offer two different preventative care add-ons for an extra monthly fee. The Gold package is $9.95 extra that covers dental cleanings, wellness exams, vaccines, heartworm, and deworming, with an annual benefit of $250. The Premium package is $24.95 extra and offers the same coverage but with inclusions, such as blood tests, urinalysis, fecal tests, and a health certificate with an annual benefit of $450.

    This insurance has a 14-day waiting period, which is longer than other companies, but they offer a 10% discount for multiple pets. It’s also easy to submit claims online, but they do not have weekend customer service. They cover end-of-life expenses that include euthanasia, cremation, and burial. Spot also has no age limit for coverage. They cover curable pre-existing conditions if there have been 6 months of no treatments or symptoms with the exclusion of knee or ligament conditions, which will not be covered.

    Pros
    • Customizable coverage
    • 2 preventative add-on coverage options
    • 10% multi-pet discount
    • No age limit for coverage
    • End-of-life coverage
    Cons
    • No knee or ligament coverage

    2. Pets Best

    Pets Best Pet Insurance

    Pets Best has many plans available for both dogs and cats so that you can customize your plan depending on how much you want to pay for pet insurance. You can choose from accident-only, accident and illness, and routine wellness coverage. You can choose reimbursement fees from 70%, 80%, or 90%, and deductibles from $50, $100, $200, $250, $500, and $1000. They also offer a 24/7 emergency vet hotline.

    There is no age limit for enrollment. However, premiums will increase with age. The waiting periods are 3 days for accidents, 14 days for illness, and 6 months for a cruciate ligament. There is also no pre-existing coverage, which is expected with all pet insurance companies.

    The accident-only coverage allows those with a limited budget to get coverage for their pet. This plan costs as low as $6 for cats and $9 for dogs monthly and covers true accidents, such as snake bites, broken limbs, or a swallowed object. They also offer Direct Pay, which pays claims directly to your vet.

    For overall coverage, they offer two tiers: Best Wellness and Essential Wellness. These plans cover a wide range, including wellness exams, vaccines, deworming, heartworm tests, and more. Monthly costs for their accident and illness plans are between $35–$58 monthly for dogs and $22–$46 monthly for cats. They also offer a 5% multi-pet discount when you enroll multiple pets.

    Pros
    • Affordable and customizable plans
    • 5% discount for multi-pets
    • No age limit for coverage
    • Offers wellness plans
    • 24/7 Emergency Vet Hotline
    Cons
    • Premiums increase with age
    • Doesn’t cover pre-existing conditions

    3. Trusted Pals

    TrustedPals

    Trusted Pals has a unique approach to their website, which explains the information as if your pet is the one reading it—we think that’s cute and clever! Apart from the cuteness, here are the plan types: accident and illness, prescribed training and therapy (prescribed by your vet), and a wellness plan. The wellness plan works differently in that they give you $750 for wellness visits and treatments once the annual deductible for the year has been met. The wellness coverage also covers dental cleanings, which is a nice perk because many plans do not offer dental coverage unless an accident has occurred that requires dental treatment.

    You can choose deductibles from $0, $100, $250, $500, and %750. You can also choose your reimbursement rates of 70%, 80%, 90%, and 100%. They have a 10-day average of paying claims and a 14-day waiting period for coverage. One drawback is a 12-month waiting period for hip dysplasia coverage, which is longer than its competitors, and they do not cover pre-existing conditions.

    Many 5% discounts are available, such as a multi-pet discount, if you’re an active military member or a veteran, you work in a veterinary clinic, are a first responder, or are the owner of a service animal. They do not, however, offer a 24/7 emergency vet hotline. However, with the various discounts and customizable plans, this company comes in as the best pet insurance for the money.

    Pros
    • Offers various discounts
    • Customizable deductibles and reimbursements
    • $750 for wellness treatment after meeting deductible
    • Pays claims quickly
    • 14-day waiting period for coverage
    Cons
    • No 24/7 emergency vet hotline
    • Doesn’t cover pre-existing conditions
    • 12-month waiting period for hip dysplasia

    4. Embrace

    embrace pet insurance

    Embrace pet insurance’s logo is “we cover pretty much everything, except pre-existing conditions.” In a nutshell, this statement is accurate; however, they have a different approach to how they handle pre-existing conditions. They review only the last 12 months of your dog or cat’s medical records as opposed to the standard 24 months with other companies, meaning a pre-existing condition will be covered sooner.

    They offer a 10% discount for multiple pets and a 5% discount for military and veterans, and you can choose to pay monthly or annually. Embrace offers a flexible Wellness Rewards for Routine Care plan that covers pretty much everything under the sun, with the exclusions of cosmetic procedures, DNA testing, breeding, and pregnancies. It does cover grooming with the wellness rewards, which is a nice perk.

    They offer 10 deductible options, and with each year you do not receive reimbursement, you get a $50 credit on your deductible. They have a 14-day waiting period for illnesses, a 2-day waiting period for accidents, and a 6-month waiting period for orthopedic conditions. They also have an age limit of 14 for enrollment eligibility.

    Submitting claims is easy to do online through their website and is processed within 10–15 business days. They also have a 24/7 pet health line.

    Pros
    • 10 deductible options
    • $50 deductible credit each year that no reimbursement is received
    • Reviews 12 months of medical records
    • Wellness Rewards for Routine Care Plan available
    • Grooming covered under wellness plan
    • 10% multi-pet and 5% military and veteran discounts
    Cons
    • Enrollment age limit of 14
    • 6-month waiting period for orthopedic conditions

    5. Figo

    FIGO Pet Insurance

    Figo offers more simplistic options to make your choices easier. You can choose an accident or illness plan, with wellness plans available as add-ons to your policy that cover exam fees and vaccines. They have no age limit, and you can enroll your cat or dog at 8 weeks old and up.  They have no age limit or caps on claims per incident, but they only cover dental issues if you “power up” your coverage with an add-on wellness plan, and it doesn’t cover routine cleanings.

    An outstanding perk is their 1-day waiting period for accident coverage and lightning-fast claim closures of 2–3 days. They are one of the few companies that offer 100% reimbursements, and you can choose the essential plan with $5,000 annual benefits, the preferred (most popular) with $10,000 annual benefits, or the ultimate plan with unlimited annual benefits. They have the standard 6-month waiting period for orthopedic conditions that cover knee injuries, hip dysplasia, and invertible disc disease. The deductibles are customizable, along with reimbursement fees. The customer service department gets mainly positive reviews, and claims are processed in a timely manner.

    They also have the Figo Pet Cloud app that allows you to connect with other pet owners, where you can set play dates, share photos, talk to vets, and more.

    Pros
    • 1-day waiting period for accidents
    • No age limit or caps
    • Offer 100% reimbursement fees
    • Customizable plans
    • Offers the Pet Cloud app
    Cons
    • No routine dental cleaning covered
    • 6-month waiting period for orthopedic conditions

    6. Prudent Pet

    Prudent Pet Pet Insurance

    Prudent pet insurance offers three plans: accident-only with a $10,000 annual benefit, the essential plan that covers accidents plus illnesses with a $10,000 annual benefit, and the ultimate with unlimited annual benefits. They have a 5-day waiting period for accident coverage, a 14-day waiting period for illnesses, and the standard 6-month waiting period applies for knee and ligament conditions.

    The accident-only plan is a good option for those on a budget, and you can add wellness and veterinary exam fee plans for an extra fee. It’s easy to submit claims through the pet portal, but they do not offer direct payments to your vet. Rather, the reimbursements come directly to you.

    In order for dental cleanings to be covered, you must select wellness coverage. Otherwise, dental procedures from injuries will be covered, but only if you have kept up with routine cleanings and there were no dental issues before or during the waiting period.

    Pros
    • Offers accident-only coverage
    • Wellness plan available
    • Pet portal for easy claim submission
    Cons
    • Dental coverage can be tricky
    • No direct payment to your veterinarian
    • 14-day waiting period for illnesses

    7. ASPCA

    ASPCA Pet Health Insurance

    The American Society for the Preventions of Cruelty to Animals (ASPCA) offers coverage for dogs, cats, and horses. A nice perk is they cover exam fees for eligible conditions, unlike most pet insurance companies. You can choose between accident-only or complete coverage. The complete coverage plan covers hereditary and congenital conditions, behavioral issues, alternative therapies, such as acupuncture and chiropractic care, chronic conditions, prescription food, medicine, supplements, and microchipping.

    They do not cover cosmetic procedures, such as ear cropping or tail bobbing, breeding, and pregnancies. Another drawback is the slow claim processing, which can take up to 30 days, but you can submit claims on the member center section of the website, which is easy to do.

    They have a 14-day waiting period for coverage, but they offer a 10% multi-pet discount. There is also no age limit for coverage.

    Preventative care is available as an add-on plan that covers vaccines, flea and tick medication, heartworm preventative, and preventative screenings.

    Pros
    • Offers accident-only for cheap coverage
    • Exam fees covered
    • Offers horse coverage
    • No age limit or caps
    • Complete coverage covers a wide array of issues
    Cons
    • Does not cover breeding or pregnancies
    • Claims can take 30 days for reimbursement
    • 14-day waiting period

    8. Pumpkin

    Pumpkin Pet Insurance_Logo

    Pumpkin pet insurance offers extensive accident and illness coverage that will not decline with age, 90% reimbursements on covered vet bills, and no sneaky add-ons. They have no age limit for coverage, and there is no 6-month to a 1-year waiting period for knee injuries or hip dysplasia, which is unheard of. You don’t have to pay extra for dental treatment due to gum disease or injury regardless if your pet has or has not had a dental cleaning within the last 12 months; however, they do not cover routine dental cleanings. They offer a 10% discount for multiple pets, and they cover behavioral issues, hereditary conditions, and prescription food and supplements.

    They do not have a mobile app, but their website is optimized for use on a smartphone, tablet, or desktop.

    Pumpkin offers Preventative Essentials, which is an optional wellness package you can purchase upon enrollment for an extra monthly fee; obtaining this package allows for full reimbursement for wellness exams rather than just 90%.

    Pros
    • No sneaky add-on fees
    • Offers Preventative Wellness package for 100% cash back for wellness checks
    • No waiting period for knee injuries or hip dysplasia
    • No age limit for enrollment
    • Dental disease treatment covered without an add-on
    Cons
    • No mobile app
    • No routine dental cleanings covered

    9. Healthy Paws

    Healthy Paws Pet Insurance

    Healthy Paws offers only one accident and illness coverage with no caps on payouts to make life simpler. However, they do not offer preventative care. Most claims are accessed within 2 business days with their mobile app, and they help homeless pets receive medical care.

    Conditions covered are cancer, chronic conditions, hereditary and congenital conditions, and diagnostic treatment. It does not cover behavioral issues or exam fees.

    You can choose five different deductibles and reimbursement rates, but there is a 15-day waiting period for accidents, illnesses, and cruciate ligament coverage and a 1-year waiting period for hip dysplasia coverage. They offer a 30-day money-back guarantee, and they cover euthanasia; however, they do not cover burial or cremation costs, nor do they offer discounts of any kind.

    This insurance may not be the best option if you’re looking for wellness care options, but it works well for those seeing accident and illness coverage.

    Pros
    • Offers one simple plan
    • 2-day claim processing with mobile app
    • Help homeless pets receive medical care
    • 30-day-money-back guarantee
    • Customizable deductibles and reimbursement rates
    Cons
    • No wellness package available
    • 15-day waiting period, 1-year for hip dysplasia
    • Behavioral issues not covered
    • No discounts available

    10. Nationwide

    nationwide pet insurance logo

    Nationwide is on your side when it comes to pet insurance. Not only do they cover dogs and cats, but they also have coverage for birds and exotic animals, such as guinea pigs, hamsters, lizards, mice, rabbits, turtles, and more.

    Their plans consist of injuries, illness, and wellness. The injury and illness coverage covers a wide area of conditions and testing, such as chronic illnesses, procedures, common illnesses, diagnostic testing and X-rays, hereditary conditions, and alternative therapies. For the wellness package, you have two options: Wellness Plus and Wellness Basic. The plus package runs from $17–$22 extra a month and the basic runs from $12–$18 extra a month. Both plans cover additional wellness costs, such as deworming, fecal tests, vaccines, microchipping, nail trims, flea and heartworm prevention, and physical exams, with slight payout variations.

    Nationwide has a 10-year age limit for enrollment, but they will not drop your pet once it reaches that age, as long as you do not let your plan lapse. You can also pick how to receive reimbursements. The Whole Pet plan pays a percentage of the bill you paid to your vet, and the Major Medical plan pays on a benefit schedule with caps for conditions and services.

    They do not offer direct payments to your vet. You pay for services rendered, file the claim, and the payments will come to you. Current customers will receive a 5% discount on any new pet policy.

    Pros
    • Offer dog, cat, bird, and exotic pet coverage
    • 2 wellness plans available
    • 2 reimbursement plans
    • Covers wide range of injuries and illnesses
    • 5% discount on pet policy for existing customers
    Cons
    • No direct pay to vet available
    • 10-year age limit for new enrollments

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    Buyer’s Guide: Choosing the Right Pet Insurance Reviews in Florida

    What to Look for in Pet Insurance

    When it comes to shopping for pet insurance, your choices may seem overwhelming, but we are here to help! In doing our research into these 10 pet insurance policies available in Florida, we’ve weighed the pros and cons of each one, along with descriptions of what they all offer. Many are the same, but there are slight variations in all of them.

    Policy Coverage

    When buying pet insurance, it’s imperative to know exactly what is covered and what is not to avoid any unpleasant surprises. For starters, you will not find a policy that covers pre-existing conditions. With that said, ensure you know what the company classifies as “pre-existing,” which is typically any condition or injury that still requires treatment prior to enrollment.

    Most companies cover accidents and illnesses, but if you want preventative care, you usually have to buy additional add-ons for wellness that can drive up the cost. Some companies offer accident-only plans that cover only in the event of an accident. This type of coverage is relatively cheap and allows those on a budget to have some type of coverage for their pet.

    Customer Service & Reputation

    Reviews of current customers are an excellent way to get an idea of how a company’s customer service performs. A few things to consider are how long it takes for the company to pay a claim, the ease of submitting, and the friendliness of the staff. Their reputation is also important, as this will tell you how they treat their customers. If a company receives more negative reviews than positive ones, run!

    Claim Repayment

    Some companies pay claims faster than others. We’ve reviewed some that take as little as 2 days, while others can take up to 30 days. Having the option of direct payments to your vet is a nice option, but few offer this service. Usually, you pay the bill when services are rendered, and you’re reimbursed directly after the claim is processed.

    Price Of Policy

    Florida pet insurance averages $40 a month for dogs and $21 a month for cats. These estimated prices are for accident and illness policies, and if you add a wellness care package, that will increase anywhere from $9.95–$24.95 extra per month. Some plans offer only accident and illness plans, which makes it easy to choose, but you’ll be left with annual exam fees each year. Many offer discounts from 5%–10% for multiple pets, which is an important factor if you have more than one pet.

    The average cost in Florida is $50 for dogs and $30 for cats. Many factors influence costs, which we’ll explain in more detail below.

    Plan Customization

    Having the option to customize your deductibles and reimbursements is a nice feature and will fluctuate costs. How it works is you choose your deductible, which is usually from $0 up to $1,000, and reimbursements rates from 70%, 80%, and 90%. Keep in mind that the lower the deductible, the higher the premium. Also, the plans will not pay out until the deductible is met.

    man signing pet insurance policies
    Image by: Drazen Zigic, Shutterstock

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    FAQ

    Can I Get Pet Insurance Outside the US?

    Most companies offer coverage in both the US and Canada, but if you travel with your pet internationally, ensure the company has some sort of traveler’s insurance. In fact, Embrace is the only one we know of that offers such coverage for international travel.


    Which Pet Insurance Provider Has the Best Consumer Reviews?

    Embrace seems to have the best overall reviews due to their fast claim processing (2 days) and the customizable options. They offer wide coverage for various ailments and give deductible credits of $50 for each year you do not file a claim. Consumers are happy with their customer service and overall coverage for the money.


    What Is the Best and Most Affordable Pet Insurance?

    We feel that Embrace is the best and most affordable pet insurance to choose from. They offer discounts for multiple pets and military personnel, and they offer coverage abroad. You can also find a plan that fits your budget with extensive customizable options.

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    What the Users Say

    Many consumers report that Embrace’s customer service is excellent, with fast responses and quick solutions to questions. Submitting claims is easy and fast, and consumers are happy with the speed of processed claims. Although, the biggest complaint we’ve seen is a slight increase in monthly premiums after renewal each year.

    Which Pet Insurance Provider Is Best for You?

    You know your pet the best, and you can choose a plan that works best for your pet and your budget. Factors to consider are your pet’s activity level and maybe even the breed. Some breeds have more health issues than others, such as large dogs are more prone to hip dysplasia, and some cats are more prone to Feline Lower Urinary Tract Disease (FLUTD).

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    Conclusion

    When shopping around, ensure you pick coverage for what you actually need. Not everyone’s needs are the same, and if you’re paying for services you will not use, it can be frustrating. Also, ensure you can see any veterinarian, as most allow you to see any licensed vet. Check for any caps on claims, and ensure you understand the company’s pre-existing policies. No pet insurance covers pre-existing conditions, but the terms may vary.

    Age limits are important, as some have cutoffs for coverage for senior fur babies. Lastly, ensure you can customize your deductibles and reimbursement rates, as this affects your monthly premiums.

    Good luck in your search, and we hope this article helps you make the best decision for you and your pet.


    Featured Image Credit: Rawpixel.com, Shutterstock

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