Now, we understand that your pets are an important part of your family, and why wouldn't they be?
They love you unconditionally and are there for you through thick and thin!
So, when your four-legged buddy needs expensive veterinary care, do you reckon you’re well-equipped to expend thousands of dollars on them if necessary?
Let us tell you that the best thing about pet health insurance is peace of mind.
Having the right pet insurance in Florida, or indeed in any other state, enables you to avoid the worries of unexpected veterinary bills. Therefore, in this review, we will be talking about the best pet insurance in Florida. If you live outside of Florida and you want to protect your pet - make sure to take a look at our best pet insurance companies list.
The laidback lifestyle of Florida is perfect for pets, which helps explain the number of pet owners in the Sunshine State! According to Banfield statistics, 52,558 cats and 267,476 dogs reside in Florida.
So, it is always an excellent idea to get pet insurance that ensures the care of your four-legged companion doesn’t hurt your wallet.
Read ahead to learn about a few of the best pet insurance providers in Florida.
There are numerous reasons why pet insurance is necessary for you. Some of these reasons are:
Bear in mind that the pet insurance cost in Florida depends entirely on the pet you own, their age, and their breed. Other factors involve the amount of coverage you will require and where you live.
Due to this, the cost of pet insurance will differ substantially throughout different parts of the state. It is ideal to gather quotes from multiple pet insurance companies before making a choice.
According to Petplan, Florida has $1,200 to $1,300 yearly veterinary care costs for cats and dogs. Your area of residence in the Sunshine State does make a huge difference in your insurance rate every month.
For instance, Fort Lauderdale is the most high-priced, followed by Miami, Orlando, Sarasota, and Tallahassee.
*We used a male, three-year-old, mixed-breed dog of 21 to 70 lbs. for the sample quotes.
The coverage proposed by your insurance company can differ, just like a human’s health insurance varies. Nonetheless, pet insurance plans usually cover the following facets of pet health care:
Accident-Only Plans – If your pet is wounded or injured due to an unexpected occurrence, it will be cogitated as an accident by your insurance provider. For example, such are the cases when your dog gets bitten by another dog and needs immediate assistance for the injury. Additionally, it will also encompass any muscle pulls or broken bones of your pet.
Pet Wellness Plans – It’s an insurance plan that entails preventative treatments and routine medical care such as annual wellness exams, dental care, heartworm prevention, vaccinations, dietary consultations, flea and tick medications, cremation and burial, etc.
Illness Plans – This is one of the most popular pet insurance plans. It encompasses accidents as well as illnesses such as infections, cancer, and allergies.
Time-Limited Policies – These policies embody treatments up to a predetermined period of time and monetary value. For example, if your dog is diagnosed with diabetes, a time-constrained insurance plan might offer up to $1,500 in coverage and 15 months of covered care.
Maximum-Benefit Policies – It’s an insurance plan that employs a cap on the sum of money that can be recompensed.
Lifetime Pet Insurance Policies – An all-inclusive policy that involves chronic illnesses, ongoing treatment, long-term medical care, and surgical procedures.
Riders/Endorsements – Commonly known as riders; they entail wellness or cancer add-ons. Pet wellness plans are generally not purchased as an add-on; nonetheless, some companies offer them as an add-on only.
Microchip Implantation – Many insurance plans encompass the cost of implanting a microchip which comes in handy in case your pet gets lost or wanders off.
Alternative Treatments – There are times when you may be looking for alternative treatment options for your pet. Besides, it is also a popular route to take among many holistic veterinarians. It may also be proposed by vets when your pet isn’t responding to other treatments.
Some pet healthcare insurance companies offer coverage for alternative treatments such as hydrotherapy, chiropractic care, rehabilitative therapy, acupuncture, and laser therapy.
Behavioral Issues – Sometimes, your pet may demonstrate behavioral issues due to an underlying medical condition. This is very common amongst pets that are suffering from anxiety.
Separate Coverages for Dogs and Cats – Many pet insurance providers give separate coverage plans for dogs and cats that are particularly designed to cater to their specific needs and requirements.
Bundles and Packages – Some insurance companies offer customized pet healthcare plans that answer to their customers’ specific needs.
You must be aware that there are several facets of pet healthcare that are not covered by pet insurance plans, such as:
There are over 20 pet insurance providers in the U.S. You have what to choose from! Still, like most pet services and products, there are some really good companies and some bad ones out there.
To help make your research easier, in this review, we have ranked some of the most popular pet insurance companies in Florida based on customer reviews, coverages, and pricing options to help you find the ideal plan for your furry family member!
|Company||Best for||Coverages||What pet insurance is not covered?||Starting rate monthly|
|$60 to $82|
|Pets Best||Low emergency and veterinary costs||
|$21 to $37|
|Nationwide Pet Insurance||Exotic animal coverage||
|$48 to $79|
|Healthy Paws||Accident and illness policy||
|$23 to $41|
|$31 to $54|
Trupanion pet insurance is one of the fastest-growing pet medical insurance providers in North America. It is known for its excellent customer service with nearly $1 billion paid out in claims, which makes it stand out as the best choice for pet owners.
PetsBest pet insurance offers extremely low rates for accident coverage. This policy helps offset any large vet bills and tight situations.
Nationwide insurance is popular for its exotic animal insurance. If your pet is a bird, snake, bear - to name a few, Nationwide insurance offers excellent coverage plans. They also provide both pet wellness plans and major medical plans. Nationwide pet insurance in Florida offers customers some attractive discounts as well.
Healthy Paws pet insurance is one of the highest-rated pet insurance providers in the U.S. In fact, they’ve been ranked number one in customer satisfaction for five years in a row!
Figo pet insurance is one of the best insurers for pet owners who seek alternative treatments for their pets, such as herbal medicine, hydrotherapy, and acupuncture.
While most small animals are legal in Florida, few small to medium-sized animals are listed as Class II and even I wildlife species which means they can’t be owned without a permit. As per the Florida Administrative Code, it is illegal to own Class I animals, and a permit is required for Class II animals.
Yes, pet insurance companies like PetsBest offer excellent discounts to Floridians.
No, there are no pet insurance policies that encompass or pay for pet pre-existing conditions. If a medical condition is diagnosed before the insurance initiates, you’ll have to pay for the treatment from your own pocket.
Policy Advice is a website devoted to helping everyday people make, save, and grow money. While our team is comprised of personal finance pros with various areas of expertise, nothing can replace professional financial, tax, or legal advice.
Policy Advice is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.Policy Advice is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com
Stay In Touch
© Copyright 2022 PolicyAdvice.net. All rights reserved.