Pet Insurance Florida: Our Top Picks 2021

Last modified: December 30, 2020

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.

Overview: Pet Insurance in Florida 

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

Why Is Pet Insurance Necessary?

There are numerous reasons why pet insurance is necessary for you. Some of these reasons are: 

  • Comfort knowing that you’re well prepared for any health-related situations that can happen to your pet. 
  • Financial security and ready funds for emergency cases
  • Timely access to costly medical procedures and additional benefits
  • You would not have to entertain the heart-wrenching idea of neglecting or putting your pet down because you can’t afford their treatment.

Pet Insurance Cost in Florida

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. 

City Monthly Cost*
Miami $29.75
Tallahassee $17.89
Orlando $19.07
Fort Lauderdale $44.94
Sarasota $20.32

*We used a male, three-year-old, mixed-breed dog of 21 to 70 lbs. for the sample quotes.

Which Types of Coverages Are Offered in Florida?

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.

What Is Not Covered in a Pet Insurance Plan in Florida?

You must be aware that there are several facets of pet healthcare that are not covered by pet insurance plans, such as:

  • Pet pre-existing conditions
  • Breeding
  • Pregnancy case
  • Spaying
  • Neutering

Which Pet Insurance Is the Best in Florida?

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!

Best Pet Insurance Companies in Florida

Company Best for Coverages What pet insurance is not covered? Starting rate monthly
Trupanion Customer service
  • Accident and illness
  • Wellness and routine care coverage
  • Pet pre-existing conditions 
  • Preventive care 
  • Breeding
$60 to $82
Pets Best Low emergency and veterinary costs
  • Accidents and illnesses
  • Accident only plan
  • Pet pre-existing conditions 
  • Chronic conditions
  • Bilateral conditions,
  • Intervertebral disc conditions
  • Wellness exams Elective and cosmetic procedures
  • Spaying or neutering
  • Breeding
  • Over-the-counter medications
  • Alternative and holistic treatments
  • Cremation and burial
$21 to $37
Nationwide Pet Insurance Exotic animal coverage 
  • Accident and illness
  • Pet pre-existing conditions
  • Non-veterinary fees such as tax and waste disposal
  • Boarding/grooming
  • Cosmetic procedures
  • Breeding
$48 to $79
Healthy Paws Accident and illness policy
  • Accidents and illnesses
  • Pet pre-existing conditions
  • Preventive care 
  • Veterinary examination fees
  • Breeding
  • Elective procedures
  • Bilateral conditions 
  • Spaying and neutering
$23 to $41
Figo Holistic care
  • Accident and illness
  • Veterinary examination
  • Pet pre-existing conditions 
  • Wellness and routine care coverage
$31 to $54

 

Detailed Review: Pet Insurance in Florida 

Trupanion Pet Insurance

Trupanion Insurance union 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.

Pros 

  • 24/7 customer service 
  • Covers up to 90% of services after the customizable deductible is met
  • No payout limits

Cons 

  • No wellness coverage

PetsBest Insurance 

PetsBest Insurance offers extremely low rates for accident coverage. This policy helps offset any large vet bills and tight situations. 

Pros

  • Essential pet wellness plans for routine care
  • Low veterinary and emergency costs
  • Brief waiting periods

Cons 

  • No offer for holistic care
  • Doesn’t covers preventive care

Nationwide Insurance

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

Pros

  • 90% reimbursement rate
  • Strong financial ratings
  • Affordable pet insurance 
  • Comprehensive coverage

Cons 

  • Two week waiting period for accidents
  • Two week waiting period for illnesses

Healthy Paws Pet Insurance 

Healthy Paws 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!

Pros 

  • No caps on lifetime or annual payouts
  • 99% of claims are processed in just two days
  • You can use any licensed vet

Cons

  • No coverage for pet pre-existing conditions, preventive care, veterinary examination fees, etc.
  • For pets six years of age or older on the day of enrollment, no coverage is available for ailments related to hip dysplasia.

FIGO Pet Insurance 

Figo insurance is one of the best insurers for pet owners who seek alternative treatments for their pets, such as herbal medicine, hydrotherapy, and acupuncture.

Pros

  • Holistic and alternative care is included in base plans 
  • Licensed veterinarian
  • 30-day money-back guarantee
  • All-day virtual vet visits available 
  • Flexible customer service

Cons

  • Limited to only one plan and one rider 
  • Exam fees not included in the base plan 
  • Subject to both lifetime and annual limits
  • Advice for enrollment exam 

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

What pets are legal in Florida?

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.

Are multiple pet discounts available in Florida?

Yes, pet insurance companies like PetsBest offer excellent discounts to Floridians. 

Is there pet insurance in Florida that covers pet pre-existing conditions?

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.