megan browning
pet insurance Health management policy for pets. I will refund Some or all of your eligible veterinary expenses. This type of insurance is becoming increasingly popular among pet owners who want to reduce veterinary costs. According to the North American Pet Health Association, there were 5.36 million pets insured in North America in 2023, an increase of 21.7% compared to 2021.
If you're considering insuring your furry family member, it's essential to shop and compare different providers and policies to find the best pet insurance plan. There are several reputable pet insurance companies in Florida. Below you will find the best pet insurance companies in Florida divided into several different categories.
Ready to get started? Get a free pet insurance quote online today.
Best Pet Insurance Company in Florida
The best pet insurance companies in Florida right now are:
Great value for money: Embrace
hug is our first choice as the most cost-effective pet insurance company in Florida due to our low premiums and numerous opportunities to reduce costs. The company's average insurance costs range from $17.48 to $88.70 per month, depending on insurance options, breed, and other factors.
The company's Healthy Pet Deductible also automatically reduces your deductible by $50 each year you don't get a claim reimbursement. By the way, this system is scheduled to be replaced by the “Healthy Pet Premium Discount System'' soon. At that point, she will receive a monthly premium discount of 5% for the first year of eligibility and 10% for the second year.
Additionally, if you serve in the military (active and former), you may be eligible for a 5% discount or a 10% discount if you insure multiple pets.
You can find out how much Embrace pet insurance costs here.
Best for comprehensive coverage: Fetch
At first glance, you may think so, but fetch pet insurance The company only offers a single insurance policy for both, so coverage may be minimal. Cat and dog. In fact, Fetch's standard insurance offers more coverage and benefits than many of our competitors.
For example, Fetch covers emergency veterinarian visits at emergency clinics in the U.S. or Canada, so there are no out-of-network issues. Additional coverage includes up to 90% coverage for physical therapy, breed-specific issues, orthopedic surgeons, cardiologists, and other specialty treatments.
Best for flexibility: spot
spot Pet owners in Florida can customize their pet coverage with two plans plus numerous options to adjust costs.
Spot offers both For accidents only In addition to an accident and illness plan, it also includes an optional preventive care plan such as spay/neuter, health care, or regular dental cleanings. Add the Platinum Preventive Care plan to your base plan for $24.95 per month and receive a total annual benefit of $450 for routine care.
Spot also offers six annual coverage limits and five annual coverage limits. Deductible amount We can help you adjust your premiums and copays to fit your budget.
Get a free quote from Spot today.
Perfect for dogs: AKC
The American Kennel Club (AKC) is the top pet insurance provider for dogs in Florida for several reasons.
First, unlike other pet insurance companies, AKC offers coverage for: existing symptoms. When you purchase 365-day coverage, you are eligible for coverage for pre-existing conditions.
AKC also offers accident and illness coverage, although many pet insurance companies do not offer accident-only coverage. If a comprehensive accident and illness plan isn't in your budget, at least you can protect yourself from the high costs you could face if your dog suffers an unexpected injury.
Finally, AKC Pet Insurance offers unique supplemental insurance for an additional fee. For example, reproductive coverage covers emergencies such as caesarean sections and liver failure, and final expense coverage also includes burial, cremation, and memorial costs.
Learn more about how to insure your dog with AKC.
Best for cats: Figo
Figo A great option to ensure you buy your Florida cat at an affordable price. For example, I received the following quote for her 3-year-old female mixed cat in Orlando:
- $7.07 per month: This value plan covers 70% of eligible veterinary expenses up to $10,000 per year with a $500 deductible.
- $12.40 per month: For just over $5, you can expand your coverage to 80% reimbursement on approved veterinary expenses up to $10,000 per year, with a $250 lower deductible.
- $18.72 per month. If you pay less than $20 a month, a $500 deductible will cover 90% of your approved veterinarian medical bills with no coverage limitations.
Figo's cat insurance coverage is comprehensive and includes customizable options for coverage limits, deductibles, and reimbursement rates to find the perfect balance of coverage and affordability.
Explore your Figo pet insurance options today.
Best for quick refunds: Lemonade
lemonade is the best pet insurance in Florida that covers upfront vet costs.
The main benefit of pet insurance is that it helps you minimize and manage out-of-pocket costs for often expensive veterinary care. That's why it's important to choose a pet insurance company that processes claims and refunds quickly.
Lemonade allows you to submit claims through the app. Your claim may be approved instantly, in which case Lemonade promises to pay your claim in seconds. If not approved immediately, the AI program will send the application to a human representative for manual processing.
Let's start with lemonade.
Best for direct veterinary payments: Pets Best
As the best pet insurance company for direct veterinary payments, pet vest You can completely eliminate the hassle of repayments. Pets Best can pay the claimed refund amount directly to your veterinarian instead of waiting for a refund. This scenario is very similar to human medicine. Best Pet pays veterinarians, so you don't have to take money out of your bank or use your credit card to pay your bills.
To take advantage of the company's Vet Direct Pay service, you must submit a signed veterinary reimbursement consent form along with your completed invoice. Once your claim is approved, Pets Best will send your eligible refund to your veterinarian. You may be responsible for paying any amounts not covered by insurance.
Learn more about Pets Best today.
