The Best Pet Insurance in Florida for 2024

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:

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.

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.)

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.

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.

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.

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.