Best Pet Insurance in Florida (FL) in 2024

Spot scored a 91 out of 100 in our review and prioritizes affordability for all pet owners by offering customizable plans.

Spot Pet Insurance Highlights:

• Highly customizable: six annual limits, five deductibles, and three reimbursement percentages to choose from
• Great for cheap coverage
• Not the best fit for pet owners wanting 24/7 customer service or a comprehensive pet wellness plan

For the most affordable policy, consider Spot’s Accident-Only Plan, which offers minimal coverage for vet bills related to injuries, swallowed objects, or toxic ingestions.

The Accident and Illness Plan covers everything under the Accident-Only Plan and behavioral issues, hip dysplasia, heart disease, hereditary conditions, congenital conditions, cancer, respiratory infection, diabetes, and dental disease.

During checkout, you can add the Gold Preventative Care Plan for $9.95 per month, which covers items like wellness exams, vaccinations, and deworming up to $250 per year.

• Age limit: 8 weeks—no upper limit
• Deductibles: $100, $250, $500, $750 or $1,000
• Annual coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000 or unlimited
• Reimbursement rates: 70%, 80% or 90%

For more routine care coverage up to $450 per year, you can add the Platinum Preventative Care Plan for $24.95 per month.

Scoring an 89 out of 100, ASPCA Pet Health Insurance is an ideal choice for new pet owners, since it provides a local vet finder tool, resources on pet breeds and their common health issues, and coverage for microchip implantation.

ASPCA Highlights:

• Five customizable annual coverage limit options
• Lower prices in Florida compared with other providers
• Pet insurance provider comparison tool on its website

• Age limit: 8 weeks–no upper limit
• Deductibles: $100, $250 or $500
• Annual coverage limits: $3,000, $4,000, $5,000, $7,000 or $10,000
• Reimbursement rates: 70%, 80% or 90%

ASPCA Pet Health Insurance offers two policies: the Accident-Only Plan and the Complete Coverage Plan.

The Accident-Only Plan is more affordable than the Complete Coverage Plan and covers injuries and other accidents like swallowed objects or cuts. The Complete Coverage Plan covers costs related to both accidents and illnesses, including hip dysplasia, hereditary conditions, chronic conditions, cancer, and more.

ASPCA Pet Health Insurance also offers preventative care options for your pet in the form of the Basic Plan and Prime Plan.

The Basic Plan costs $9.95 per month, and it comes with $250 of annual coverage for a few items like vaccines, a wellness exam, and a fecal test. The Prime Plan costs $24.95 per month, and it comes with $450 of annual coverage for everything covered under the Basic Plan in addition to a few other items such as spay or neutering, an extra vaccine, and flea or heartworm prevention.

We gave Embrace a 93.5 out of 100.

Embrace Highlights:

• Five pet insurance deductible options
• “Healthy Pet Deductible” diminishes your deductible by $50 each year you don’t file a claim
• If your pet rarely has health issues, the deducible you owe during a claim could be $0

For coverage on issues like cancer, broken bones, digestive illnesses, dental trauma, genetic conditions, and congenital conditions, purchase Embrace’s Accident and Illness Plan, which covers exam fees, procedures, hospitalizations, prescription drugs, allergy testing, acupuncture, and physical therapy related to eligible conditions and incidents.

• Age limit: 6 weeks–14 years
• Deductibles: $200, $300, $500, $750 or $1,000
• Annual coverage limits: $5,000, $8,000, $10,000, $15,000 or $30,000
• Reimbursement rates: 70%, 80% or 90%

You can also add preventative care coverage for flea medication, routine blood tests, microchipping, annual vet visits, medicated shampoos, and prescription diet foods up to $250, $450, or $650 per year with the optional Wellness Rewards for Routine Care Plan.

Embrace doesn’t cover preexisting conditions and requires a report from a vet examination 12 months prior or 14 days after the policy’s effective date.

Healthy Paws scored a 93.5 out of 100 in our national review and is typically ranked near the top of our recommendations, but we ranked it lower in this article since its pricing in Florida was significantly higher than competitors.

Healthy Paws Highlights:

• Great choice if you’re looking for a policy with no per-incident, annual, or lifetime limits
• While Healthy Paws pricing is high in Florida, coverage is still very comprehensive

Healthy Paws sells one plan that includes coverage for both accidents and illnesses. This policy pays for vet bills from cancer treatments, diagnostics, surgery, X-rays, hospitalizations, ultrasounds, chronic conditions, congenital conditions, hereditary conditions, prescription medications, emergency care, specialty care, and alternative treatments.

• Age limit: 8 weeks–14 years
• Deductibles: $250 or $500
• Annual coverage limits: Unlimited
• Reimbursement rates: 70% or 80%

*Policies that cover pets over six years old come with lower reimbursement rates (50% to 70%) and higher annual deductibles ($500 to $1,000).

This policy doesn’t cover preventive care, vaccinations, dental care, spaying or neutering, elective procedures, or any preexisting conditions before or during the 15-day waiting period. It also doesn’t cover hip dysplasia until after the first 12 months of the policy start date.

Fetch scored a 91.5 out of 100 in our national review of top pet insurance providers, standing out for its comprehensive holistic care coverage. It covers therapies, such as stem cell therapy, homeotherapy, acupuncture, and chiropractic care.

Fetch Pet Insurance Highlights:

• Unlimited annual coverage cap option
• Up to $1,000 of behavioral therapy coverage
• Mobile app for filing claims and managing your policy

Fetch covers your pet’s accidents and illnesses that occur after 15 days of signing up for your policy. This means it pays for most treatments, procedures, vet visits, and other costs related to your pet’s conditions that are recommended by your vet, such as ultrasounds, rehabilitation, diagnostic tests, dental procedures, cancer treatments, hospitalization, surgery, and more.

• Deductibles: $250, $300 or $500
• Annual coverage limits: $5,000, $15,000 or unlimited
• Reimbursement rates: 70%, 80% or 90%

Fetch also covers instances where you need to board your pet while you’re in the hospital for more than four days, vacation cancellation fees if your plans change after your pet’s covered accident or illness, and advertising and reward money if your pet ever gets lost.

We gave Figo a score of 93 out of 100 for its optional third-party liability coverage. Third-party liability coverage is insurance that protects you from being sued for damage your pet caused outside of your property, such as broken pickets on a neighbor’s fence that occurred as a result of your dog scratching at the fence or trying to dig underneath it.

Figo’s third-party liability insurance has an annual cap of $10,000. Additionally, Figo’s add-on options include reimbursements for lost-pet advertising and reward money and cremation and burial costs in the event of your pet’s death.

Figo Highlights:

• Reduces your deductible each year you do not file a claim
• Covers older dogs and cats regardless of their age
• Has a Pet Cloud app that can be used for virtual vet visits and to connect with other pet owners in your area

Figo offers three plans that vary only in terms of annual coverage caps. The Essential Plan comes with a $5,000 limit while the Preferred Plan has a cap of $10,000. The third plan—Ultimate—does not have an annual limit, meaning you will be reimbursed for approved pet care costs regardless of the amount. Customers can choose from four deductible amounts: 70%, 80%, 90%, or 100%.

• Deductibles: $100, $250, $500, $750
• Annual coverage limits: $5,000, $10,000, unlimited
• Reimbursement rates: 70%, 80%, 90%, 100%

All three of Figo’s accident and illness plans cover vet bills associated with the diagnosis and treatment of illnesses and accidents. This includes testing, surgeries, and prescription medicines. Chronic and hereditary or congenital conditions are covered as long as they are not preexisting conditions.

While Figo does not provide any wellness coverage, the company’s optional Extra Care Pack pays up to $250 in burial costs should your four-legged family member pass away. It also provides reimbursement up to $150 for any advertising and associated reward you offer in the return of a lost or stolen pet.

With a score of 95 out of 100, Prudent Pet is one of the top pet insurance providers in Florida for its comprehensive Ultimate Plan.

Ultimate Plan Highlights:

• Covers accidents & illnesses, plus unlimited annual benefit
• Features unique coverage for advertising and reward costs for lost pets, boarding fees, replacement costs for stolen animals, morality costs, and vacation cancellation fees

However, this provider doesn’t offer a wellness care add-on in Florida, so we recommend choosing another provider if you need preventive insurance coverage.

Prudent pet’s Accident-Only Plan is its cheapest option, covering up to $10,000 per year for vet bills related to alternative therapies, bite wounds, broken bones, hospitalizations, medications, diagnostics, surgery, specialist care, and swallowed objects.

In addition to these items, the Essential Plan covers illnesses like cancer, gum disease, digestive illnesses, eye conditions, skin conditions, hip dysplasia, hereditary conditions, and urinary infections.

The Ultimate Plan is the most comprehensive option, covering everything in the Essential Plan, plus providing extra coverage for behavioral disorders, lost pet advertising, mortality costs, vacation cancellation fees, boarding fees, and the cost to replace your pet if it’s stolen or lost.

• Deductible Options: $100, $250, $500, $1,000
• Annual Coverage Limit: $10,000, Unlimited
• Reimbursement Choices: 70%, 80%, 90%

You can also add coverage to any plan for veterinary exam and consultation fees for an extra $5–$10 per month.

These plans don’t cover preexisting conditions that arise before enrollment or during the five-day waiting period for accidents or 14-day waiting period for illnesses, breeding costs, or cosmetic procedures.