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:
Best pet insurance category
Company winner
Best overall
Embrace
Best budget pick for dogs
Liberty Mutual
Best budget pick for cats
Best for comprehensive coverage
How we found the best pet insurance in Florida
Best overall: Embrace
Embrace
Get a quote
on Embrace’s website
Get a quote
on Embrace’s website
Annual max coverage
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100 – $1,000 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Many ways to save on your policy.
Pros and cons
Bottom line
Why it’s the best
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.
Best budget pick for dogs: Liberty Mutual
Liberty Mutual
Get rates
on Money.com
Get rates
on Money.com
Annual max coverage
$15,000 The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$250, $500, $1,000 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Discount for existing Liberty Mutual customers.
Pros and cons
Bottom line
Why it’s the best
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.)
Best budget pick for cats: Figo
Get rates
on Money.com
Get rates
on Money.com
Annual max coverage
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90%, 100% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100 – $1,500 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Mobile app has lots of useful features.
Pros and cons
Bottom line
Why it’s the best
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.
Best for comprehensive coverage: ASPCA
Get rates
on Money.com
Get rates
on Money.com
Annual max coverage
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100, $250, $500 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Broader coverage than most other plans.
Pros and cons
Bottom line
Why it’s the best
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.
Full list of the best pet insurance in Florida
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.
Company
NerdWallet star rating
Sample monthly rates
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $26
Cat: $13
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $33
Cat: $18
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $19
Cat: $9
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $27
Cat: $19
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $64*
Cat: $25*
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $22
Cat: $13
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $26
Cat: $13
*Nationwide quotes are for plans with a 70% reimbursement rate and a $10,000 annual coverage limit.
Cheap pet insurance in Florida
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.
Cheap pet insurance in Florida for dogs
Company
NerdWallet star rating
Sample monthly rate
4.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.5
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Cheap pet insurance in Florida for cats
Company
NerdWallet star rating
Sample monthly rate
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.5
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.5
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
4.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to pet insurance; a company’s rating for other products may be different on our site. See our criteria for evaluating pet insurance companies.
