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Best pet insurance companies in Florida
meaghanbrowning
Pet insurance is a health care policy for your pets that reimburses a portion or all of their covered veterinary expenses. This type of insurance is becoming increasingly popular with pet owners looking to control their veterinary costs. According to the North American Pet Health Association, 5.36 million pets were insured in North America in 2023, a 21.7% increase over 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. Several reputable pet insurers are available in Florida. Below, we’ve broken down the best pet insurance companies in Florida in several different categories.
Ready to get started? Get a free pet insurance quote online here now.
Best pet insurance companies in Florida
Here are the best pet insurance companies in Florida right now:
Best for cost: Embrace
Embrace is our top choice for Florida’s most cost-efficient pet insurance provider for its lower premiums and various opportunities to lower your costs. The company’s average insurance costs range from $17.48 to $88.70 per month, depending on your policy options, breed and other factors.
Also, the company’s Healthy Pet Deductible automatically lowers your deductible by $50 for each year you don’t don’t receive a claim reimbursement. Incidentally, the program will soon change to a Healthy Pet Premium Discount program. At that point, you could earn a 5% monthly premium discount during your first qualified year and 10% in the second year.
Additionally, you may qualify for a 5% discount by serving in the military (active and former members) or a 10% discount for insuring more than one pet.
See how much pet insurance with Embrace would cost you here.
Best for comprehensive coverage: Fetch
At first glance, you might assume Fetch’s pet insurance coverage may be minimal since the company only offers a single insurance policy for both cats and dogs. In reality, Fetch’s standard policy offers more coverage and perks than many of its competitors.
For example, Fetch covers emergency vet visits at emergency clinics in the U.S. or Canada, so there are no out-of-network issues. Additional coverages include physical therapy, breed-specific issues and up to 90% coverage for orthopedists, cardiologists and other specialized care.
Best for flexibility: Spot
Spot enables Florida pet owners to personalize their pet’s coverage with two plans plus numerous options to adjust your costs.
Spot offers both accident-only and accident and illness plans, plus an optional preventive care plan for spaying or neutering, wellness or routine dental cleanings. You can add the Platinum Preventive Care plan to your base plan for $24.95 monthly and receive a $450 total annual benefit for routine care.
Spot also provides six annual coverage limits and five deductibles to help dial in your premiums and out-of-pocket expenses to meet your budget.
Get a free quote from Spot here today.
Best for dogs: AKC
The American Kennel Club (AKC) is the top pet insurance provider for Florida dogs for several reasons.
To begin with, unlike other pet insurance providers, AKC offers coverage for pre-existing conditions. You’re eligible for pre-existing conditions coverage once you have a continuous policy for 365 days.
Also, many pet insurance companies don’t offer accident-only coverage, but AKC does, along with accident and illness coverage. If a comprehensive accident and illness plan doesn’t fall within your budget, you can at least guard against the high costs you might face if your dog unexpectedly suffers an injury.
Finally, AKC Pet Insurance provides unique add-on policies for an extra cost. For example, breeding coverage extends to emergencies like a C-section or liver failure, while final expense coverage includes costs for burial, cremation and memorials.
Learn more about insuring your dog with AKC here.
Best for cats: Figo
Figo is an excellent choice to ensure your Florida cat at an affordable rate. For example, we received the following quotes for a three-year-old female mixed cat in Orlando:
- $7.07 per month: This value plan covers 70% of covered vet bills up to $10,000 annually, with a $500 deductible.
- $12.40 per month: For a little over $5 dollars, you can boost your coverage to 80% reimbursement of approved veterinary expenses up to $10,000 per year with a lower $250 deductible.
- $18.72 per month. For less than $20 per month, you’ll receive 90% coverage for approved vet medical costs with no coverage limits after you pay a $500 deductible.
Figo’s cat insurance coverage is comprehensive and includes customizable options for your coverage limit, deductible and reimbursement percentage to find the perfect balance of coverage and affordability.
Explore Figo’s pet insurance options today.
Best for quick reimbursement: Lemonade
Lemonade is the best pet insurance in Florida for reimbursing your upfront vet expenses.
The main benefit of pet insurance is to help you minimize and control out-of-pocket veterinary expenses, which may often be expensive. That’s why choosing a pet insurance provider that processes claims and reimburses you quickly is crucial.
Lemonade allows you to file a claim through its app. Your claim may be instantly approved, in which case Lemonade promises to pay the claim in seconds. If it’s not instantly approved, the AI program sends your claim to human representatives to manually process it.
Best for direct vet payments: Pets Best
As the best pet insurance carrier for direct vet payments, Pets Best can help you eliminate the hassle of reimbursements altogether. Instead of waiting for reimbursement, Pets Best can pay your vet directly for any claim reimbursement amount. This scenario works much like health care for humans. Best Pet pays your veterinary professional, so you don’t have to withdraw money from your bank or use a credit card to cover the bill.
To take advantage of the company’s Vet Direct Pay service, you must send a signed veterinarian reimbursement release form along with your completed claim. Upon approval of your claim, Pets Best will send your eligible reimbursement to your veterinarian. You may be responsible for paying for any amount not covered by your policy.
Learn more about Pets Best today.
Tropical Storm Sara made landfall in Belize on Sunday as forecasters expect heavy rain to cause life-threatening flash flooding and mudslides.
The storm made landfall near Dangriga, about 55 miles southeast of the capital Belmopan, the Miami-based National Hurricane Center said.
This comes after Sara drenched the northern coast of Honduras, where it stalled since Friday, swelling rivers and trapping people at home.
Moises Castillo / AP
One death was reported Saturday morning by Honduras Emergency Management, who also said that there have been at least 90 rescues and over 47,000 people affected by the storm.
The Hurricane Center’s tropical storm warning as of Sunday included Honduras’ Bay Islands as well as the country’s northern coast from Punta Castilla to its border with Guatemala; the Caribbean coast of Guatemala; Belize’s coast and northward into the coast of Mexico’s state of Quintana Roo, from Chetumal to Puerto Costa Maya.
The storm, which is moving at 6 mph, will continue to move inland over the Yucatan Peninsula and could drop up to 10 inches of rain across the area, with localized totals reaching 15 inches, through early next week. The conditions “will result in areas of flash flooding, perhaps significant, along with the potential of mudslides,” according to the Hurricane Center.
NOAA/National Hurricane Center
“A storm surge could raise water levels by as much as 1 to 3 feet above ground level near and to the north of where the center of Sara crosses the coast of Belize,” the center said Sunday. “Near the coast, the surge will be accompanied by large and destructive waves.”
Sara is the 18th named storm of the 2024 Atlantic Hurricane Season, which officially runs from June 1 until Nov. 30, with activity typically peaking between mid-August and mid-October. An average season brings 14 named storms, seven hurricanes, and three major hurricanes, according to the National Oceanic and Atmospheric Administration, which did predict the 2024 season would produce “above average” numbers.
A gold pocket watch given to the ship captain who rescued 700 survivors from the Titanic sold at auction for nearly $2 million, setting a record for memorabilia from the ship wreck.
The 18-carat Tiffany & Co. watch was given by three women survivors to Capt. Arthur Rostron for diverting his passenger ship, the RMS Carpathia, to save them and others after the Titanic struck an iceberg and sank in the north Atlantic on its maiden voyage in 1912.
Andrew Aldridge/Henry Aldridge and Son via AP
Auctioneers Henry Aldridge and Son, who sold the watch to a private collector in the United States on Saturday for 1.56 million British pounds, said it’s the most paid-for piece of Titanic memorabilia. The price includes taxes and fees paid by the buyer.
The watch was given to Rostron by the widow of John Jacob Astor, the richest man to die in the disaster and the widows of two other wealthy businessmen who went down with the ship.
Astor’s pocket watch, which was on his body when it was recovered seven days after the ship sank, had previously set the record for the highest price paid for a Titanic keepsake, fetching nearly $1.5 million (1.17 million pounds) from the same auction house in April.
Auctioneer Andrew Aldridge said the fact that Titanic memorabilia has set two records this year demonstrates the enduring fascination with the story and the value of the dwindling supply and high demand for ship artifacts.
“Every man, woman and child had a story to tell, and those stories are told over a century later through the memorabilia,” he said.
Rostron was hailed a hero for his actions the night the Titanic sank and his crew was recognized for their bravery.
Andrew Aldridge/Henry Aldridge and Son via AP
The Carpathia was sailing from New York to the Mediterranean Sea when a radio operator heard a distress call from the Titanic in the early hours of April 15, 1912 and woke Rostron in his cabin. He turned his boat around and headed at full steam toward the doomed vessel, navigating through icebergs to get there.
By the time the Carpathia arrived, the Titanic had sunk and 1,500 people perished. But the crew located 20 lifeboats and rescued more than 700 passengers and took them back to New York.
Rostron was awarded the U.S. Congressional Gold Medal by President William Howard Taft and was later knighted by King George V.
Madeleine Astor, who had been helped into a lifeboat by her husband, presented the watch to Rostron at a luncheon at her mansion on Fifth Avenue in New York.
The inscription says it was given “with the heartfelt gratitude and appreciation of three survivors.” It lists Mrs. John B. Thayer and Mrs. George D. Widener alongside Astor’s married name.
“It was presented principally in gratitude for Rostron’s bravery in saving those lives,” Aldridge said. “Without Mr. Rostron, those 700 people wouldn’t have made it.”
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