The Best Pet Insurance in Florida in 2025
Pets Best and Spot lead Florida’s budget-friendly options.
Excellent
)
)
Edited byNick Versaw
)
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
)
Reviewed byJohn Leach
)
John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
Updated
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
When your furry friend needs medical care in the Sunshine State, you want protection that won’t throw a wrench in your finances. Florida’s year-round outdoor activity, wildlife encounters, potential water hazards, and new regulations protecting pet parents make pet insurance especially important in the state.
On average, pet insurance costs $42 per month for dogs and $21 for cats in Florida, according to our data. But your personal rates depend on your pet’s age, its breed, and the coverage level you choose.
Our top picks for Florida pet insurance are Lemonade, Pets Best, and Figo. These companies stand out for their competitive rates, comprehensive coverage, and unique benefits, like unlimited payouts and bundling discounts.
Let’s dive into what makes these insurers the best choices for Florida pet parents.
What You Need to Know About Pet Insurance in Florida
Average costs: Dogs cost an average of $42 per month to insure, and cats average $21.
Cheapest options: Pets Best for dogs, Pets Best for cats
New regulations: Starting Jan. 1, 2026, Florida will require insurers to clearly disclose pre-existing condition exclusions and waiting periods.[1]
30-day review: Pet insurers must allow policy returns with full refunds if pet parents don’t file a claim during the 30-day review period.[2]
Find Affordable Pet Insurance
Comparing quotes from top insurers could save you up to 57%.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Compare Pet Insurance Companies in Florida
The table below compares five leading pet insurance companies across key metrics like monthly premiums for dogs and cats, pre-existing condition coverage, and unique features. Each company offers different strengths depending on your pet’s needs and your budget.
 |  |  |  |  |
|---|---|---|---|---|
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $50–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Our Picks for the Best Pet Insurance Companies in Florida
Pet insurance isn’t one-size-fits-all. Every pet parent has different priorities, from budget constraints to specific coverage needs. Some want the lowest monthly premium, while others prioritize unlimited benefits or coverage for hereditary conditions.
We selected the below pet health insurance companies based on what matters most to Florida pet owners. Each insurer excels in different areas, giving you options whether you have a young mixed breed or a senior purebred.
Here are our top recommendations for Florida pet insurance:
Lemonade: Best overall
Pros
Discount available for bundling with home, renters, or auto
Paid-in-full discount available
Donates excess revenue to non-profits
Cons
Behavioral coverage only with add-on
Doesn’t cover alternative therapies
Not available in every state
Lemonade combines affordable rates with modern technology and social responsibility. This digital-first insurer had the overall best combination of cheapest rates across a variety of pet profiles and good coverage options, according to our research.
Plus, its giveback program donates unused premium money to animal charities, making Lemonade a favorite among socially conscious pet parents.
Pets Best: Best for dogs
Pros
No upper age limit for enrollment
Acupuncture care coverage available
Unlimited coverage option available
Cons
No 100% reimbursement
Doesn’t cover behavioral conditions
Relatively low multi-pet discount
Pets Best shines for dog owners in Florida with some of the cheapest average rates for dogs, according to our data. This is especially true for young dogs and purebreds.
It also has competitive coverage options, being one of the few insurers that offer unlimited annual coverage. Plus, Pets Best will enroll senior pets without age restrictions.
Its coverage includes alternative therapies like acupuncture, which many competitors exclude.
Figo: Best for cats
Pros
No upper age limit for new policies
Multiple reimbursement and deductible options
24/7 virtual vet visits included
Cons
Mixed customer reviews about claims
No coverage for prescription food
Relatively low multi-pet discount
Figo delivers exceptional value for cat owners with some of the cheapest average rates, according to our datas. Plus, Figo offers generous payout limits compared to many insurers.
Its free virtual vet consultations are perfect for quick questions about your cat’s health. And the flexible deductible and reimbursement options let you customize coverage to fit your budget.
Spot: Best for senior cats and dogs
Pros
No age restrictions
Optional wellness plans available
Multiple deductible and reimbursement options
Cons
No 100% reimbursement option
14-day waiting period for accidents
No direct payment to veterinarians
Spot specializes in covering older pets.. It has an unlimited payout option and covers curable pre-existing conditions. Plus, it’llll cover curable pre-existing conditions if your pet remains symptom- and treatment-free for 12 months.
On top of that, it offers some of the best rates available for older cats and dogs, according to our data.
Its optional wellness plans help cover routine care costs, like parasite treatments, making it ideal for older pets needing regular checkups.
Healthy Paws: Best for unlimited coverage
Pros
Unlimited annual and lifetime payouts
Quick claims processing
Covers hereditary and congenital conditions
Cons
Won ’t issue policies to older pets
Doesn’t offer wellness plan
No coverage for exam fees
Healthy Paws offers truly unlimited coverage on every policy, meaning no annual or lifetime caps on payouts. It has unlimited coverage for every single plan. It also offers some of the cheapest rates, especially for younger dogs, according to our data.
Plus, its streamlined claims process typically sends reimbursements within days, not weeks.
The Cheapest Pet Insurance Companies in Florida
Pet insurance rates vary significantly between companies due to factors like different pricing algorithms, coverage levels, and business models. Some insurers focus on basic accident coverage to keep costs low, while others include comprehensive illness protection that increases premiums.
The table below shows companies with the most affordable average rates for dogs and cats in Florida, according to our data.
The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Pets Best | $18 | $10 |
| Spot | $23 | $11 |
| Lemonade | $28 | $16 |
| ASPCA | $34 | $16 |
| Prudent Pet | $51 | $25 |
| Figo | $57 | $33 |
| Pumpkin | $67 | $29 |
Florida Pet Insurance Laws and Requirements
)
Florida recently became one of 14 states with specific pet insurance regulations. The Pet Insurance Act, which the governor signed into law in early 2025, takes effect Jan. 1, 2026.[1]
Here’s an overview of the key points:
Clear disclosure: Companies must explain waiting periods and exclusions for pre-existing and chronic conditions up front.
30-day review period: Within 30 days, pet parents can cancel policies for full refunds if they don’t file any claims.
Separate wellness programs: Wellness benefits must be distinct from insurance policies. And insurers can’t require pet parents to buy them in order to get insurance.
Medical exam disclosure: Insurers must explain costs and requirements if they mandate pre-purchase vet exams.
No renewal exams: Companies can’t require medical exams for policy renewals.
While the new law adds important protections for pet parents, state and local laws also encourage responsible pet ownership.
Pet parent responsibilities in Florida include:
Rabies vaccination: This is a requirement for dogs, cats, and ferrets older than 4 months.[3]
Leash laws: Most counties require pets on leashes no longer than 6 feet in public spaces.
Strict liability: Dog owners are responsible for bite damages regardless of the dog’s history.[4]
Compare Florida Pet Insurance Quotes
Customize your policy and protect your best friend in minutes.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
How to Pick the Right Florida Pet Insurance Company for You
)
Finding the best pet insurance in Florida requires matching your needs with the right coverage. Start with these steps:
Understand budget and needs. Determine how much you can afford monthly and what coverage matters most for your pet’s breed, age, and health.
Research Florida-specific factors. Consider year-round outdoor activity, wildlife encounters like venomous snakes, alligators, and cane toads, and hurricane season risks that might affect your pet. Be sure to compare reimbursement rates, policy limits, deductibles, and customer reviews.
Compare multiple quotes. Get personalized quotes from at least three companies since rates can vary significantly based on your pet’s profile.
Review policy details carefully. Check waiting periods, pre-existing condition rules, and whether the policy gives you an option to pay the vet directly. If you purchase preventive care, be sure you know what it will cover, such as vaccinations or flea and tick treatment.
Consider Florida’s new regulations. Take advantage of the 30-day review period to ensure the policy meets your expectations.
)
Pet Insurance Terms: A Full Glossary of Everything You Should Know
Florida Pet Insurance FAQs
With plenty of warm, sunny weather year-round, Florida can be a great home for pets. Having the right pet insurance policy in place can help ensure your pet stays healthy and safe.
Here are answers to some common pet insurance questions to help you make informed decisions about protecting your furry family members.
What’s the best pet insurance in Florida?
No single company works best for every pet parent. Lemonade offers the best overall value, while Pets Best excels for dogs and Figo leads for cats. Your best choice depends on your pet’s age, its breed, and your coverage priorities.
What is the average cost of pet insurance in Florida?
Pet insurance in Florida averages $42 per month for dogs and $21 for cats, according to our data. But rates can vary quite a bit depending on your dog’s age, breed, and other factors.
For example, monthly premiums for senior dogs typically cost $104, while senior cats average $59.
Is pet insurance expensive in Florida?
Yes. Florida pet insurance costs run slightly higher than neighboring states due to high veterinary costs, year-round outdoor pet activity, risks of overheating, and wildlife exposure risks. The tropical climate and unique hazards like venomous snakes, alligators, and toxic cane toads increase insurance risks.[5] [6]
Is pet insurance worth it in Florida?
Yes. Pet insurance makes sense for most Florida pet owners, given the state’s unique risks. Year-round outdoor activity increases injury and heat risks, while wildlife encounters and saltwater poisoning create additional hazards.
The new state regulations also provide better consumer protections than many other states.
What does pet insurance cover in Florida?
Florida pet insurance typically covers accidents, illnesses, hereditary conditions, and emergency care. Some policies also include wellness coverage for routine care (at an extra cost). New state regulations ensure clear disclosure about what policies exclude, like pre-existing conditions and chronic conditions.
Disclaimer
Our editorial team created this article with the help of highly trained generative AI tools. That said, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all of the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Sources
- Florida House of Representatives. "FLORIDA HOUSE OF REPRESENTATIVES FINAL BILL ANALYSIS."
- Florida House of Representatives, Insurance & Banking Subcommittee. "Bill Summary Report."
- Hillsborough County, Florida. "Commonly Cited Animal Ordinances."
- Online Sunshine. "The 2024 Florida Statutes (including 2025 Special Session C)."
- Spot Pet Insurance. "Pet Insurance in Florida."
- Figo. "Pet Insurance in Florida."
