Best Pet Insurance Florida

If you want the best care available for your pet, consider Figo Pet Insurance. Its top-tier insurance plan does not have an annual limit for treatment. In comparison, some other pet insurance plans set a limit per year. Even Figo Pet Insurance’s low-cost plan offers coverage up to $5,000 per year. That’s reasonably high versus other low-cost plans. 

Figo Pet Insurance has no bilateral clause and will cover some conditions on one side even if the same condition already occurred on the other, after a waiting period. For example, if your dog has problems with its right hip, Figo Pet Insurance would still cover future issues with the left hip six months after you enroll. Other insurers commonly exclude bilateral conditions.

Figo does have a few minor drawbacks. It doesn’t cover birds or exotic animals and you may find cheaper pet insurance options elsewhere. But the company delivers comprehensive coverage and good customer experience at a good value, making Figo the best pet insurance in Florida.

We priced Florida pet insurance plans based on the 33311 ZIP code:

• 9-year-old dog: For a nine-year-old female mixed breed weighing 65 pounds with no pre-existing conditions, $26.42 per month with a $1,500 deductible and $5,000 annual coverage limit to $321.17 per month with a $100 deductible and no annual coverage limit
• 9-year-old cat: For a nine-year-old male domestic shorthair weighing 12 pounds with no pre-existing conditions, $9.93 per month with a $1,500 deductible and $5,000 annual coverage limit to $120.72 per month with a $100 deductible and no annual coverage limit

• Veterinary exam fees and wellness coverage
• Mobile app for claims and records
• Personalized pet tags

If your pet has a pre-existing condition that is considered cured, ASPCA could be a good fit for your coverage. Its policies start covering most “cured” pre-existing conditions after six months of no symptoms. Some other insurers require a waiting period of one year.

ASPCA pet insurance plans include coverage for medical exams, medication, behavioral problems, and rehab, meaning you won’t have to add any of these as add-ons. It also has a reasonable 14-day waiting period for illness coverage. However, plans don’t cover cured ligament and knee conditions.

We priced Florida pet insurance plans based on the 33311 ZIP code:

• 9-year-old dog: For a nine-year-old female mixed breed weighing 65 pounds with no pre-existing conditions, $63.84 per month with a $500 deductible and $2,500 annual coverage limit to $220.13 per month with a $100 deductible and $10,000 annual coverage limit
• 9-year-old cat: For a nine-year-old male domestic shorthair weighing 12 pounds with no pre-existing conditions, $24.58 per month with a $500 deductible and $2,500 annual coverage limit to $94.42 per month with a $100 deductible and $10,000 annual coverage limit

• Microchip implementation
• Alternative therapies like acupuncture and chiropractic care

Most pet insurance companies require that puppies and kittens are at least eight weeks old before extending coverage. Embrace, on the other hand, will cover animals as young as six weeks old. Embrace’s pet insurance policies do a good job of balancing coverage with reasonable premiums and out-of-pocket costs. 

Embrace’s plans also include coverage for exams, dental, and prescriptions, as well as a 24/7 vet service hotline. But Embrace does not offer illness coverage for animals over the age of 14 (only accident coverage is available). The company requires a six-month waiting period before it covers orthopedic care for dogs, unless your dog is cleared by an orthopedic exam when you first buy your policy.

We priced Florida pet insurance plans based on the 33311 ZIP code:

• 9-year-old dog: For a nine-year-old female mixed breed weighing 65 pounds with no pre-existing conditions, $35.70 per month with a $1,000 deductible and $5,000 annual coverage limit to $155.60 per month with a $100 deductible and $30,000 annual coverage limit
• 9-year-old cat: For a nine-year-old male domestic shorthair weighing 12 pounds with no pre-existing conditions, $14.57 per month with a $1,000 deductible and $5,000 annual coverage limit to $63.52 per month with a $100 deductible and $30,000 annual coverage limit

• Optional wellness plan to cover preventive and routine care

With most pet insurance plans, you must pay your vet’s bill first before getting reimbursed by your insurer. This means draining your savings or carrying a balance on your credit card. Pets Best’s insurance plans will pay your vet directly. Your vet will submit a form to your insurer for payment. You only pay out of pocket later if you owe anything beyond what your insurance plan pays, like for the deductible or unreimbursed costs.

Pets Best’s plans offer decent coverage, including plans with no annual limit. But plans do have some restrictions. If your pet had a previous illness or injury, Pets Best won’t cover the condition until it’s symptom-free for at least 18 months. Pets Best also does not generally cover bilateral conditions. Last, it doesn’t give many discounts for its plans. It only offers one for covering multiple pets.

We priced Florida pet insurance plans based on the 33311 ZIP code:

• 9-year-old dog: For a nine-year-old female mixed breed weighing 65 pounds with no pre-existing conditions, $33.24 per month with a $1,000 deductible and $5,000 annual coverage limit to $189.24 per month with a $100 deductible and no annual coverage limit
• 9-year-old cat: For a nine-year-old male domestic shorthair weighing 12 pounds with no pre-existing conditions, $13.73 per month with a $1,000 deductible and $5,000 annual coverage limit to $78.19 per month with a $100 deductible and no annual coverage limit

• Wellness plan for vet visits, dental cleanings, and vaccines

Nationwide may be your best option in Florida for bird pet insurance or exotic pet insurance. It’s one of the few insurers in the state that covers animals besides dogs and cats. Its plans include preventive care for checkups and vaccinations. Nationwide also does a good job covering “cured” pre-existing conditions. It will cover most conditions six months after the pet no longer shows systems.

If you use Nationwide for your car, homeowners, or other insurance, you qualify for an extra 5% discount on its animal health insurance policies. But note that Nationwide will not cover pets over 10 years old. Nationwide also requires a 14-day waiting period to cover injuries, which is long, relative to other top pet insurance companies.

We priced Florida pet insurance plans based on the 33311 ZIP code:

• 9-year-old dog: For a nine-year-old female mixed breed weighing 65 pounds with no pre-existing conditions, $104.19 per month with a $250 deductible. Annual coverage limits apply to each condition/disease rather than the overall plan.
• 9-year-old cat: For a nine-year-old male domestic shorthair weighing 12 pounds with no pre-existing conditions, $37.58 per month with a $250 deductible. Annual coverage limits apply to each condition/disease rather than the overall plan. We were also quoted a plan for $69.14 per month with a $250 deductible and $10,000 annual coverage limit.

• Wellness exams and vaccines included
• Flea control
• Microchipping

Prudent Pet Insurance has by far the fastest claim reimbursement process for Florida pet insurance. Once you file a claim, the company typically pays you back within one to three days. It says it processes 75% of claims within 24 hours. In addition, it offers plans with no annual coverage limit. Last, Prudent Pet Insurance enrolls animals with no maximum age limit.

Prudent Pet Insurance does not offer a mobile app, a feature common with most insurers. Instead, you need to submit claims by email, mail, fax, or the company's online portal.

We priced Florida pet insurance plans based on the 33311 ZIP code:

• 9-year-old dog: For a nine-year-old female mixed breed weighing 65 pounds with no pre-existing conditions, $131.66 per month with a $1,000 deductible and $10,000 annual coverage limit to $617.01 per month with a $100 deductible and no annual coverage limit
• 9-year-old cat: For a nine-year-old male domestic shorthair weighing 12 pounds with no pre-existing conditions, $73.20 per month with a $1,000 deductible and $10,000 annual coverage limit to $343.04 per month with a $100 deductible and no annual coverage limit

• Optional vet exam coverage
• Optional wellness coverage

USAA does not sell its own pet insurance. Instead, it partners with Embrace, another top-tier pet insurance company in Florida. USAA members get access to the same high-quality insurance plans from Embrace but with an extra discount. You qualify for up to 15% off the Embrace premiums automatically as a USAA member. If you have multiple pets, are on active duty, or are a veteran, the discount could increase to 25%. 

Embrace’s plans are especially good for covering puppies and kittens, ranking as the best in the state in this category. With the USAA discount, these plans look even better. The main drawback is you must qualify for USAA membership to use this program. To join USAA, you must be a military service member or a veteran. You could also join as the spouse or child of a USAA member. 

We priced Florida pet insurance plans based on the 33311 ZIP code:

• Up to 25% off any Embrace plan

• Optional wellness plan to cover preventive and routine care

AKC Pet Insurance could be the best value if your pet has a pre-existing condition that is chronic. It will start covering vet bills for that pre-existing condition after you’ve had the policy for 12 months. While that’s still a long stretch where you pay out-of-pocket, other insurers might never cover that pre-existing condition unless your pet fully recovers first. AKC Pet Insurance also reimburses claims quickly, within five days, and has plans with no annual coverage limit.

We priced Florida pet insurance plans based on the 33311 ZIP code:

• 3-year-old dog: For a three-year-old female mixed breed weighing 35 pounds with no pre-existing conditions, $76.28 per month for an unlimited plan with a $100 deductible and 90% reimbursement
• 9-year-old dog: AKC did not provide an online quote for a nine-year-old female mixed breed weighing 65 pounds with no pre-existing conditions.
• 3-year-old cat: For a three-year-old male domestic shorthair weighing 12 pounds with no pre-existing conditions, $10.44 for a $1,000 deductible, 70% reimbursement plan with $2,500 in annual coverage to $48.13 for a $100 deductible unlimited plan with 90% reimbursement
• 9-year-old cat: AKC did not provide an online quote for a nine-year-old male domestic shorthair weighing 12 pounds with no pre-existing conditions.

• Preventive care for a charge
• Hereditary condition coverage
• Breeding
• Final expenses