Best pet insurance in Florida (FL) in 2024

Pets Best is the best pet insurance company in Florida in 2024, according to our in-depth analysis of accident and illness plans.

With some Pets Best insurance plans, you can take advantage of optional direct veterinary payments, so you don’t have to file a claim and wait to be reimbursed.

Unlike some insurers, Pets Best allows you to enroll a pet for insurance at any age, although some pets with health issues may not qualify for full coverage.

Read our full Pets Best pet insurance review

Accident and illness plan

• Deductible: $50, $100, $200, $250, $500 or $1,000.
• Annual coverage limit: $5,000 or unlimited.
• Reimbursement percentage: 70%, 80% or 90%.

Accident-only plan

• Deductible: $250.
• Annual coverage limits: $10,000.
• Reimbursement percentage: 90%.

Wellness plans

• EssentialWellness: Offers up to $305 in wellness coverage per year.
• BestWellness: Offers up to $535 in coverage per year.

In Florida, an unlimited Pets Best accident and illness plan for dogs costs about $35 per month.

Pets Best offers the following pet insurance discounts in Florida:

• Multi-pet discount.
• Discount for qualifying veterinary staff.

In general, Pets Best insurance company has strong reviews. Its score on Trustpilot is 4 out of 5 (great) based on about 4,500 reviews. Customers praised how easy it was to submit a Pets Best dog insurance claim through the pet insurance company, and the negative complaints tended to be misunderstandings about preventative care coverage.

Embrace is the only Florida pet insurance company in our rating that offers a diminishing deductible. For each year you go without filing a claim, your deductible will be reduced by $50. That means if you have a $100 deductible and go without a claim for two years, you could get down to $0 deductible without it affecting your rates.

The cost of Embrace pet insurance plans is higher than many of the companies in our analysis. However, Embrace covers more advanced treatments than many competitors, such as services for rehabilitative therapy and prosthetic devices.

Accident and illness plan

• Deductible: $100, $250, $500, $750 or $1,000.
• Annual coverage limit: $5,000, $8,000, $10,000, $15,000 or unlimited.
• Reimbursement percentage: 70%, 80% or 90%.

Accident only plan

• Deductible: $100.
• Annual coverage limit: $5,000.
• Reimbursement percentage: 90%.

Wellness plan

You can choose an allowance of $250 to $650 per year to reimburse you for eligible preventative care expenses, such as vaccinations, bloodwork and dental cleanings.

Pet insurance with Embrace costs an average of $42 per month for a dog in Florida, according to our analysis of rates.

In Florida, Embrace offers the following pet insurance savings:

• 10% multi-pet discount.
• 5% military discount for active service members and veterans.

Embrace has positive customer reviews and has a 4.2 out of 5 score on Trustpilot (great) based on more than 3,700 reviews. Some reviewers comment on the efficiency of the Embrace pet insurance claim process.

Lemonade pet insurance has the cheapest average monthly rate in Florida, according to our analysis. Its plans offer some of the fastest claims response and reimbursement in the industry. Most pet owners can file a claim online and get it approved in seconds. Some claims can take longer if a company representative has to process them.

Accident and illness plan

• Deductible: $100, $250 or $500.
• Annual coverage limit: $5,000, $10,000, $20,000, $50,000 or $100,000.
• Reimbursement percentage: 70%, 80% or 90%.

Wellness plan

Lemonade’s preventive care plan in Florida will cover vaccines, microchipping, spay or neuter surgery, two wellness visits, plus, flea, tick and heartworm preventives.

Optional riders

There are several add-ons available through Lemonade in Florida:

• Vet visit fees.
• Dental illness.
• Physical therapy.
• Behavioral conditions.
• End-of-life and remembrance.

Pet insurance with Lemonade costs an average of $20 per month for a dog in Florida, according to our rate analysis.

• 5% discount when insuring multiple pets.
• 5% annual discount.
• 10% discount if you bundle a pet insurance plan with home or renters insurance from Lemonade.

With more than 1,800 reviews, Lemonade has an excellent score on Trustpilot with 4.4 out of 5 stars (excellent), but this is for all insurance products the carrier offers. While many pet insurance reviews are positive, some say Lemonade will not cover any type of pre-existing condition if your pet has been seen at any point in its life, even if the vet proves it’s not the same condition causing the symptom. One example includes diarrhea, which is a common curable pre-existing condition other carriers will cover after a specific period being symptom- and treatment-free.

Healthy Paws has the best flexible pet insurance in Florida because you’re not locked into the same deductible and reimbursement percentage choices you made at enrollment. You can make adjustments at any time.

In addition to offering some of the cheapest pet insurance in Florida, Healthy Paws covers alternative treatments, including acupuncture and hydrotherapy.

Accident and illness plan

• Deductible: $100, $250 or $500.
• Annual coverage limit: Unlimited.
• Reimbursement percentage: 70%, 80% or 90%.

Healthy Paws covers alternative care treatments in Florida. These treatments include acupuncture, chiropractic care, hydrotherapy, laser therapy, homeopathy and veterinary herbal therapy. However, the company does not offer an accident-only policy or a wellness plan add-on option.

Healthy Paws charges an average of $28 per month for an unlimited accident and illness policy for a dog in Florida.

Healthy Paws does not offer any discounts for Florida pets, according to its website.

Healthy Paws scored 4.3 out of 5 stars (excellent) with TrustPilot, based on about 2,200 customer reviews. This is classified as an “excellent” score. Many reviews note that Healthy Paws is communicative, responsive and quick when filing a claim.

Fetch is the best pet insurance company for military discounts because active and retired service members in Florida can save 10% on their monthly pet insurance premiums.

Although Fetch doesn’t offer a wellness plan, its comprehensive pet insurance coverage has several valuable extras. Its accident and illness plan covers virtual and in-home visits, exam fees for illnesses, aggression and separation anxiety treatment and boarding and advertising for lost pets with a reward.

Accident and illness plan

• Deductible: $300, $500 or $700.
• Annual coverage limits: $5,000, $10,000 or 15,000.
• Reimbursement percentage: 70%, 80% or 90%.

In Florida, the average cost of an unlimited Fetch accident and illness plan for a dog is $48 per month.

In Florida, the following discounts are available through Fetch pet insurance:

• 10% savings for active duty military and veterans.
• If you don’t reach your deductible in a policy year, you can save up to 15% on premiums, and if you go two years you can save up to 30% with the Healthy Pet Credit.

Fetch pet insurance has earned the carrier an excellent rating on Trustpilot. After more than 2,100 reviews, Fetch has 4.3 out of 5 stars.

Many reviewers remark on positive customer service experiences and an easy claims process. However, some complain about not getting the right reimbursement for claims, long processing times and high premiums for little added benefit.

Figo is the best pet insurance company in Florida for fast accident coverage. When you get a Figo pet health insurance plan, you only have a one-day waiting period for accidents before coverage begins. The waiting period for illness is 14 days.

Figo is also one of the few pet insurance companies in Florida that offers a 100% reimbursement option.

Accident and illness plan

• Deductible: $100, $250, $500 or $750.
• Annual coverage limit: $5,000, $10,000 or unlimited.
• Reimbursement percentage: 70%, 80%, 90% or 100%.

Wellness plan

Figo offers a wellness plan in Florida that reimburses you for vaccines and routine care.

Optional riders

• Veterinary exam fees: Provides coverage for exam fees related to the diagnosis and treatment of covered conditions.
• Extra care: Covers pet-related expenses such as rewards for lost pets and vacation cancellations due to a pet’s illness.

An unlimited accident and illness plan through Figo costs about $40 per month to insure a dog in Florida.

Florida pet owners can take advantage of the following Figo discounts:

• 5% multi-pet discount.

Figo has a score of 4 out of 5 (great) on Trustpilot based on more than 1,900 reviews. While that’s lower than some of the companies in our rating, many of the complaints focused on annual premium increases. Unfortunately, it’s normal for pet insurance companies to raise rates as pets age, as older pets are more likely to develop health issues.