BEST PET INSURANCE / FLORIDA
Best Pet Insurance in Florida in 2025
Reviewed by Kari Steere, Insurance Producer Licensed in FL
Updated 2025 | 5 min read
See which pet insurance company is best for your unique pet in just 2 minutes.
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What is the Best Pet Insurance in Florida — for You?
Good pet insurance coverage in Florida will likely cover common pet health risks unique to The Sunshine State — like parvovirus, respiratory illnesses, marijuana poisoning, and diabetes treatment.
The “best pet insurance” depends on your pet’s breed-specific health needs and your preferred coverage range, budget, customer service expectations, and more.
Get unbiased, personalized recommendations with Pawlicy Advisor to find coverage that best fits your pet and see why we’re recommended by thousands of vets.
Why Trust Us
At Pawlicy Advisor, we analyze top pet insurance companies and provide objective breakdowns. We do not get paid to promote one company over another.
A licensed insurance advisor has fact-checked everything below and the American Animal Hospital Association recommends Pawlicy Advisor as the Preferred Business Provider for pet insurance. Learn more about our methodology.
Compare Top Pet Insurance Companies in Florida
Policy Highlights
Covers testing & treatment for new accidents & illnesses, exam fees, Rx food & meds, dental conditions, and more
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How to Find Pet Insurance in Florida
1. Know your pet’s breed-specific risks
Confirm your policy will offer the right protection.
2. Customize your policy terms
Select a reimbursement rate, coverage limit, and deductible that fits your lifestyle and your budget.
3. Compare quotes and fine-print
Check rates, requirements, and exclusions to make sure you get a good deal on the right coverage.
How Pawlicy Advisor Makes it Easy
Rather than comparing pet insurance companies one by one, Pawlicy Advisor shows you quotes from top companies all in one place with breed-specific advice.
- Personalized recommendations
- Top companies side-by-side
- Compare coverage vs. lifetime value
The Real Cost of Pet Insurance in Florida
The average cost of pet insurance in Florida is $65/mo for dogs and $35/mo for cats. Your pet’s age, breed, location, and policy coverage determine your premium rate (which you can pay monthly or annually).
Veterinary fees and pet insurance premiums vary depending on whether you live in a vacation hotspot like Miami or an urban city like Orlando. Pawlicy Advisor lets you instantly compare quotes from top companies side-by-side.
See how much pet insurance costs in your FL zip code.
Real Examples of Florida Pet Insurance Costs in Top Cities
See how pet insurance prices can vary by breed, age, and location in the examples below.
German Shepherd
Miami $49-$87/mo
Orlando $49-$76/mo
Brevard County $52-$71/mo
Miami $23-$42/mo
Orlando $22-$34/mo
Brevard County $23-$34/mo
Labrador Retriever
Miami $50-$100/mo
Orlando $49-$76/mo
Brevard County $52-$87/mo
*The average monthly costs above are based on an 80% reimbursement rate, unlimited annual coverage, and a $500 deductible. Premiums vary by location and breed.
Is Florida Pet Insurance Worth the Cost?
Pawlicy Advisor works directly with veterinary clinics throughout the Sunshine State to give you the most up-to-date information, and vets want you to know that 1 in 3 pets will require emergency care each year.
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“For many Floridians, pet insurance is worth it if you can afford it. Dogs, in particular, see 4% lower pet insurance premiums in Florida than the national average. ”
Chief Medical Officer Richard Walther, DVM
Don’t let the cost of treatment determine the care your pet receives. After surveying more than 20,000 pet parents, we found that 4 out of 5 couldn’t afford an unexpected $5,000 veterinary bill without pet insurance.
Pet insurance can reimburse 70%-100% of vet bills (after meeting your deductible). Getting pet insurance in Florida can help you manage care costs without thinking twice about it at the vet’s office.
“Pawlicy Advisor’s free pet insurance comparison tool highlights potential conditions and injuries your dog or cat might be susceptible to, so you know how much coverage you need before you make a purchase.” - Dr. Ricky Walther, DVM
Common Vet Visit Costs Unique to Florida
Parvovirus
$300-$4,000
Respiratory Illnesses
$500-$3,000
Diabetes Treatment
$1,600-$2,900
Pet Insurance Coverage in Florida
All the pet insurance plans in our marketplace include accident and illness coverage, and some have the option to add wellness plans to cover routine care. While pet insurance coverage varies by state, based on specific legislation and underwriting, we’ve outlined common coverage below to help you get started.
Often Covered
Sometimes Covered
Not Covered
Routine Care Covered by Wellness Plans
Wellness plans vary by company and can include benefits for everyday vet visits, dental care, vaccinations, grooming, and more. When added to your pet insurance policy in Florida, wellness coverage can cost anywhere from $15 to $30 a month.
Save Hours with Pet Insurance Recommendations Tailored to Your Pet
Pawlicy Advisor’s vet-approved guidance will help you find a golden plan in the Sunshine State today — for free.
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