Compare the Best Pet Insurance Companies in Florida
The Best Pet Insurance Companies in Florida
How Much Does Pet Insurance Cost in Florida?
Pet insurance in Florida costs an average of $47 for a dog and $24 per month for a cat, according to our analysis of pet insurance costs. That’s for a policy with $5,000 of annual coverage, a $250 deductible and 80% reimbursement level. A policy with unlimited annual coverage, a $250 deductible and 80% reimbursement level costs an average of $80 per month for a dog and $41 per month for a cat in Florida.
Cost of Pet Insurance for Dogs in Florida
Cost of Pet Insurance for Cats in Florida
How To Find the Best Pet Insurance in Florida
When you’re comparing your insurance options, you may be looking for the cheapest pet insurance policy. Before you go for the cheapest option, see if the policy has these features.
Veterinary Costs in Florida
Although the average vet visit cost in Florida is $47 for dogs, if your pet has additional healthcare needs, like blood tests and vaccines, costs will be higher. Here’s a look at vet visit costs in selected cities in Florida.
| City | Average Cost For A Veterinary Visit For One Dog | Average Cost For A Veterinary Visit With Additional Dog | Total Cost For A Veterinary Visit With Two Dogs |
|---|---|---|---|
| Fernandina Beach | $67 | $52 | $119 |
| Fort Lauderdale | $65 | $51 | $116 |
| Hialeah | $65 | $51 | $116 |
| Miami | $72 | $56 | $128 |
| Orlando | $68 | $53 | $121 |
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Methodology
To find the best Florida pet insurance we scored each company based on the following:
- Pet insurance rates (40% of score): We calculated average rates in Florida for medium sized mixed breed dogs age 3 months, 2 years, 5 years and 7 years for plans with unlimited coverage, a $250 deductible and a 80% reimbursement level, or the closest options available.
- Special waiting period (10% of score): Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period, a waiting period of fewer than six months or the ability to have the waiting period waived scored higher.
- Direct payment to vet (10% of score): Pet insurance companies that have the ability to pay a vet directly earned points.
- 24/7 vet health line (10% of score): Insurers that provide access to a 24/7 vet health line earned points.
- Routine wellness plans (10% of score): Insurers that offer optional wellness plans earned points.
- Pays veterinary exam fees (10% of score): Plans that cover the vet exam fee received points. Not all insurers cover exam fees, even if the fee is for an illness or accident-related visit.
- Euthanasia or end of life expenses (5% of score): Insurers that cover end of life expenses, such as euthanasia, cremation or burial fees, received points.
- Multipet discount (5% of score): Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multipet discount earned points.
Florida Pet Insurance FAQs
Is pet insurance more expensive in Florida?
Florida has cheaper average pet insurance compared to other states such as California, Georgia and Illinois.
But pet owners in Arizona, Connecticut and Massachusetts will pay more.
What is the cheapest pet insurance in Florida?
The lowest average insurance price for dogs in Florida, among the companies in our analysis. Its cost averages $25 per month for dogs for unlimited coverage.
For cats, ManyPets has the cheapest Florida pet insurance, at an average of $15 per month for unlimited coverage.
Is pet insurance worth it in Florida?
The best way to determine if pet insurance is worth it is to examine how a large vet bill could cause a major money issue. For example, if you’ve been paying about $50 per month for pet insurance for three years, you’ve paid $1,800 in pet insurance costs.
Let’s say your dog develops a severe medical condition and treatment costs $3,500. If you have a $250 deductible and 80% reimbursement level, your out-of-pocket cost for the vet would be $900 ($250 deductible + 20% of $3,250 = $900). Adding up the premium for three years and what you’ve paid toward treatment, you’ve paid $2,700 and saved $800 by having pet insurance.
