Lemonade is the best pet insurance company in Florida, ranking highest for dogs and tying for the top spot for cats. Spot matches Lemonade's excellence in cat coverage, making both companies strong choices for cat insurance. AKC, Pumpkin and Pets Best are also reliable providers in the state.
Best Pet Insurance in Florida
Updated: September 12, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade and Spot offer the best pet insurance in Florida, with plans starting at $6 per month. These providers balance competitive pricing with excellent customer service.
For the cheapest pet insurance in Florida, Lemonade offers dog coverage at $58 monthly, while Pumpkin provides cat coverage at $24 per month.
Compare insurance providers to find coverage matching your pet's needs and your budget.
Best Pet Insurance Companies in Florida
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | 4.50 | $58 |
| AKC | 4.40 | $70 |
| Pets Best | 4.05 | $71 |
| Spot | 3.85 | $75 |
| ASPCA | 3.80 | $67 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate for Dogs
$58Average Monthly Rate for Cats
$28Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in Florida, while Lemonade and Pets Best are top picks for select breeds. Below, you can review which companies are best for your dog in the state.
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Breed:Affenpinscher
| Pets Best | 4.35 | $31 |
| AKC | 4.35 | $61 |
| Lemonade | 4.25 | $36 |
| Rainwalk | 4.2 | $63 |
| Spot | 4 | $53 |
Best Pet Insurance by Cat Breed
Our research shows AKC dominates the best pet insurance rankings for cat breeds in Florida, offering superior coverage across breeds. Below, you can review which companies are best for your cat breed in the state.
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Breed:Abyssinian
| AKC | 4.5 | $45 |
| Rainwalk | 4.4 | $45 |
| Lemonade | 4.35 | $29 |
| Pets Best | 4.3 | $37 |
| Spot | 4.2 | $34 |
Cheapest Pet Insurance in Florida
In Florida, Lemonade provides the cheapest pet insurance for dogs at $58 per month or $702 per year. For cats, Pumpkin offers the most affordable coverage at $24 monthly or $293 annually.
Data filtered by:Results filtered by:
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Lemonade | $58 | $702 | -27% |
| ASPCA | $67 | $806 | -17% |
| AKC | $70 | $844 | -13% |
| Pets Best | $71 | $853 | -12% |
| Pumpkin | $71 | $854 | -12% |
| Met Life | $72 | $865 | -11% |
| Liberty Mutual | $73 | $880 | -9% |
| Spot | $75 | $899 | -7% |
| Figo | $79 | $955 | -1% |
| Hartville | $79 | $951 | -2% |
| Rainwalk | $89 | $1,066 | 10% |
| Embrace | $96 | $1,153 | 19% |
| Nationwide | $118 | $1,417 | 47% |
| Fetch | $119 | $1,430 | 48% |
Cheapest Florida Pet Insurance by Dog Breed
In Florida, Lemonade, Pumpkin and Pets Best provide the most affordable dog insurance across breeds, with plans starting at $19 per month.
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Breed:Affenpinscher
| Pets Best | $31 | $381 | -48% |
| Lemonade | $36 | $429 | -42% |
| Pumpkin | $42 | $507 | -31% |
| ASPCA | $47 | $569 | -23% |
| Spot | $53 | $637 | -14% |
Cheapest Florida Pet Insurance by Cat Breed
Across all cat breeds we studied in Florida, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the best pet insurance rates. Premiums start at $17 per month for standard coverage.
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Breed:Abyssinian
| Lemonade | $29 | $343 | -54% |
| Spot | $34 | $408 | -45% |
| Figo | $34 | $409 | -45% |
| Hartville | $35 | $423 | -43% |
| Pets Best | $37 | $443 | -40% |
How Much Is Pet Insurance in Florida?
Florida pet insurance costs around $102 monthly for dogs and $52 for cats. Both rates are 13% higher than the national average, making Florida a more expensive market for pet coverage.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %:80%
| Cat | $52 | $620 | 13% |
| Dog | $102 | $1,226 | 13% |
How to Get the Best Cheap Pet Insurance in Florida
Finding the best cheap provider and coverage plan in Florida can be difficult. Here's how to find the best pet insurance for your needs:
- 1
Know Your Pet's Coverage Needs First
Start by listing what medical issues your pet might face based on their breed and age. Talk with your vet about common health problems and estimated treatment costs to determine what coverage level makes sense.
- 2
Look for Available Insurance Discounts
Many insurers offer savings through a multi-pet plan or annual payment options. Check if you qualify for additional discounts through your employer or membership organizations.
- 3
Check Insurance Company Track Records
Research customer reviews and claim payment histories of pet insurance providers. Focus on providers with strong financial ratings and positive feedback about claim processing.
- 4
Get Multiple Insurance Quotes
Request quotes from at least three pet insurance providers using the same coverage details. This direct comparison helps ensure you get the most competitive rate for your pet's needs.
- 5
Review Your Policy Annually
Pet insurance rates often increase as pets age or if you file claims. Compare new quotes each year at renewal time to make sure your current plan still offers the best value.
Best Pet Insurance in Florida: Bottom Line
Lemonade is our top pick for pet insurance in Florida, while Pumpkin offers the most affordable cat coverage. Lemonade stands out by providing both quality coverage and competitive rates for dogs, with Spot matching its excellence for cat coverage. While these providers rank highly in our analysis, compare options to find the right fit for your pet's needs.
Pet Insurance in Florida: FAQ
Here are answers to frequently asked questions about Florida pet insurance:
What are the best pet insurance companies in Florida?
Based on comprehensive analysis, leading pet insurance providers in Florida include Lemonade, AKC, Spot, Pumpkin and Pets Best. These companies offer reliable coverage options for your furry family members.
Which company has the cheapest pet insurance in Florida?
Lemonade, ASPCA, Pumpkin and Spot are among Florida's most affordable pet insurance providers. Monthly premiums start at $58 for dogs and $24 for cats.
How much is pet insurance in Florida?
In Florida, pet insurance costs around $620 annually for cats and $1,226 for dogs. Annual premiums across the state can range from $77 to $15,128, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in Florida
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for Florida residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 17, 2025.