Lemonade ranks as the best pet insurance company in Florida for dogs and shares the top spot with Spot for cats. Both companies offer excellent cat coverage. AKC, Pumpkin and Pets Best are also solid options for Florida pet owners.
Best Pet Insurance in Florida
Updated: November 12, 2025
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Key Takeaways
Lemonade and Spot rank among the best pet insurance options in Florida, with plans starting at just $6 a month. Both companies combine affordable pricing with strong customer service.
If you’re looking for the cheapest pet insurance in Florida, Lemonade offers dog coverage for about $58 per month, while Pumpkin has cat plans starting at $24 monthly.
Take time to compare providers to find the coverage that fits both your pet’s needs and your budget.
Best Pet Insurance Companies in Florida
Data filtered by:
Dog
Middle Aged
$5,000
80%
$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 Points
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 ranks as the best pet insurance provider for most dog breeds in Florida, while Lemonade and Pets Best lead for certain breeds. Check the list below to see which companies offer the best coverage for your dog in the state.
Data filtered by:
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 found that AKC ranks highest for cat insurance in Florida, offering strong coverage across different breeds. Take a look at this list to see which companies provide the best coverage for your cat in the state.
Data filtered by:
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:
Dog
Middle Aged
$5,000
80%
$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.
Data filtered by:
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.
Data filtered by:
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.
Data filtered by:
$5,000
$500
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:
- 1Understand Your Pet’s Coverage Needs
List the possible health issues your pet could face based on their breed and age. Talk with your vet about common conditions and potential treatment costs to decide what coverage level fits best.
- 2Look for Pet Insurance Discounts
Many insurers offer savings through a multi-pet plan or by paying annually. You may also qualify for extra discounts through your employer or certain membership groups.
- 3Research Each Company’s Reputation
Read customer reviews and check how each provider handles claims. Choose companies with strong financial ratings and a good record for fast, fair claim processing.
- 4Compare Multiple Quotes
Get quotes from at least three insurers using the same coverage details. Compare them side by side to find the most competitive rate for your pet.
- 5Revisit Your Policy Every Year
Pet insurance costs can rise as your pet gets older or after you file claims. When it’s time to renew, compare new quotes 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, and Pumpkin offers the cheapest cat coverage. Lemonade provides strong coverage and competitive rates for dogs. Spot also excels at cat coverage. 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
- six-year-old Labrador Retriever if dog
- seven-year-old Ragdoll if cat
Our Company Rating System
We refined our rating system to reflect what matters most to pets and their owners while including all important 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 12, 2025.