Pet Insurance in Florida: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Having the best pet insurance in Florida can help you save thousands of dollars every year and give you peace of mind for your pet's health. Some insurance plans also offer preventative care to ensure that your pet remains healthy between visits to the veterinarian.

We obtained information from Florida pet insurance companies serving the state's big cities like Jacksonville, Tampa and St. Petersburg. Our research can help you figure out how much pet insurance costs in Florida, allowing you to obtain the cheapest pet insurance that meets your needs.

MoneyGeek examined thousands of pet insurance quotes in Florida from multiple insurers, along with policy and coverage data, to identify the finest pet insurance companies in the state. We ranked the best businesses according to their rates and product offerings.

Pet insurance premiums vary depending on the breed, age and medical history of your pet, along with your location. Make sure to shop around to find the cheapest and best insurance policy for your pet.

Pet insurance in Florida varies according to your location and coverage level, along with the age and breed of your pet. The average monthly cost of dog insurance in Florida is $26.14 for a $5,000 coverage limit, $50.09 for a $10,000 coverage limit and $62.05 for unlimited coverage.

Cats are typically less expensive to insure, costing an average of $14.22 per month for $5,000 in coverage, $24.84 for $10,000 in coverage and $41.12 for unlimited coverage.

Other factors that affect the cost of pet insurance in Florida include your animal's age, the amount of your deductible and any add-on benefits or coverages. Shop around for a few customized estimates before deciding on a policy — every insurer analyzes these aspects differently.

MoneyGeek wants to help pet owners in Florida understand the typical options available in pet insurance policies. Options include:

• Annual Reimbursement Limits: Ranges from $3k to unlimited
• Deductible: $250 to $500, but some companies have higher or lower options
• Bill Reimbursement Percentage: 70-90%

Some pet owners in Florida prefer cheaper policies with lower coverage limits. Others may need insurance with higher coverage limits to guarantee adequate coverage. Higher-limit policies are often more expensive, but the average pet owner may not require unlimited insurance.

These policies provide the highest level of protection for your four-legged family member. MoneyGeek recommends the average coverage amount listed below for Florida pet insurance customers.

Consider a plan with a low annual maximum, high deductible and a low reimbursement percentage if you're on a tight budget. The chart below compares Florida's pet insurance policies with a $5,000 coverage limit, a $500 deductible and an 80% reimbursement rate.

Aside from factors like your pet's age and breed, your location in Florida can affect your ability to purchase the cheapest pet insurance in Florida. Many cities, such as Miami, have a higher cost of living than other cities, resulting in high veterinarian medical expenses and increased policy premiums.

In some cities, weather, traffic and other hazards may increase the likelihood of injury to your pets, leading to higher premiums. Your chosen coverage level also affects your monthly pet insurance payments.

Factors such as your location, coverage level, and the type of pet and its age determine your pet insurance cost. Most insurers allow customization of coverages to suit the needs of each pet.

MoneyGeek believes that data enables us to make more informed financial decisions. For pet insurance, our team gathered hundreds of quotes from the 13 largest providers to guarantee you get the best pet insurance suiting your pet’s needs.

MoneyGeek created a thorough rating system to find the best pet insurance companies in Florida by assessing each company's offerings and rates. We weighted affordability by coverage level at 50% of the overall score and our 24 qualitative research policy choice data points at 50% for the MoneyGeek rating score.

MoneyGeek obtained quotes from companies across several zip codes in Florida for four pet types with the following coverage levels to identify the cheapest pet insurance providers in the state. We used these figures to calculate our affordability scores in our rankings.

• Low Coverage: $5,000 coverage, $500 deductible, 80% reimbursement
• Average Coverage: $10,000 coverage, $250 deductible, 80% reimbursement
• High Coverage: Unlimited coverage, $250 deductible, 90% reimbursement