Pets can wreak havoc on your bank account, so why not consider pet insurance? We’ve rounded up the best pet insurance options on the market so you can choose the right pet insurance for you and your furry (or scaly) friend.
The Best Pet Insurance in Florida:
- High-Quality Pet Insurance: Spot Pet Insurance
- Best for Dogs: Progressive
- Best for Directness: Pets Best
- Best for Cats: PetFirst
Pet Insurance in Florida: An Overview
You only need to stop and look around you to notice an abundance of people with pets. A study by the American Pet Products Association (APPA) found that more than 67% of U.S. households included pets. Here’s a look at some pet stats:
- Number of households with pets: Approximately 3.6 million
- Amount spent on pet bills annually: An average of $1,200 per year
- Average cost of pet insurance per month: $17 for cats and $37 for dogs
What Does Pet Insurance Typically Cover?
Pet insurance usually covers medical costs if your pet suddenly becomes ill or if there’s an accident. Pet insurance is usually for cats and dogs, but some companies offer insurance for other types of pets like birds, rodents and rabbits. Pet insurance is different from your own health insurance because it doesn’t include routine exams and vaccinations.
There are 4 types of pet insurance plans:
- Accident-only plans cover mishaps like injuries from being hit by a car or getting in a catfight.
- Accident and illness plans cover the same mishaps but also cover illnesses such as infections and cancer. It’s the most commonly purchased plan.
- Insurance with embedded wellness plans offer the most complete care. Wellness care is added to accident and illness plans. Wellness care includes things like heartworm medication, dental care, cremation and burial.
- Endorsements, also called riders, include specific additions to insurance like cancer or preventive care.
In the U.S., 98% of insured pets were covered either through an accident plan or insurance with an embedded wellness plan, according to the North American Pet Health Insurance Association (NAPHIA).
Review of The Best Pet Insurance in Florida
We’ve listed the best pet insurance for dogs, cats and the best pet insurance overall. The examples below are based on a 3-year-old male Cavalier King Charles Spaniel dog and an 8-year-old domestic longhair cat with Florida ZIP code 33401.
1. High-Quality Pet Insurance: Spot Pet Insurance
Spot Pet Insurance is the No. 1 pet insurance provider recommended by Cesar Millan, the leading expert in dog behavior. Some insurance highlights:
- Up to 90% reimbursement on eligible vet bills
- No age cap on coverage
- Plans start as low as $1 a day* — that’s less than a cup of coffee!
You can customize your coverage and can even add special Spot-On coverage. Coverage options include accidents, behavioral issues, dental disease, illnesses, preventive services and even hereditary and congenital conditions.
Spot’s claims service is easy. Just visit your vet (don’t forget to give your pet a treat on the way out!), send Spot the bill and get reimbursed.
Take 30 seconds to fetch your free quote now.
*Rates vary based on plan type, species, breed, age and location
2. Progressive: Best for One-Stop Insurance Shopping
Progressive Pet Insurance by Pets Best offers affordable coverage for pets 7 weeks and older. Progressive doesn’t discriminate based on age but coverage is limited to future medical needs.
For example, if your pet’s already ill, service related to that illness won’t be covered. You can choose from 3 plans, each with increasing coverage. Progressive also offers an annual deductible and 5-day claims processing. You can choose how to pay (monthly, quarterly or annually). You’ll also get a discount if you’re already a Progressive customer.
The accident and illness essential plan covers: accidents or illnesses that result in emergency care, hospitalization and surgeries, Rx medications, MRI, CAT and X-rays, specialist care, outpatient care, medication injections and lab tests.
Plus: cancer treatments, hereditary and congenital conditions
Plans start at $36 per month per cat and $29 per month per dog.
Highlights: $500 deductible, 90% reimbursement of fees for covered expenses, no annual limit for covered expenses and
you can lower your monthly premium by setting a higher deductible or selecting a lower reimbursement percentage.
3. Pets Best: Best for Directness
Pets Best Pet Insurance and Progressive are interlinked and the same 3 coverage options apply. You can get coverage for cats and dogs 7 weeks and older — even if your pet is already a senior. No pet is too old to be insured. However, preexisting conditions are excluded from coverage. Pets Best offers a 24/7 helpline.
The Pets Best Accident and Illness Essential Plan covers: accidents or illnesses that result in: emergency care, hospitalization and surgeries, Rx medications, MRI, CAT and X-ray, specialist care, outpatient care, medication injections, lab tests.
Plus: cancer treatments, hereditary and congenital conditions.
Plans start at $36 per month per cat and $29 per month per dog.
Highlights: $500 deductible, 90% reimbursement of fees for covered expenses and no annual limit for covered expenses,
You can lower your monthly premium by setting a higher deductible or selecting a lower reimbursement percentage.
4. PetFirst: Best for Discounts
PetFirst offers plans for cats and dogs of all ages that you can customize choosing the annual limit, deductible amount and reimbursement percentage. They offer multiple discount opportunities.
Discounts include animal care employees, military, multiple pets and going claim-free. Referring a friend can also earn you $25. Additionally, you can add a wellness care rider to help with the expense of maintaining your pet’s health.
Coverage includes: accidents, illnesses (including hereditary, congenital and chronic conditions), hospitalizations, surgeries, diagnostic tests, exam fees, x-rays, ultrasounds, medications, holistic care and alternative therapies and emergency care.
After the 12-month waiting period, coverage expands to include care for: intervertebral disc disease (IVDD), anterior cruciate ligaments, medial cruciate, posterior cruciate ligaments and cranial cruciate ligaments.
Plans start at $8.50 per month per cat and $22.50 per month per dog.
Highlights: $500 deductible, 90% reimbursement of fees for covered expenses, $5,000 annual limit for covered expenses and you can lower your monthly premium by setting a higher deductible or selecting a lower reimbursement percentage.
Get the Best Pet Insurance in Florida
Pets give so much — unconditional love, stress reduction, longevity and judgment-free companionship. It’s no wonder you’re devoted to them! You want them to live their best life with the best possible care. Pet insurance is one way you can give your pet your best without straining your finances. The options for insurance are as varied as pets’ personalities. Choose the option that best fits your pet and your pocketbook.