If you’re a Florida pet owner looking to secure insurance for your beloved companion, you have numerous choices. With over a dozen pet insurance companies operating in the Sunshine State, there’s a range of coverage available. NerdWallet has conducted a comparative analysis of rates and policies from these insurers to assist you in identifying the best pet insurance options in Florida.
Best Pet Insurance Picks in Florida
- MetLife: Top overall pick.
- Liberty Mutual: Best budget-friendly option.
- ASPCA: Ideal for comprehensive coverage.
How We Selected the Best Pet Insurance in Florida
Our writers and editors adhere to rigorous editorial guidelines to ensure the content presented on our website is both accurate and impartial, empowering you to make informed financial decisions and choose the products that suit you best. NerdWallet’s rating system favors pet insurance companies that offer extensive coverage, plan customization flexibility, a strong financial standing, and a positive customer experience. To calculate each insurer’s rating, the scores were adjusted to a curved 5-point scale. You can find the complete methodology behind our pet insurance ratings here.
Best Overall: MetLife
MetLife
Get rates on MetLife’s website
NerdWallet Rating: 5.0/5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Annual Max Coverage: Unlimited, which is the highest coverage limit the insurer provides per year.
Reimbursement Rates: 50%-90%, which is how much of your vet bill MetLife will pay after you’ve met your deductible.
Deductibles: $0-$2,500, which represents how much of your vet bills you must cover before the insurer starts reimbursing you.
Policy Highlight: No age restrictions for enrollment.
Pros:
- Deductible decreases each year you don’t file a claim. (In some states).
- Accident coverage activates immediately, with no waiting period.
- Includes coverage for holistic and alternative care.
Cons: No option for the company to pay your vet directly.
The Bottom Line: MetLife offers adaptable plans for dogs, cats, and even other animals in certain states.
Why It’s the Best: MetLife, among NerdWallet’s 5-star pet insurance companies, earned the highest raw score. This is due to the extensive options for customizing your policy, with a wide array of deductible and annual coverage choices. You can also enhance your plan with a wellness option to cover expenditures like vaccinations, dental cleanings, and heartworm prevention.
MetLife provides coverage for hereditary and congenital ailments, as well as alternative therapies and periodontal disease. In some states, it will even cover burial, cremation, and grief counseling. Learn more with our MetLife pet insurance review.
Best Budget Pick: Liberty Mutual
Liberty Mutual
NerdWallet Rating: 4.5/5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Annual max coverage: $15,000, which is the highest coverage limit the insurer offers per year.
Reimbursement rates: 70%, 80%, 90%, which represents how much of your bill the insurer will pay after you’ve met your deductible.
Deductibles: $250, $500, $1,000, which is how much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy Highlight: Discount for existing Liberty Mutual customers.
Pros:
- Offers three plans for pet owners to select from.
- Provides discounts for current customers, active military, and veterans.
- Covers behavioral therapy and alternative medicine in most states.
Cons:
- Does not offer direct payment to your vet.
- May not cover osteoarthritis.
- No option for unlimited coverage.
The Bottom Line: Liberty Mutual presents three plan options to help you customize your coverage.
Why It’s the Best: Liberty Mutual supplied some of the most affordable monthly rates for our sample dogs and cats in Jacksonville. You can choose from three tiers of coverage: the basic level solely encompasses accidental injuries; the second level adds illness coverage; and the most comprehensive package includes wellness exams and other standard expenses.
Liberty Mutual has a 14-day waiting period for all coverage types, including orthopedic injuries. (Some other companies can impose extended waiting periods, ranging from six months to a year, for specific orthopedic conditions.) Learn more with our Liberty Mutual pet insurance review.
Best for Comprehensive Coverage: ASPCA
ASPCA
NerdWallet Rating: 5.0/5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Annual max coverage: Unlimited, which is the highest coverage limit the insurer provides per year.
Reimbursement Rates: 70%, 80%, 90%, which is how much of your bill the insurer will pay after you’ve met your deductible.
Deductibles: $100, $250, $500, which represents how much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy Highlight: Broader coverage than most other plans.
Pros:
- Covers horses in addition to cats and dogs.
- Standard plans include coverage for alternative therapies, behavioral issues, and congenital conditions.
- Shorter waiting period for cruciate injuries (14 days) than most plans.
Cons: You must call, rather than get an online quote, if you wish to obtain unlimited annual coverage.
The Bottom Line: The ASPCA offers extensive coverage with various plan alternatives, including an accident-only policy.
Why It’s the Best: ASPCA’s policies offer coverage that some other companies consider an extra, such as fees for sick exams, prescription food and supplements, behavioral issues and alternative medicine. They even cover microchip implantation. If you desire reimbursement for procedures like spay/neuter surgery or dental cleaning, you can pay extra for a preventive care plan.
ASPCA has no upper age limit for coverage, making it a potentially good option if your furry friend is a senior. For those with multiple pets, ASPCA provides a 10% multipet discount. Learn more with our ASPCA pet insurance review.
Full Lists of the Best Pet Insurance in Florida
Still undecided? Check out all the pet insurers in Florida that earned a 5-star NerdWallet rating.
Best Pet Insurance in Florida for Younger Animals
Below are sample rates for 2-year-old mixed-breed dogs and cats living in Jacksonville. Unless otherwise noted, these plans had a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.
Best Pet Insurance in Florida for Older Animals
Older pets typically have higher pet insurance premiums. We also checked rates for 8-year-old dogs and cats in Jacksonville. Here are sample rates from our 5-star companies for 8-year-old mixed-breed dogs and cats with the same coverage limits as above.
Cheap Pet Insurance in Florida
Here are the most cost-effective insurers we found in Florida for dogs and cats, based on quotes we gathered in Jacksonville. Your prices may vary.
Cheap Pet Insurance in Florida for Young Dogs
Below are the lowest monthly rates we found for 2-year-old dogs.
*The Prudent Pet plan had a $2,500 annual coverage limit. The Fetch plan had a $300 deductible.
Cheap Pet Insurance in Florida for Older Dogs
Below are the lowest monthly rates we found for 8-year-old dogs in Jacksonville.
*The Prudent Pet plan had a $2,500 annual limit. The Kanguro plan had a $200 deductible.
Cheap Pet Insurance in Florida for Young Cats
These are the cheapest monthly rates we found for 2-year-old domestic shorthair (mixed-breed) cats living in Jacksonville.
*The Prudent Pet plan had a $2,500 annual limit.
Cheap Pet Insurance in Florida for Older Cats
Below are the lowest monthly rates we found for 8-year-old domestic shorthair (mixed-breed) cats living in Jacksonville.
*The Kanguro plan had a $200 deductible.
