Dog and Cat Insurance in Florida
The Sunshine State is an idyllic place to live, and many of its residents own pets as cherished companions. Florida offers a warm and vibrant environment, with popular cities such as Miami, Tampa, and Orlando attracting residents and visitors alike.
Home prices, gas prices, and food expenses can be high in some areas of Florida, but they are not the only costs to consider. Pet care costs have also seen increases as the price of keeping our beloved furry family members protected becomes more expensive.
Facing the High Costs of Pet Care in Florida
According to our internal Embrace Pet Insurance data, we covered over 50,000 claims in Florida in 2023 at an average cost of almost $400 per claim. We find that Florida pets experience a lot of urinary tract infections, with normal costs for treatment ranging from $100 - $500 and going all the way up to over $2500! We also see a lot of gastroenteritis, with the average vet treatment costing almost $600, but treatment can run over $6000 in Florida. It’s no wonder why Floridians are turning to pet insurance coverage in increasing numbers to help cover these daunting expenses.
Get a Florida Pet Insurance Quote
No matter where you live in Florida, Embrace can provide you with a competitive quote for pet insurance. Just tell us a little bit of information about your dog or cat, and we’ll fetch a quote that meets your needs.
It's as easy as 1, 2, 3. Here's how that works:
Tell us about your furred friend
Share some information about your pet, including species, age, and breed.
Customize your policy
Choose annual reimbursem*nt limits, deductibles, and percentages.
Choose optional coverage
Such as additional coverage for prescription drugs and wellness care
You’ll get an instant quote that you can adjust based on your needs. We also provide discounts for military, annual payments, and multi-pet households.
Ready to protect your pet?
Call (800) 799-1539
Why Do You Need Pet Insurance in Florida?
Just like us, our fur babies can have mishaps or become ill. Given how expensive veterinary care is, having pet insurance in Florida is an essential financial safety net that allows you to address medical issues and emergencies without breaking the bank.
What Makes Embrace the Best Pet Insurance in Florida?
Pet owners know to expect the unexpected, and having a simple, comprehensive policy to protect your pet lets you enjoy play time to the fullest.
From emergency and specialist care to diagnostic testing and surgery, Embrace Pet Insurance helps you provide the best quality of life for your pet and gives you peace of mind.
Embrace Pet Insurance Reimburses For:
Emergency care, prescription drugs, diagnostic testing, complementary treatments, and more
Some pre-existing conditions may be eligible for coverage, particularly curable conditions once they’ve been cured for 12 months
Exam fee coverage for accidents and illnesses is also available
What Makes Florida Pet Insurance So Important
We all know someone with horror stories about a pet eating a blanket or coming down with a sudden (and expensive) illness. Pet insurance means having the ability to get essential care without shelling out the full balance of the pet vet bill.
We love Embrace! Our dog was diagnosed with a heart murmur, and we've saved a lot. Claims are processed quickly, and resolving coverage disagreements is straightforward. Premiums are more reasonable, and service is faster than our previous provider.
Brianna from Tampa, FL
WOW!! Embrace has been awesome! I have two golden retriever pups, and after much research, I chose Embrace. They handle my many questions superbly. Claims are processed quickly, and money is directly deposited. Thank you, Embrace!
Margaret from Destin, FL
My experience with Embrace has been nothing but positive. I enrolled my dog at 5 months, and each time I've needed them, they've come through. Pet insurance is worth it—anything can happen with a curious pet exploring its surroundings.
Vicki from Orange City, FL
Are You Ready to Protect Your Pet in Florida?
You’ve already taken a major step in protecting your pet’s health – researching pet insurance!
Now that you’ve found the best pet insurance Florida has to offer, the next step is choosing your plan.
Embrace cat and dog insurance is the right choice for pet parents who want the most comprehensive coverage available. We believe that you shouldn’t have to compromise on your pet’s health. If an expensive treatment is needed, it should be within reach.
Whether your pet needs an oncologist, a behavioralist, or laser therapy, it’s covered by Embrace.
If your pet has a pre-existing condition, coverage is still available that simply excludes coverage for those preexisting conditions. In addition, while some insurance providers exclude all preexisting conditions, we take a closer look. Certain curable conditions can be covered once your pet has been symptom-free for 12 months.
Paw Support Included with Every Pet Insurance Plan in Florida
Have you heard the news? Embrace now offers Paw Support, a 24/7 pet helpline to provide pet parents with expert guidance from veterinary experts.
You can chat with a specialist online, via email, or by video and get all of your burning questions about any topic answered, including:
- Medical concerns
- Pet emergencies
- Symptoms
- Poisons and toxins
- Chronic conditions
- Lab results
- Vitamins and supplements
- Holistic care options
- Behavioral issues
- Wellness care
- Diet
- Exercise
FAQs About Florida Dog and Cat Insurance
What is the average cost of pet insurance in Florida?
There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Florida pet insurance costs between $17.48 and $88.70 per month.
Which company has the cheapest pet insurance in Florida?
We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in Florida when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.1 Google; 4.2 Trustpilot), have a 5-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.
What are common risks to pets in Florida?
Despite its beautiful landscape, Florida is home to many hidden dangers to pets. In the summer months, heat stroke is a major concern due to the state’s tropical climate. Heartworms, fleas, and ticks are also prevalent, thriving in the warm and humid conditions. If you frequent the dog park, parvovirus (which can be deadly) and kennel cough are other risks to be aware of. Additionally, Florida has unique dangers such as alligators in waterways, venomous snakes like the Eastern Diamondback Rattlesnake, poisonous Bufo (Cane) toads, hurricanes and extreme weather events, and red tide along the Gulf Coast. The Sunshine State’s distinct environment calls for pet owners to take extra precautions to keep their furry friends safe from these hazards.
Is it worth having pet insurance for a dog in Florida?
For any parent who would prefer not to pay thousands in vet bills, pet insurance is a smart financial option. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.
An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can save your pet’s life.
If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.
Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.
Can pet insurance be used immediately?
Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on the type of coverage you have. All policies cover accidents from the start date of the policy. All polices have a 2 week illness waiting period. Most Pet Wellness Plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.
