Best Pet Insurance In Florida

When looking for pet insurance in Florida, it can be challenging because there are so many different providers.

You want the best for your dog or cat and not break the bank!

The best pet insurance plans have comprehensive coverage which assures you all accidents and illness will be covered.

Why Should Pet Owners Consider Purchasing Pet Insurance In Florida?

With Florida’s sunny climate and poisonous wildlife, dogs and cats are more susceptible to certain health risks. When your cat or dog has the right health care, some of these health risks can be avoided.

Pet insurance is a way to make sure that your dog or cat not only stay healthy but gets the care that is needed if something serious were to occur.

For example, if your dog is bitten by a snake, the vet bill can be more than $2,500.  And more importantly, if you get your dog or cat to the hospital in time, you could save their life.

According to Healthy Paws, 1 to 3 pets in Florida and around the country will get sick or injured unexpectedly.

While most of us would not hesitate to bring our pets to the hospital, when a pet insurance policy will pay an average of 80% of the medical bill, this is when pet insurance is a true lifesaver.

Here’s a sample of some common health conditions that might occur in your dog and the average cost of treatment:

  • Heart Disease – $16,000 – $20,000
  • Poisoning In Dogs – $400 – $500
  • Cushings Disease – $2,500

Even cats in Florida are at a higher risk of Feline Immunodeficiency Virus and treating this disease is extremely important and costly.

When Is The Best Time To Purchase Pet Insurance?

dog enjoying Florida beachThe best time to purchase any pet insurance plan is when your dog or cat is young and in good health. If your dog or cat suddenly develops an illness or injury at any age, then it is called pre-existing and it won’t be covered.

Even though it is more expensive to insure older pets, who are more likely to get sick, pet insurance will save you money in the long run.

Even if your premiums are higher, if your dog gets cancer, diabetes or any serious disease, pet insurance can save you thousands of dollars.

In a tropical climate like Florida, allergies or atopy can develop in dogs or cats of any age.  This would be considered a chronic condition and will require life-long treatment.

With all the allergy shots, medication and testing, it can get expensive.

And any reputable insurance company would provide treatment for chronic conditions.

What Type Of Coverage Is The Best?

When purchasing a new policy, the coverage offered is one of the most important choices.

After all, you are purchasing a policy to be covered for as many possible accidents or illness that might occur in the future.

Look for a comprehensive policy that includes the below tests and conditions:

  • Accidents & Illnesses
  • Hereditary Conditions
  • All types of Testing
  • Emergency Vet Visits
  • Hospital Stays and Testing
  • Specialty Care
  • Prescription Meds
  • Surgeries

With Florida’s balmy climate and fleas and ticks that are much more rampant, a wellness package might be a good option as well.

Treatments And Procedures Covered By Wellness Plans:

  • Vet exams
  • Dental Cleaning
  • Blood Panels,
  • Urinalysis
  • Heartworm Tests, Fecal Tests
  • Rabies, DHLP, Parvo Vaccination
  • Bordetella, Lyme Giardia Vaccination
  • Flea, Tick & Heartworm Treatment
  • Microchip
  • Any type of Deworming

Coverage Options For Your Floridian Policy

Comprehensive Pet Insurance: A good policy will cover all illnesses, accidents, injuries and everything but preventative care.

Wellness Plans:  You can this to your pet insurance plan at a cost but could be worth it when considering Florida’s climate. Of course, it depends on your budget and your particular cat or dog.

Accident Only: While less expensive, this coverage is only for accidents.  Some plans cover snake bites so it might be a good option for those who want just a little coverage.

Benefit Limits

Benefit limits in pet insurance plans are the amount your pet insurance policy will pay out each year.  This can be very important as you want to have the most coverage.

Unlimited Lifetime Benefit Option

There is no lifetime limit to the payment your pet insurance company will reimburse you.  With this option, you know your pet is always covered and our top choice.

Annual Maximum Benefits

This is an annual limit that is paid out for medical bills.

Annual Limit Per Incident

This is when there is a limit on any illness or condition each year.

Lifetime Maximum Benefit Limit

This is when there is a limit on a condition or illness for your pet’s life.  If your cat or dog is really sick, you will hit this quickly.

How To Get The Best Price For Your Pet Insurance

Of course, like any other insurance we purchase, the price is a big factor.

The cost for any pet insurance policy, even in Florida, is based on your pet’s breed, where you live and which coverage option you choose.

A dog or cat in a big city like Miami is more expensive to insure than that same pet in Tampa, Florida.

Deductibles

The deductible in a pet insurance policy is the amount you pay before the insurance starts to pay out.

The higher the deductible you choose, the less you will pay on a medical bill.  Therefore you need to think about whether you would rather pay more up front or potentially later in the year.

The deductibles offered by most companies range from $100 to $900.  We always recommend from $250 to $400.

Look for a policy with an annual deductible.  This means you pay the deductible once each calendar year. Once you’ve met your deductible, your pet insurance plan will reimburse you at the level you choose, usually from 70 % to 90%.

Per condition and per condition lifetime deductibles apply to each condition that your dog or cat might have.

This can be limiting since it is only per condition and means that if your dog or cat has multiple illnesses or conditions, you will pay that deductible more than one time.

Reimbursement Choices

All pet insurance policies will give you a choice of reimbursement levels typically anywhere from 60% to 100%.

If you are looking to pay a lower monthly premium rate than opt for the lower reimbursement level.  This means your monthly rate will be lower but you will be reimbursed less on each medical bill.

Look for a pet insurance policy that pays on the actual medical bill.  Some companies have their own benefit schedule or what they refer to as usual and customary.  This means that the company sets their own payment for that condition as is not what any pet owner would want, particularly in Florida where medical costs are higher.

Customer Service And Reviews

While cost is important, so is the customer service of pet insurance company.

Look at the reviews to make sure that the pet insurance company has a good reputation and known to pay out on the claims.

It could be a big headache and costly if you are spending time-fighting each bill and not understand the conditions of the policy.

When calling to enroll in a plan, make sure the customer representative is friendly and helpful. They should be readily available and able to answer the questions of your coverage options.

Make sure the plan has an easy way to pay with mobile apps or a convention on-line payment center.

The last thing you want is to be waiting months for reimbursements on a medical bill.

Top 5 Pet Insurance Companies In Florida

We gathered a list of the best pet insurance companies in Florida for you based on pricing, coverage and customer service:

Healthy Paws

healthy paws pet insurance logoHealthy Paws Highlights

  • Customers love Healthy Paws with their A+ satisfaction rating
  • No limits on benefits in all plans
  • Behavioral and Alternative Therapy offered in all their plans
  • 4 annual deduction choices of $100, $250, $500 or $750
  • Turn claims around fast usually from 3 to 5 days
  • Competitive pricing:
    • Dog insurance plans in Florida start at $33 a month
    • Cat insurance plans in Florida start at $16 a month

If you want to learn more about Healthy Paws, our full review can help.

>>Get your Healthy Paws Quotes Here<<

Embrace

embrace pet insurance logoEmbrace Highlights

  • An A+ Rating by the BBBB
  • Dental cleaning allowance of up to $650
  • Many deductible choices starting at $100 and up to $1,000
  • Benefit limits up to $15,000 (we prefer unlimited)
  • Wellness plans options for spaying, neutering and de-worming
  • Prosthetics and alternative therapy offered
  • A $50 annual decrease in premium if you have a healthy pet
  • Competitive Pricing
    • Dog insurance plans in Florida start at $34
    • Cat insurance plans in Florida start at $20

If you want to learn more about Embrace, our full review can help.

>>Get Embrace Quotes Here<<

Petplan

petplan pet insurance logoPetplan Highlights:

  • An A+ rating by BBB.
  • Vet exam fee included in all of their comprehensive coverage
  • Benefits are unlimited – in most expensive plan
  • Very flexible annual deductibles up to $1,000
  • Choices of reimbursement of up to 90%
  • When enrolling online, a 10% discount is applied
  • Great reviews and a 24/7 vet help online
  • Competitive Pricing
    • Dog insurance plans in Florida start at $28
    • Cat insurance plans in Florida start at $19

If you want to learn more about Petplan, our full review can help

>>Get Petplan Quotes Here<<

Nationwide

nationwide pet insurance logoNationwide Highlights

  • Nationwide is the largest pet insurance in the United States
  • An A+ rating by A.M. Best
  • Insures all animals including exotic pets
  • Has wellness plans that are offered independently and not just an add-on
  • Unlimited claims but only one deductible of $250
  • Their Whole Pet with Wellness is extremely comprehensive but a bit pricey
  • Bundle your insurance with home or auto and get further discounts
  • Competitive Pricing
    • Dog insurance plans in Florida start at $38
    • Cat insurance plans in Florida start at $20

If you want to learn more about Nationwide, our full review can help.

>>Get Nationwide Quotes Here<<

Pets Best

pets best insurance logoPets Best Highlights

  • An A+ rating from BBB
  • Two wellness packages offered
  • Unlimited benefits but only in the most expensive plan
  • No lifetime limits for illness or accidents
  • Premiums remain the same even if you file unlimited claims
  • Claims are paid quickly usually within a week
  • Competitive Pricing
    • Dog insurance plans in Florida start at $31
    • Cat insurance plans in Florida start at $16

If you want to learn more about Pets Best, our full review can help.

<<Get Pets Best Quotes Here>>

In Conclusion

And there you have it!

In states like Florida, it might be worth getting the minimum of an accident policy to make sure your pet is always covered.

If you would like to explore some other options of pet insurance providers, take a look at our top 10 pet insurance companies of 2018!

We will be happy to hear your thoughts

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