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5 Best Florida Pet Insurance for Dogs & Cats (2022 Reviews)

5 Best Florida Pet Insurance for Dogs & Cats (2022 Reviews)
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If you’re here reading about pet insurance, you undoubtedly cherish your dog or cat like any other member of your family. And while your pet may bring tremendous fun and joy into your life, there will most likely come a time urgent veterinary care is needed. Sudden accidents or illnesses can be expensive to treat, but pet insurance can help alleviate the financial stresses that come with such catastrophes. We’re here to share the 5 best pet insurance companies for Texas residents so that you can make an informed decision about the best choice for your beloved furry friend.

Enjoying the beach view in florida
Enjoying the beautiful ocean view in Florida!

5 Top Florida Pet Insurance for Dogs & Cats

  • 1. Figo

    (Best overall)

    Why it’s great: Pet parents will be pleased to know that Figo’s monthly premiums are some of the lowest available in Florida. They provide live, 24/7 veterinary support via their mobile app. Furthermore, they have several wellness add-ons, one of which covers up to $250 for specialty prescription food. They also place no limits on lifetime payouts, which means your pet will remain protected throughout its life.

    Keep in mind: As with most pet insurance companies, Figo does not extend coverage to pre-existing conditions.

    Good for: Pet owners that value having access to live 24/7 veterinary assistance for no extra charge.

    Average price for DOGS in Florida: $38.97/month

    Average price for CATS in Florida: $29.87/month

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo will reimburse up to 100% of veterinary bills for the rest of the year once you meet your deductible. Florida pet parents will love the various wellness add-ons along with exceptionally fast reimbursements made via direct deposit, Venmo or PayPal. Freedom to choose the right vet for your cat or dog is an extra perk since this is not an industry standard. A bonus is that Wagmo gives bundling and multiple pet discounts.

    Keep in mind: Coverage ends once you reach the lifetime maximum payout of $100,000.

    Good for: Pet owners who desire a balance of wellness and care coverage.

    Average price for DOGS in Florida: $36.00/month

    Average price for CATS in Florida: $20.00/month

  • 3. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp protects up to 6 pets within a household under an emergency fund for $24 per month, regardless of their ages, breeds or medical histories. In addition to the emergency fund, pet parents will get 24/7 access to telehealth and pet expert consultations. Unlike other companies, Pawp has no credit checks, deductibles or copays. The best part about Pawp is that your pet can see the vet of your choice, and the bill will be paid in full by the time you leave the veterinary clinic, thereby eliminating the potentially stressful claims process.

    Keep in mind: Pawp’s emergency fund can only be used for true emergencies as determined by the virtual veterinary team. Also, it only covers one pet within a household for a single vet bill costing less than $3,000 each year.

    Good for: Great for older pets or those with pre-existing conditions. The
    emergency fund makes a quality supplement to a more traditional pet insurance policy.

    Price: $24/ month

  • 4. Embrace

    (Best established brand)

    Why it’s great: Embrace places no limits on maximum lifetime payouts, which means your pet can have coverage for the rest of their lives should you want it. Not only do they offer multiple pet discounts, but they also allow for “diminishing deductibles.” Therefore, if your cat or dog goes an entire year without having a reimbursed claim, the company will automatically reduce your annual deductible at the time of renewal by $50 for the coming year. One unique feature is the wellness plan, which covers alternative treatments, including acupuncture, chiropractic, massage therapy and reiki.

    Keep in mind: Only cats or dogs up to 14 years of age are eligible. The maximum combined claims total for the wellness package sits at $650 per year, leaving you with a mere savings of $25 each year. Lastly, if any funds remain in your wellness plan, these will not be reimbursed at year’s end.

    Good for: Pet parents who want their cat or dog to have access to new, alternative veterinary care.

    Average price for DOGS in Florida: $51.01/month

    Average price for CATS in Florida: $30.48/month

  • 5. Eusoh

    (Best pet healthshare community)

    Why it’s great: Even though Eusoh is not a pet insurance company, it offers exceptional community pet health plans. Eusoh helps its members save upwards of 50% in veterinary costs compared to the coverage provided by conventional pet insurance policies. These community health sharing plans reimburse accident, illness and routine care expenses. Additionally, their partner First Vet offers televet services for all Eusoh members. And if that weren’t enough, pet parents will appreciate the freedom to choose the best vet for their dog or cat.

    Keep in mind: Eusoh is not a pet insurance company but an “expense sharing community.” The highest reimbursement rate they offer is 80%, and they cap the annual reimbursement amount at $8,500.

    Good for: Pet parents that prefer healthshare communities.

    Average price for DOGS in Florida: $62.58/month

    Average price for CATS in Florida: $40.94/month

Best Overall

Figo is our overall top recommendation. It’s the most comprehensive pet insurance provider in Florida and they also offer the best value.

Average price for DOGS in Florida: $38.97/month

Average price for CATS in Florida: $29.87/month

FAQs about Pet Insurance in Florida

  • 1. What does pet insurance typically cover for cats and dogs?

    Coverage differs from provider to provider, but as a rule, all accidents and illnesses that are sudden and catastrophic will be covered. Treatments and procedures eligible for reimbursement include exams, diagnostics, medications, tests, emergency care and surgery. That said, we encourage all pet parents to refer to their policy for a more detailed outline of their coverage.

  • 2. How much does pet insurance cost in Florida?

    Pet insurance in Florida costs anywhere from $20.80 to $50.21 per month for dogs (based on prices for a healthy 2-year-old located in the 33126 zip code). And anywhere from $19.62 to $23.88 per month for cats (based on prices for a healthy 2-year-old located in the 33126 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Figo who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Most providers allow you to cancel your policy at any time, and to do so, they often require you to notify them in writing of your intention. It is worth noting that any conditions your pet has been diagnosed with before canceling your policy may be listed as a pre-existing condition and be excluded from coverage should you reapply in the future.

  • 4. Do Florida pet insurance companies cover spaying and neutering?

    On the whole, pet insurance companies in Florida do not cover spaying or neutering. Nevertheless, some insurance providers such as Embrace have wellness packages you can add to your policy to cover these operations.

  • 5. Does the cost of insurance increase as my pet ages?

    Monthly premiums tend to increase with your pet’s age, especially once your cat or dog reaches 4-5 years old. Insurance companies do this to offset the higher risk of your pet getting ill as they age.

  • 6. Which companies cover pre-existing conditions?

    We rank Pawp best overall for covering pre-existing conditions, especially in emergencies. Embrace also covers some pre-existing conditions, but they must be considered curable. It’s best to speak with the companies mentioned above for clarification before applying for a policy. Keep in mind that most pet insurance companies do not provide any coverage for pre-existing conditions. However, the great news is that you will still be eligible for pet insurance, even if your pet has a history of prior conditions.

  • 7. Is pet insurance worth it in Florida?

    As is true in all states, most pets in Florida will have a veterinary emergency at some point in their lives. Urgent care bills for accidents and illnesses can easily run into the thousands of dollars and sometimes in excess of $10,000 for life-threatening diseases such as cancer. Pet insurance eases the financial stress that inevitably comes with such devastating events.


Ultimately, we hope this article has helped to streamline the process of choosing the best pet insurance company for your little pal. Be sure to take your time in reviewing the offerings of your preferred insurance providers before you apply for coverage. By buying the best Florida pet insurance policy, your much-loved cat or dog will have the coverage necessary for catastrophic events and routine care.

In our experience, after careful review, we’ve consistently seen Figo has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 33126 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500