MetLife and ASPCA are two of the best pet insurance companies in Florida.
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Sarah Schlichter Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
Caitlin Constantine Assistant Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
If you’re looking to buy pet insurance for your Florida furbaby, you’ve got plenty of options. More than a dozen pet insurance companies operate in the Sunshine State, offering a range of coverage. NerdWallet compared rates and policies to help you find the best pet insurance in Florida in the following categories:
Best pet insurance category
Company winner
Best overall
MetLife
Best budget pick
Liberty Mutual
Best for comprehensive coverage
ASPCA
How we found the best pet insurance in Florida
Our writers and editors follow strict editorial guidelines to ensure the content on our website is accurate and fair, so you can make financial decisions with confidence and choose the products that work best for you.
NerdWallet’s rating system rewards pet insurance companies with broad coverage, a variety of ways to customize your plan, a high financial strength rating and a good customer experience. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale. Here’s the full methodology behind our pet insurance ratings.
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
50% - 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$0 - $2,500 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
No age restrictions for enrollment.
Pros and cons
Pros
Deductible goes down each year you don't make a claim in some states.
Accident coverage starts right away, with no waiting period.
Includes coverage for holistic and alternative care.
Cons
No option to have the company pay your vet directly.
Bottom line
MetLife sells customizable plans for dogs, cats and even other animals in some states.
Why it’s the best
Of all NerdWallet’s 5-star pet insurance companies, MetLife had the highest raw score. That’s partly because it offers plenty of ways to customize your policy, with a wide range of deductible and annual coverage options. You can buy a wellness plan to get coverage for expenses like vaccinations, teeth cleaning and heartworm preventives.
MetLife covers hereditary and congenital conditions, alternative therapies and periodontal disease. It will also cover burial, cremation and even grief counseling in some states.
$15,000 The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$250, $500, $1,000 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 and cons
Pros
Three plans for pet owners to choose from.
Discounts for current customers, active military and veterans.
Covers behavioral therapy and alternative medicine in most states.
Cons
Won’t pay your vet directly.
May not cover osteoarthritis.
No unlimited coverage option available.
Bottom line
Liberty Mutual offers three plans to choose from to help you customize your coverage.
Why it’s the best
Liberty Mutual offered some of the lowest monthly rates for our sample dogs and cats in Jacksonville. You can choose from three tiers of coverage. The basic level covers only accidental injuries, while the second level adds illness coverage. The most inclusive package also covers wellness exams and other routine expenses.
Liberty Mutual has a 14-day waiting period for all coverage, including orthopedic injuries. (Some companies have extended waiting periods of six months to a year for certain orthopedic conditions.)
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100, $250, $500 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 and cons
Pros
Covers horses in addition to cats and dogs.
Standard plans cover alternative therapies, behavioral issues and congenital conditions.
Shorter waiting period than most plans for cruciate injuries (14 days).
Cons
You must call rather than getting an online quote if you’re interested in unlimited annual coverage.
Bottom line
ASPCA offers generous coverage and multiple plan options, including an accident-only policy.
Why it’s the best
ASPCA’s policies include coverage that some companies charge extra for, such as sick exam fees, prescription food and supplements, behavioral issues, and alternative medicine. They even pay for microchip implantation. If you also want 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, so it may be a good bet if your furry friend is a senior. Got more than one pet? ASPCA offers a 10% multipet discount.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $28
Cat: $14
*ASPCA plans had a $4,000 annual coverage limit.
Best pet insurance in Florida for older animals
Older pets tend to have higher pet insurance premiums, so 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.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Here are the cheapest insurers we found in Florida for dogs and cats, based on quotes we gathered in Jacksonville. Unless we've noted otherwise, our sample pets were 2- and 8-year-old mixed-breed dogs and cats with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.
Your own prices may be different depending on where you live, the coverage you choose, and your pet’s age and breed.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
$26
*ManyPets plans had unlimited annual coverage. ASPCA plans had a $4,000 annual coverage limit.
Cheap pet insurance in Florida for older dogs
Below are the lowest monthly rates we found for 8-year-old dogs in Jacksonville.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
$56
*ManyPets plans had unlimited annual coverage. Kanguro plans had a $200 deductible. ASPCA plans had a $4,000 annual coverage limit.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
$14
*ManyPets plans had unlimited annual coverage. Kanguro plans had a $200 deductible. ASPCA plans had a $4,000 annual coverage 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.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
$27
*Kanguro plans had a $200 deductible. ManyPets plans had unlimited annual coverage. ASPCA plans had a $4,000 annual coverage limit.
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to pet insurance; a company's rating for other products may be different on our site. See our criteria for evaluating pet insurance companies.
NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Pet insurance sample rates
To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons.
Each plan had a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate. We customized the plans as necessary when those limits weren’t available. Our sample pets were a medium-sized, mixed-breed dog and a domestic shorthair (mixed-breed) cat. We gathered rates for pets aged 2 and 8 years old.
These are sample rates gathered for specific pets in a select ZIP code. Your own rates will be different.
