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 from these insurers to help you find the best pet insurance in Florida.
Best pet insurance in Florida
MetLife: Best overall.
Liberty Mutual: Best budget pick.
ASPCA: Best for comprehensive coverage.
- 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.
Best overall: MetLife
MetLife
MetLife sells customizable plans for dogs, cats and even other animals in some states.- 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.
- No option to have the company pay your vet directly.
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 add 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.
Learn more with our MetLife pet insurance review.
Best budget pick: Liberty Mutual
Liberty Mutual
Liberty Mutual offers three plans to choose from to help you customize your coverage.- 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.
- Won’t pay your vet directly.
- May not cover osteoarthritis.
- No unlimited coverage option available.
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.)
Learn more with our Liberty Mutual pet insurance review.
Best for comprehensive coverage: ASPCA
ASPCA
ASPCA offers generous coverage and multiple plan options, including an accident-only policy.- 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).
- You must call, rather than get an online quote, if you’re interested in unlimited annual coverage.
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.
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.
Company | NerdWallet star rating | Sample monthly rates |
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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.
Company | NerdWallet star rating | Sample monthly rates |
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» MORE: The best pet insurance companies
Cheap pet insurance in Florida
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.
- Jump to the cheapest rates for your pet
Cheap pet insurance in Florida for young dogs
Below are the lowest monthly rates we found for 2-year-old dogs.
Company | NerdWallet star rating | Sample monthly rate |
|---|---|---|
$18 | ||
$20 | ||
$21 | ||
$23 | ||
$26 | ||
$27 | ||
$29 | ||
$31 | ||
$32 | ||
*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.
Company | NerdWallet star rating | Sample monthly rate |
|---|---|---|
$29 | ||
$47 | ||
$54 | ||
$60 | ||
$63 | ||
$63 | ||
$68 | ||
*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.
Company | NerdWallet star rating | Sample monthly rate |
|---|---|---|
$8 | ||
$9 | ||
$10 | ||
$13 | ||
$15 | ||
$15 | ||
$15 | ||
$16 | ||
$16 | ||
*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.
Company | NerdWallet star rating | Sample monthly rate |
|---|---|---|
$17 | ||
$19 | ||
$22 | ||
$27 | ||
$27 | ||
$29 | ||
$30 | ||
*The Kanguro plan had a $200 deductible. | ||
» MORE: Is pet insurance worth it?
Why you can trust NerdWallet
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.
Learn more about Florida insurance |
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Pet insurance star rating methodology
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 rate methodology
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.
