Pet insurance in Florida featured image

Pets have a great life in the Sunshine State but there are many reasons why you should get pet insurance in Florida

We’re jealous of any pet parents that live in Florida, with its hot climate and laid-back lifestyle, it’s a dreamy place to live. But like with any state, there’s also a diverse range of environments that bring their own benefits and risks to our beloved pets – which is why you need pet insurance in Florida.

Florida is the Sunshine State of America, surrounded by gorgeous coastline with even the coldest months still boasting an average temperature of 59°F. If you want to take advantage of the blue skies, there’s no shortage of beautiful beaches to walk your dog. Or, if you prefer to soak up the AC in your apartment with your feline friend, you’ll find plenty of bustling towns and cities in the state including Miami, Naples, and Sarasota.

Pet-friendly theme parks

Florida is also home to two of the world’s most famous pooches, Goofy and Pluto, as Disney’s theme parks are found in the attraction-packed city of Orlando. Here you can find more than twelve theme parks for the whole family, with thrill-seeking coasters, water slides and characters galore. If you want to visit a park that's pet-friendly, however, head to Dinosaur World in Plant City or choose from a long list of stunning trails including Biscayne National Park and Dry Tortugas National Park.

“Pets are at risk from animal attacks – a snake bite could set you back $8,000”

If you’re taking your pet to enjoy Florida’s natural beauty, be wary of sago palms, eucalyptus and azaeleas, which are all toxic to dogs and could cause vomiting, nausea and breathing difficulty. This could be especially dangerous amongst dogs like Pugs and Labradors who love to eay anthing and everything. If you insure your pet for Eucalyptus poisoning, you may save yourself between $500-$900, and also bring yourself peace of mind as you explore new territory.

Beauty and beasts

The other nickname for Florida is Alligator State, thanks to the large number of snappy residents, and that can be a problem for pet parents and their pets living near areas of water or the Everglades. There are several different animals that may pose a risk to your pet including panthers, bears, fire ants, cane toads and snakes. So, when a snake bite could cost you up to $8,000 to treat, and emergency treatment for cane toad poisoning could save your pet’s life, it’s a good idea to take out sufficient pet insurance.

Did you know?

The Florida Cracker Cur dog breed was introduced to the state by the Spanish in 1539

Besides rollercoasters and exotic wildlife, Florida is most known for its miles of sandy beaches which are perfect for dogs who love a swim. There’s plenty of designated dog beaches and even activity providers who cater for pet parents and their pets. Just be wary of taking your pet out in hot weather as dogs are unable to self-regulate their own body temperature and are susceptible to sunstroke – which could cost you up to $5,000 to treat in one hit. It’s also worth remembering that some beaches in Florida experience a phenomenon called Red Tide, which can be harmful to marine life, pet parents and pets alike.

City life in Florida

If you live in a more urban area or a large city your vet bills may be higher, and therefore your insurance might be too, due to pollution-related health problems and higher risk of theft or a road accident. Fort Lauderdale is the most expensive area to be a pet parent, followed by Miami, Orlando and Sarasota.

Florida law in most areas requires all dogs to be on a leash when in public and makes it illegal for a dog to be left unattended in the car. Passers-by who think your dog may be at risk from heat exhaustion are able to call 911 and break the car window to save it, under “Good Samaritan” laws.

Why get pet insurance at all?

At Petted, we sincerely believe that pet insurance is a must for all pet parents, whether you live in New York, North Carolina or Nebraska. It doesn’t matter if you’re a city- or country-dweller, if you have a Bull Mastiff or a Burmese, your beloved pet is at risk from injury, illness and inherited conditions – and these things can cost a lot of money to fix.

If you don’t have a very large savings account then you run the risk of either getting into a ton of debt (we’re talking tens of thousands of dollars in some cases) or – and we hate to think about this – not being able to pay for your pet’s treatment and having to either give them up or, tragically, have them euthanized.

So, for the sake of a few dollars a month, please buy yourself some peace of mind and your pet a healthier, more secure future. To find the best pet insurance policy for where you live, click here. We'll fetch you the perfect quotes in less than a minute.

Plan Coverage

It’s a real worry when your pet gets sick. But with plenty of reimbursement options available, pet insurance can help cover up to 100% of veterinary costs for new accidents and illnesses – plus much more.

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Accidents

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X-rays, CT scans & MRI's

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Illnesses

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Medication

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General check ups

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Follow up care

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Cancer

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Allergies

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Surgery

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Diagnostic tests

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Anaesthetic

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Emergency care

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Chronic illnesses

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Congenital conditions

How much does pet insurance cost in Florida?

Breed Area Age Annual Coverage Typical Premium
Mixed medium Icon

Mixed medium

Miami

3 months

$5,000

$20.85

Golden Retriever Icon

Golden Retriever

Orlando

3 years

Unlimited

$36.86

Chihuahua Icon

Chihuahua

Tampa

6 years

Unlimited

$20.94

Domestic Shorthair Icon

Domestic Shorthair

Jacksonville

3 months

$5,000

$10.35

Domestic Shorthair Icon

Domestic Shorthair

Tallahassee

4 years

$5,000

$7.28

What do Florida residents think about pet insurance?

Excellent
star star star star star
4.92 34,535

“Just three weeks into owning our Labrador puppy, she got out of the back yard and ran into the street. A passing cyclist didn’t see her in time and the collision broke her back leg. We rushed her straight to our local vets who were able to X-Ray, prescribe pain control and cast her leg. Our pet insurance saved us over $2,000 and meant we could afford emergency treatment.”

Deborah
Fort Myers

“Our boy Hunter is a Great Dane so he was never the bounciest of dogs, but he was starting to limp and one day struggled to get up or move his hind leg. The vet diagnosed him with Hip Dysplasia and gave us a heads up about the expensive surgery which might be needed. Having pet insurance meant I was able to concentrate on getting him up and running again instead of worrying about the cost of treatment – which was at least $1,000 in medication and physical therapy alone.”

Jacob
Tallahassee

“My Springer Spaniel was swimming next to my board when a huge wave hit us and he was taken under for a few minutes. I didn’t hesitate in spending near $8,000 to get his oxygen levels back to normal because I knew his pet insurance would cover it. He received life-saving treatment and I know that the insurance saved him from drowning. I wouldn’t have been able to afford the lengthy vet stay and health monitoring without it.”

Javier
Clearwater

What’s the best pet insurance in Florida?

Provider Customer Review Score Waiting Period Minimum Enroll Age Maximum Enroll Age Pricing

50% off routine wellness plans

1.

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4.9

14 days for illnesses 48 hours for accidents No wait for switching direct from another provider

8 weeks

No age limit

$

Get a quote

5-star-rated Forbes pet insurer

2.

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4.8

14 days for illnesses 
48 hours for accidents

6 weeks

14 years old

$$

Get a quote

3.

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4.6

14 days for illnesses 
3 days for accidents

7 weeks

14 years old

$

Get a quote

4.

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4.5

14 days for illnesses 
2 days for accidents

8 weeks

14 years old

$$

Get a quote

5.

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4.3

15 days

8 weeks

14 years old

$$

Get a quote

Can pay claims directly to your vet

6.

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4.2

30 days for illnesses 
5 days for accidents

No lower limit

14 years old

$$$

Get a quote

7.

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4.0

14 days, including knee injuries and hip dysplasia

8 weeks

No age limit

$$$

Get a quote

8.

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4.0

14 days

No lower limit

No age limit

$$$

Get a quote

9.

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3.9

14 days for illnesses One day for accidents

8 weeks

No age limit

$$

Get a quote

Pet insurance alternative: emergency plan

10.

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3.8

14 days

No lower limit

14 years old

$

Get a quote

11.

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3.8

14 days for illnesses 
2 days for accidents

8 weeks

No age limit

$$

Get a quote

12.

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3.6

15 days for accidents 
and illnesses 30 days for cancer

8 weeks

No age limit

$$

Get a quote