Best Pet Insurance In Florida: Compare Plans & Prices

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Florida is known for its relaxing beaches and beautiful sunshine, which explains why so many dog lovers choose to reside here. Unlike many other states, you can comfortably spend time outside with your dog year-round since temperatures are less harsh in the winter months.

Unfortunately, all that fun in the sun can also increase the chances of your dog having an accident or becoming ill. We’re not saying you should keep your dog cooped up inside 24/7, but we are saying you can protect your wallet in case your dog lands wrong during a game of fetch or steps on something sharp on the beach. Pet insurance can help you focus on your dog’s health without worrying about what it will do to your bank account.

All of our top-ranked pet insurance providers offer coverage in Florida. The monthly premium is based on your dog’s breed, zip code, pre-existing health conditions, age and more.

Article Overview

Most Popular Dog Breeds In Florida

Below is a list of the most popular dog breeds in Florida as well as some cities in the state.1,2,3

  1. Labrador Retriever
  2. German Shepherd
  3. French Bulldog
  4. Golden Retriever
  5. Bulldog
  6. Poodle
  7. Rottweiler
  8. Dachshund
  9. Yorkshire Terrier
  10. Boxer


  1. German Shepherd
  2. French Bulldog
  3. Labrador Retriever
  4. Golden Retriever
  5. Rottweiler


  1. French Bulldog
  2. Labrador Retriever
  3. Golden Retriever
  4. German Shepherd
  5. Samoyed
  6. Rottweiler
  7. Bulldog
  8. Siberian Husky
  9. Maltese
  10. Yorkshire Terrier


  1. French Bulldog
  2. Golden Retriever
  3. Labrador Retriever
  4. German Shepherd
  5. Bulldog
  6. Poodle
  7. Rottweiler
  8. Boxer
  9. Doberman Pinschers
  10. Yorkshire Terrier

West Palm Beach

  1. Bulldog
  2. Labrador Retriever
  3. French Bulldog
  4. German Shepherd
  5. Golden Retriever
  6. Yorkshire Terrier
  7. Rottweiler
  8. Maltese

How Much Does Pet Insurance Cost In Florida?

We ran quotes with our best-rated pet insurance providers for plans in Florida (see below). We chose breeds based on the list of popular dog breeds above. None of the quotes we ran were for pets with microchips or pre-existing conditions.

Please know that you should expect small annual increases for any pet insurance provider based on vet costs rising or more claims being submitted in the location where you reside. So just because you are quoted $30 per month does not mean it will stay that price for the life of your pet.

All quotes are from September 2019.

CompanyDeductibleReimbursementLimit AmountMonthly PriceZipcodeGenderBreedAge
Healthy Paws logo$10080%Unlimited$49.1733403 (West Palm Beach)MaleLabrador Retriever1 Year Old
Pets Best logo$10080%Unlimited$71.1433403 (West Palm Beach)MaleLabrador Retriever1 Year Old
FIGO logo$10080%Unlimited$88.8033403 (West Palm Beach)MaleLabrador Retriever1 Year Old
Healthy Paws logo$50070%Unlimited$74.5332804 (Orlando)FemaleFrench Bulldog4 Years Old
Pets Best logo$50070%Unlimited$40.2832804 (Orlando)FemaleFrench Bulldog4 Years Old
FIGO logo$50070%Unlimited$74.1232804 (Orlando)FemaleFrench Bulldog4 Years Old

We suggest you read our pet insurance reviews to find out why we chose these 3 companies as the best. Keep in mind that coverage details and customer service are important factors too, not cost alone.

We recommend obtaining quotes from at least 3 different companies to see what price range you are looking at. You can obtain free quotes from multiple insurance companies here.

What Cities In Florida Are Pet-Friendly?

Below are the most pet-friendly cities in Florida based on the 100 largest U.S. cities, according to WalletHub.4 Note: Cities that fall outside of Florida were excluded from our table.

 Most Pet-Friendly CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***
St. Petersburg36465627

*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit and dog insurance premiums.

**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, share of pet-friendly hotels, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita and strength of animal protection laws.

***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita and dog shows per capita. 

Florida Pet-Friendliness Statistics

There are some other notable statistics you might like to know regarding cities in Florida.4

  • Based on 100 of the largest U.S. cities:
    • Miami, Orlando and Tampa are tied (with 3 other cities) for having the most veterinarians per capita
    • Miami is the 5th best city for most pet businesses per capita
    • Orlando is tied (with 5 other cities) for having the most dog-friendly restaurants per capita
    • Hialeah (located in Miami-Dade County) is tied (with 3 other cities) for having the fewest dog parks per capita

Pet Insurance Stories In Florida

Below is a real-life pet insurance story from a customer in Florida.

Cruciate Ligament Surgery

  • Dog’s Name: Jaws
  • City: Miami
  • Total Vet Cost: $7,400
  • Healthy Paws Reimbursement: $6,560

Jaws started limping so his pet parent, Thomas, took him to a specialist. An MRI showed a cranial cruciate ligament tear that required surgery. Healthy Paws Pet Insurance reimbursed more than 85% of the vet expenses, and Thomas was able to focus on Jaws’ health instead of his wallet.

Should I Get Pet Insurance?

Pet insurance can help you be more prepared for those unexpected vet bills. Just like human health insurance, pet insurance can help you financially during an emergency. Instead of focusing on your bank account, you can focus on the treatment and recovery of your pet. Learn more about why pet insurance is worth it.

What breed is your dog and where do you live in Florida?

Sources: [1] Spectrum, [2] Miami Herald, [3] Dogisto, [4] WalletHub

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories and more. Her natural curiosity helps her research as she seeks the truth when learning about, comparing and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs.

Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child. In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly's research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today.

One of Kimberly's favorite pastimes is spoiling Sally with new toys, comfy beds and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs, and knows the bond between humans and canines is like no other.

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

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