The 7 Best Pet Insurance Companies in Florida (2023)

ASPCA Pet Health Insurance

Most pet insurance providers allow you to customize your monthly rate. By increasing your deductible and decreasing your coverage cap, you can lower your monthly cost. However, you may pay more out-of-pocket when you take your pet to the vet.

Most pet insurance companies will determine how much your plan costs based on your pet’s age, breed and location. For instance, plans for older dogs that are considered a “high-risk” breed will cost more than plans for younger dogs. 

Additionally, the same coverage plan for the same pet can vary depending on where you live. That means that the same plan someone buys in Tampa might not be the same price for someone in Miami. 

 

 

 

 

 


 

Methodology: Our System for Ranking the Best Pet Insurance Companies

Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, scoping quotes and purchasing processes by secret shopping, speaking to representatives on the phone to assess the customer service experience, and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage.

We scored each provider on a 100-point scale based on those elements. We then divided this final score by 20 to calculate an overall star rating out of 5.0 stars.

Here are more details about each factor and how it’s weighted:

  • Monthly pricing (25 points): The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
  • Plans (15 points): The top pet insurance companies offer accident-and-illness plans, accident-only plans and wellness or preventive care add-ons to give customers the option to choose a plan that’s best for their pet.
  • Covered treatments (15 points): We scored companies based on the treatments and procedures they cover. Companies with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies.
  • Customization options (10 points): Providers with more annual-limit, deductible and reimbursement-rate options earned the highest scores.
  • Customer care (10 points): We scored companies on their website accessibility and overall usability, customer service availability, mobile apps (if any), money-back guarantees and veterinarian telehealth options, awarding points to the insurers with more customer experience offerings.
  • Industry reputation (10 points): We reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) and scored companies on their years of experience in the industry and their state availability.
  • Waiting periods (10 points): Companies with shorter accident, illness and orthopedic waiting periods between the sign-up and coverage start date scored higher than companies with longer waiting periods.
  • Eligible age (5 points): Some companies don’t offer policies for pets that are over a certain age. We deducted points from providers that have age limits for covered pets.

We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. To learn more, read our full pet insurance methodology for reviewing and scoring providers.

 


 

Faith Wakefield is a writer based in North Carolina. She holds economics and English degrees from UNC Chapel Hill, and her work has been featured on EcoWatch, The World Economic Forum and Today’s Homeowner. In her free time, she loves to binge-watch personal finance videos on YouTube, collect books and spend time in nature.

Tori Addison is an editor with over five years of experience in the digital marketing industry. Her includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Patrik Holmboe lives in Amsterdam and currently serves as Head Veterinarian for Cooper Pet Care, the leading veterinary telemedicine provider in the Netherlands. He has previously worked for over five years as a companion-animal vet in Australia, Dubai and the Netherlands.