The Best Pet Insurance in Florida for 2025

If you’re looking to buy pet insurance in Florida, you’ve got plenty of options. More than a dozen pet insurance companies operate in the Sunshine State. NerdWallet compared rates and policies from these insurers to help you find the best pet insurance in Florida.

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. That makes it easier to find a plan you can afford.

MetLife’s accident and illness plan comes with generous coverage. It pays for hereditary and congenital conditions, alternative therapies and dental disease. It will also cover burial, cremation and even grief counseling in some states.

Learn more with our MetLife pet insurance review.

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 pays for yearly checkups and other routine expenses.

We like Liberty Mutual's simple 14-day waiting period for all coverage, including orthopedic injuries. Some other companies make you wait six months to a year before they’ll cover certain orthopedic conditions.

Learn more with our Liberty Mutual pet insurance review.

Why it’s the best

ASPCA’s policies include coverage that some companies charge extra for, such as sick exam fees, prescription food, behavioral issues and alternative medicine. They even pay for microchipping. If you also want reimbursement for spay/neuter surgery or dental cleaning, you can pay extra for a wellness plan.

ASPCA has no upper age limit for enrollment, so it may be a good fit if you have a senior pet. Got more than one furry friend? ASPCA offers a 10% multipet discount.

Learn more with our ASPCA pet insurance review.

The best pet insurance in Florida by age

Still undecided? Check out all the pet insurers in Florida that earned a 5-star NerdWallet rating.

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.

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 mixed-breed dogs and cats with the same coverage limits as above.

» MORE: The best pet insurance companies

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.

» MORE: Is pet insurance worth it?

How to choose the best pet insurance

Look beyond price. Cost is important, but it shouldn’t be your only consideration. Say Plan A costs $10 more a month than Plan B, but it includes coverage for exam fees and alternative therapies. If you have to pay extra to get these types of coverage with Plan B — or they’re not available at all — you might find Plan A a better value.

Learn about the claims process. If one pet insurer generally processes claims within two days while another takes up to a month, you may want to go with the quicker one. That way you’re not waiting for weeks to get reimbursed. Even better, keep an eye out for pet insurers that can pay your vet directly.

Read reviews. NerdWallet has researched dozens of pet insurance companies so you don’t have to. Read our pet insurance reviews to see our star ratings and get coverage details.

» MORE: What does pet insurance cover? Read our complete guide

How to find more affordable pet insurance

Shop around. We recommend getting quotes from at least three different pet insurance companies to find the best price. To ensure a fair comparison, make sure you’re looking at plans with similar deductibles, reimbursement rates and annual limits.

Adjust your plan. Most pet insurance plans can be tailored to your needs and budget. To get a lower price, you can raise your deductible or choose a lower reimbursement rate. Just be prepared to pay more out of pocket at the vet.

You can also choose less coverage — for example, by selecting $5,000 of annual coverage instead of $10,000 or more. But if your pet gets seriously sick and racks up vet bills above that amount, you’ll have to pay the difference.

Ask about discounts. Some companies offer savings to select customers, such as members of the military or those who insure more than one pet.

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.