Florida is a state where pets can constantly bathe in the sunshine and indulge in several outdoor activities, but it is also just as important to insure your pet. With pet insurance, you can ensure you have coverage for unforeseen accidents, illnesses, and injuries involving your pets. More so, there are other benefits with pet insurance such as preventative care, so you can maintain your pet’s health regularly.
Pet insurance can also reduce the burden of having to choose between your financial situation and your pet’s health needs. To help you with the process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality in Florida to assist you with making the best decision for your pet.
ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.
Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.
Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.
Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.
Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.
Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.
Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.
Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.
With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.
If you’re a pet owner, pet insurance is considered a worthwhile investment for Florida residents. With several types of venomous snakes living in the state, they can pose a serious threat to pets. Coral snakes which are common in Florida can poison all kinds of pets and farm animals as well. You might also want to pay attention to the Florida Fish and Wildlife Conservation Commission’s warning to pet owners about the deadly bufo toad, which emits a milky-white toxin called bufotoxin. If this toxin comes in contact with your pet, it can be extremely harmful and life-threatening.
With the dangers in Florida, it is extremely valuable to you have pet health insurance in place. By purchasing pet insurance for your pet, you can help cover some of the costs that come with veterinary treatment bills for injuries and diseases. Emergency hospital visits, medications, and preventative care are also covered under a pet insurance policy.
The major types of pet insurance coverage plans in Florida include:
In Florida, pet insurance companies cover expenditures from accidents to illnesses such as hip dysplasia, inherited problems, chronic conditions, and cancer. Other issues within this coverage include:
The following is a list of exclusions you should be aware of when looking at pet insurance policies:
Before calculating the price of pet insurance in Florida, the insurer verifies the price by considering the pet’s breed, age, species, and a few other factors. The type of plan you select also determines the monthly premium you will pay.
The type of pet plays a big role in determining the cost of pet insurance. Cats, for example, are typically less expensive to insure than dogs, as are birds, ferrets, rabbits, and reptiles. On average, a three-year-old Golden Retriever dog costs $35 to $45 per month to insure whereas a three-year-old Domestic Shorthair cat costs $20 to $25 each month.
The veterinary costs in Florida is on the higher end of the spectrum due to the domestic and exotic pets you are allowed to own. The typical cost of veterinarian services for cats and dogs ranges anywhere from $1500 to $5000, depending on the requirements for veterinarian care. Also keep in mind, the quality of care, the medical equipment required for treatment, and the maintenance costs are all reflected in your veterinarian bill.
When you are considering a pet insurance policy, there are a few key factors that can help you with the process. Consider the following when making your decision:
