Insuring Your Pet in Florida 

Warm up to insurance personalized to your pet with coverage at every neighborhood vet along the gator trail from Tallahassee to Daytona, Orlando to Tampa, Ocala to Miami, and everywhere else throughout the Sunshine State and beyond.  


Why We Recommend Pet Insurance if You Live in Florida 

Our four-legged friends have a knack for coasting into trouble. And in Florida, they don’t have to go far to find it. Trouble can come from a crazy critter encounter, harsh weather, or even a day at the beach. We’ve laid out a list of some of the most common claims from Floridian pet parents: 

Extreme Heat

Extreme Heat

Florida isn’t called the Sunshine State for nothing! With high temperatures and humidity all year long, it can be dangerous for your pets to be out and about with the risk of overheating, dehydration, and even heatstroke.    

Bufo Toads

Bufo Toads

These poisonous critters call Florida home, and small doses of venom can cause severe reactions in cats and dogs within minutes. These toads are active all year long, so constant vigilance is needed when you have playful and curious pets. 

Toxic plants

Toxic Plants

The climate in Florida provides the perfect habitat for both indoor and outdoor plant varieties. But some vegetation can be deadly to our canine and feline family members, so make sure they’re not calling your backyard home.  

snake icon

Venomous Snakes

Three different species of rattlesnakes (pigmy, eastern diamondback, and timber rattlesnakes) are natives of Florida. Easily agitated and possessing deadly venom, they’re a slithery surprise your pal doesn’t want to find while exploring. 

Maddy - French Bulldog

French Bulldog Bit Bufo Toad Near Miami Beach 

A playful game of catch that ended at the emergency vet. Maddy’s pet parents were thankful they’d insured their furry friend. 

Vet Bill: $5,376.47
Embrace Reimbursed: $4,301.18

Discover the Details

Visit Any Veterinarian or Pet Hospital in Florida

No networks, no hassle. With Embrace Pet Insurance you can visit any general, specialist or emergency veterinarian in Florida, across the United States, or even around the globe. No matter what licensed vet you see, you’re covered.

quote-icon

I’ve had Embrace for more than a year now and I love it! It’s economical and they are super fast with claims! Will not switch for anything in this world! I pay extra for the Wellness plan but it’s so worth it!
Sandy G.  |  Orlando, FL

How Much Does Pet Insurance Cost in Florida?

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors. 

Below are a few estimates to give you a better idea of what pet insurance might cost in Florida. 


Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

Estimates based on quotes by Embrace Pet Insurance

What All Is Covered by Pet Insurance in Florida? 

Embrace’s comprehensive pet insurance covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Dig into all the doggone details of our coverage. 

accidents icon   Accidents
Illness Icon   Illness
dental icon   Dental Illnesses
ER care icon   Specialty Care
cancer icon   Cancer
Chronic Conditions icon   Chronic Conditions
Behavioral Therapy icon   Behavioral Therapy
breed icon   Breed-specific
& Genetic Condition

quote-icon

The process is so easy, especially since I can upload pictures of the documents using the app on my phone... I always recommend Embrace to my friends, family, and colleagues when they are looking for pet insurance.
Kristina  | Trinity, FL

What’s Not Covered?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom- and treatment-free for 12 months.


We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.

For routine and preventive care, we offer a flexible Wellness Rewards plan, which is the purrfect complement to your insurance policy.

quote-icon

I could not possibly be Happier with the service and with a payment of claims by Embrace... To my pleasant surprise Embrace has done everything they said they would do, pay the claims timely and have been a big help to my wife and I. Thank you very much.
Ken  |  Jacksonville, FL

How Does Pet Insurance Work in Florida?

With Embrace, pet insurance is simple: Visit any vet, submit a claim, and we get to work reimbursing you.

We make the claims process so easy your pet could practically do it. Just complete our claims form (a few, simple questions), grab an itemized invoice from your vet, and submit both digitally – because who has time to print and fax or snail mail? That’s all. You’re done!

We even offer direct deposit so you can get reimbursed quicker.

Connect with Us

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.