Insuring Your Pet in Florida

Pet insurance you can personalize 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.  

Why We Recommend Pet Insurance if You Live in Florida

Pets 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 reptile encounter, harsh weather, or even a day at the beach. We’ve laid out a list of some of the most common claims and worries from our Floridian pet parents: 

illustration of a hot sun

Environmental Allergies

It's not surprising to us that one of the most common diagnoses among our Florida pets is allergies. With high temperatures and humidity in most areas of Florida, pollen is in the environment all year round, and when the summer rains begin, mold becomes a problem as well.  Many Floridians have St. Augustine grass or Bermuda grass, both common allergens for pets. The veterinary costs to diagnose and treat allergies in pets can add up, especially if the allergies are ongoing.

illustration of a toad

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 what might be mistaken by your pet as an interesting chew toy, you could end up shelling out thousands of dollars to cover the emergency vet bills. One of our pet parents, Kay, had to learn about these poisonous toads the hard way:

French bulldog at the beach

Maddy Bites a Bufo Toad Near Miami Beach

What started out as a curious bite during a playful game of fetch ended up a seven-day stay at the emergency vet. 

Vet Bill: $5,376.47

Embrace Reimbursed: $4,301.18

Read Maddy's Full Story

illustration of a plant

Toxic Plants

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

illustration of a snake

Venomous Snake Bites 

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. Depending on the severity, we've seen vet bills ranging from hundreds to thousands of dollars from one single snake bite.

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.

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

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Fetch your personalized quote faster than an afternoon rain in Florida. 

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!) Learn more about the details of our coverage here.

  • Accidents

  • Dental Illnesses

  • Cancer

  • Behavioral Therapy

  • Illness

  • Specialty Care

  • Chronic Conditions

  • Breed-Specific & Genetic Conditions

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 preventative care, we offer a flexible Wellness Rewards plan, which is the purrfect complement to your insurance policy. 

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.

*Estimates based on quotes by Embrace Pet Insurance