A person in a burgundy sweater kneels on grass beside a happy, panting black and white dog wearing a red collar, viewed from above within a curved purple frame, conveying a warm, friendly atmosphere for Embrace Pet Insurance.

Miami Pet Insurance

From Brickell to Coconut Grove, help protect your pet in America's tropical paradise.

• Use any licensed vet in Miami-Dade County

• Reimbursement up to 90%

• Affordable protection for South Florida's unique tropical risks

How Much Does Pet Insurance Cost in Miami?

Here's what current Miami pet owners are paying with Embrace Pet Insurance.

DOG INSURANCE

$20-$70 per month

Average monthly premium for Embrace dogs in Miami. Your price depends on your pet's breed, age, and the coverage you choose, including annual limit, reimbursement percentage, and deductible.¹

CAT INSURANCE

$10-$30 per month

Average monthly premium for Embrace cats in Miami. Your price depends on your pet's breed, age, and the coverage you choose, including annual limit, reimbursement percentage, and deductible.¹

USE ANY LICENSED VET

No network restrictions. Visit any licensed vet in Miami-Dade County or anywhere else in the U.S.

UP TO 90% BACK

Choose your reimbursement level. Get up to 90% back on eligible vet bills.

Real Pet Insurance Quotes in Miami

Miami's diverse neighborhoods come with varying vet costs across the metro area. Your Miami pet insurance rate is influenced by factors such as your pet's age, breed, location, and coverage selections. Other rating considerations may also apply, varying by state and policy.

Dog Insurance Costs

Most Miami dog owners with pet insurance pay $20-$70 monthly with Embrace¹, but here are some real monthly prices from around Miami:

Breed	Age	Zip	Neighborhood	Starting at
Maltipoo	1 year	33139	South Beach	$22.55
Mixed Breed (Toy)	5 years	33131	Brickell	$25.79
Chihuahua	2 years	33133	Coconut Grove	$19.66
Havanese	8 months	33134	Coral Gables	$28.79

Cat Insurance Costs

Most Miami cat owners with pet insurance pay $10-$30 monthly with Embrace¹, but here are some real monthly prices from around Miami:

Breed	Age	Zip	Neighborhood	Starting at
Domestic Shorthair	4 years	33131	Brickell	$22.85
Bombay	3 years	33149	Key Biscayne	$28.45
Devon Rex	10 months	33127	Wynwood	$26.21
Exotic	1 year	33145	Little Havana	$26.40

*Based on 70% reimbursement, $1,000 deductible, $5,000 annual coverage

What Miami Vets Actually Charge

Pet insurance in Miami helps shield you from South Florida's rising veterinary costs. A single unexpected emergency visit can drain your savings without proper coverage:

Common Miami Procedures	Average Bill
Intestinal obstruction	$4,149
Paralysis	$3,142
Aspiration pneumonia	$2,061
Injury of eyeball	$1,687
Back pain	$1,640
Hit by car	$1,582
Insect sting	$1,289
Foreign body	$1,217

* Based on Embrace claims from Miami policyholders (in 2025).

See What Real Pet Parents Think of Embrace

Don't just take our word for it. Hear from pet parents who've been there when it mattered most.

Finding the best pet insurance means more than just price. Here's why Miami pet parents trust us:

Miami's Unique Pet Health Risks

Living in the Magic City brings specific challenges that many pet parents don't anticipate until they're facing a vet emergency.

Year-Round Tropical Heat & Humidity

Miami's tropical climate poses constant threats to pet safety. Summer temperatures regularly exceed 90°F with humidity levels often above 80%, creating dangerous heat index conditions that make cooling nearly impossible for pets. Unlike other cities with seasonal relief, Miami stays hot and humid year-round. Even winter months average 75°F with high humidity. Pavement temperatures can reach 130°F or higher, causing severe paw pad burns within seconds. Sand on beaches gets scorching hot by mid-morning. Indoor pets face risks when power outages disable air conditioning, and dehydration happens quickly during any outdoor activity.

Hurricane Season & Tropical Storm Dangers

Miami sits in one of the most hurricane-vulnerable locations in the United States. The six-month hurricane season (June through November) brings powerful storms that can devastate communities with little warning. Pets face injuries from flying debris and shattered glass, separation from families during mandatory evacuations, contaminated floodwater exposure, and prolonged power outages that eliminate air conditioning for days. Storm surge in coastal areas and widespread flooding from tropical downpours create additional hazards that can appear within hours.

Beach, Ocean & Waterway Hazards

With miles of beaches and waterways, water hazards are everywhere in Miami. Saltwater ingestion at beaches causes dangerous electrolyte imbalances and severe dehydration. Portuguese man-of-war and jellyfish wash up on shores and deliver painful, sometimes dangerous stings. Stingrays in shallow water can inflict painful wounds requiring immediate care. Strong currents and riptides pose drowning risks for dogs who love to swim. Biscayne Bay and coastal canals harbor bacteria that can cause serious illness if pets drink or swim in contaminated water.

Wildlife Encounters

Miami's subtropical environment means wildlife encounters are part of daily life. Sometimes in unexpected ways. Alligators inhabit virtually any body of fresh water, from golf course ponds to backyard canals. Venomous snakes including cottonmouths (water moccasins), eastern diamondback rattlesnakes, and coral snakes live throughout the area. Miami also has a unique challenge: invasive green iguanas are everywhere, and curious pets who chase or bite them risk serious injury or illness. Fire ants deliver painful, potentially dangerous stings year-round. Coyotes have adapted to suburban neighborhoods and prey on small pets.

Year-Round Parasites & Tropical Pests

Miami's warm, humid climate allows parasites to thrive every single day of the year. Mosquitoes carrying heartworm disease are active 365 days annually, making year-round prevention absolutely essential. There is no winter break from heartworm risk in Miami. Fleas and ticks never go dormant and can infest pets and homes any time. The tropical climate also supports pests like sand flies along coastal areas that cause painful bites.

This heartwarming photograph shows a man in a bright red t-shirt enjoying a leisurely walk across a lush green lawn with his handsome Pit Bull Terrier.

Hurricane Season in Miami: Your Pet's Safety Net

Hurricane season officially runs June 1st through November 30th, and Miami is among the most hurricane-exposed major cities in the nation. When major storms approach, having pet insurance means one less thing to worry about during an already stressful time.

Your Coverage Travels with You

When evacuation orders come, your Embrace coverage goes wherever you do. Orlando, Tampa, Georgia, or anywhere in the U.S.—you can visit any licensed vet with zero network restrictions. Eligible storm-related emergencies are covered no matter which state you evacuate to. With Miami's population size, evacuation routes fill up fast and you may end up farther than planned; your coverage keeps up.

The Real Cost of Hurricane Injuries

Hurricanes bring more than wind and rain. Pets suffer lacerations from flying debris and broken glass that require stitching and antibiotics. Storm surge and flooding contaminate neighborhoods with bacteria-laden water that causes severe gastrointestinal illness and skin infections. Extended power outages in Miami's tropical heat lead to dangerous heat stroke. Mold exposure after flooding triggers respiratory problems. Storm anxiety causes escape attempts, injuries, and lasting behavioral issues that may require professional treatment.

The last thing you should worry about after a hurricane is whether you can afford your vet bills.

Miami Neighborhoods: Know Your Local Pet Risks

Every Miami neighborhood presents unique challenges for pet health. Here's what to watch for in popular areas:

South Beach & Miami Beach

Beach living brings coastal hazards. Hot sand burns paws, jellyfish wash up regularly, and saltwater poses risks for thirsty dogs. Tourist crowds mean dropped food temptations everywhere, while high-rise living limits quick bathroom breaks. The barrier island location means early mandatory evacuations during hurricanes.

Brickell & Downtown

Urban high-rise living offers excellent vet access but intense heat radiates from glass towers and concrete. Limited green space means pets exercise on hot pavement. Biscayne Bay's waterfront brings beautiful views but also water hazards. Ongoing construction creates noise stress and debris risks, and heavy traffic requires vigilant leash control.

Coconut Grove

A lush, tree-canopied neighborhood great for walks, but mature landscaping often includes toxic plants like sago palms. Proximity to the bay and canals means frequent wildlife encounters, including iguanas and the occasional alligator. Watch for fire ant mounds in local parks

Coral Gables

Elegant Mediterranean-style community with wide sidewalks and beautiful parks. Numerous waterways require wildlife awareness, and historic landscaping includes potentially toxic ornamental plants. Iguanas are especially abundant here and can injure curious pets.

Little Havana & Flagami

Vibrant cultural neighborhood with busy streets and outdoor dining that bring food temptations for pets. Heavy traffic on Calle Ocho requires careful leash control. Older infrastructure may lead to standing water and mosquitoes. Affordable vet options are available in the area.

Key Biscayne

Beautiful island beaches but only one road out during emergencies, so early hurricane evacuation is essential. Local parks offer great exercise but require wildlife awareness, and strong ocean currents pose risks. Vet care is available but emergency options on the island are limited.

Wynwood & Edgewater

Trendy neighborhoods with crowds that mean dropped food temptations. Limited shade in industrial-turned-residential areas intensifies heat, and the bayfront brings water hazards. Rapid development creates construction noise and debris, but emergency vet care is easily accessible.

Miami 24/7 Emergency Vets

When emergencies strike, know where to go. Embrace works at any emergency facility with a licensed veterinarian. During hurricane season, keep multiple options mapped as clinics may be evacuated or overwhelmed.

Thrive Pet Healthcare Specialists Miami

Address: 6394 S Dixie Hwy, South Miami, FL 33143

Phone: (305) 666-4142

VCA Knowles Central Animal Hospital

Address: 1000 NW 27th Ave, Miami, FL 33125

Phone: (305) 649-1234

VCA Knowles Snapper Creek Animal Hospital

Address: 9933 Sunset Drive, Miami, FL 33173

Phone: (786) 796-6006

VEG — Veterinary Emergency Group Miami

Address: 2707 Biscayne Blvd, Miami, FL 33137

Phone: (786) 539-0339

Miami Veterinary Specialists

Address: 8601 Sunset Dr, Miami, FL 33143

Phone: (305) 665-2820

Doral Centre Animal Hospital

Address: 2801 NW 87th Ave, Suite 4, Doral, FL 33172

Phone: (305) 598-1234

A happy corgi with bright eyes and tongue out receives an ear examination from a veterinarian in blue gloves, depicting the kind of specialized care needed for ear infections that many comprehensive pet insurance policies will cover after deductibles, potentially saving pet owners hundreds on diagnosis and treatment costs.

Why Miami Pet Parents Choose Embrace

From sunrise beach walks to evening strolls through Wynwood, Miami pets live active outdoor lives year-round. Embrace provides coverage tailored to the Magic City's unique tropical demands.

Visit Any Vet, Anywhere

Choose any licensed veterinarian from Homestead to Hollywood. Skip the referrals and pre-approvals, and rest easy knowing your coverage travels with you nationwide, especially critical during hurricane evacuations when you may end up anywhere.

Help at Any Hour

Connect with pet health professionals 24/7 for answers when you need them most. Worried your dog overheated on the beach? Think your cat ate something toxic? Guidance is always one call away.

Customize Your Coverage

Pick the annual deductible, reimbursement rate (70%, 80%, or 90%), and coverage maximum that align with your household budget. Get back up to 90% on covered vet expenses.

Speedy Claims from Your Phone

Snap, submit, and track claims in minutes using the mobile app. Most routine claims are resolved in days with reimbursement deposited directly to your bank. Perfect for Miami's fast-paced lifestyle.

Protection for Miami's Tropical Hazards

Heat stroke emergencies, hurricane injuries, snake bites, jellyfish stings, and beach-related illnesses, Embrace can help cover the real risks Miami pets face every season.

All Breeds Treated Equally

No breed exclusions. Whether you have a Miami rescue pit bull or a purebred French Bulldog, all dogs can access the same quality coverage.

Miami Dog Parks & Outdoor Spaces

Finding safe exercise spots for your pet in Miami requires awareness of heat, wildlife, and water hazards at each location.

Kennedy Park Dog Park (Coconut Grove)

Popular off-leash area with separate sections for large and small dogs. Shaded areas provide relief from the sun, but arrive early during summer to avoid peak heat. Watch for fire ant mounds after rain and keep an eye out for iguanas along the perimeter.

Amelia Earhart Bark Park (Hialeah)

Spacious off-leash area with agility equipment, double-gated entry, and water fountains. One of Miami-Dade's largest dog parks. Limited shade makes morning visits essential in summer months, afternoon temperatures can be dangerous.

Haulover Beach Dog Park (North Miami Beach)

One of Miami's few beaches allowing dogs. Beautiful oceanfront setting but requires vigilance for jellyfish, strong currents, and hot sand. Rinse dogs thoroughly after saltwater swimming. Best visited early morning before sand heats up.

Crandon Park Dog Beach (Key Biscayne)

Designated dog beach area on Key Biscayne. Calmer waters than ocean-facing beaches but still watch for marine life. Check for stingrays in shallow water. Limited parking on busy weekends. Remember the single road in/out can cause delays.

Alice Wainwright Park (Brickell)

Bayfront park with stunning views and good walking paths. Dogs must stay leashed. Watch for iguana encounters along the waterfront and avoid letting pets drink bay water. Good option for urban pet parents but limited shade.

Get Your Miami Pet Insurance Quote

Protect your pet in the Magic City. See your personalized rate in minutes.

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How much does pet insurance cost in Miami?

Pet insurance in Miami typically costs $20-$70/month for dogs and $10-$30/month for cats for most Embrace parents. Rates are influenced by factors such as your pet's age, breed, location, and coverage selections. Other rating considerations may also apply, varying by state and policy.¹ Get your exact price in about a minute with no commitment.

Does pet insurance cover heat stroke in Miami's tropical temperatures?

Absolutely! When Miami's year-round heat and humidity strike, Embrace Pet Insurance has your back. Pets with eligible coverage are protected for heat stroke treatment, which can cost thousands with IV fluids and hospitalization.

Will my Miami pet insurance work during hurricane evacuations?

Here's peace of mind when hurricanes threaten: your Embrace Pet Insurance travels wherever you do. Evacuating to Orlando? Racing to an emergency vet in Georgia? Your coverage follows you everywhere in the U.S. with no network restrictions.

Does pet insurance cover jellyfish stings and beach injuries?

Yes! Beach days are a Miami staple, and Embrace can help with the unexpected injuries that come with coastal living. For eligible pets, coverage extends to jellyfish stings, paw burns from hot sand, cuts from shells, and saltwater-related illness.

Does pet insurance cover snake bites and wildlife injuries in Miami?

Miami's wildlife poses serious dangers. Whether your adventurous pup gets bitten by a water moccasin near a canal or has an encounter with an alligator, Embrace can help. For eligible pets, coverage extends to treatment for wildlife-related injuries.

What deductible and reimbursement options are available?

Embrace Pet Insurance puts you in control with customizable options. Choose your annual deductible (from lower amounts for maximum coverage to higher amounts for budget-friendly premiums) and pick your reimbursement level, anywhere from 70% to 90% back on covered bills.

How quickly are claims processed and reimbursed?

Forget waiting weeks for reimbursement! Embrace Pet Insurance processes most straightforward claims within days. Snap a photo of your Miami vet bill, submit through our mobile app, and watch your claim status in real-time. Once approved, choose direct deposit for fast reimbursement straight to your bank account.

Can pre-existing conditions ever be covered?

Pre-existing conditions are excluded across the pet insurance industry. However, Embrace may cover certain curable conditions once a pet has been symptom-free and treatment-free for 12 consecutive months. Ongoing or chronic problems diagnosed before enrollment stay excluded, which is why enrolling pets early is the best approach.

How long are waiting periods before coverage takes effect?

A waiting period is a short period at the start of your policy when coverage for certain conditions isn't yet active. Waiting periods help prevent fraud and vary depending on coverage type and Florida state regulations. Once the applicable waiting period ends, your full coverage kicks in. Click here for complete details on waiting periods.