Embrace is a top-rated insurance for dogs and cats in Florida
Florida’s year-round outdoor lifestyle is a dream for many pets, but it also comes with unique health risks. That's why pet insurance provides such critical peace of mind for residents of the Sunshine State. It prepares you for costly emergencies specific to the region, such as treatment for heatstroke, venomous snake bites, or accidental encounters with toxic wildlife. With a solid insurance policy, you can also manage chronic issues spurred by the humid climate, like persistent skin allergies and ear infections, without the stress of unexpected vet bills.
Diverse landscapes are home to venomous snakes like rattlesnakes and copperheads. An unexpected snakebite on a hike or even in your own backyard can lead to a life-threatening, and expensive, veterinary emergency.
The sun’s brilliant glare on a summer day can be deceptive, turning a fun afternoon or a simple walk into a race against time. Unable to sweat effectively, a pet's internal temperature can soar, leading to life-threatening heatstroke and rapid organ failure.
A lethal secret hides within your landscaped yard, where common toxic plants like the Sago Palm conceal a potent toxin in their leaves and seeds. A single curious nibble is enough to trigger severe poisoning and irreversible liver failure, turning a peaceful garden into an emergency.
Unexpected vet bills can be stressful, but with Embrace pet insurance you don’t have to choose between your pet and your savings. Over 90% of Embrace customers surveyed agreed that pet insurance extended their pet's life.
Skin conditionsLimpingGastrointestinal issuesLigament tearsEar InfectionsSkin growthsArthritisAsthmaAnxietySeizuresUrinary tract infectionsCushing's diseaseLymphomaHyperthyroidismDiabetesKidney failureInflammatory bowel diseaseIVDD
From chronic skin conditions to serious illnesses like cancer, get money back for the treatments your pet needs the most.
Financial protection from unexpected incidents like broken bones, swallowed objects, poisoning, and more.
Coverage for unexpected dental work, including tooth extractions, gingivitis care, and more.
The cost of pet insurance in Florida can vary by breed, zip code, and other factors. Embrace allows you to build an affordable policy with our personalized plan and available discounts. Here are some ballpark figures to give you a better idea of what cat insurance or dog insurance might cost in Florida.
| Species | Breed | Age | Premium |
|---|---|---|---|
| Dog | Mixed Breed | 1 | $30-$45 per month |
| Dog | Golden Retriever | 3 | $40-$60 per month |
| Dog | Labrador Retriever | 5 | $60-$90 per month |
| Cat | Mixed Breed | 3 | $20-$25 per month |
Estimates based on quotes by Embrace Pet Insurance
For pet owners in Florida, a wellness plan is a smart way to budget for essential preventative care, which is distinct from pet insurance that covers accidents and illnesses. In a state with a year-round climate for pests, these optional add-on programs pay you back for predictable costs like flea, tick, and heartworm prevention, vaccinations, and dental cleanings, helping you manage the yearly expenses of keeping your pet healthy in the Sunshine State.
What is the average cost of pet insurance in Florida?
There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our Florida pet insurance costs between $40 and $50 per month in 2025.
Which company has the cheapest pet insurance in Florida?
We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in Florida when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.0 Google; 4.1 Trustpilot), have a 4.2-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.
What are common risks to pets in Florida?
Despite its beautiful landscape, Florida is home to many hidden dangers to pets. In the summer months, heat stroke is a major concern due to the state’s tropical climate. Heartworms, fleas, and ticks are also prevalent, thriving in the warm and humid conditions. If you frequent the dog park, parvovirus (which can be deadly) and kennel cough are other risks to be aware of. Additionally, Florida has unique dangers such as alligators in waterways, venomous snakes like the Eastern Diamondback Rattlesnake, poisonous Bufo (Cane) toads, hurricanes and extreme weather events, and red tide along the Gulf Coast. The Sunshine State’s distinct environment calls for pet owners to take extra precautions to keep their furry friends safe from these hazards.
Is it worth having pet insurance for a dog in Florida?
For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get paid back for covered costs later. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.
An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can save your pet’s life.
If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.
Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.
Can pet insurance be used immediately?
Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on the type of coverage you have. All policies cover accidents from the effective start date of the policy. All polices have a 2 week illness waiting period. Most pet wellness plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.
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