Pet ownership in Florida is booming—but with it comes rising veterinary care costs. That’s why finding cheap pet insurance in Florida is essential for pet parents who want to give their furry friends the best care without breaking the bank.
In this blog, we’ll explore the 5 cheap pet insurance companies in Florida, USA for 2025. These insurers offer solid coverage for both dogs and cats, with flexible pricing and benefits that make pet care affordable. We’ll also include useful information for those seeking cheap dog insurance, pet insurance for cats, pet health insurance, and more.
5. MetLife Pet Insurance
MetLife is a national leader in personal insurance and offers competitive pet insurance plans with monthly premiums starting at just $9 in Florida. They’re known for simplicity, quick reimbursements, and generous multi-pet discounts.
Why MetLife Is Cheap in Florida:
- Premiums start at $9/month for cats and $15–$35/month for dogs.
- No breed restrictions or upper age limits.
- Flexible reimbursement levels (70%–90%) and customizable deductibles.
🔹 MetLife is ideal for pet owners looking for affordable dog insurance or cat insurance that doesn’t compromise on coverage. It’s especially beneficial for multi-pet families in Florida.
4. Embrace Pet Insurance
Embrace stands out for its innovative Healthy Pet Deductible, which reduces your deductible by $50 for every claim-free year. It offers comprehensive pet insurance for dogs and cats, starting at $13/month for cats and $18/month for dogs.
Why Embrace Is Cost-Effective in Florida:
- Florida-specific plans take into account vet care cost averages.
- Offers optional wellness plans for routine care like vaccines and dental cleanings.
- No hard limits on payouts, with up to 90% reimbursement.
✅ Embrace provides flexible pet medical insurance that appeals to dog and cat owners who want control over coverage. It’s a favorite in pet insurance comparison charts for Florida.
3. ASPCA Pet Health Insurance
Backed by the trusted ASPCA name, this pet insurance for dogs and cats is both reliable and affordable. Plans start at around $10/month for cats and $20/month for dogs in Florida.
Why ASPCA Is an Affordable Option:
- Includes exam fees, alternative therapies, and behavioral treatments.
- Customizable plans for accident-only or full coverage.
- Offers add-ons for routine pet care insurance.
🐶 ASPCA ranks high among top-rated pet insurance companies and is often seen as a good choice for those seeking pretty insurance options that don’t sacrifice quality.
2. Hartville Pet Insurance
Hartville, underwritten by Crum & Forster, offers budget-friendly pet insurance that’s widely available in Florida. With accident-only plans starting at just $10/month, Hartville is perfect for basic pet protection.
Why Hartville Is Affordable in Florida:
- Florida-specific rates allow for regional customization.
- Includes accident & illness plans, wellness coverage, and optional add-ons.
- Claims process is quick, digital, and transparent.
📈 Hartville is a top contender in the low-cost pet insurance for dogs category, especially for those seeking animal insurance for dogs or cats without unnecessary extras.
1. Pets Best Insurance
Pets Best earns the top spot as the most affordable and well-rounded pet insurance company in Florida. Owned by Synchrony, this company combines financial strength with flexibility.
Why Pets Best Is the Best Choice in Florida:
- Plans start at $11/month for cats and $20/month for dogs.
- Offers routine care, accident-only, and comprehensive plans.
- 24/7 vet helpline access and 3-day average claim reimbursement.
💡 Pets Best is especially popular among Florida residents for its best pet insurance for dogs, high-quality pet medical insurance, and overall reliability. It’s the best pet insurance company for combining cost and coverage in one package.
Frequently Asked Questions (FAQ)
Q1. What is the cheapest pet insurance in Florida in 2025?
A: According to 2025 data, MetLife and Hartville offer the lowest-cost plans in Florida, starting at just $9–$10 per month depending on your pet’s age and breed.
Q2. Is cheap pet insurance worth it?
A: Absolutely. Cheap pet insurance can still offer great coverage if you choose plans like Pets Best or Embrace that allow customization. Always review what’s covered before buying.
Q3. Can I get affordable dog insurance for older pets in Florida?
A: Yes! ASPCA and Embrace have no upper age limits, making them ideal for canine insurance for senior dogs.
Q4. Do any Florida pet insurers cover routine care?
A: Yes. Both Pets Best and Embrace offer optional wellness plans covering routine visits, dental cleaning, and vaccinations.
Q5. How do I compare pet insurance companies easily?
A: Use pet insurance comparison platforms like NerdWallet or ConsumersAdvocate.org for trusted side-by-side reviews.
Final Thoughts: Choosing the Right Pet Insurance in Florida
Florida pet owners don’t need to sacrifice quality for affordability. The 5 cheap pet insurance companies in Florida, USA—MetLife, Embrace, ASPCA, Hartville, and Pets Best—offer plans that balance cost with coverage, giving you peace of mind for every vet visit.
From affordable dog insurance to pet insurance for cats, these providers deliver flexibility, fast claims, and personalized service. Whether you need good pet insurance for a puppy, kitten, or senior pet, these companies provide dependable protection at a price that makes sense.
Have More Questions?
Still unsure which provider to choose? Drop your questions below or ask your local vet for guidance. Choosing the right animal health insurance is one of the best investments you can make in your pet’s future.