Home / Insurance / Pet Insurance in Florida
Florida is the second-cheapest state in the published table for the 3-year-old yardstick dog at $13.43 a month, a few cents behind Texas, and its puppy figure, $12.43, is the second-lowest of the nine. Florida is also the state where the publisher discloses the most extra detail (see the city section below), and that detail makes the state's lesson: within Florida, city-level examples vary by more than the gap between Florida and most other states in the table.
| Profile (Embrace examples, May 2025) | Florida, per month |
|---|---|
| Puppy, 6-month small male mixed breed | $12.43 |
| Dog, 3-year small male mixed breed | $13.43 |
| Kitten, 6-month male domestic shorthair | $10.34 |
| Cat, 3-year male domestic shorthair | $12.41 |
Florida has enacted its own pet-insurance legislation, Fla. Stat. Ann. § 627.71545, recorded by the NAIC with 2025/2026 dates, so Florida buyers have a state statutory framework rather than contract law alone. Our research recorded the statute's existence and citation from the NAIC's official state chart; it did not verify each operative term from the statute text, so this page does not attribute specific waiting-period or free-look terms to Florida law. Read the policy against the statute, and treat any summary, including an insurer's, as secondary to both.
Embrace's Florida page publishes examples for one profile, a 5-year-old small mixed breed on the same $5,000 / $1,000 / 70% basis, across cities: Miami $31.28, Fort Lauderdale $31.28, Tampa $25.36, Orlando $25.36, Jacksonville $19.80 a month. The same page gives whole-book ranges for its Florida policyholders of $20 to $70 a month for dogs and $10 to $30 for cats, which are averages across every breed and age and must not be compared with the single-profile figures. The city grid is the useful part: a Jacksonville owner and a Miami owner can face premiums half again apart inside one state, which is why this site factors location from the like-for-like table only and treats city as a quote-level variable.
The estimator on this site carries a Florida location factor taken from the same published table and from no other source. That discipline matters: most state premium figures online are whole-book averages across every breed and age, which cannot be compared with a single-profile table. Use the estimator for a range for your breed and age, and the by-breed pages for the condition lists that explain the range.
The adult figure makes Florida the second-cheapest of the nine published states. The adult figure annualizes to roughly $161, the puppy figure to roughly $149. At $1.00 a month less, the puppy figure undercuts the adult figure. That is $1.24 a month below the nine-state median adult figure of $14.67.
For a like-for-like state figure this site uses Embrace's published cost guide, which prices the same small male mixed breed on the same plan ($5,000 annual limit, $1,000 deductible, 70% reimbursement) in nine states (examples dated May 2025). Its 3-year-old price for Florida is $13.43 a month; at 6 months the puppy price is $12.43. Breed, age and ZIP code move real premiums widely around that figure; the table's value is the like-for-like comparison, not an average.
Florida has a pet-insurance statute, Fla. Stat. Ann. § 627.71545, recorded by the NAIC with 2025/2026 dates. Unlike California's, its detailed terms were not verified from the statute text in our research, so check waiting periods and cancellation rights in the policy document itself and against the statute.
The yardstick premium works out at roughly $161 over a year for the profile above. Compare that with the cost of one major claim: $14,147, the billed figure in one insurer's published cruciate illustration for a single knee. Florida's city spread shows why the quote, not the state average, is the number to budget on. Whether that trade is worth it turns on your breed's risks and your savings, not on which side of a state line you live.
Insurers price each market from its own claims, so premiums differ: local vet charges and local claim patterns do the work. In the published table, the identical pet and plan produced $13.41 a month in Texas and $19.85 in Massachusetts, with Florida at $13.43. Behind those outcomes no source publishes a formula, and this site does not fabricate one.
No. A Florida run applies a location factor derived solely from the published nine-state table to the national breed model, so what comes back is a planning range. An exact premium exists only in an insurer's quote for your dog's breed, age and ZIP code.
At 6 months, the yardstick age, Florida's price on the comparison plan was $12.43 a month. Enroll young for the record rather than the price: anything documented before enrollment becomes a pre-existing exclusion, which is why starting before the first symptom protects the cover itself.
Last updated: November 2026. Researched from the insurers' own published policy pages and documents, read in November 2026; every figure given is the insurer's published figure, not our estimate. How we work: our methodology.