Post by doglover on Nov 22, 2024 18:28:42 GMT
Best Pet Insurance Florida
| Provider | Monthly Cost | Annual Coverage Limits | Reimbursement Rates | Deductibles | Waiting Periods |
|---|---|---|---|---|---|
| ASPCA | $44.84 | $5,000 | 90% | $500 | 14 days for accidents and illnesses |
| Fetch | $49.12 | $5,000 | 90% | $500 | 15 days for accidents and illnesses |
| Embrace | $52.00 | $5,000 | 90% | $500 | 2 days for accidents; 14 days for illnesses |
| Lemonade | $26.31 | $20,000 | 90% | $500 | 2 days for accidents; 14 days for illnesses |
| Figo | $36.24 | $5,000 | 90% | $500 | 1 day for accidents; 14 days for illnesses |
1. ASPCA
ASPCA is a trusted name, offering comprehensive behavioral and alternative therapy coverage. This plan is well-suited for Floridians who value a balance of affordability and inclusivity.
Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 14 days for accidents and illnesses
Pros:
- No upper age limit for enrollment
- Multi-pet discount available
- Covers behavioral issues
Cons:
- Lower annual coverage limits
Learn more about ASPCA
2. Fetch
Fetch allows Florida pet owners to visit any licensed vet in the U.S. or Canada. They offer quick reimbursements, making it a practical choice for those with active lifestyles.
Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 15 days for accidents and illnesses
Pros:
- Alternative therapies covered
- No upper age limit for enrollment
- Fast claim payouts
Cons:
- No coverage for preventive care
Learn more about Fetch
3. Embrace
Embrace is a great option for Florida pet owners, thanks to its wellness add-ons and unique diminishing deductible feature.
Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 2 days for accidents; 14 days for illnesses
Pros:
- Wellness coverage available
- Discounts for military families and multiple pets
- Covers alternative therapies
Cons:
- Limited options for older pets
- Orthopedic conditions have a longer waiting period
Learn more about Embrace
4. Lemonade
Known for its fast and automated claims processing, Lemonade is a great pick for tech-savvy Floridians seeking efficiency.
Features:
- Annual Coverage Limits: $20,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 2 days for accidents; 14 days for illnesses
Pros:
- Quick claims processing
- Discounts for bundling with other Lemonade policies
- Customizable plans
Cons:
- Not available in all areas
- Limited coverage for alternative therapies
Learn more about Lemonade
5. Figo
With its 100% reimbursement option and no lifetime limits, Figo is a great fit for Florida’s active pet owners. Their app is particularly handy for managing policies and claims.
Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 1 day for accidents; 14 days for illnesses
Pros:
- Comprehensive app
- No upper age limit
- Short waiting period for accidents
Cons:
- Limited pre-existing condition coverage
Learn more about Figo