Pet Insurance in Florida

Florida's Pet Insurance Laws

How policies work and how claims are decided is strictly limited by consumer rules in the Pet Insurance Act. A waiting period is a fixed number of days between buying a policy and when coverage begins paying for care. All Florida pet insurance policies must follow the rules listed here:

• Accidents: The law does not allow a waiting period for accidents.
• Illnesses and orthopedic issues: Sickness and orthopedic condition waits have a 30-day maximum.
• Policy returns: After you receive the policy, you have 30 days to review it and return it. Often called a free-look period, this review window lets you read a new policy and, if you choose, cancel your policy.
• Pre-existing conditions: Under state law, a pre-existing condition means vet advice, treatment, or signs seen before coverage starts or during a waiting period.
• Claim denials: An insurer that turns down a claim on pre-existing grounds must prove the exclusion applies.
• Agent training: Before selling pet coverage, insurers must ensure that their agents are trained on it.

To change pet insurer disclosure requirements, lawmakers also introduced CS/SB 158. The bill died on March 13, 2026, in the House Insurance and Banking Subcommittee.

Florida's Pet insurance companies

When shopping for pet insurance for dogs in Florida or cat coverage, you will find several national insurers listing availability in all 50 states:

• Trupanion plans also reach Washington, D.C. and Puerto Rico, but some people in some states may not have access to all products or discounts.
• AKC Pet Insurance is available, though some features aren't offered in every state.
• Nationwide pet insurance and MetLife Pet Insurance are also available in Washington, D.C.
• Spot, plus Embrace

Average prices for individual states aren't published. According to veterinary industry reports, accident and illness plans cost an average of $70 a month for dogs and $36 a month for cats nationwide. For dogs, national annual accident and illness premiums average $836; for cats, they average $435. According to NAPHIA member data, Florida accounts for 6.4% of gross written premiums in the U.S. These are national amounts rather than Florida-only figures. Your pet's ZIP code, species, age, and breed affect your quote.

How Many Pets Have Insurance in Florida?

In NAPHIA member data, Florida ranks number 3 among the states for insured pets and accounts for 6.3% of insured pets nationwide. Across North America, 7.6 million pets have coverage, as reported by industry adoption reports. In the United States, 4.27% of pets have coverage, including insured dogs at 5.99% and insured cats at 2.29%.

How to submit a pet insurance complaint in Florida

For a claim or policy problem, you can submit an online complaint through the state consumer help page. Consumer disputes under the Pet Insurance Act are handled by the Florida Department of Financial Services, which also regulates insurers and agents in the state.