Pet Insurance in Florida

  • Coverage for alternative therapies for covered conditions
  • Accident and illness plans cover behavioral issues
  • Accident and illness plans cover chronic conditions
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What is Pet Insurance for Dogs and Cats?

With pet insurance, you pay a premium for the benefit of help with covering your pets’ eligible medical expenses.

Pets do get expensive at times to maintain. The vet bills for unexpected accidents and illnesses can run into thousands. We love our pets, so we wouldn’t want to compromise on the care they may need. Know more about how much is pet insurance and what does pet insurance cover.

Unfortunate situations can happen to both us and our pets. One of the best things to do is to be ready with a backup plan, which is pet insurance. We, as mere humans, can’t control the unfortunate happenings so much; however, pet insurance can help protect your pet and your pocket.

Why is pet insurance important in Florida?

Over-Heating

The same coastlines of Florida can also impact the climate and make it very warm at times. Dogs or cats if overworked, or out in the sun for a long time may get over-heated. The consequences can include panting, extreme salivation, bright-red membranes, and labored breathing which can lead to a heat stroke.

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How Spot Plans Help Protect Your Pet

IV Fluids & Medications

Spot plans cover IV fluids & medications for covered conditions.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$1,500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,260

You Pay $240

Saltwater Poisoning

Florida, the state of beaches with over 360 miles of coastline, has an abundance of them to offer us. And who wouldn’t love a nice swim with our dogs on a warm sunny day? Most dogs are natural swimmers, but some are not. However, salt water can at times enter the dog’s body and cause several problems including salt-water poisoning. This may cause vomiting, weakness, diarrhea, muscle tremors, and even seizures.

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How Spot Plans Help Protect Your Pet

Digestive Accidents

Spot accident and illness plans can cover digestive accidents or injuries, like swallowed objects.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$5,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $4,410

You Pay $590

Cane Toads

These bufo toads, come out in a big number during rains in the state of Florida. Although they don’t bite or sting, they possess a toxin in their skin which can be very harmful to our pets. When dogs or cats are left out in the rain to play, they can come in contact with these dangerous creatures as they can even end up in our backyard. Dogs and cats love to play with such small creatures and will often end up ingesting the toxin which can cause death.

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How Spot Plans Help Protect Your Pet

Toxin Ingestion

Spot plans cover foreign objects and toxin ingestion that your pet may swallow unexpectedly.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$3,500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $3,060

You Pay $440

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Why Spot Plans?

We are a pet-loving and pet parent empathizing company. "We care about you and your pet, striving to make the enrollment and claims process. Experience exceptional pet insurance across the United States, tailored to protect the health and well-being of your cherished companions."

Affordable Plans for Cats & Dogs

Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.

Florida Pet Insurance Information by City

Find city-specific information about Pet Insurance in the state of Florida.

Pet Insurance FAQs

Have questions about petinsurance and how it works? Let’s dig up an answer.

What is the average cost of pet insurance in Florida?

Based on internal data, Spot plans in Florida cost about $46 per month.* Some factors that affect your premium are the pet’s breed, age, and where you live. Other factors include the plan type, annual deductible amount, reimbursement percentage, and annual coverage limit amount. Spot plans have customizable plan options to help you pick the plan most affordable for you and your pet. Click here to get a quote.

*Average cost is based on Spot internal data from June 2022 - January 2024 for active policies in the state of Florida for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.

Where is Spot Pet Insurance based out of?

We are based in your very own state, Florida. Our offices are close to the beaches in Miami and West Palm Beach. Feel free to visit us!

Are pre-existing conditions covered by pet insurance?

Plans provided by Spot do not cover pre-existing conditions.

A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.

However, with plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

What should I look for when getting pet insurance?

There are certain features that you, as a pet parent should look for while selecting a pet insurance plan for your pet. These can include – the type of plans offered, price, benefits offered, claim reimbursement process, and an informative website, to name a few.

Should I get pet insurance if my dog / cat is old?

Better late than never is what we think about pet insurance! Older pets can have higher vet bills as they are more prone to accidents and illnesses as they age. A Spot plan can help you cover eligible vet bills for covered conditions.

What should I do if my pet is overheated?

You should immediately get your pet out of the heat. Some things you can do are placing a fan in front of them, wetting your pet with cool water (not cold though), giving them water, and keeping them in a shaded area.