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Best Pet Insurance in Orlando, Florida

Pet insurance is an important purchase, seeing as it could be part of your monthly budget for the rest of your pet’s life. So it’s important to know what your options are for pet insurance in Orlando, Florida for 2020. Below we’ve looked at how prices compare in Orlando, Florida and what types of insurance are available.

Pet Insurance Costs in Orlando, Florida for Dogs and Cats

For an idea of what pet insurance looks like across the city of Orlando, Florida, we took five different zip codes for the city. We compared a 1-year-old Chihuahua and a 1-year-old Domestic Medium Hair cat, since Banfield Pet Hospital says those are the most common breeds in Florida.   

>>MORE: Banfield Pet Insurance Review

Quotes came from Embrace Pet Insurance because it operates under one easy plan and is one of the most well-known pet insurers in the U.S. We entered a $500 deductible, an 80% reimbursement and a $15,000 annual limit.

Zip CodeDog Monthly CostCat Monthly Cost 
32855$14.90$11.26
32808$17.73$13.40
32807$19.97$15.09
32819$21.90$16.55
32832$21.90$16.55

As you can see, monthly costs shift several dollars just based on zip code alone. So it’s important to shop around for the best pet insurance in your location.  

>>MORE: What is Pet Insurance and What does It Cover?

Common Illnesses Among Dogs and Cats in Orlando, Florida

According to Banfield Pet Hospital, the most common illnesses for both dogs and cats in Florida are:  

  • Overweight and Obesity 
  • Dental Disease
  • Otitis Externa (ear infection)

What this means for pet insurance is that you may want to consider finding coverage for these cases, since they can be so common. For instance, you may want a plan that covers illnesses, and specifically covers ear infections.

For overweight issues, some plans come with higher tiers or add-ons that cover nutritional supplements.

Dental disease can be tricky, since some plans don’t cover it at all, some plans cover certain conditions and some plans have dental or wellness add-ons that cover it. Be sure to check your plan thoroughly for what is covered before signing up.

>>MORE: Pet Insurance That Covers Preventative Care

Types of Pet Insurance in Orlando, Florida for 2020  

You have three main types of plans in Orlando for pet insurance:

  • Accident-only: These cover your pet in case they get into an accident. It’s a less expensive option since coverage is more limited.
  • Comprehensive: These cover injuries, illnesses and accidents. They tend to be more expensive for the increased amount of coverage.
  • Wellness: These come as add-ons to other plans or may be a higher-tier plan. They cover preventative, routine or wellness care such as teeth cleanings or check-ups. Some may work as money-back programs, however.

Keep in mind that no pet insurance covers pre-existing conditions. Some may if the condition is deemed curable, however. You can learn more about pre-existing conditions here.  

>>MORE: Is There Pet Insurance with No Waiting Period?

Overall Cheapest Pet Insurance in Orlando, Florida

For finding the best pet insurance in Orlando, Florida for 2020, we looked at the top 12 companies offering pet insurance in the U.S. We compared the 1-year-old Chihuahua and 1-year-old Domestic Medium Hair cat again. We used the 32807 zip code.  

To keep prices as even as possible, we used as high of an annual limit as each system would allow. We also stayed as close to a $250 deductible and an 80% reimbursement as possible.

Premiums are an important criteria to select the best pet insurance company for your pets. However, there are other important factors such as coverage, deductibles, inclusions, and exclusions, etc. If you are interested in evaluating pet insurance companies more comprehensively, click on the links below to read our full reviews of these pet insurance companies.

CompanyDog Monthly PremiumsCat Monthly Premiums
PetFirst$17.07$9.44
Pets Best$21.15$17.48
Embrace$28.74$21.72
ASPCA$32.29$19.43
Healthy Paws$34.11$21.33
AKC$34.82$27.09
Trupanion $35.16$30.82
Figo$40.74$37.02
Hartville$42.13$25.36
PetPlan$43.67$33.60
24petwatch$58.68$30.64
Nationwide$77.25$38.62

Always keep in mind what coverage you are getting for the monthly premiums, such as if exams or certain illnesses are covered. You can also play around with different benefits to get prices that might be more in line with your budget.

>>MORE: Compare the 4 Biggest Pet Insurance Companies

Insurance in Orlando, Florida for Exotic Pets

The only company you can currently get exotic pet insurance from, which covers birds, rodents and reptiles, is Nationwide Pet Insurance. However, it covers very comprehensive care, like prescriptions and exams.

To find a quote, you need to call the number at 888-899-4874. You can also learn more about exotic pet insurance here.  

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