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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.
Are There Good Vets in Florida?
Most Common Health Conditions in Florida Pets
The most common conditions treated in Florida pets are diarrhea, vomiting, ear infections, and allergies†.
On average, are claims in Florida expensive?
The average claim submitted in Florida is $384. With their Spot plan, pet parents can get up to 90% cash back on covered conditions†.
What was the Largest Reimbursement Paid out in Florida?
The largest reimbursement paid by a Spot plan to a Florida pet parent was $13,569†.
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursement for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
Why We Recommend Pet Insurance 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.
Read moreHow 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:
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.
Read moreHow 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:
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.
Read moreHow 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:
Spot plan pays you back $3,060†
You Pay $440
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."
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Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
1)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
Florida Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Florida.
Pet Insurance FAQs
Have questions about pet insurance 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.
Does Pet Insurance Cover Wildlife-Related Injuries in Florida?
Coverage for wildlife-related injuries in Florida might depend on the specifics of your pet insurance plan. It may include eligible vet expenses, depending on the policy.
Does Pet Insurance Cover Heat-Related Illnesses in Florida?
Coverage for heat-related illnesses in Florida might depend on your specific pet insurance plan. It may include eligible vet expenses, based on the policy terms
Are All of Spot's Add-On Plans Available in Florida?
All of Spot’s plan add-ons are accessible in Florida, as they are in all states. The coverage is consistent everywhere, ensuring you have the same add-on options available regardless of your location.