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Is getting your pet insured different in every state? Do you need to pay more if you are in New York, for example? Every pet owner knows one thing: Getting pet insurance the moment they adopt their pets is as crucial as ensuring that they are ready to take on such a responsibility.

However, picking Florida pet insurance is not always easy. There are a lot of factors to look at—the costs, coverage limits, online consultations, and deductibles, among others. But many are also worried if the pet insurance cost and coverage will be affected by where the pet owners and their pets live. Should you pay more if you live in a big city like Miami? Is pet insurance cheaper in smaller cities?


Compared to other states, pet insurance in Florida is less expensive. The standard accident and illnesses pet insurance plan in the Sunshine State will cost between $30 and $60 a month for dogs, depending on the type of coverage you want. Insurance for cats is more affordable, too, at $15 to $30 per month.

Just like in many states, different factors affect the cost of insurance. Some breeds, like golden retrievers and poodles, are more expensive because of their hereditary disorders and susceptibility to certain illnesses and diseases. It is not the size of the dog that matters to the insurance company, but their breed.

However, densely populated areas such as Tampa or Miami have more expensive pet insurance plans than Jacksonville. The company will analyze the number of veterinary practices and their prices in the area. If the veterinarians in your area charge more than other cities, you need to pay a higher premium for pet insurance.


You don’t have to worry about the network of veterinarians in Florida that accept pet insurance. This insurance does not work the same as health insurance for humans. Pet owners need to pay the veterinarian from their own pockets and then get the amount reimbursed from their pet insurance company. You should be reimbursed for your expenses wherever you decide to bring your pets.

Pet insurance companies don’t have a dedicated network of veterinarians. Instead, you can bring your pets to any veterinarian and pay for the services with your own money. The insurance policy is an agreement between you and the company.

Pre-existing Conditions

Unfortunately, pet insurance does not cover pre-existing health conditions no matter where you are. This is why it’s important to insure your pets as early as possible. You can reimburse qualifying bills as long as the illnesses have not been detected before signing the policy. You cannot purchase insurance for an existing condition.

Who would tell the insurance company that your pets have pre-existing conditions? The company will require a thorough examination of your pet by a veterinarian before enrollment. Also, some of them will most likely need a copy of your pets’ veterinary records.

Pet insurance may vary in cost by state, but its coverage and limitations will usually be similar. While there are better pet insurance plans, most offer the basic things that your pets need. The most crucial thing is to get pet insurance as early as possible to ensure your pets’ health and protect your finances.