MetLife Pet Insurance1 helps take the worry out of covering the cost of unexpected visits to the vet with your furry family members.

Want to know if MetLife Pet Insurance is right or you? From our customizable coverage to our animal welfare efforts, here are some of the ways we lead the pack.

Pet health tips and helpful information about pet insurance.

If you have questions about a claim or need help selecting a plan that's right for your family, our friendly pet advocates are here to help you get on the right track.

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STATES

Award-Winning Pet Insurance for Dogs and Cats in Florida

Florida is more than just a tropical vacation destination or a second home for snowbirds. The Sunshine State is a home for many pet parents and their cats and dogs.

Whether you live in Pensacola, Tallahassee, or Miami, you should know some of the major risks to pets in the state. Once you’ve read up on keeping your pets safe, you might consider investing in pet insurance from award-winning MetLife Pet Insurance. Florida pet parents will appreciate that an insurance policy helps ensure their pets’ healthcare is more affordable.

Looking for Pet Insurance in Florida?

Why MetLife Pet Insurance May Be a Good Idea If You Live in Florida

What do alligators, bufo toads, snakes, spiders, jellyfish, geckos, fire ants, and panthers all have in common? One encounter with any of these wild Florida creatures could send your domestic cat or dog to the animal hospital. A MetLife Pet policy can help with the vet bills of covered accidents and illnesses that may result from being bit, stung, or hurt by any of these creatures.

Canine parvovirus (CPV), aka parvo, is a serious gastrointestinal illness your dog may encounter in Florida due to infected wild animals or infected poop. A MetLife Pet policy may be able to help cover vet bills related to parvo, like hospitalization and medications, and even the cost of the parvo vaccine with our optional Preventive Care plan.

Hurricanes are also prominent in Florida and may be dangerous for your pet if they get hurt or lost due to the storm or flooding. A dog insurance or cat insurance policy from MetLife Pet could help reimburse you for vet expenses related to broken bones, illnesses, and wound care, or even lost pet advertising and rewards.

MetLife Pet can reimburse vet bills for injuries and illnesses in Florida. Get your free pet insurance quote.

Why Choose a Metlife Pet Insurance Policy?

Florida may be a dangerous state for pets, but it doesn’t have to hurt your wallet — especially if you have a policy from MetLife Pet, winner of the 2023 "Pet Insurance of the Year" award.1

Here are a few ways we stand out:

How Does MetLife Pet Insurance Work for Floridians?

Treat your pet

Bring your dog or cat to any licensed vet in Florida or anywhere in the U.S. for treatment.

Submit your claim

Pay your pet’s medical bill, then submit the invoice, vet records, and your claim to MetLife Pet.

Get reimbursed

MetLife Pet looks at the vet records once you file your claim, and, if approved, sends your reimbursement via check or direct payment.

MetLife Pet Insurance Is Available in the Sunshine State. See What’s Covered

MetLife Pet Insurance policies bend to fit your lifestyle — you can customize them depending on your pets’ needs. Regardless of how you customize your pet insurance, here are a few of the basics that a MetLife Pet policy can typically cover:

Read our Coverage and Exclusions page, or download a sample policy for more details.

We also offer our Preventive Care add-on to help cover up to 90% of routine and wellness care, such as teeth cleanings, spaying and neutering, vaccinations, and flea and tick prevention.

MetLife Pet can help cover vet costs related to injuries and illnesses. Our Preventative Care add-on can help reimburse routine wellness costs. Get your free pet insurance quote.

How Much Is Pet Insurance in Florida?

To see your exact rates, get a free pet insurance quote.

The cost of pet insurance can vary, but MetLife Pet’s policies start at $9 a month for one cat and $15 per month for one dog.7 From there, you have space to customize your coverage limit, deductible, and reimbursement rate — all of which affect the price.6,8,9

Depending on where you live in Florida, your overall cost may vary. A policy for a family from Miami may cost more than one for a family from Mount Dora due to the prices vets in the bigger city charge. Your price will also be determined by how many pets you have on the policy along with your pet’s breed, age, and gender.

Pet Insurance Claims We Paid in Florida

Here are some examples of pet emergencies, hospitalizations, and treatments pets had in the Alligator State, and what MetLife Pet paid out.

Notable claim in the Everglade State

Rocko, a mixed-breed dog from outside of Jacksonville, was out walking trails with his pet parent one afternoon. Because they were busy taking in the sights, they didn’t see a coral snake sitting off the side of the trail. Poor Rocko got a little too close, and the snake bit his ankle in defense.

Since it was a venomous snake, Rocko’s owner took him to the vet right away. Upon arrival, Rocko was quickly given antivenom and monitored for signs of toxicity. After spending a day in the animal hospital receiving medications and intravenous (IV) fluids, he was given the OK to head home to recover.

Rocko’s vet bill totaled over $3,800, but with his MetLife Pet dog insurance policy, Rocko’s owner was reimbursed more than $3,400.13

Plants in Florida That Can Be Poisonous to Pets

If your pet ingests toxic plants — whether it’s spending time outside or getting into the wrong house plants — they may get sick and need immediate medical care. A MetLife Pet policy can help cover emergency care, hospitalizations, and costs related to treating plant toxicity.

The American Society for the Prevention of Cruelty to Animals (ASPCA) provides a comprehensive list of plants toxic to dogs and cats.14 Here’s a list of some common Florida plants that can be toxic to cats and dogs:

MetLife Pet can help cover emergency vet costs if your pet ingests a toxic plant. Get your free pet insurance quote.

Most Popular Insured Dog Breed in Florida

According to our internal data on the most popular insured dog breeds in each state, Florida favors the French bulldog. This breed is full of playful energy for such a small package. But they may be prone to dermatitis, hip and elbow dysplasia, cherry eye, and brachycephalic syndrome — all things that a MetLife Pet policy can typically cover.

Adopt Your Next Pet in the Orange State

Now that you know the basics of pet dangers, healthcare, and health insurance in the state, it may be time for you to take the leap. Become a pet parent today.

Dog breeds Floridians adopt

These are the three dog breeds that get adopted the most in Florida,15 and a few health conditions each breed may be predisposed to.

Don’t know what breed your adopted dog is? A dog DNA test can help you determine your pup’s breed, but also potential health issues they might have through genetic markers.

With our Preventive Care plan add-on, we can help cover DNA test costs.16 Get your free pet insurance quote.

Adoption shelters we work with in FL

MetLife Pet works with shelters across the country to help dogs and cats find their fur-ever homes. These shelters may offer adopters the opportunity to sign up for MetLife Pet Insurance on the spot — which can help ease the financial worry that may come from adopting a pet with an unknown health history.

If you enroll in a MetLife Pet policy through some of the shelters we work with, you may be able to get the 14-day illness waiting period waived. This means covered illnesses would be reimbursable starting at midnight the day you enroll in your policy — the same as accidents, as well as expenses covered under our optional Preventive Care plan.

Check out some of the shelters we work with below to see all the good girls and boys looking for their forever homes.

Peggy Adams Animal Rescue League

3200 N Military Trl #3100, West Palm Beach, FL 33409

Pet Alliance of Greater Orlando

Locations in Orlando and Sanford

If You Live in Florida, Consider Insuring Your Pet

You may be a retiree with a few cats or a surfer who’s enjoying the beaches with their puppy. Whatever your lifestyle, it’s also your pet’s. Whether you’re a permanent resident or a snowbird, your pets are exposed to risks in the Sunshine State all the time.

Do you want assurance that you can afford the best care for your cats and dogs, no matter what happens? Enroll in award-winning1 pet insurance for Florida pets, so you don’t have to choose between paying their vet bills or other bills. Get your quote for MetLife Pet Insurance today.

How MetLife Pet Insurance Works for Floridians

Treat your pet

Bring your dog or cat to any licensed vet in Florida or anywhere in the U.S. for treatment.

Submit your claim

Pay your pet’s medical bill, then submit the invoice, vet records, and your claim to MetLife.

We’ll send a check

MetLife looks at the vet records, files your claim, and reimburses you in less than 2 weeks.2,3

MetLife Pet Insurance is Available in the Sunshine State. See What’s Covered

MetLife Pet Insurance policies bend to fit your lifestyle. Whether you go for the standard pet insurance policy or the extensive policy, you can customize depending on your pets’ needs. You could have up to three pets on the same policy, as well as adjust your limits, deductibles, and reimbursement rates.

You can read our dog insurance and cat insurance pages to understand pet specific coverage, but here are a few of the basics that every MetLife Pet Insurance standard policy covers:

How Much Is Pet Insurance in Florida?

The cost of pet insurance doesn’t have to be expensive. MetLife’s policies start at $9 a month for cats and $15 a month for dogs.8 From there, you have space to customize your coverage limit, deductible, and reimbursement rate, all of which will affect the price.

Depending on where you live in Florida, your overall cost may vary. A policy for a family from Orlando will typically cost more than one for a family from Mount Dora due to the prices vets in the bigger city charge. Your price will also be determined by how many pets you have on the policy along with your pets’ breeds, ages, and genders9.

Pet Insurance Claims We Paid in Florida

The best way to demonstrate the benefits of having pet insurance is to show how it’s helped pet parents across the Alligator State. Here are some examples of pet emergencies, hospitalizations, and treatments, as well as what MetLife paid out.10 If you have a cat or dog, any of these situations could have been you.

Notable Claim in the Everglade State

Ginger, a dachshund puppy from Miami, got really excited when she saw a toad hopping through her backyard one night. The dog chased the toad and licked it before it hopped back to the swamp, where it came from.

The toad was a bufo toad, known for causing seizures, arrhythmias, and death in pets in sometimes mere minutes.11 Ginger’s owners saw the whole thing happen and rushed the little pup to the vet, where she was treated. The hospitalization and treatment cost a whopping $900, but MetLife reimbursed over $600.

Ginger recovered nicely, but is no longer allowed to play in the backyard after dark when the toads are the most active.10

Pet Injuries and Illnesses Typically Found in Florida

The Sunshine State is beautiful, but rife with danger for your pets. ForeverVets, a Florida veterinary group, shared how Florida is home to many dangerous creatures, any of which could hurt your pet.12 Plus, two viruses have been running rampant through Florida dogs over the past few years.

Here are a few injuries and illnesses Florida pet parents should watch out for.

Plants in Florida That Can Be Poisonous to Pets

From the subtropical humid Tallahassee in North Florida to the full blown tropical city of Jupiter in South Florida, the state is known for its diverse plant life. However, the subtropical and tropical climates lend themselves to some more toxic flora. Because of this, it’s crucial that pet-owning Floridians keep a close eye whenever their dogs or cats are outdoors.

The American Society for the Prevention of Cruelty to Animals (ASPCA) provides a comprehensive list of plants toxic to dogs and cats.13 If your pet does come into contact with any of these plants, consider taking them to the vet.

Here’s a list of some common Florida plants that can be toxic to cats and dogs:

Most Popular Dog Breeds in Florida

Florida pet parents take care of a wide variety of dog breeds. These are the three dog breeds that get adopted the most in Florida.14 We also included a few health conditions each breed is predisposed to.

Adopt Your Next Pet in The Orange State

Now that you know the basics of pet dangers, healthcare, and health insurance in the state, it may be time for you to take the leap. Become a pet parent today. Florida has so many cats and dogs just waiting to be adopted into loving homes.

Use Petfinder’s handy tool to find your next pet. Browse through nearly 3,000 adoptable dogs and adoptable cats in the sunny state.

Adoption shelters in FL

Whether you’re searching for a new kitty or one of the top three dog breeds in the state, shelters in Florida are ready to help you! Check out some of them below to see all the good girls and boys looking for their forever home. 

Peggy Adams Animal Rescue League

3200 N Military Trl #3100, West Palm Beach, FL 33409

Pet Alliance of Greater Orlando

Locations in Orlando and Sanford

If You Live in Florida, Consider Insuring Your Pet

You may be a retiree with a few cats or a surfer who’s enjoying the beaches with their puppy. Whatever your lifestyle, it’s also your pet’s. Whether you’re a permanent resident or you’re a snowbird, your pets are exposed to risks in the Sunshine State all the time.

Do you want assurance that you can afford the best care for your cats and dogs, no matter what happens? Invest in the best pet insurance. Florida pet parents shouldn’t have to choose between paying their pet’s vet bills and paying other bills. Get your quote for MetLife Pet Insurance today.

855-270-7387

Want to learn more?

There is no substantive difference between a MetLife Pet Insurance policy in Florida and a MetLife Pet policy in another U.S. State

**As with any insurance policy, coverage may vary. Review our coverage and exclusions.

1 “2023 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

2 Virtual veterinary services are available through the MetLife Pet App and are provided entirely by AskVet, a third-party partner; MetLife Pet is not responsible for any pet guidance or advice provided or taken. Veterinarians providing virtual veterinary services cannot prescribe medication or answer questions about the pet policy.

3 Family plan policies are limited to dogs age 12 and under and cats age 14 and under. Multi-policy discount is not available with Family Plans.

4 Based on a March 2024 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.

5 Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors; Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors. Based on a March 2024 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.

6 Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.

7 Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose.

8 Annual limit options range from $ 500  - $25,000 in $1,000 increments.  Unlimited benefit option subject to availability. Pet age restrictions may apply.

9 Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

10 All claims paid amounts are based on MetLife Pet internal claims data from June 2023. This example is for illustrative purposes only. This is based on a policy with a $250 deductible and 80% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

11 All claims paid amounts are based on MetLife Pet internal claims data from June 2023. This example is for illustrative purposes only. This is based on a policy with a $250 deductible and 20% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

12 All claims paid amounts are based on MetLife Pet internal claims data from June 2023. This example is for illustrative purposes only. This is based on a policy with a $50 deductible and 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

13 All claims paid amounts are based on MetLife Pet internal claims data from September 2023. This example is for illustrative purposes only. This is based on a policy with a $100 deductible and 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

14 “Toxic and Non-Toxic Plants List,” American Society for the Prevention of Cruelty to Animals

15 “Most Popular Dog Breeds by State in 2024 (With Pictures),” Dogster

16 Covered only if recommended by a vet for illness, injury, or prevention

Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Availability is subject to regulatory approval. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota), and MetLife Pet Insurance Solutions Agency LLC (Illinois).

Disclosure for Maine Residents

L0624041275[exp0626][All States][DC,GU,MP,PR,VI]

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