Expertise.com

2024

Last updated:

Best Pet Insurance Companies in Miami, FL

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Miami Pet Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

7776Reviewed

4668Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

12505 NW 7th Ave, Miami, FL 33168
WebsiteLicense: R006217

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Popular Insurance serves pet parents in Miami. It offers basic, comprehensive, and pet well care protection coverages that protect owners and their families from the financial cost of an emergency. The agency has insurance packages for reptiles, exotic birds, and ferrets, covering vet visits, tests, and surgeries. Apart from health insurance, Popular Insurance also provides life and theft coverage for owners of police dogs and championship dogs, cats, and horses. Additionally, this policy intends to safeguard the lives of highly valuable animals in zoos.

  • Policy Bundle Discount

301 Yamato Rd. #2250, Boca Raton, FL 33431
WebsiteLicense: L094577

Expertise.com Rating

Review Sources

Yelp
4.0 (6)
Google
4.5 (2)

Why choose this provider?

Seeman Holtz Property & Casualty serves clients in the Miami area. Its pet insurance product provides financial protection for different dog and cat breeds. The policy offers compensation for medical treatments, hospitalizations, and medication. Clients can also get insurance for homes and rental properties, along with personal vehicles like cars, motorcycles, and boats. In addition, the agency offers policies for businesses that cover workers' compensation claims and trucking fleets. Seeman Holtz is part of The Florida Association of Insurance Agents.

990 Biscayne Blvd Suite 603, Miami, FL 33132
WebsiteLicense: L106229

Expertise.com Rating

Review Sources

Google
4.0 (630)
Yelp
2.6 (22)

Why choose this provider?

Spot Pet Insurance provides coverage for dog and cat owners in Miami. The agency offers flexible packages that cover unexpected injuries such as bites, cuts, broken bones, and consumed toxins. It includes plans for major and minor illnesses such as cancer, immunodeficiency viruses, urinary tract infection, and thyroid diseases. It also covers alternative therapy options such as physiotherapy, hydrotherapy, chiropractic care, and acupuncture. In addition, Spot Pet Insurance assists owners in dealing with behavioral issues like anxiety, destruction, fur pulling, and aggression.

  • Policy Bundle Discount

1444 Biscayne Blvd Suite 308, Miami, FL 33132
WebsiteLicense: L110296

Expertise.com Rating

Review Sources

Google
4.0 (79)
Yelp
5.0 (3)
Facebook
5.0 (1)

Why choose this provider?

Lexi Goza serves pet owners in Miami and nearby areas. She crafts policies for different dog and cat breeds. She also offers other products, such as car, home, property, life, and business insurance. She's the owner of the Lexi Goza State Farm Insurance Agency, which has been serving the community since 2019. She appears as a guest anchor on Queer News Tonight, which is a live news show dedicated to the LGBTQ+ community.

  • Life Insurance
  • Health Insurance

4300 Biscayne Boulevard, Suite 203, Miami, FL 33137
WebsiteLicense: P177757

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
5.0 (5)

Why choose this provider?

Alpha Private Insurance serves individuals, families, and businesses throughout Miami and the surrounding metros. The agency provides pet insurance plans so that clients may rest easy knowing that, should their pets get sick or hurt, their medical costs would be covered. As an independent agency, it connects clients to its vast network of insurance providers, including Berkshire Hathaway, Foremost, and Hiscox. Alpha Private Insurance also uses a custom tool known as Forensic Risk Analysis to identify clients' insurable risks and, if relevant, review current coverage.

  • Policy Bundle Discount

13755 SW 42nd Street, Miami, FL 33175
WebsiteLicense: L001630

Expertise.com Rating

Review Sources

Google
4.8 (228)
Yelp
4.5 (13)

Why choose this provider?

Rick Sanchez is a Miami-based insurance agent that has been affiliated with State Farm for more than 30 years. He assists clients looking for a pet insurance policy that can cover veterinary treatments for different breed-specific conditions, such as thyroid disease, Cherry Eye, and elbow dysplasia. He also offers other products to individuals in need of property, home, auto, or life insurance options. In addition, Sanchez holds a membership with the Million Dollar Round Table.

  • Life Insurance
  • Health Insurance

8600 NE 2nd Avenue, Miami, FL 33138
WebsiteLicense: L002153

Expertise.com Rating

Review Sources

Google
4.5 (51)
Facebook
5.0 (29)
Yelp
3.0 (6)

Why choose this provider?

Michele Belizaire assists pet owners who want to take extra care of their furry family members. She and her team aim to protect Miami-based individuals from significant financial loss caused by pets' illnesses and injuries by offering Trupanion, which generally covers expenses related to medical attention provided to pets. This includes diagnostic tests, surgeries, hospital stays, prescriptions, and even prosthetic devices and carts. Belizaire has been with State Farm since 1985 and also serves the French and Creole-speaking communities.

  • Multiple Policy Types

9004 SW 152 Street, Palmetto Bay, FL 33157

Expertise.com Rating

Review Sources

Google
4.8 (16)
Yelp
4.5 (5)
Facebook
4.0 (4)

Why choose this provider?

Steve Myers is a State Farm insurance agent serving clients throughout Miami and the surrounding areas. He offers a variety of insurance products, such as pet insurance plans from Trupanion®. These plans include coverages for illnesses, including heart disease and cancer, injuries, treatment and procedures, and breed-specific conditions. He assists pet owners in selecting the level of coverage that suits their pets' needs. Steve has been with State Farm for over 20 years. His insurance agency also renders services in Spanish.

Compare our Top Pet Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Popular Insurance
12505 NW 7th Ave, Miami, FL 33168
Seeman Holtz Property & Casualty
301 Yamato Rd. #2250, Boca Raton, FL 33431
Spot Pet Insurance
990 Biscayne Blvd Suite 603, Miami, FL 33132
Lexi Goza
1444 Biscayne Blvd Suite 308, Miami, FL 33132
Alpha Private Insurance
4300 Biscayne Boulevard, Suite 203, Miami, FL 33137
Rick Sanchez
13755 SW 42nd Street, Miami, FL 33175
Michele Belizaire
8600 NE 2nd Avenue, Miami, FL 33138
Steve Myers
9004 SW 152 Street, Palmetto Bay, FL 33157

FAQs

  • How much do Miami residents typically spend on pet insurance monthly?

    In Miami, pet owners on average pay around $50 monthly for combined accident and illness coverage for dogs; for cats, it was roughly $30. Plans covering just accidents were more economical, averaging $20 monthly for dogs and nearly $10 for cats. However, specific premiums can vary based on factors such as breed, age, and even the area within Miami.

  • What are the specifics of pet insurance waiting periods in Miami?

    In Miami, to counteract potential misconduct by pet owners knowledgeable of their animal's pre-existing health conditions, insurance policies have designated waiting periods post-enrollment. While the periods for illnesses and accidents differ, coverage for accidents often kicks in promptly. However, specialized waiting times may be set for particular health issues. This approach curtails the chances of deceitful claims, ensuring system integrity.

  • Is pet insurance necessary for indoor animals in Miami?

    While it might seem that an indoor pet in Miami, such as a cat lounging most of the day, has minimal risks, it doesn't exclude them from potential illnesses or unexpected veterinary emergencies. Despite their reduced exposure to outdoor hazards, indoor animals can still face health issues. Therefore, securing pet insurance remains a prudent decision to ensure they receive the best care if needed.

  • In Miami, can residents claim pet insurance and other pet-related expenses on their taxes?

    Various expenses, ranging from pet insurance and medical treatments to grooming and transportation, might be deductible in Miami. Yet, to claim these, the pet must either contribute to earning income or fulfill a specific physical necessity. Individuals who own service or working animals can list their veterinary expenses as deductions. Additionally, fostering animals through an IRS-acknowledged charity without compensation allows for vet bill deductions.

  • How do various deductibles work in Miami's pet insurance policies?

    Pet insurance in Miami includes different deductible types, each influencing premiums. There's an annual deductible, covering all claims in a year once a set amount is reached. The per-incident deductible applies separately to each new ailment or event. Lastly, the lifetime deductible accumulates over the pet's insurance duration without yearly resets. Grasping these deductibles can guide Miami pet owners in policy choices.