Best Pet Insurance In New York (NY) For 2024

When it comes to the best pet insurance in New York, Lemonade is my top pick.

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Updated: 16 February 2024
Written by
Doug Schaffer
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Our team of insurance experts sifted through various pet insurance providers to pinpoint the best coverage options for various situations. Lemonade emerged as the top choice, offering comprehensive coverage that’s tough to beat in New York. They also came out on top in terms of affordability, especially for pet owners with young furry companions.

But it’s worth noting that three other companies – ASPCA, Embrace, and Pets Best – also deserve recognition in their respective categories.

In the upcoming sections, we’ll dive into some of the finest pet insurance policies in New York and explore how different factors can influence the overall cost of premiums.

Best Pet Insurance In New York, 2024

Best Overall Coverage - Lemonade Pet Insurance
Best for Affordable Coverage - Lemonade Pet Insurance
Best for Owners of Young Pets - Lemonade Pet Insurance
Best for New Pet Owners - ASPCA Pet Insurance
Best for Cat Owners - Embrace Pet Insurance
Best Pet Insurance, New York 2024

Compare The Best Pet Insurance In New York

Overall Rating Best For Coverage Waiting Period Average Annual Cost for Cats Average Annual Cost for Dogs Get A Quote
Pets Best

Owners Of Multiple Pets

3 days for accidents and 14 days for illnesses



Instant Quote
Lemonade Pet Insurance

Overall Coverage

2 days for accidents and 14 days for illnesses



Instant Quote
Lemonade Pet Insurance

Owners Of Young Pets

2 days for accidents and 14 days for illnesses



Instant Quote

New Pet Owners

Immediately for preventive care and 14 days for illnesses and accidents



Instant Quote
Lemonade Pet Insurance

Affordable Coverage

2 days for accidents and 14 days for illnesses



Instant Quote

Cat Owners

48 hours for accidents and 14 days for illnesses



Instant Quote
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Our Methodology

To find the most budget-friendly pet insurance rates in New York, our team delved into data from various pet policy providers across the state. We also tapped into the collective expertise of our insurance specialists, boasting over twenty-five years of experience in the field.

However, it's essential to bear in mind that while the rates we provide in this guide are accurate at the moment, premiums can fluctuate daily, influenced by factors such as a pet's age or breed.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

The Best Pet Insurance Providers In New York

Cheapest Rates For Owners Of Young Pets

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many folks choose to bring young pets into their homes, creating the opportunity for their furry companions to grow alongside the family. While having a kitten or puppy is full of excitement, the added responsibilities can feel a bit overwhelming at first. Besides the essential training, finding a pet insurance provider that makes coverage easy to obtain and manage is crucial.

Lemonade strikes the perfect balance between affordability and user-friendliness. They offer an industry-leading mobile app and a top-notch customer service team, all at average rates of $18.14 for cats and $35.18 for dogs.

For those with young pets, Lemonade Pet Insurance stands out as the ultimate choice.

Benefits & Drawbacks

  • Policyholders enjoy a mere 2-day waiting period for pet injury coverage
  • Swift processing of claims with fast turnaround times
  • Access to a wide range of discounts
  • The company allocates a portion of the policyholder's premium to support nonprofits
  • Certain pet breeds become ineligible for coverage once they reach a certain age
  • Coverage is not available in all 50 states
  • Insurance rates are influenced by the credit and claim history of the pet owner

Best Overall Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

A pet insurance provider earns its stripes based on various factors such as cost, customer service, and how quickly they handle claims. In New York, Lemonade Pet Insurance really shines across the board. They offer wallet-friendly monthly rates at just $18.41 for cats and $35.18 for dogs.

But it’s not just about affordability; Lemonade also scores high in the customer service department. New York pet owners have praised their exceptional service, with team members who genuinely care about our furry friends, and it clearly reflects in the way they treat policyholders.

Benefits & Drawbacks

  • Rapid 2-day waiting period for accident coverage
  • Boasts an industry-leading claims processing department
  • Offers a wide array of available discounts
  • A portion of monthly premiums is directed towards supporting nonprofits
  • Enrollment for certain pet breeds may be restricted by age
  • Policies are not accessible in all states
  • Insurance rates take into account the credit and claim history of the pet owner

Cheapest Rates For Owners Of Multiple Pets

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
9/10 Coverage Level

Why We Like Them

Being a multi-pet owner might mean more pet food and toys expenses, but it can be a perk when it comes to pet insurance. Companies like Pets Best, for example, provide discounts for policies covering multiple pets.

In addition to these discounts, Pets Best offers budget-friendly monthly premiums, with average rates for cat insurance at $29.54 and dog insurance at $41.39.

What sets Pets Best apart are the extra perks for policyholders, including a 24/7 vet helpline for emergencies and coverage for pets with disabilities or in need of special prosthetic devices.

Benefits & Drawbacks

  • Coverage includes pets in need of wheelchairs or prosthetic devices
  • Access to veterinary assistance through the 24/7 vet healthline
  • Accident coverage entails a 3-day waiting period
  • Offers adaptable coverage choices for accident and illness policies
  • Claims processing often exhibits slower turnaround times compared to other competitors
  • Policy modifications are only viable during the renewal period

Cheapest Rates For New Pet Owners

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

For those just stepping into the world of pet ownership, it’s crucial to have a reliable pet insurance provider like ASPCA, known for its strong commitment to animal well-being.

While ASPCA isn’t the cheapest pet insurance provider and it may have somewhat higher average premiums, with cat insurance at $38.67 and dog insurance at $83.30, there are several compelling reasons to consider them despite the added expense. For instance, ASPCA doesn’t impose age restrictions, meaning even senior pets can secure coverage, regardless of their age.

Moreover, ASPCA extends its offerings to include coverage for behavioral problems and alternative therapies, which can be particularly beneficial for certain dog breeds.

Benefits & Drawbacks

  • Coverage encompasses items such as alternative therapies, behavioral issues, and congenital conditions
  • Short 14-day waiting period for cruciate injuries
  • Access to a 24/7 telehealth vet line
  • Vet clinic visit fees for illnesses and accidents are included in standard policies
  • Unlimited annual coverage can only be obtained through an agent
  • Limited choices for deductible options

Cheapest Rates For Cat Owners

Overall Rating

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

For cat owners in New York seeking top-notch policies for their furry friends, Embrace Pet Insurance is a compelling choice. They provide cost-effective cat insurance, with an average monthly premium of just $20.44.

What sets Embrace apart is their commitment to giving back – for every policy they sell, they donate $2 to charitable causes.

Additionally, Embrace is the preferred partner for several major car and home insurance companies, including USAA, Allstate, and GEICO.

Benefits & Drawbacks

  • Affordable policy choices are available
  • Many standard policies offer coverage for treatable pre-existing conditions
  • Owners of pets requiring orthopedic care can bypass the waiting period with a veterinary examination
  • Senior pets aged 14 and above are only eligible for accident-only policies
  • Supplemental coverage is not included in standard policies

Best Affordable Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many folks who adore their pets want to ensure their well-being, but they often think pet insurance will dent their wallets. However, Lemonade sets a different example, showing that safeguarding your furry pals doesn’t have to be costly. On average, cat owners typically shell out just $18.41, while dog owners budget around $35.18.

To make it even easier on the wallet, Lemonade Pet Insurance provides a range of discounts, including bundle deals that can slice costs by up to 15%. They’ve also crafted a user-friendly mobile app that makes managing your existing policies a breeze.

Benefits & Drawbacks

  • 2-day waiting period for accident coverage
  • Faster claims processing compared to other major competitors
  • Offers a variety of available discounts
  • The company allocates a portion of the policyholder's premium to support nonprofits
  • Some pet breeds become ineligible for coverage after reaching a certain age
  • Coverage limitations based on the state of residence
  • Pet owner credit and claim history influence insurance rates

Average Cost Of Pet Insurance In New York

Average Cost In New York — By Cat Breed

Cat Breed Average Monthly Cost
Domestic Shorthair $15
Sphynx $15
Siamese $20
Maine Coon $25

Average Cost In New York — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $27
Pets Best $32
TrustedPals $33
Figo $42

Average Cost Of Pet Insurance In New York — By Dog Breed

Dog Breed Average Monthly Cost
Affenpinscher $17
Labradoodle $35
Greyhound $61
Newfoundland $83

Average Cost In New York — Comprehensive Coverage

Insurance Provider Average Monthly Cost for Comprehensive Coverage
ManyPets $33
Pets Best $40
Lemonade $45
Trusted Pals $48
Healthy Paws $54

How To Find The Best Pet Insurance Company For You

Getting pet insurance is akin to securing your health or life insurance. It’s crucial to compare rates, but before you dive into that, you should make sure you understand what to look for in a pet policy.

For instance, most companies offer either accident-only coverage or a plan that includes accident coverage and forgiveness. Each type has its advantages and suits different situations.

Accident-only coverage is often ideal for younger pets less prone to age-related illnesses. Conversely, comprehensive plans make more sense for breeds with a higher risk of health issues.

Another factor to think about is the waiting period’s duration. Since each pet insurance plan has its unique waiting period for accidents and illnesses, you’ll need to figure out what aligns best with your pet’s health needs.

Largest Pet Insurance Companies In The United States

Company Name Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Pet Insurance 1.4%
Petsecure 1.3%
Healthy Paws Pet Insurance .73%
Pumpkin Pet Insurance .48%

How To Buy Pet Insurance Online In New York

Obtaining pet insurance is a straightforward process, especially when using a platform like Insuranceopedia. However, there are several preparatory steps you can take to streamline the process. Here are four crucial actions to consider when purchasing pet insurance:

Collect Essential Information in Advance – Gather key details such as your pet’s type, breed, age, medical history, and any documentation regarding their lineage.


Determine Coverage and Deductible – Decide on the level of coverage and deductible that suits your pet’s needs and your budget.


Compare Multiple Pet Insurance Quotes – Take the time to compare quotes from at least three different insurance providers to find the best fit.


Secure Your Policy and Inform Your Veterinarian – Once you’ve selected a policy, make the purchase and promptly inform your veterinarian about your new coverage. This ensures seamless coordination of care for your pet.


Factors That Impact Cost Of Your Pet Insurance Policy In New York

Pet owners often believe that their pet insurance premiums are determined by just one or two factors. However, the cost of pet insurance involves several key elements. These pricing components encompass:

  • Type of Pet
  • Breed
  • Age
  • Type of Insurance
  • Location

Type Of Pet

When you’re in the market for pet insurance, the kind of pet you have significantly influences your monthly premiums. On average, dog owners pay 2-3 times more than cat owners because dogs tend to spend more time outdoors, which raises their risk profile.


Much like the type of pet, the breed of your pet is another aspect affecting the cost of pet health insurance. While many dog breeds have similar rates, some breeds are considered higher risk. For instance, breeds like boxers and bulldogs have a history of sinus and skin issues, leading to higher monthly premiums.


Age is a critical factor in the quotes you receive from pet insurance providers. Some companies offer competitive rates regardless of age, while others may deny coverage for older pets. If you have a senior pet, it’s crucial to explore various pricing options.

Type Of Insurance

When you’re purchasing pet insurance, you typically have two primary choices: accident-only or accident and illness coverage. Both options provide protection for your pet, but comprehensive policies often come with a higher monthly cost. Deciding whether the extra coverage is worth the added expense is an important consideration.


Regional pricing is another factor that many pet insurance companies take into account when assessing your application. While there’s usually not a significant difference in premiums between different cities, specific state regions might be deemed higher risk due to an increased number of claims from that area.

Understanding these factors can assist you in navigating the world of pet insurance and making an informed decision about coverage for your beloved pet.

Pet Insurance Discounts In New York

Like many types of health insurance, pet insurance expenses can vary depending on your location in New York. To reduce the overall cost of your pet health insurance policy, you can take advantage of discounts. While not all pet insurance plans offer identical discounts, it’s worthwhile to consider the following options:

  • Employer-sponsored discounts
  • Multi-pet discount
  • Employee union discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts
  • Special service animal discounts

New York Pet Insurance Laws To Know

While pet insurance isn’t mandatory for pet owners in New York, there exist various laws and bills aimed at safeguarding both animals and their caregivers. An instance of this is a recent House Bill that was proposed and subsequently enacted, addressing the use of a dog’s breed in homeowners’ and renters’ insurance determinations.

Before this, insurance companies had the authority to decline coverage to an applicant, terminate a policyholder’s coverage, or impose higher monthly premiums solely based on a pet’s breed. However, following the enactment of House Bill 2323, it’s now against the law for insurance companies to engage in such discrimination based on a dog’s breed or physical appearance.

In The News

Information About New York

New York is home to one of the most iconic cities in the United States and boasts a rich cultural tapestry. The state is teeming with historical sites, museums, and neighborhoods that provide insights into its diverse heritage and traditions.

Moreover, New York is renowned for its striking natural beauty, with popular destinations like Niagara Falls, the Adirondack Mountains, and the Catskills. Visitors to the state have an abundance of opportunities to immerse themselves in awe-inspiring landscapes and outdoor adventures.


Do all vets take pet insurance in New York?

Every veterinary clinic in New York (or New York City)is equipped to accommodate pet health insurance because it operates on the premise of pet owners covering the initial medical costs and then seeking reimbursement from the pet insurance provider.

How much is pet insurance in New York?

Similar to the trend across the nation, cat owners in New York tend to spend less on insurance compared to their dog-owning counterparts. On average, cat insurance in New York (and New York City) comes with a monthly premium of $27.56, while dog insurance usually runs around $48.81 per month.

Do I legally have to insure my pet in New York?

While it’s advisable to have pet insurance for all your furry companions, it’s important to note that in New York, there’s no legal mandate requiring you to insure your dog or cat.

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