Best Pet Insurance In New York 2025
When it comes to New York pet insurance, Lemonade is at the top of our recommendations.
We’ve saved shoppers an average of $350 per year on their pet insurance.
I researched many pet insurance companies to see which ones offered the most thorough coverage. Lemonade Pet Insurance earned the title of the best all-around pet insurance provider in New York.
In the following sections, we’ll take a closer look at some top New York pet insurance options and how various factors can affect insurance costs.
Best Pet Insurance In New York, 2025
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 |
$29.54 |
$41.39 |
Instant Quote |
| Lemonade Pet Insurance |
|
Overall Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Lemonade Pet Insurance |
|
Owners Of Young Pets |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| ASPCA |
|
New Pet Owners |
Immediately for preventive care and 14 days for illnesses and accidents |
$38.67 |
$83.30 |
Instant Quote |
| Lemonade Pet Insurance |
|
Affordable Coverage |
2 days for accidents and 14 days for illnesses |
$18.41 |
$35.18 |
Instant Quote |
| Embrace |
|
Cat Owners |
48 hours for accidents and 14 days for illnesses |
$20.44 |
$48.25 |
Instant Quote |
Best Pet Insurance Companies In New York
Cheapest Rates For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Many families love adopting young pets, but caring for a new kitten or puppy can be a bit overwhelming. Besides training, it’s essential to choose a pet insurance provider that simplifies coverage. Lemonade Pet Insurance offers affordable premiums and is known for its easy-to-use mobile app and excellent customer support. With average rates of $18.14 for cats and $35.18 for dogs, Lemonade is the top choice for young pet owners.
Benefits & Drawbacks
⇅- Policyholders can file for pet injury claims after a mere 48-hour wait.
- Claims are dealt with promptly.
- Policyholders can take advantage of a wide range of discounts.
- The company uses some of the policyholder's premium to fund nonprofit work. ✓
- After a specific age, certain pet breeds are excluded from insurance coverage.
- Coverage is limited to less than all 50 states
- The cost of insurance takes into account the pet owner's credit and their history of making claims. ✘
Best Overall Coverage
Key Statistics
Why We Like Them
⇅Various factors contribute to a pet insurance company’s rank as the best in a region, such as cost, service quality, and claims processing speed. In New York, Lemonade Pet Insurance topped the list, offering monthly rates as low as $18.41 for cats and $35.18 for dogs. Pet owners also appreciated Lemonade’s top-tier customer service, underscoring the team’s commitment to pet care.
Benefits & Drawbacks
⇅- Waiting time of two days for accident claims
- Exceptional claims processing wing
- An extensive range of discounts awaits.
- A portion of each month's payments goes to nonprofits. ✓
- Certain pet breeds require enrollment within specific age limits.
- Rules may not be accessible in all states.
- Pet insurance rates depend on the pet owner's credit and their past insurance claims. ✘
Cheapest Rates For Owners Of Multiple Pets
Key Statistics
Why We Like Them
⇅Taking care of multiple pets may require spending more on food and toys, but it can save you money on pet insurance. Many insurers, including Pets Best, offer multi-pet discounts. They also provide affordable coverage, with monthly premiums averaging $29.54 for cats and $41.39 for dogs. Pets Best offers additional benefits like a 24/7 vet helpline and coverage for pets with disabilities or special prosthetics.
Benefits & Drawbacks
⇅- Pets needing wheelchairs or prosthetic devices are included in our coverage.
- You can reach out for veterinary help via the 24/7 vet healthline.
- Accident insurance starts after a brief three-day wait.
- Accident and illness policies come with customizable coverage options. ✓
- Compared to its competitors, the processing of claims is relatively sluggish.
- Policy amendments are exclusively allowed at renewal time. ✘
Cheapest Rates For New Pet Owners
Key Statistics
Why We Like Them
⇅Choosing a pet insurance provider with a strong background in animal health, like ASPCA, is essential for new pet owners. While their premiums are slightly higher—$38.67 for cats and $83.30 for dogs—ASPCA offers advantages that justify the cost. They don’t have age restrictions, allowing senior pets to be covered, and they provide additional coverage for behavioral issues and alternative therapies, especially helpful for certain breeds.
Benefits & Drawbacks
⇅- Included in the coverage are alternative therapies, behavioral issues, and congenital conditions.
- After cruciate injuries, expect a 14-day wait.
- Consult a vet 24/7 through our telehealth hotline.
- Common policies include coverage for vet clinic visits for illnesses and accidents. ✓
- Access to unlimited coverage for a year is restricted to agents.
- You have limited deductible alternatives. ✘
Cheapest Rates For Cat Owners
Key Statistics
Why We Like Them
⇅If you own a cat in New York and want top-quality insurance, Embrace Pet Insurance offers affordable coverage at an average of $20.44 per month. They also support charitable causes, donating $2 for each policy sold. Embrace partners with major insurance firms like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- Cost-effective policy options are accessible.
- Many standard insurance policies include coverage for treatable pre-existing conditions.
- Pet owners can expedite orthopedic care by obtaining a veterinarian's evaluation. ✓
- Accident-only policies are restricted to pets aged 14 and older.
- Typical policies do not contain supplemental coverage. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Many believe pet insurance is expensive, but Lemonade Pet Insurance dispels this myth with affordable rates. On average, cats are covered for $18.41, and dogs for $35.18. Lemonade also offers various discounts, including bundling options that reduce costs by up to 15%, and their mobile app makes policy management easy for pet owners.
Benefits & Drawbacks
⇅- There's a two-day waiting time for accidents.
- Claims are resolved faster than those of other big names in the industry.
- You can take advantage of multiple discounts.
- A share of your premium supports non-profit causes. ✓
- Once a specific age is reached, insurance for certain pet breeds may expire.
- Your coverage may be restricted depending on your place of residence.
- The pet owner's insurance premiums are influenced by their credit and claims history. ✘
Average Cost Of Pet Insurance In New York — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $15 |
| Sphynx | $15 |
| Siamese | $20 |
| Maine Coon | $25 |
Average Cost Of Accident-Only Coverage In New York
| Insurance Provider | Average Monthly Cost |
| Lemonade | $27 |
| Pets Best | $32 |
| TrustedPals | $33 |
| Figo | $42 |
| ASPCA | $52 |
Average Cost Of Pet Insurance In New York — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Border Collie | $17 |
| Labradoodle | $35 |
| Pomeranian | $61 |
| Mastiff | $83 |
Average Cost Of Comprehensive Coverage In New York
| Insurance Provider | Average Monthly Cost |
| ManyPets | $33 |
| Pets Best | $40 |
| Lemonade | $45 |
| Trusted Pals | $48 |
| Healthy Paws | $54 |
How To Buy Pet Insurance In New York
The process of obtaining pet insurance is simplified when using Insuranceopedia.
Gather all the relevant information beforehand, such as your pet’s type, breed, age, medical history, and any documentation regarding their lineage.
Assess and select the coverage amount and deductible that are ideal for your pet’s situation.
Request and compare quotes from at least three different pet insurance providers.
Obtain your policy and notify your vet of the new insurance coverage.
How To Find The Best Pet Insurance Company For You
Securing pet insurance is similar to obtaining your own health or life insurance. Comparing different rates and coverages is important, but you first need to understand the basics of a pet insurance policy. Typically, insurers offer either accident-only coverage or comprehensive plans that cover both accidents and illnesses.
Accident-only coverage is usually suitable for younger pets with lower risks, while comprehensive plans are better for breeds prone to health issues. Another key factor to review is the waiting period, as each insurer has different terms for covering accidents and illnesses.
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% |
Pet Insurance Discounts In New York
In New York, the cost of pet insurance can vary based on location, just like health insurance. To cut down on your pet insurance costs, check for available discounts. Not all providers offer the same discounts, but you may find:
- Discounts from your workplace
- Discounts for multiple pets
- Discounts through unions
- Discounts from wholesale or special interest clubs
- Discounts for holding multiple policies
- Discounts for active and retired military personnel
- Discounts for seniors
- Discounts for online policy purchases
- Discounts for animal care employees
- Discounts for service animals
Factors That Impact Cost Of Your Pet Insurance Policy In New York
Many pet owners think their pet’s monthly insurance fee is influenced by only one or two factors. However, several aspects play a role in determining the cost, including:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet
The type of pet you have significantly affects your insurance premiums. Dog owners generally pay 2-3 times more than cat owners due to dogs’ higher exposure to risks from being outside.
Breed
The breed of your pet also impacts insurance costs. While most dog breeds don’t dramatically affect premiums, some breeds, like boxers and bulldogs, are more prone to health issues, resulting in higher rates.
Age
Age is a crucial factor in determining insurance quotes. Some insurers offer competitive rates regardless of age, while others might exclude older pets. Comparing options is crucial for senior pets.
Insurance Type
When choosing a pet insurance plan, you typically have two main options: accident-only or accident and illness coverage. Comprehensive plans cost more but offer more extensive protection. Evaluate whether the extra cost is justified.
Location
Your location can also influence insurance premiums. Although the premium difference between cities is usually minor, some states have higher rates due to a greater frequency of claims.
Our Methodology
We researched affordable pet insurance options in New York by analyzing data from various providers. Our team, boasting over two decades of insurance expertise, also provided insights. Keep in mind that while the rates in this guide are current, premiums can fluctuate daily based on factors like your pet's age and breed.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Do all vets take pet insurance in New York?
Every veterinary clinic in New York works with pet insurance, though the owner is responsible for paying the bills first, with the insurance company reimbursing them afterward.
How much is pet insurance in New York?
In line with the trend seen nationwide, insurance premiums for cats in New York are typically lower than those for dogs. The average cost of cat insurance is $27.56 per month, while dog insurance averages $48.81.
Do I legally have to insure my pet in New York?
Though it’s wise to insure your pets, it’s worth noting that in New York, there is no legal requirement to have insurance for your dog or cat.
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