Best Pet Insurance In New York 2025

ew York has the second highest share of pet insurance policies across the United States representing 8.4% of all pet insurance policies.

However, New York also has some of the highest pet insurance premiums averaging $47 per month for cats, which is 30% higher than the national average and $63 per month for dogs, which is 34% higher than the national average.

As such, New York pet owners are looking for ways to find affordable pet insurance companies with the right type of coverage at affordable prices.

Average Cost of Pet Insurance in New York

Pet insurance costs in New York vary based on your pet’s breed, size, and the type of coverage you choose. Here’s a breakdown of the average monthly premiums you can expect:

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

Cats are generally more affordable to insure than dogs. Below are the average monthly premiums for some common cat breeds in New York:

Average Cost Of Accident-Only Coverage In New York

Accident-only plans are more budget-friendly and cover injuries from unexpected incidents (like broken bones or lacerations), but not illnesses:

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

Dog insurance premiums tend to be higher, especially for larger breeds or those prone to health issues. Here’s what New York pet parents typically pay:

Average Cost Of Comprehensive Coverage In New York

Comprehensive pet insurance covers both accidents and illnesses — and often includes more robust reimbursement options:

How To Find The Best Pet Insurance Company For You

Finding the best pet insurance company for you is much the same as finding the best health insurance or life insurance company.

1. You need to first determine what type of coverage you need for your pet. If, for example, you have a new kitten, you might want coverage that includes wellness and preventative care so that you can get a discount on the more expensive procedures and vaccinations that are required during the first few years.
2. From there you need to decide what types of discounts might apply to you as many of the discounts on pet insurance in New York are specific to different companies. If you qualify for multiple discounts from the same company, that might help you make your decision.

Take time to look at each company you are considering and review their reputation, how quickly they process claims, what the claims process looks like and whether it’s something as simple as uploading a picture from your mobile device.

Largest Pet Insurance Companies In The United States

The U.S. pet insurance market has experienced significant growth, with a valuation of approximately USD 4.99 billion in 2024 and projections indicating it could reach USD 15.71 billion by 2030, growing at a compound annual growth rate (CAGR) of 20.98%.

Pet Insurance Discounts In New York

Pet insurance in New York can be expensive, but many residents qualify for exclusive discounts based on profession, memberships, or policy preferences. While these offers vary by provider, here are some common ways to save:

Common Discounts in New York:

• Teachers (NYSUT Members): Eligible for preferred pricing and multi-pet discounts with select providers.
• AAA Members: May receive up to 10% off per pet, with an additional 10% multi-pet discount.
• Costco Members: Some providers offer discounts of up to 15% for Costco shoppers.
• Military (Active & Retired): Eligible for military discounts averaging 5% with certain providers.
• Senior Citizens: Some companies offer age-based discounts for older pet owners.

Other Ways to Save:

• Preventive Care Add-Ons: Some insurers offer discounts when you include wellness coverage.
• Mobile App Management: Managing your policy digitally can unlock small savings or perks.
• Telehealth Integration: Providers may reduce rates for customers who use virtual vet care.
• Plan Customization: Choosing a higher deductible or lower reimbursement percentage often results in lower monthly premiums.

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

There are many factors that impact the cost of a pet insurance policy in New York.

Location

Where you live in New York makes a big difference.

For example:

• In Buffalo, the average monthly premium is around $32
• In Rochester, it rises to about $37

Urban areas with higher vet costs or more frequent claims often come with higher premiums.

Pet Type/Breed

In New York, dog insurance policies account for 81.7% of all the pet insurance policies across the state, with the remainder applied to cats and other small animals.

The pet type and breed is one of the most important factors that impacts the cost of New York pet insurance policies.

Certain breeds, especially purebred dogs and cats, are prone to specific health issues, many of them costly. If you own a pet that is prone to known health issues, you will pay higher premiums.

Age

Younger pets are generally cheaper to insure.
As your pet ages, premiums go up due to the higher likelihood of chronic conditions and major health events.

For example:

• A young Golden Retriever may be affordable to insure now…
• But premiums rise as they become more prone to hip dysplasia, arthritis, or other age-related conditions.

Reimbursement/Deductible

Your reimbursement rate determines how much of your vet bill the insurer pays after the deductible:

• 90% reimbursement = higher premiums
• 70% reimbursement = lower premiums

Your deductible is how much you pay out-of-pocket before insurance kicks in:

• A higher deductible lowers your premium
• A lower deductible raises it

Most New York providers allow deductibles from $100 up to $1,000.

Coverage Type

Another factor that impacts the cost of pet insurance policies in New York is the type of coverage you pick. There are two main types:

1. Accident and Illness: Accident and illness coverage, as the name suggests, gives your pet coverage against treatment costs for unexpected illnesses and accidents.
2. Accident-Only: Accident-only coverage does not provide protection for treatment costs associated with unexpected illness, only accidents.

Accident-only is the cheaper of the two options but it also means that you have to pay out of pocket for unexpected illnesses.