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New York state has some of the highest costs for veterinary care, which means if Fido experiences an emergency, you may face what feels like an Earth-shattering bill. But signing up for pet insurance can direct your focus to your pet’s health instead of your bank account. Find out which company offers the best pet insurance for you in New York.
All of our top-ranked pet insurance providers offer coverage in New York. Your monthly premium is based on your dog’s breed, zip code, pre-existing conditions, and more. We’ve provided some information and stats for you to consider before signing up with a company.
|Pet Insurance Ranking||Best Overall||Best Value||Fastest Claim Processing||Best Multiple Pet Discount||Best Newcomer|
|Company||Pets Best||Figo||Healthy Paws||Embrace||Lemonade|
|Policy Coverage||Extensive||Extensive||More Limited||Extensive||More Limited|
|Customer Service & Reputation||Good||Excellent, Stable||Excellent, Stable||Excellent, Stable||Uncertain, New|
|Claim Processing (avg)||7-14 Days||3 Days||2 Days||5 Days||2 Days|
|Vet Direct Pay Option|
|Policy Price (avg)||Lower||Lower||Variable||Higher||Average|
|Plan Customizations||Many Options||Many Options||Restricted Options||Many Options||Many Options|
|Read Review||Read Review||Read Review||Read Review||Read Review|
One of the biggest factors influencing the cost of a pet insurance policy is your dog’s breed. Below is a list of the most popular dog breeds in New York.
- Labrador Retriever
- German Shepherd
- Golden Retriever
New York City
These are the most popular dog breeds in New York City.
- French Bulldog
- Cavalier King Charles Spaniel
- American Pit Bull Terrier
Pet insurance pricing is based on your pet’s details (e.g., age, breed, location, etc.). According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness dog insurance policy in the U.S. in 2021 was $48.66 ($28.57 for cats).
Since prices vary based on where you live as well as your pet’s characteristics, the best way to determine how much it would cost you is to complete our quick pet insurance quote form and get estimates from top pet insurance providers. This allows you to see how companies compare price-wise. With most companies, you can also adjust your monthly premium by lowering the deductible, reimbursement percentage, and annual payout to make it better fit your budget.
Once you have your customized price quotes, you may wonder how coverage varies among the different companies. Our pet insurance comparison includes multiple comparison charts to help you see key differences between coverage, waiting periods, age limitations, and more.
Below are the most pet-friendly cities in New York based on the 100 largest U.S. cities. Note: Cities that fall outside of New York were excluded from this table.
|Most Pet-Friendly Cities||Pet Budget*||Pet Health & Wellness**||Outdoor Pet-Friendliness***|
|New York City||90||95||71||16|
*Pet budget was determined by considering vet care costs, minimum pet-care provider rate per visit, and dog insurance premiums.
**Pet health and wellness was determined by considering veterinarians per capita, pet caretakers per capita, animal trainers per capita, pet businesses per capita, dog-friendly restaurants per capita, share of pet-friendly hotels, dog-friendly shops per capita, pet meetup groups per capita, doggie daycare and boarding establishments per capita, pet-friendliness of rental markets, average home square footage, share of single-family detached homes, share of homes with one or fewer occupants per room, animal shelters per capita, and strength of animal protection laws.
***Outdoor pet-friendliness was determined by considering weather, dog parks per capita, parkland as a share of the city area, walk score, dog-friendly trails per capita, and dog shows per capita.
New York Pet-Friendliness Statistics
Here are some other notable statistics you might like to know regarding cities in New York.
- Based on 100 of the largest U.S. cities, New York, NY is:
- tied (with 5 U.S. other cities) for having the highest veterinary-care costs.
- tied (with 4 U.S. other cities) for having the highest dog insurance premiums.
- 98th for having the fewest pet businesses per capita.
- tied (with 4 other U.S. cities) for having the most dog parks per capita.
New York is the 12th most dog-friendly state to live in, with 50% of its residents being pet owners. The state also ranks high for the number of pets with Twitter accounts (307).
Below is a real-life pet insurance claim from a Healthy Paws customer in New York.
- Location: Brooklyn, NY
- Condition: Diabetic ketoacidosis and a 3-day hospital stay
- Total Vet Cost: $4,500
- Reimbursement: $3,950
- Amount Customer Paid: $550
Your pet’s health can change in a flash. One minute, she’s running off the back deck, and the next, she’s not putting any weight on her leg. Pet insurance is there for you when an emergency strikes and helps you focus on treatment for your dog instead of the total cost of the vet bill. Learn more about why pet insurance is worth it.Tagged With: Pet Insurance By State, Reviewed By Insurance Agent