Best Pet Insurance In New York: Companies Reviewed in NYC, Buffalo, Rochester And More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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Dog on street in New York City (Caption: Best Pet Insurance In New York)

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
Best For Young Pets Best No-Cap Payouts Best
Company pets best pet insurance logo 250 png healthy paws pet insurance logo 250 png embrace pet insurance logo 250 png figo pet insurance logo 250 png lemonade pet insurance logo 250 png
Average Policy Price Variable Variable Variable Higher Lower Average
Policy Coverage Extensive Extensive Limited Extensive Extensive Limited
Customer Service & Reputation Good Good Excellent, Stable Excellent, Stable Excellent, Stable Uncertain, New
Average Claim Processing 7-14 Days 5-6 Days 2 Days 5 Days 3 Days 2 Days
Vet Direct Pay Option      
Plan Customization Options Many Many Restricted Many Many Many
  Get A Quote Get A Quote Get A Quote Get A Quote Get A Quote Get A Quote
  Read Review 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.

  1. Labrador Retriever
  2. German Shepherd
  3. Golden Retriever

New York City

These are the most popular dog breeds in New York City.

  1. Cockapoo
  2. Havanese
  3. French Bulldog
  4. Cavalier King Charles Spaniel
  5. American Pit Bull Terrier

How Much Does Pet Insurance Cost In New York?

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. is $53.34 ($32.25 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.

Which Cities In New York Are Pet-Friendly?

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 CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***
New York City90957116

*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).

Pet Insurance Claim: Cost & Reimbursement From New York Customer

Black Lab smiling

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

Should I Get Pet Insurance?

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.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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