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

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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.

Article Overview

Most Popular Breeds In New York

One of the biggest factors influencing the cost of a pet insurance policy is your dog’s breed. New York state’s favorite dog breed is the Labrador Retriever. Below is a list of the most popular dog breeds in New York City.1

New York City

  1. French Bulldog
  2. Labrador Retriever
  3. Bulldog
  4. German Shepherd
  5. Golden Retriever

How Much Does Pet Insurance Cost In New York?

Dog on street in New York City (caption: Best Pet Insurance In New York)We ran quotes for plans in New York with our best-rated pet insurance providers (see below). We chose breeds based on the list of popular dog breeds above. None of the quotes we ran were for pets with microchips or pre-existing conditions.

Please know that you should expect small annual increases for any pet insurance provider based on vet cost increases or more claim submissions in the location where you reside. So if your quote is $30 per month today, that doesn’t mean it will stay that price for the life of your pet.

All quotes are from December 2020.

CompanyBreedGenderAgeZip CodeDeductibleReimbursementPayout OptionMonthly Price
FIGO logoLabrador RetrieverMale1 Year Old10023 (New York City)$25080%Unlimited$78.05
Healthy Paws logoLabrador RetrieverMale1 Year Old10023 (New York City)$25080%Unlimited$95.91
Pets Best logoLabrador RetrieverMale1 Year Old10023 (New York City)$25080%Unlimited$71.64
FIGO logoFrench BulldogFemale4 Years Old14606 (Rochester)$50070%Unlimited$54.35
Healthy Paws logoFrench BulldogFemale4 Years Old14606 (Rochester)$50070%Unlimited$53.47
Pets Best logoFrench BulldogFemale4 Years Old14606 (Rochester)$50070%Unlimited$54.29
FIGO logoGolden RetrieverFemale3 Months Old14263 (Buffalo)$25080%Unlimited$70.75
Healthy Paws logoGolden RetrieverFemale3 Months Old14263 (Buffalo)$25080%Unlimited$47.71
Pets Best logoGolden RetrieverFemale3 Months Old14263 (Buffalo)$25080%Unlimited$43.78

We suggest you read our best pet insurance comparison to find out why we awarded these three companies top marks. Keep in mind that coverage details and customer service are important factors, too, not cost alone.

We recommend obtaining quotes from at least three different companies to see what price range you are looking at. You can obtain free quotes from multiple insurance companies here.

Which Cities In New York Are Pet-Friendly?

Below are the most pet-friendly cities in New York when ranked against 100 of the largest U.S. cities.2 Note: We excluded cities that fall outside of New York from this table.

 Most Pet-Friendly CitiesPet Budget*Pet Health & Wellness**Outdoor Pet-Friendliness***
New York City61981811

*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.2

  • Based on 100 of the largest U.S. cities:
    • New York, NY is tied for having the:
      • highest veterinary-care costs
      • highest dog insurance premiums
      • most pet businesses per capita
      • most dog parks per capita

Pet Insurance Story In New York

Below is a real-life pet insurance story from a customer in the New York City metro area.

Sierra’s Diabetes Diagnosis

  • Black Lab smilingDog Name: Sierra
  • Breed: Labrador Retriever
  • Pet Parent: Lisa
  • Location: Brooklyn, NY
  • Illness: Diabetic Ketoacidosis and 3-day hospital stay
  • Total Vet Cost: $4,500
  • Healthy Paws Reimbursement: $3,950
  • Amount Lisa Paid: $550

Sierra became extremely ill suddenly, so Lisa rushed her to the vet hospital, where she was diagnosed with diabetes and required emergency treatment. Lisa was able to focus on Sierra’s health instead of the vet bill. You can read more about Sierra’s story here.

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.

Do you need help choosing your dog’s pet insurance policy in New York?

Sources: [1] AKC, [2] WalletHub