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Best Pet Insurance In New York (NY) 2024

Insurance Writer
Lead Editor, Insurance

Reviewed

Updated: Jan 3, 2024, 7:34am

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

New Yorkers love their pets, and keeping them safe and healthy is important. Whether you live in the Big Apple or upstate, your pet could develop kennel cough from boarding, overheating on a 90-degree day or come down with something else that requires a visit to the vet. These incidents are traumatic for a pet, and often costly as well.

The most serious visits to the vet can cost $5,000 or more, depending on the situation. Finding the best pet insurance in New York is a way to soften the blow of large, unexpected vet bills.

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Best Pet Insurance in New York

  • Embrace – Best For Superior Benefits
  • ManyPets – Best Cost For Unlimited Annual Coverage
  • Paw Protect – Best For Paying Covered Vet Bills Instantly
  • Pets Best – Great For Choices Of Deductible
  • Lemonade – Best Price For Kittens And Puppies
  • Figo – Great For Short Waiting Period For Accident Coverage

BEST FOR SUPERIOR BENEFITS

Embrace

Embrace
5.0
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500

Embrace
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Via PetInsurer.com's Secure Website

Unlimited

70%, 80%, 90%

$100, $250, $500

Editor's Take

Embrace’s plan earned the highest score for coverage benefits among the pet insurance plans we analyzed. Its broad variety of options for annual maximum, deductible and reimbursement percentage can help New York pet owners stay within a budget.

Pros & Cons
  • Waiting period of only 2 days for accident coverage.
  • Covers the veterinarian office visit fee for illness and accidents.
  • Optional wellness plan available.
  • Has a 24/7 pet telehealth line.
  • Superb range of options for annual coverage, deductibles and reimbursement.
  • Comes with a “diminishing deductible” that reduces the deductible by $50 for every year you don’t have a claim paid.
  • For coverage of orthopedic conditions, there is a waiting period of 6 months.

BEST COST FOR UNLIMITED ANNUAL COVERAGE

ManyPets

ManyPets
5.0
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

Unlimited

Reimbursement choices

70% or 80% in most states

Deductible choices

$500

ManyPets
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Via PetInsurer.com's Secure Website

Unlimited

70% or 80% in most states

$500

Editor's Take

ManyPets has competitive New York pet insurance rates for unlimited coverage and offers unique and valuable coverage features.

Pros & Cons
  • Covers vet exam fees for accident and illness visits.
  • ManyPets offers an unusual value proposition for new customers: The 15-day waiting periods for illness or accidents are reduced to only 24 hours if you’re switching from another pet insurer.
  • Currently available in 44 states and Washington, D.C.
  • No 24/7 pet telehealth line.
  • Does not cover pet behavioral therapy, unlike many other New York pet insurance plans.

BEST FOR PAYING COVERED VET BILLS INSTANTLY

Paw Protect

Paw Protect
5.0
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

Unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500

Paw Protect
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Via PetInsurer.com's Secure Website

Unlimited

70%, 80%, 90%

$100, $250, $500

Editor's Take

Paw Protect’s pet insurance plan has the same features and rates as Embrace’s plan. But Paw Protect also provides policyholders with a $5,000 line of credit to cover veterinarian bills with no fees, interest charges or credit checks. You can use this line of credit to pay a vet bill rather than paying the full vet bill upfront and then waiting for reimbursement for your pet insurance claim.

Pros & Cons
  • A $5,000 line of credit is issued to each customer to pay bills from a vet office or emergency pet clinic. You submit a pet insurance claim as usual and use the claim payment to pay back the line of credit. You’ll still be responsible for paying back your deductible and copay if you used the line of credit. If you’re unable to pay back the deductible and copay immediately, you can do so interest free over a period of 12 months.
  • Same plan and pricing as Embrace’s 5-star plan.
  • Covers the veterinarian office visit fee for illness and accidents.
  • Has a “diminishing deductible” feature that reduces your deductible by $50 for every year you don’t make a claim.
  • Short 2-day waiting period for accident coverage.
  • An optional wellness plan can be added.
  • 24/7 pet telehealth line included.
  • Lacks a range of options for annual maximum and deductibles.
  • There’s a 6-month waiting period for coverage of orthopedic conditions, but it can be waived if your pet has an orthopedic exam after you purchase the plan.

GREAT FOR CHOICES OF DEDUCTIBLE

Pets Best

Pets Best
4.5
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$5,000 or unlimited

Reimbursement choices

70%, 80%, 90%

Deductible choices

$50, $100, $200, $250, $500, $1,000

Pets Best
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Via PetInsurer.com's Secure Website

$5,000 or unlimited

70%, 80%, 90%

$50, $100, $200, $250, $500, $1,000

Editor's Take

Pets Best combines terrific coverage with affordable prices for New York pet insurance. Its broad range of deductible choices can help you budget for potential claims.

Pros & Cons
  • Waiting period of only 3 days for accident coverage.
  • Routine wellness plans available.
  • Has a 24/7 pet telehealth line.
  • Wide range of deductible choices.
  • Multi-pet discount of 5% per pet.
  • Pets Best can pay your vet directly if the vet agrees, so you don’t have to first pay the vet and wait for reimbursement.
  • For coverage of cruciate ligament issues, there is a 6-month waiting period.

BEST PRICE FOR KITTENS AND PUPPIES

Lemonade

Lemonade
4.5
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$5,000, $10,000, $20,000, $50,000 or $100,000

Reimbursement choices

70%, 80%, 90%

Deductible choices

$100, $250, $500

Lemonade
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Via PetInsurer.com's Secure Website

$5,000, $10,000, $20,000, $50,000 or $100,000

70%, 80%, 90%

$100, $250, $500

Editor's Take

Lemonade is worth considering if you want pet insurance at a low monthly cost, but you’ll give up some perks like a 24/7 vet helpline.

Pros & Cons
  • Waiting period of only 2 days for accident coverage.
  • Optional wellness plan available.
  • Lowest prices for young pets among the New York pet insurance plans we evaluated.
  • No 24/7 pet telehealth line.
  • For coverage of cruciate ligaments, there is a 6-month waiting period.
  • Coverage for vet exam fees has to be added for an extra cost, while other top companies include exam fees in their base plans.
  • No coverage for behavioral or alternative therapy.
  • No coverage for stem cell treatment, prescription food or microchipping.

Figo

Figo
4.0
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Maximum annual coverage

$5,000, $10,000, Unlimited

Reimbursement choices

70%, 80%, 90%, 100%

Deductible choices

$100, $250, $500, $750

Figo
Compare Plans Arrow

Via PetInsurer.com's Secure Website

$5,000, $10,000, Unlimited

70%, 80%, 90%, 100%

$100, $250, $500, $750

Editor's Take

New Yorkers will find that Figo has competitive rates and helps customers form social groups with other doggy-minded individuals.

Pros & Cons
  • Short 1-day waiting period for accident coverage.
  • Provides a 100% reimbursement option.
  • Routine wellness plans available.
  • Has a 24/7 pet telehealth line.
  • Offers an interesting upgrade that covers special circumstances, such as advertising and rewards for lost pets, vacation cancellation due to a pet emergency and loss of a pet due to theft or straying.
  • The Figo Pet Cloud helps you find pet-friendly places and connect with other pet owners for activities such as doggy play dates.
  • Does not cover dental illnesses.
  • There is a 6-month waiting period for knee injury coverage.
  • Coverage for vet exam fees has to be added on for an extra cost.
  • Only covers prescription food if it’s needed to treat bladder stones or crystals.
  • Deductible choices vary depending on pet age and lower deductibles are not available at higher ages.

Summary of Best Pet Insurance in New York

Company Forbes Advisor Rating Maximum annual coverage Reimbursement choices Deductible choices Learn More
Embrace 5.0 5-removebg-preview Unlimited 70%, 80%, 90% $100, $250, $500 Compare Plans Via PetInsurer.com's Secure Website
ManyPets 5.0 5-removebg-preview Unlimited 70 or 80% in most states $500 Compare Plans Via PetInsurer.com's Secure Website
Paw Protect 5.0 5-removebg-preview Unlimited 70%, 80%, 90% $100, $250, $500 Compare Plans Via PetInsurer.com's Secure Website
Pets Best 4.5 4.5-removebg-preview $5,000 or unlimited 70%, 80%, 90% $50, $100, $200, $250, $500, $1,000 Compare Plans Via PetInsurer.com's Secure Website
Lemonade 4.5 4.5-removebg-preview-1 $5,000, $10,000, $20,000, $50,000 or $100,000 70%, 80%, 90% $100, $250, $500 Compare Plans Via PetInsurer.com's Secure Website
Figo 4.0 4-removebg-preview $5,000, $10,000, Unlimited 70%, 80%, 90%, 100% $100, $250, $500, $750 Compare Plans Via PetInsurer.com's Secure Website

Reimbursement and deductible choices may vary by state.


Comparison of New York Pet Insurance Costs

The average cost of pet insurance in New York is $28 per month, according to Forbes Advisor’s analysis. That’s for a policy with $5,000 of annual coverage, a $250 deductible and a 90% reimbursement level. The average cost for a New York pet insurance policy with unlimited annual coverage, a $250 deductible and a 90% reimbursement level is $43 per month.

The key to getting the best pet insurance is to find a policy that has coverage benefits that meet your needs at a reasonable cost. We found that Lemonade has the cheapest average New York pet insurance rates for both $5,000 and unlimited annual coverage.

Costs for New York Pet Insurance With $5,000 Annual Maximum Coverage

Company Monthly cost for New York pet insurance
$10
$25
$27
$29
$32
$43

Costs are for a plan with a $5,000 annual coverage maximum, a $250 deductible and 90% reimbursement level. Source: PetInsurer.com.

Costs for New York Pet Insurance With Unlimited Annual Maximum Coverage

Company Monthly cost for New York pet insurance
$20
$22
$27
$33
$37
$45
$58
$62
$81

Costs are for a plan with unlimited annual coverage, a $250 deductible and 90% reimbursement level. Source: PetInsurer.com.


Types of Pet Insurance Plans

Pet insurance in New York can be broken down into these main buckets.

Accident and illness plans. This type of plan offers coverage for expenses related to accidents and illnesses, such as coverage for:

  • Emergencies like broken bones or toxic ingestion
  • Dental illnesses like gingivitis
  • Chronic conditions like diabetes
  • Cancer
  • Orthopedic conditions like cruciate ligaments issues
  • Hospitalizations
  • Surgeries
  • Diagnostics tests like MRIs and blood tests

You’re covered whether your pet comes down with an ear infection or sprains its leg while running.

Accident-only plans: This type of plan covers only accident-related vet costs, such as broken bones or skin lacerations. For example, if you’re out walking your English Bulldog and he accidentally picks up a piece of plastic from the street, which gets stuck in his throat, you could make a claim.

An accident-only plan costs less than an accident and illness plan since it doesn’t cover sickness.

Wellness coverage. To keep your pet healthy, you want to visit the vet for routine check-ups, flea and tick prevention and vaccinations. However, preventive care costs can add up. Some pet insurance companies offer wellness and routine care coverage to help pay for some of these expenses. Generally pet insurers let you add a pet wellness plan to an accident and illness plan for an extra cost.


How Pet Insurance Works

The price you pay for New York pet insurance is typically based on several factors that break down into two categories: the characteristics of your pet and the terms of the policy you select.

Pet Characteristics

Pet insurance companies consider the details of the pet when calculating how much New York pet insurance will cost, such as:

  • Age. Since older pets are more likely to get sick or injured as they age, the cost of their pet insurance generally mirrors this risk. Expect pet insurance costs to increase as your pet gets older.
  • Breed and species. Some breeds are more prone to illness and genetic conditions than others. If your pet breed is at high risk of a particular illness or condition like hip dysplasia, you will likely pay more for pet insurance than another breed that is less at risk. Also, it usually costs less to insure cats than it does dogs.
  • Location. Your location also plays a part in New York pet insurance costs because veterinary costs vary.
  • Gender. There are usually more claims for male pets and therefore higher insurance rates.

Reimbursement Selections

If you’re buying New York pet insurance you’ll typically have a few areas where you’ll pick reimbursement levels.

  • Deductible amount. Before a pet insurance company reimburses you for any vet-related expenses, you must pay your deductible amount toward vet bills. Selecting a higher deductible will lower your New York pet insurance cost.
  • Reimbursement percentage. After you pay your deductible, pet insurance companies will reimburse you for a percentage of vet expenses, which is the reimbursement level. Choosing a lower reimbursement level lowers your cost of coverage. For example, selecting 50% reimbursement versus 90% reimbursement can reduce your monthly pet insurance bill. Some pet insurers offer 100% reimbursement levels.
  • Annual coverage caps. Each pet insurance plan states the total amount it will pay out in one year. Selecting a higher maximum payout will increase your cost. Some pet insurers offer unlimited payouts.

How to Find the Best Pet Insurance in New York

When comparing New York pet insurance plans, take a close look at the benefits and restrictions.

Vet Exam Fees

Every time you visit the vet, you pay an exam fee. Not all pet insurance companies cover this cost. Look for a New York pet insurance plan that covers vet exam fees for visits for accidents and illness.

Coverage Waiting Periods

After you buy a pet insurance plan, you must wait a specific period of time before coverage begins. This is the waiting period, which all pet insurance companies apply. While one insurance company may offer a one-day waiting period for accident claims, another may have a 15-day waiting period for accidents.

Since you never know when something will happen to your pet, selecting a plan with a shorter waiting period is advantageous.

Additionally, watch out for extended waiting periods for particular issues like hip dysplasia.

24/7 Vet Helplines

Sometimes you’re not sure whether or not your pet needs to see the vet. Or your pet may experience a late-night illness. Fortunately, many pet insurance companies offer 24/7 vet helplines so you can determine the best course of action.

Pet Insurance Plans That Will Pay the Vet Directly

Typically, you must pay for all of your vet expenses upfront. Then you submit a claim and the pet insurance company will reimburse you accordingly. If the initial out-of-pocket costs give you anxiety, consider a New York pet insurance plan that can pay the vet directly, like Trupanion or Pets Best. You’ll need to ensure your vet accepts direct payments or has the appropriate processing software if you want to use this perk.

Pet Insurance Discounts

Pet insurance companies often offer military discounts and multi-pet discounts for buying coverage for multiple pets.

Routine Care Coverage

Not all New York pet insurance companies offer a wellness and routine care coverage add-on. If this type of insurance is essential to you, look for a plan where you can add routine wellness coverage. Nationwide pet insurance has a plan that includes wellness.

Compare Pet Insurance Quotes

Compare 10+ Leading Pet Insurers In Minutes


New York Pet Laws

New York requires dog owners to license pets that are age four months or older. The dogs must be vaccinated for rabies. Localities also have their own pet-related laws.

New York City Pet Laws

You must leash your dog in public places in New York City or in open and unfenced areas abutting public places. The leash or chain can not be more than six feet. Violators may be fined between $200 and $400.

If a pet becomes a nuisance on any public or private premises that are used in common by the public or an area that abuts a public place, you could face a fine between $200 and $400.

You must pick up after your dog in public places. That includes sidewalks, gutters and streets. Violators face a $250 fine.

Dog owners can bring their four-legged friends onto the subway, but they must be in a crate or container, unless they are a service dog.

Buffalo Pet Laws

If you live in a single- or double-family home in Buffalo, you can have up to three dogs age four months and older. If you live in a home with three or more units, you can have one dog per household. Having more dogs would be classified as a kennel.

You have 30 days to get a dog license for any dog that is age four months or older. Buffalo dog license fees aren’t charged for guide, hearing, service, war, working search, detection, police or therapy dogs.

Dogs must be restrained by a leash when off your property. You must keep your pets in a clean and sanitary environment, provide adequate food, water and space, and remove any feces left by your dog when out in public.

You must prevent your dog from frequent or long-continued barking, howling or other noise. Failure to do so could result in a fine of $15 for a first violation, $25 for a second violation and $50 for a third or subsequent violation.

Any dog age four months and older that is impounded or seized may be subject to mandatory spaying or neutering before being returned to you or adopted to another person.

Rochester Pet Laws

You can own up to four dogs age four months or older in Rochester if you live in a building with three or fewer dwelling units. You can have only one dog if you live in a building with four or more dwelling units.

When you are off your property, your dog must be under your control and on a leash or in a fenced in area so your dog cannot leave the premises.

You should not allow your dog to howl or bark continuously in Rochester, so that it’s heard beyond your property line:

  • For more than five minutes between 10 p.m. and 8 a.m.
  • For more than 15 minutes between 8 a.m. and 10 p.m.
  • For a shorter duration than the above timeframes, but on more than five occasions within a 10-day period.

You must restrict your dog from damaging other properties or entering public buildings, restaurants, stores and cemeteries unless they’re a guide, hearing, service or police work dog. You are required to remove any feces left by your dog in public.

You cannot take your dog to fireworks displays, Charlotte Pier or cemeteries in Rochester.

Yonkers Pet Laws

You must keep your dog on a leash when in public in Yonkers. That leash or chain should not exceed 6 feet.

A dog may be deemed a nuisance if it injures someone, damages property, knocks over garbage, chases people or vehicles, or habitually barks or howls.

You are required to remove any feces left by your dog in public. Female dogs in heat are not allowed in any unfenced areas or a lot abutting any street, park or public space.

If your dog is deemed dangerous, you must get a dangerous animal license from Rochester. That includes a $50 application fee on top of the required license fee. You will be required to have proof of liability insurance of at least $100,000.

Dangerous dogs should be kept on a leash no more than four feet when in public. You must post a clearly visible sign on your property warning any person who enters your property that a vicious animal is present. You cannot own two or more dangerous dogs for breeding or any other purposes.


Methodology

We used data provided by PetInsurer.com to score New York pet insurance companies based on the following.

Average New York pet insurance costs: Up to 40 points. We averaged pet insurance quotes for each insurer for a mixed-breed dog at two ages in New York.

Plan benefits: Up to 60 points. We scored plans based on the following important features: Annual coverage choices, whether the plan can pay a veterinarian directly, access to a 24/7 vet line, availability of routine wellness coverage, whether the plan pays the vet exam fee, pet dental illness coverage, end of life coverage and multipet discount.


Pet Insurance in New York FAQ

Is pet insurance in New York worth it?

To determine if pet insurance is worth it in New York, consider a plan’s premiums and how a major vet bill could impact your finances. The average cost of pet insurance in New York for $5,000 of annual coverage is $336 per year. If you’ve been paying for pet insurance for three years, you would have paid $1,008 so far.

 

Let’s say your dog swallows a toy. The average cost to treat an ingested foreign object for a dog is $3,500, according to a Forbes Advisor analysis of vet visit costs. If you have a $250 deductible and 90% reimbursement level, your out of pocket cost for treatment would be $575 ($250 deductible + 10% of $3,250 = $575).

 

Adding up premiums for three years and what you pay towards treatment, you’ve paid $1,583. Without pet insurance, you would pay $3,500 for the treatment. You’ve avoided paying $1,917 by having pet insurance.

Do all vets in NYC accept pet insurance?

If you have pet insurance you do not need a veterinarian to generally “accept” it. That’s because pet insurance is not like health insurance, which has provider networks. Pet insurance is reimbursement based: You’ll pay up front for your vet bills and submit a claim to your pet insurance company.

 

Trupanion can pay your vet directly (if they have Trupanion’s software).

Which company has the cheapest pet insurance in New York?

Lemonade has the cheapest pet insurance in New York, with an average of $10 per month for $5,000 of annual coverage and $20 per month for $100,000 of annual coverage.

 

Pets Best also has competitive New York pet insurance rates at $25 per month for $5,000 of annual coverage and $27 per month for unlimited annual coverage. You’ll also find a good price for unlimited annual coverage with ManyPets, at $22 per month in New York.

 

Your pet insurance quotes will vary depending on the type of pet, breed and where you live in New York.


Next Up in Pet Insurance


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