Best Pet Insurance in New York City (2022 Reviews)

New York City Pet Insurance

Shopping for pet health insurance for your pet in New York City can be confusing. How much will it cost? What is and isn’t covered? Is pet insurance required in New York City?

In this review, we’ll cover the best rated pet insurance providers that offer coverage in New York City, NY. We’ll also address many of the questions Miami residents may have when first considering pet insurance for their dog or cat.

New York City Pet Insurance Reviews (Updated 2022)

The following pet insurance carriers offer coverage in New York City, NY:

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000

How Much Does Pet Insurance Cost in New York City, NY?

The cost of New York City pet insurance for a 3 year old mixed breed dog based in Miami zip code 10001 ranges from $$25.00 to $122.24, depending on which New York City pet insurance carrier you choose.

The cost of pet insurance does vary by city and state. In addition your dog’s age and breed also significantly affect the price. To receive the most accurate information for your dog based on your New York City zip code, enter your information to receive a quote in seconds below.

Is Pet Insurance Required by Law in New York City, New York?

Pet health insurance is not required by law, however experts recommend that if you do not have a substantial pet emergency savings account (in the $5,000-10,000 range), you probably need to invest is pet insurance protection. In recent years, the costs of veterinary care (especially emergency vets) has skyrocketed. A single pet health emergency can send you into debt, or force you into a terrible situation in which you may be unable to pay for your dog’s emergency care.

Which Pet Insurance Company is Best for New York City Residents?

Pet insurance pricing changes frequently based on your dog’s location, breed, and age. There is no single “best” company as there are many options to consider, including deductibles, copays, waiting periods, and annual coverage amounts. The best way to find which New York City pet insurance option is best for you is to use a pet insurance comparison engines such as this.

Dog Ownership in New York City – Does Pet Insurance Make Sense?

Currently, New York City has a fast growing population of 8,804,190, many of which are passionate dog parents. The top dog breeds in New York City are currently reported as:

#1. Mutt (mixed breeds)

#2. French Bulldog.

#3. Cockapoo

#4. American Pit Bull Terrier

#5. Havanese

Many of these dog breeds suffer from hereditary conditions, including joint problems, eye problems, and canine allergies. For this reason, pet insurance may be a good investment if you live in New York City.

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