Pet Insurance in New York

Choosing the right pet insurance company for you and your dog or other pets in New York can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in New York and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Pet & Dog Insurance in New York

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in New York and across the USA. Simply scroll to the right to view all the brands:

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

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

New York Pet Insurance FAQs

How To Find The Best Pet Insurance In New York?

Since pricing can vary widely depending on your pet’s details and location, it’s important to get a few quotes from various providers to see which offers the best deals and coverage for your specific animal. You must first evaluate your budget before settling on a pet insurance policy and determine what level of coverage you need. 

The next step is to read the fine print and determine what each policy does not cover. Exclusions vary for each company, so knowing what treatments and procedures your pet will be eligible for before enrolling is critical. Finally, do not forget to ask friends, family members, and coworkers for recommendations.

What Are New York’s Pet Laws?

Dog owners in New York must license their pets if they are four months or older. In addition, the dogs must be rabies-vaccinated. Local governments also have their own pet-related legislation. Additionally, major locations have their own laws citizens must follow. However, the most common laws for all major areas include:

  • Dogs must be leashed in unfenced public areas.
  • Clean up dog waste in public areas.
  • Dogs can use the metro system only if crated or contained (unless they are service dogs).
  • Limits to the number of dogs in multi-family buildings.
  • Regular or long-term barking, wailing, or other disturbances must stop.
  • Any dog four months or older detained or seized must be spayed or neutered before being returned or adopted.
  • Unless your dog is a guide, hearing, service, or police dog, you must keep it out of public buildings, restaurants, businesses, and cemeteries.
  • Rochester requires a dangerous dog license.
  • When in public, dangerous dogs should be restrained on a leash no longer than four feet. 
  • A clearly visible sign must be placed on your property to notify everyone who enters that a vicious animal is present.
  • You are not permitted to own two or more dangerous dogs for the purpose of breeding or any other reason.

What Is Routine Pet Care Coverage?

Routine coverage is also known as preventative coverage or wellness care. It can cover the cost of vaccines, flea, tick, heartworm, and dental cleanings to keep your pet healthy. Wellness checks and screenings allow your doctor to spot health issues early, improving your pet’s outcome. Wellness exams help your vet monitor your pet’s weight as pets are at risk for joint pain and kidney disorders. 

Are There Pet Insurance Discounts?

Many insurance companies offer discounts, including options for healthy pets who have not used their policies. Oftentimes insurance companies will offer discounts for multiple pets or even for military members and veterans. Check with your other insurances as well, as you may get discounts as an AARP member or if you adopted from a shelter. 

Other options for discounts include employer-based discounts, wholesale clubs, senior citizens, unions, clubs, and banks. Check the fine print for more options, not just for the insurance company but for other memberships. Of course, you can always ask an agent what discounts they honor when in doubt. 

What New York Pet Insurance Plans That Will Pay The Vet Directly?

A few pet insurance companies will pay the vet directly, starting with Healthy Paws, Trupanion, Pet’s Best, and Pet Plan. However, keep in mind these companies may not cover the bill up front in all circumstances, so make sure you know the rules before you need to use the policy. 

What Are New York’s Pet Insurance Coverage Waiting Periods?

Regardless of location, all insurance companies have a waiting period. All pet insurance companies demand a waiting period before covering a pet’s health issues to prevent covering pre-existing conditions. It takes 14 to 30 days on average to recover from an illness. The average time spent healing after an injury is two to fifteen days. Some companies may require lengthy waiting periods for specific concerns or breeds.

How Much Is Pet Insurance In NY?

Pet insurance premiums in New York City are higher than in other cities and states. As veterinarian costs are on aver 44 percent higher, you can expect insurance rates to follow suit. Standard accident and illness coverage for dogs in NYC costs $30–$65 per month. The state’s prices range from $19 to $135 monthly. Keep in mind many factors can affect the rate for your dog.

What Is The Best Pet Insurance In New York?

While many pet insurance companies offer fantastic options to New York residents, Lemonade ranks among the highest for its overall coverage options and affordability. However, depending on your situation, another top provider might make the most sense. Healthy Paws or Trupanion may be a better option for you and your pet if you are looking for a comprehensive unlimited coverage plan.

Is It Worth Getting Pet Insurance For Dog In NY?

Yes, paying monthly premiums for pet insurance can save you money on unexpected vet expenditures. In addition, it can be beneficial for New York residents who do not want their expensive vet bills to influence their credit card bills or savings accounts and who want peace of mind that they will be able to pay for their pet’s necessary treatments in the event of an emergency.

Some aspects should be considered while buying pet insurance. City living is hectic, there is traffic, and accidents happen, which can lead to dog mishaps. Pet insurance can help with unexpected vet expenses. In cities, dogs have fewer places to exercise, which increases their medical needs. 

Next, New York City is the most costly city in the U.S., making insurance essential. No one wants to make pet-care decisions based on finances. Pet insurance lets you care for your pet without worrying about costs. Some New York canine concerns are kennel cough, stomach difficulties, and harsh weather.

How Much Does Dog Insurance In NY Usually Cost?

While the numbers change depending on many factors, you can expect to pay a minimum of at least $30 to $40 per month for your policy. The prices may go significantly higher if you have an older or purebred dog. On the other hand, your rates can lower if you only maintain accident insurance. Annually the cost of pet insurance for a dog in New York averages $444. 

What Pet Insurance Is Most Widely Accepted In New York?

Because pet insurance companies do not have specific networks of veterinarians, you may usually file a claim for vet expenditures from any licensed veterinarian in the United States. While it can be frustrating to cover the costs upfront, this does mean you can pick your own veterinarian without approval. Also, if you and your pet are out of state, you can still get care in case of illness or emergencies. Keep in mind some companies do not cover pets in New York; always check before deciding. 

What Is A Normal Annual Deductible On Pet Insurance?

Most plans include a deductible, the amount you must pay out of pocket before the insurance starts the reimbursement process. You usually have a choice of deductibles to select from, such as $100, $250, or more. Some insurance plans charge deductibles for each injury or disease treated. Others require you to pay a deductible each year.

How Does Pet Insurance Know About Pre-Existing Conditions?

Pet insurance does not cover pre-existing conditions that develop before the end of the accident or sickness waiting period. In other words, if your policy’s coverage begins after the incident, you will not be able to file a claim for your pet’s recent fractured bone. 

How does the insurance company get this information about your pet? They usually require a veterinarian exam and report before they will cover a patient. Additionally, they use waiting periods so customers cannot try to use a new policy to cover an animal that is already sick.

Is Spaying Covered By Pet Insurance In NY?

Normally pet insurance policies do not cover the costs of neutering and spaying pets. On the other hand, coverage providers typically offer this service as an add-on to their total product and service package. As a result, you should anticipate paying a higher premium for this coverage.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member ❤️ - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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