The Best Pet Insurance in New York for 2024

The Best Pet Insurance in New York for 2024


What’s the Best Pet Insurance in New York?

The Best Pet Insurance in New York in Detail

After reviewing many factors, including customer service, available coverage, plan types and customization options, we selected Lemonade as the best pet insurance in New York.

Compare the Top Pet Insurance Providers in New York

Every pet insurance plan and provider is unique. Researching your options and comparing providers can help you understand a plan’s benefits and make the best choice for your pet. You can use the table below to compare each insurance provider on our list based on key factors.

How We Ranked the Best Pet Insurance Providers in New York

We at the MarketWatch Guides team ranked pet insurance providers in New York based on coverage availability and factors most important to policyholders in the state. To inform our review, we analyzed the average age of pets in New York, state veterinary costs, average monthly premium prices for cats and dogs, and the most reported accidents for pets in New York.

We ranked each company based on cost, plan options, available discounts and more. We also considered responses to our survey of 1,000 pet owners with pet insurance nationwide, filtered by New York residents.

Dog cost data was determined by averaging quotes from providers for a 3-month-old mixed-breed puppy, a 1-year-old medium mixed-breed dog, a 2-year-old golden retriever, a 5-year-old medium mixed-breed dog and an 8-year-old small-mixed-breed dog.

We determined cost data for cats by averaging sample quotes for a 3-month-old kitten, a 1-year-old shorthair cat, a 2-year-old Siamese cat, a 5-year-old mixed-breed cat, and an 8-year-old domestic shorthair cat.

We use an in-depth rating system to compare each company we review and determine the best pet insurance companies in the industry. To learn more, read our full pet insurance methodology for reviewing and scoring providers.

How Much Does Pet Insurance Cost in New York?

The average cost of an accident and illness pet insurance plan in New York is $71 per month for dogs and $37 per month for cats. Overall, it costs an average of $71 per month to insure a dog in the Empire State and $37 to insure a cat. We calculated this average by gathering quotes from 22 pet insurance providers using ten different sample pet profiles. Sample pet profiles include medium-mixed breed and purebred dogs and cats ranging from 3 months old to 8 years old.

The cost of your pet’s plan may vary.

Cost of Dog Insurance

The table below shows the average cost for the best dog insurance providers in N.Y. Dog Insurance plans are typically more expensive than cat insurance.

Provider Average Dog Insurance Cost
Lemonade $60
Spot $101
Embrace $66
Healthy Paws $32
Fetch $51
Figo $37
Pets Best $39
ASPCA Pet Health Insurance $83
Trupanion $147

Averages found using 10 pet types, which are outlined in our methodology

Cost of Cat Insurance

The table below shows the average cost to insure a cat from the top pet insurance companies in N.Y.

Provider Average Cat Insurance Cost
Lemonade $33
ASPCA Pet Health Insurance $41
Spot $50
Embrace $37
Fetch $30
Figo $22
Healthy Paws $13
Pets Best $23
Trupanion $69

What’s the Cheapest Pet Insurance in New York?

Based on the quotes we gathered, ManyPets has the cheapest pet insurance in New York. Our team collected quotes for 22 pet insurance companies in New York. We ranked New York’s five most affordable companies in the table below. Note that the cheapest providers may not have appeared in our top-ranked options in the state due to a lack of adequate coverage and availability, high deductibles or low annual limits.

The table below outlines the top five most affordable pet insurance companies in N.Y. and their average cost.

Rank Company Average Pet Insurance Cost
#1 ManyPets $19
#2 Healthy Paws $22
#3 Figo $30
#4 Pets Best $31
#5 Fetch $44

Does The Cost of Pet Insurance for Dogs in New York Differ by Breed?

According to our analysis, the most popular dog breed in New York is the French Bulldog, which costs around $75 each month to insure. French Bulldog owners in New York pay around $16 dollars more each month than Labrador Retriever owners and around $38 dollars more each month than Chihuahua owners.

Popularity Dog Breed Monthly Insurance Cost*
1 French Bulldog $75
2 Yorkshire Terrier $40
3 Shih Tzu $40
4 Labrador Retriever $59
5 Chihuahua $37

Source: Pet Insurer and the MarketWatch Guides April 2024 Pet Insurance Cost Analysis
*Rates are for a 2-year-old female dog in Brooklyn (Zip Code: 11201), assuming a $5,000 annual limit and a $500 annual deductible.

How Much Does Pet Insurance Save New York Pet Owners?

By opting for pet insurance, pet owners in New York may avoid paying out-of-pocket for high veterinary bills or routine care services. After comparing the average annual cost of pet ownership and pet insurance in New York, we discovered that policyholders can expect to save an average of $206 to $521 on veterinary expenses.

Based on data collected by our team, some of the most popular dog breeds in the Empire State include French bulldogs, Yorkshire Terriers, and Shih Tzus. To help you imagine the potential savings with a pet insurance policy, we’ve provided examples of treatments for each breed and potential money saved with pet insurance. Note that your savings will likely vary based on your pet’s breed, age, health history and more.

Shelley, the Shih Tzu, needs ACL surgery

Frida, the Frenchie, needs preventative puppy care

Tracy, the Yorkshire Terrier, had a bladder infection

Shelley, the 11-year-old Shih Tzu

Shelley has a cruciate ligament tear and needs surgery to fix it. The tables below show the treatment cost breakdown with and without pet insurance.

A small shih tzu dog stands on a park bench.

Cost Without Pet Insurance

Treatment Cost
ER Exam $150
X-Ray $200
Blood work $140
Cruciate ligament surgery $4,000
Pain medication x6 $360
Physical therapy visits x6 $480
Total $5,330

Source: CareCredit

Cost With Pet Insurance

Pet Insurance Cost
Avg. cost of annual pet insurance $708
$250 deductible $250
20% of $5,330 (co-insurance) $1,066
Total $2,020

Frida, the 8-week-old
French Bulldog

Frida had a brief stomach issue and needs preventative puppy care. The tables below show the treatment cost breakdown with and without pet insurance. Frida’s family has a pet insurance plan with a wellness care add-on.

Black and white French Bulldog puppy smiling at the camera.Black and white French Bulldog puppy smiling at the camera.

Cost Without Pet Insurance

Treatment Cost
Office Visit x3 $225
Vaccines/Shots $225
Neuter package (under 6 months) $440
Stomach bug treatment $385
Total $1,275

Costs collected in New York City
Source: Banfield Pet Hospital

Cost With Pet Insurance

Pet Insurance Cost
Avg. cost of annual pet insurance $708
$250 deductible $250
20% of $1,275 (co-insurance) $225
Total $1,179

Tracy, the 6-year-old Yorkshire Terrier

Tracy had a severe bladder infection and needs medication. The tables below show the treatment cost breakdown with and without pet insurance.

Sleeping puppy, dog and pet in the home, relax on kitchen floor and comfort with mans best friend. Adoption, foster and animal care, tired domestic yorkshire terrier with nap or asleep for wellness.Sleeping puppy, dog and pet in the home, relax on kitchen floor and comfort with mans best friend. Adoption, foster and animal care, tired domestic yorkshire terrier with nap or asleep for wellness.

Cost Without Pet Insurance

Treatment Cost
ER exam $150
Antibiotics $1,053
Pain medication $60
Total $1,263

Source: CareCredit

Cost With Pet Insurance

Pet Insurance Cost
Avg. cost of annual pet insurance $708
$250 deductible $250
20% of $1,263 (co-insurance) $253
Total $1,211

How To Choose the Best Pet Insurance in New York

Before landing on the best pet insurance provider for you and your pet, consider the following factors:

Plan type: If you’re just looking for accident-only coverage, your options will be limited to providers that offer those plans, including ASPCA Pet Health Insurance and Spot. You can purchase from any providers in this review if you need accident and illness coverage.

Coverage limits: Your policy’s annual coverage limit is the total amount your provider agrees to pay for vet bills annually. If you need unlimited coverage, you can narrow your search to providers such as Trupanion.

Wellness coverage: Looking to add coverage for wellness and preventive care can help you narrow down your search since some providers don’t offer that option.

Policy customization: You can customize your policy by choosing lower annual coverage limits, a higher deductible and a lower reimbursement rate — this is the best way to get the cheapest premium. For instance, Embrace quoted us $70.53 per month for a policy with a $30,000 annual limit, a $200 deductible and a 90% reimbursement rate to cover a mixed-breed dog. However, it costs only $18.15 per month when customizing those options to $5,000 of annual coverage, a $1,000 deductible and a 70% reimbursement rate.

Pet Laws in New York

New York pet owners must have their pets licensed and vaccinated for rabies if the animal is at least four months old. Dogs must also be restrained by a leash no more than six feet long in public places. Many New York localities also have specific pet-related laws, such as:

New York City Pet Laws

  • Pet owners must clean up after their dogs on sidewalks, gutters, streets, or other public areas and legally dispose of waste.
  • The city can fine pet owners if their pet is deemed a nuisance on public premises or private property commonly used by the public.
  • Unless a pet is a registered service dog, it must be in a crate or container while riding the subway.

Buffalo Pet Laws

  • A dog license application requires pet and owner information, a copy of a valid rabies certificate, a spay or neuter certificate (if applicable), and a license fee.
  • Pet owners may not bring a dog, either leashed or unleashed, to a special event held on municipal property.
  • Any dog impounded or seized, whether licensed or unlicensed, is subject to mandatory spaying or neutering.

Rochester Pet Laws

  • All dogs older than four months must be licensed to an owner at least 18 years of age.
  • Female dogs in heat must be confined.
  • Pet owners may have up to four dogs older than four months if living in a building with three or fewer dwelling units, and only one dog if living in a building with four or more units.

Yonkers Pet Laws

  • When applying for a dog license, a pet owner whose dog is deemed dangerous must provide proof of liability insurance for $100,000 at the time of submission. “Dangerous” dogs include those with a known propensity to endanger the safety of humans or domestic animals unprovoked.
  • Handlers must restrain a dog by a leash no more than six feet long in any public place.
  • Owners must keep dangerous dogs on a leash no more than four feet long.
  • All dog owners must clean up after their pets in public.

Is Pet Insurance Worth it in New York?

Pet insurance can provide peace of mind for New York pet owners worried about covering expenses if their pet requires emergency medical care. You can also buy a pet policy to help cover more routine care costs, like wellness exams and parasite treatments. In many cases, pet insurance is worth the investment, and owners can tailor coverage to fit any budget.

Did You Know?

According to the Insurance Information Institute, New York is the second state with the most insured pets, behind California, and dogs make up 80% of the pet insurance policies.

Lemonade’s fast service, competitive rates and comprehensive coverage can benefit New York pet owners. However, we always recommend comparing quotes from multiple pet insurance companies to ensure you find the best fit for your pet’s needs before purchasing a policy.

Frequently Asked Questions About Pet Insurance in New York


Is pet insurance tax deductible in New York?


Pet insurance is tax deductible in New York only if your pet is a certified service animal or a working animal contributing to your taxable income. When deciding whether you can deduct your pet insurance costs from your taxes, seek advice from a tax professional.

 


What is the cheapest pet insurance in NYC?


Based on our research, ManyPets offers the cheapest pet insurance for New York pet owners. However, the exact price for NYC pet insurance varies depending on the provider, your pet’s age and breed, and any applicable discounts. For example, many companies offer a 5% to 10% discount if you insure multiple pets with one policy.

 


What are the most common pet insurance claims in New York?


According to the North American Pet Health Association’s 2023 State of the Industry Report, the most common medical conditions for dogs and cats are ear infections, vomiting, diarrhea, urinary tract infections (UTIs) and weight loss. A pet insurance provider could cover each of these conditions depending on your chosen plan.

 

Additional Pet Insurance Resources

Use the following resources to learn more about pet insurance and pet care in New York:

Originally Appeared Here