pet insurance in new york city

11 Best Pet Insurance In New York City For 2023

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Many pet insurance policies in New York cover up to 90% of your vet bills, making it easier to pay for your pet’s medical care.

However, the percentage varies depending on the insurer and your preferences. 

Aside from that, it doesn’t cover some procedures and treatments. And considering the fact that some policies have annual or lifetime payment caps, some bills don’t get coverage.

This is why it’s expedient you get good and affordable coverage, which unfortunately doesn’t come easily.

As a way of profounding solution, we’ve compiled a list of the best pet insurance in New York City, each tailored to specific needs and priorities.

What is pet insurance and how does it work?

Pet owners adore their pets because they bring them joy and companionship. 

Veterinary bills, on the other hand, can be overwhelming when a pet becomes ill or injured. 

Purchasing a pet insurance policy is one of the ways people reduce the cost of major vet bills.

Vaccinations and wellness visits are typically covered by pet insurance, and major expenses for injuries and illnesses are usually covered as well. 

What your policy covers depends on the insurance company, the type of policy you buy, and the options you choose.

Features of Pet Insurance?

The majority of pet insurance policies are set up in the same way. The following are typical features of pet plans:

Features of Pet Insurance?

The majority of pet insurance policies are set up in the same way. The following are typical features of pet plans:


A deductible is an amount you pay each year for covered care before your insurance kicks in.

If your deductible is $500, you must pay $500 before your plan will reimburse you for care.

A percentage of reimbursement: 

Most pet insurance policies work on a reimbursement basis. This entails paying your veterinarian and submitting an itemized receipt to your pet insurance company.

Your pet insurance company will send you a check for a percentage of the services that are covered.

Coverage caps: 

Some plans cap the amount of money they pay out each year. Your plan reimburses you up to $3,000 per year if you have a $3,000 annual limit. The costs of veterinary care are then your responsibility.

What is the significance of Getting Pet Insurance?

People who are concerned about unexpected veterinary bills should purchase pet insurance. 

While most pet owners can afford routine vet visits and vaccinations, the large bills that arise when something goes wrong can quickly overwhelm their finances. 

Most pet insurance policies cover 90 percent or more of covered exams, treatments, and procedures, so you don’t have to worry about it.

Read Also: 13 Best Cheap Health Insurance Mississippi

When is the Best time to Get Pet Insurance?

When you try to buy coverage after an injury or illness, it can be very expensive, as it is with most insurance policies. 

In most cases, your application will be denied, or the injury or illness for which you are seeking coverage will be excluded. 

As a result, purchasing pet insurance as soon as possible is recommended. 

In the event of an emergency or illness, this will provide financial security and peace of mind for a set price.

Furthermore, once a pet reaches a certain age, some policies will no longer cover them. 

As a result, purchasing pet insurance when your pet is young increases the likelihood of their insurance application being approved.

What are the Advantages of Pet Insurance?

Pet insurance has advantages that go beyond your pet’s health. Many of the advantages of pet insurance are related to how unexpected accidents and illnesses affect your finances. 

The goal of insurance is to turn a potentially overwhelming unknown expense into a more manageable monthly payment.

Here are some of the advantages of pet insurance for you and your pet:

  • Visits to the doctor and vaccinations are covered.
  • In the event of an accident or illness, you will be protected.
  • Converts an unknown monthly cost into a fixed amount.
  • Allows you to concentrate on your pet’s health rather than the cost of the procedure.
  • Increases your pet’s treatment options that are normally out of reach due to cost.
  • It helps you save money on costly treatments and follow-up care.
  • Knowing that financial risk is covered gives you peace of mind.
  • It will assist you in creating a budget for your pet’s care.
  • In the event of an emergency, it prevents you from using your savings or going into debt.

What is the cost of Pet Insurance?

The cost of pet insurance varies depending on the level of coverage you choose and the policy’s features. 

The higher your premiums, the more comprehensive your coverage will be. Pawp’s emergency-only policy costs just $24 per month, while GEICO Pet Insurance’s more comprehensive policies start at just $1 per day. 

Note, premiums can be reduced by raising the deductible or qualifying for discounts, just like with other types of insurance.

Are there different Pet insurances in New York City?

Yes, there are. In New York City, there are three types of pet insurance policies to consider when comparing them: 

  • Accident only, 
  • Accident and illness, and 
  • Comprehensive coverage.

Accident Insurance: Covers your pet if he or she is harmed or injured as a result of an accident.

Accidents and illnesses pet insurance: These are unavoidable. Accidents, as well as sickness or disease-related illness, are included.

Comprehensive coverage: Accidents, illness, and routine care, such as vaccinations, worming treatments, de-sexing, microchipping, and dental care, are all covered.

What are the Best Pet Insurance in New York City?

Here are best Pet insurance in NYC:

  1. Lemonade
  2. Plans for Health Paws
  3. Embrace
  4. Prudent Pet
  5. PetPlan
  6. American Society for the Prevention of Cruelty to Animals (ASPCA)
  7. PetFirst
  8. Spot
  9. Trupanion
  10. Pet Best
  11. Pawp
  12. Figo

1. Lemonade

Lemonade is one of the best pet insurance companies, with a wide range of pet coverage options. 

This pet insurance provider offers an accident and illness plan that covers diagnostics, medications, procedures, hospitalizations, and visits to the veterinarian.

The majority of the visits are for injuries, sprains, cancer, heart disease, and other illnesses. 

Pre-existing conditions, cosmetic procedures, and behavioral treatments are not covered under this plan.

Lemonade also offers a Preventative and Wellness Package, which includes wellness exams, tests, vaccinations, blood work, and access to an online medical advice chat for routine care. 

This coverage, on the other hand, does not have a deductible and has a set reimbursement rate based on the policy you choose.


  • There is a discount if you pay annually.
  • Bundling your pet insurance policy with your Lemonade homeowners insurance policy earns you a discount.
  • Accidents are subject to a two-day waiting period.


  • It does not cover chronic illnesses.
  • Treatments for behavioral issues are not covered.

Read Also: Lemonade Pet Insurance Reviews: Is it Worth it?

2. Plans for Health Paws

This year, Health Paws is a good pet insurance company to consider.

This company only offers one pet insurance plan that covers cancer, injuries, hereditary conditions, chronic conditions, and congenital conditions, among other things.

X-rays, blood tests, ultrasounds, hospitalization, surgery, emergency care, specialty care, and alternative treatments are all covered procedures and vet visits in this plan.

Pre-existing conditions that occur prior to your policy enrollment or the 15-day waiting period are not covered by this pet insurance policy.


  • Has an online quote and sign-up tool that is simple to use.
  • Hereditary, chronic, and congenital conditions are all covered.
  • Each filled-out quote helps homeless animals.


  • It does not cover chronic illnesses.
  • Treatments for behavioral issues are not covered. 

3. Embrace

When it comes to eligible accidents and illnesses, such as congenital and chronic conditions, dental trauma, and cancer. 

Embrace’s Accident and Illness Plan covers vet bills for allergy testing, alternative therapies, acupuncture, CT scans, MRIs, X-rays, ultrasounds, emergency care, specialist care, hospitalization, lab tests, biopsies, and physical therapy. 

It doesn’t cover pre-existing conditions discovered by you or a veterinarian before the end of the two-day accident waiting period and the 14-day illness waiting period.

Embrace also offers a Wellness Rewards for Routine Care Plan, which covers a 100 percent reimbursement for eligible preventative and wellness procedures.


  • Offers a 10% discount for multiple pets.
  • With the MyEmbrace customer portal and mobile app, the claims process is simple.
  • Covers pets between the ages of zero and eight weeks.


  • Its wellness coverage plans are more expensive than those offered by competitors.
  • Doesn’t have many options for annual limits over $30,000

4. Prudent Pet

Prudent Pet insurance is another Pet insurance in NYC that is worth checking out this 2023.

This pet insurance plan covers accidents and illnesses like broken bones, bite wounds, dental diseases, cancer treatments, digestive illnesses, hip dysplasia, and more.

This company also offers a low-cost Accident-Only Plan with a $10,000 annual limit for minimal coverage on accidents like bite wounds, injuries, swallowed objects, and procedures.

Prudent Pet also offers three wellness coverage options with specific limits for covered items for flat monthly rates of $7.95, $13.95, and $19.95. 

It also includes an add-on to help cover the costs of veterinary examinations in the event of certain accidents or illnesses. 


  • A 30-day money-back guarantee is available.
  • Provides a veterinarian chat service that is available 24 hours a day, seven days a week.
  • Has a low-cost Accident-Only Plan


  • Doesn’t allow for annual coverage limits to be customized.
  • Some plans have higher prices than the competition.

5. American Society for the Prevention of Cruelty to Animals (ASPCA)

ASPCA Pet Health Insurance is another pet insurance plan worth considering in New York City. 

The ASPCA Pet Health Insurance program is backed by a well-known pet insurance company that offers comprehensive accident and illness coverage for cats and dogs.

This pet insurance has an Accident-Only Plan that covers new injuries and accidents, such as broken bones, bites wounds, and cuts, as well as treatments and procedures.

Congenital conditions, hereditary conditions, chronic conditions, diabetes, hyperthyroidism, and cancer are covered by the Complete Coverage Plan, as well as illnesses and other conditions.

Both plans, however, do not cover pre-existing conditions that occur before or after the 14-day waiting period. 

For $9.95 per month, you can get the Basic Plan, which covers a total of $250 in preventative care such as wellness exams, deworming, and dental cleanings. 

Alternatively, for $24.95 per month, you can add the Prime Plan for $450 in annual coverage.


  • Provides a preventative care plan with two levels of coverage and prices.
  • Exam fees are covered by the company’s standard policies.
  • Does not necessitate the submission of medical records in order to be covered.


  • Doesn’t have any coverage limits over $10,000 per year.
  • Customer service is not available via online chat.

To learn more about ASPCA read this: Topic: ASPCA Pet Insurance Reviews 2023

6. Pumpkins

It is one of the newest pet insurance companies, having been founded in April 2020 during the COVID-19 pandemic in response to an increase in cat and dog adoptions across the country.

The company offers a single Pet Health Insurance Plan that covers vet bills for cancer, skin conditions, respiratory infections, UTIs, kidney disease, broken bones, toxic ingestions, bite wounds and other ailments.

Radiology, diagnostics, alternative therapies, and surgery are all examples of covered treatments.

Microchipping, exam visit fees, and prescription diet foods are all included in the Pumpkin plan.

Basic wellness coverage is included in Pumpkin’s Preventative Essentials Pack add-on, which includes an annual exam, vaccinations, and a fecal test for worms or parasites.

Pre-existing conditions that arise before the policy enrollment date or during the 14-day waiting period for both accidents and illnesses are not covered by either plan.


  • Microchip implantation is covered by a standard policy.
  • Has an easy-to-use online quote tool as well as a customer portal.
  • All policies include a 90 percent reimbursement.


  • High dog breeds price
  • Claims, billing, and customer service are handled by a third-party company.
  • No customer service on weekends.

7. Spot

Spot is one of the newest pet insurance companies on the market, having launched in 2019.

Crum & Forster Pet Insurance, which has been in business since 2006, provides the company’s pet insurance. 

This means that Crum & Forster (C&F) Insurance Agency, Inc. handles Spot claims, billing, and customer service instead of Spot.

Spot’s Accident-Only Plan includes procedures and vet visits for swallowed objects, toxic ingestions, and injuries. 

These procedures, as well as illnesses and conditions like behavioral issues, dental disease, cancer, hip dysplasia, heart disease, respiratory infection, and diabetes, are all covered under its comprehensive Accident and Illness Plan.

You have the option of adding one of two preventative care options during the checkout process for your chosen policy. 

The Gold Preventative Care Plan costs $9.95 per month and covers routine care like wellness exams and feces tests.

On the flip side, the Platinum Preventative Care Plan costs $24.95 per month.

This plan includes higher per-procedure limits as well as coverage for spay or neuter surgery and flea prevention.

Pros Spot Pet Insurance

  • There is no minimum age requirement for coverage.
  • On its website, it provides educational resources.
  • Covers a variety of behavioral issues.


  • Accidents are subject to a 14-day waiting period.
  • Does not apply to animals under the age of eight weeks.

8. Pawp

A Pawp membership includes a $3,000 fund for one eligible vet bill per year. 

An official Pawp representative must verify the incident as a qualifying emergency before these funds assessment.

Pawp pays the vet bill directly at the office instead of reimbursing you once it has verified your pet’s emergency. 

As long as your pet’s symptoms didn’t appear before the policy’s effective start date or during the 14-day waiting period, this fund can cover any qualified emergency.


  • Based on your pet’s needs, recommends local veterinarians and procedures.
  • With a single membership, you can cover up to six pets.
  • Includes a useful mobile app for keeping track of your pet’s health.


  • Covers only one emergency claim per year.
  • Doesn’t cover wellness or preventative care.
  • Doesn’t cover issues relating to pregnancy.

9. Trupanion

Trupanion has a single insurance plan that covers both cats and dogs.

Apart from traditional benefits such as diagnostic tests, surgery, hospitalization, and prescription medications, coverage also includes alternative treatments, dental illnesses, prosthetic devices, and prescription food.

You don’t need to file a claim if your veterinarian uses Trupanion’s direct payment software; Trupanion pays the vet directly. 

As a result, policyholders won’t have to worry about making large upfront payments or filing reimbursement claims, which are common in the pet insurance industry.  

Trupanion is unaffordable and limited in terms of policy options. Premiums are high, and there is only one policy option. Its coverage, on the other hand, is extensive. 

If you can afford higher-than-average premiums, your pet will receive 90% reimbursement on all eligible claims and there are no payout limits per incident, year, or lifetime. 


  • Veterinarians get their pay directly by the company.
  • There are no payment limits on the amount of money.
  • With partnering shelters, breeders, or veterinarians, you can get free 30-day coverage.
  • Deductibles per condition for the rest of your life
  • Enrollment is available in the US, Puerto Rico, Canada, and Australia


  • High premium rates
  • Per-condition deductible
  • No preventive care coverage
  • No multi-pet discounts
  • Only one plan option

10. Pets Best

Pets Best is another good pet insurance in New York City. This pet insurance offers accident and illness policies and also sells multiple wellness plans to cover your pet’s routine care.

Most insurers require pets to be at least eight weeks old to enroll, but Pets Best will insure pets at seven weeks. There is no upper age limit, either, so you can get coverage for senior pets.

Insurers don’t always cover treatments for mobility issues, but Pets Best provides coverage for wheelchairs and prosthetic devices when prescribed by a veterinarian to treat a covered accident or illness.

However, Pets Best does have bilateral exclusions and it won’t cover the condition if it later affects the other side.


  • Covers pets as young as seven weeks with no upper age limit
  • Direct payments available
  • Coverage for prosthetic devices and wheelchairs
  • Wide range of deductibles.


  • Treatments on the premises are not covered.
  • Upgrades to policies are not available until the policy’s renewal date.
  • Exclusions are applied on a bilateral basis.

11. PetFirst

PetFirst is one of the most affordable and effective pet insurance options in New York.

This Pet insurance in NYC has low-cost pet insurance plans that start at $9 per month for cats and $15 per month for dogs. However, if you choose PetFirst, you won’t be sacrificing quality.

It has a variety of plans and has a short waiting period for coverage. Also, PetFirst covers Alternative therapies, and you can add routine care coverage for a fee.


  • No matter how old your pet is, you’ll have complete coverage.
  • Multiple pet discounts are available.
  • Years of low deductibles with no claims
  • There are no restrictions on age or breed.
  • Rates of reimbursement of 80%


  • Hip dysplasia has a long waiting period.
  • Covers Routine physical examinations.
  • Excludes pre-existing conditions from coverage.

12. Figo Pet Insurance

Figo pet insurance is among the best pet insurance in New York City that offers quality coverage options. It has a 100 percent reimbursement option that allows pet owners to reduce their copayment to 0%. 

Although Figo does not impose annual limits, it does impose a lifetime maximum. That means the amount it will reimburse over the course of your pet’s lifetime.

If you want a policy with a 0% copay, unlimited payout benefits, or both, expect to pay more than the average premium. 

Figo’s coverage limitations on hereditary conditions and lack of rider options are also notable drawbacks. 

Additional coverage for vet exam fees is available, but not for preventative care or wellness.

Read Also: Figo Pet Insurance Reviews: Is It Legit or Scam?


  • Up to 100% reimbursement is possible.
  • There is no upper age limit for enrollment.
  • Options with a low deductible
  • Helpline for veterinarians is available 24 hours a day, 7 days
  • Injuries have a 3-day waiting period, while illnesses have a 14-day waiting period.


  • There will be no coverage for hereditary conditions.
  • Knee injuries and orthopedic conditions have a six-month waiting period.
  • Doesn’t cover Preventative care.

5. Petplan

The following is the next company on our list of the best pet insurance companies in New York.

This pet insurance in New York City stands out for its holistic therapies coverage, which includes homeopathy, stem cell therapy, acupuncture, chiropractic care, and more.

It essentially provides an accident and illness plan with annual coverage limits of $5,000, $15,000, or unlimited, depending on the needs of your pet.

Also, it covers cancer, broken bones, toxic ingestions, general illnesses, hereditary conditions, chronic conditions, and hip dysplasia treatments, procedures, and vet visits, among other things. 


  • Adds coverage for behavioral therapies up to $1,000.
  • Covers a standard policy, exam and sick visit fees.
  • Reimbursment of your boarding fee if your pet is hospitalized for more than four days.


  • There isn’t a discount for multiple pets.
  • To be eligible for coverage, your pet must have records from annual medical exams and wellness checkups.
  • There isn’t a preventative care add-on option available.

Which Pet Insurance Plan in New York City Is the Best?

It’s a big decision to pick a pet insurance plan. Your plan should be affordable while still providing the coverage you require.

Request quotes from several companies and a sample policy to review. A sample policy will detail what each plan includes and excludes. Compare the deductibles, waiting periods, and percentages of reimbursement. 


Is pet insurance a good investment for pet owners?

Pet insurance is a good investment for most pet owners. The insurance policy covers major vet bills as well as routine wellness visits, exams, and vaccinations in one easy monthly payment if they purchase a comprehensive policy.

What is the cheapest pet insurance option?

Pawp was the cheapest pet insurance option we found, costing $24 per month. This plan includes a $3,000 emergency protection fund for your pet as well as unlimited video chats with a veterinarian.

What is the best pet insurance plan?

The best pet insurance plan is one that provides the coverage you require at an affordable price.

What does my insurance cover?

Your routine vet visits for checkups, vaccinations, and other services are covered, depending on the type of policy and options you select. A comprehensive pet insurance policy is the name given to this type of coverage.

Are all vet bills covered?

While most pet insurance policies cover injuries, illnesses, and wellness visits, not all vet bills are covered. Most pet insurance policies will not cover medical bills if your pet has a pre-existing condition




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