The Best Pet Insurance In New York (2024)

Spot Pet Insurance is a straightforward way to ensure that your pet receives the medical care it requires when it is most needed. Spot is neither challenging to use nor complicated — you simply visit your veterinarian, file a claim after treatment, and wait for payment. In addition, you may choose the amount of coverage you want and customize the policy to fit your pet’s needs and financial restrictions.

To learn more, read our Spot Pet Insurance review.

The average cost for dogs is around $30 a month and around $25 a month for cats. Spot is underwritten by Crum & Forster Pet Insurance. Spot is customizable with an annual maximum of $2,500. It also provides a variety of preventative health packages for an extra fee and a 10% multi-pet discount on pets added to the policy. Spot likewise has plans that don’t have an annual limit.

• Prescription medication
• End of life expenses
• X-rays
• Tooth extractions
• Stem cell therapy
• Poison control
• IV fluids 
• Cancer treatment
• Blood tests
• Accidents
• Emergency care
• Surgery
• Hospitalization

There are, of course, disadvantages. Spot’s coverage doesn’t include dental treatment, gland expression, preventive care, vitamins, experimental treatments, cosmetic procedures, or home visits.

Lemonade offers a wide range of insurance options. Lemonade also sells home, renters’, and auto insurance in addition to pet insurance. Lemonade Pet Insurance is now available in 35 states, with more to come.

Lemonade is unlike other insurance companies in that it is not exclusively concerned with profit. Instead, premiums are used to cover claims. At the end of the year, any unspent money is returned to its clients’ preferred causes. It also provides multi-pet discounts and a 10% discount if you have your home insured with the company. Currently, it only offers coverage for cats and dogs.

To learn more, read our Lemonade Pet Insurance review

Lemonade gives customers the option of paying monthly. The average cost of a cat is $15 per month, whereas the average cost for a dog is $37 per month. You may also choose to add a preventative package to your policy for an extra charge. For cats, it starts at $10 per month and rises to $15 per month if you select the highest level. 

Depending on the extent of coverage, Lemonade might provide up to $100,000 in coverage and annual deductibles ranging from $500 to $5,000. Remember that the cost will vary based on species, gender, and age.

• Blood tests
• MRIs
• CT scans
• X-rays
• Urinalysis
• Lab work
• Ultrasounds
• Outpatient procedures
• Specialty care
• Emergency care
• Surgery
• Hospitalization
• Medications

When considering Lemonade, what it doesn’t cover is one thing to keep in mind. Pre-existing ailments, preventable illnesses, problems that develop during the waiting period, and experimental therapies are all examples of things that aren’t covered.

The American Society for the Prevention of Cruelty to Animals® (ASPCA®) is one of the world’s largest humane societies founded first in North America. Hartville Pet Insurance Group, which began operations in 2006 and is one of the most established and renowned pet insurance providers in the United States, provides pet insurance for the ASPCA.

ASPCA has three plan levels: accident only, injuries and illnesses, and injuries, illnesses, and advanced care. All plans include a 14-day waiting period.

To learn more, read our ASPCA Pet Health Insurance review

Add-on preventative care plans can help you stay on top of your pet’s health. The typical dog coverage cost is $48.78, while the average cat coverage cost is $29.16.

• Cancer treatments
• Microchipping
• End of life expenses
• IV fluids and medications
• Stem cell therapy
• Prescription foods
• Supplements for specific conditions
• Tooth extractions
• Exams
• Medical supplies

The issues and procedures ASPCA insurance doesn’t cover are pretty standard. Its policy will not include dental aesthetics and cleanings, boarding, pre-existing conditions, and conditions prone to specific breeds.

Embrace was formed in 2003 and has insured over 100,000 pets. It also gives $2 to a pet-related charity for every policy sold. Embrace has been working with American Modern Insurance Group since 2012 as the underwriter for its policies.

To learn more, read our Embrace Pet Insurance review

Plans average $30 to $40 per month for dogs and $15 to $20 per month for cats. Remember, rates will vary based on age, gender, and breed. 

There are several discounts available, depending on your location. For example, Embrace gives a 10% multi-pet discount, a 5% military discount, ACH savings, spay/neuter savings, and a monthly payment difference if you pay yearly rather than every month.

Embrace also has some exciting ideas for the future. Its Embrace Wellness Rewards is one such idea. Preventative care reimburses for regular veterinary training and grooming expenses. Embrace also provides a Healthy Pet Deductible, stated in its terms and conditions. If you don’t make a claim every year, your pet’s annual deductible goes down by $50 every year.

• Exam & consultation fees
• Diagnostic tests
• Emergency 
• Specialty care
• Surgery 
• Cancer treatments
• Hospitalization
• Behavioral therapy
• Follow-up care
• Rehabilitation
• Prosthetic limbs
• Prescription medications 
• Breed-specific issues
• Congenital illness
• Chronic conditions

Embrace’s list of what isn’t covered is better than some other insurers’ plans, in our opinion. However, pregnancy, pre-existing conditions, deliberate injury, cosmetic treatments, DNA testing, and stem cell therapy are excluded from Embrace’s coverage. Remember that premiums will vary depending on your pet’s age, gender, and breed. Lastly, Embrace presently only covers cats and dogs.

Healthy Paws was established in 2009 as a nonprofit to help pet owners with financial obligations for their animals while assisting animal rescue organizations with sick pets.

Healthy Paws has joined forces with the global insurance broker Aon Corporation, and Chubb Group backs its pet insurance plans. Healthy Paws insurance covers accidents, illnesses, cancer, emergency care, genetic conditions, dental care, and alternative therapies like acupuncture and chiropractic.

To learn more, read our Healthy Paws Pet Insurance review.

The most notable features are a 30-day money-back guarantee, customizable coverage, and a one-time new customer fee of $25. In addition, the monthly cost for dogs is $39, while cats cost $12 each month on average.

• Prescription medication
• End of life expenses
• X-rays
• Tooth extractions
• Stem cell therapy
• Poison control
• IV fluids 
• Cancer treatment
• Blood tests
• Accidents
• Emergency care
• Surgery
• Hospitalization

Now the bad news, some of the services you’ll have to pay for out of pocket include pre-existing conditions, examination costs, preventative care, behavioral treatment, pet diets, and non-FDA treatment or supplements.

Prudent Pet was founded in 2018, making it one of the newest pet insurers in the business. Despite this, plans are insured by far more well-known names in the insurance sector. Also, Markel underwrites all of its policies.

Transparent and easy-to-understand policies are among Prudent’s strengths. The company provides various coverage options for pet owners, including comprehensive and accident-only plans. Coverage limits start at $10,000 and can have no limit if you choose to go with the highest tier policy.

To learn more, read our Prudent Pet Insurance review.

The cost of monthly premiums varies greatly depending on your pet’s breed, age, and gender. Some plans start at $10 per month for dogs and cats, with the average being around $39 per month for dogs and $23 per month for cats. Prudent also offers add-on pet wellness plans starting at $7.95 per month for cats and $11.95 per month for dogs.

• Cancer and treatments
• Bite wounds
• Broken bones
• Emergency care
• Hospitalization
• Surgery
• Congenital defects
• Eye, ear, and skin conditions
• Urinary infections
• Hereditary conditions
• Hip dysplasia

Prudent does not cover prescription food, organ transplants, non-emergency dental work, intervertebral disc disease, and knee issues. Make sure you keep this in mind when considering it for a policy.

Founded in 2017 in New York City, Wagmo is a technology-focused provider that offers pet insurance for both dogs and cats in New York. The company offers a number of convenience features for users on the go – like the ability to upload bills directly from your phone and receive payments via Venmo or PayPa.

In addition to pet insurance, Wagmo offers wellness plans that provide additional coverage for routine checkups and medications for your pet. You can buy these plans with or without a traditional pet insurance policy, helping you get just the coverage that fits your needs.

To learn more, read our Wagmo Pet Insurance review.

Wagmo’s insurance policies cost an average of about $50 per month for dogs and $25 per month for cats. These figures do not include the additional wellness plans that Wagmo offers, which range from $12 to $36 per month in New York. This is a lot pricier than many other pet insurance providers, but the technology behind the company is top-of-the-line, and the coverage is more comprehensive than you’ll find with most providers, as well.

With three deductible options ($250, $500, or $1,000), Wagmo users can control their monthly cost by choosing the right option for their needs. Wagmo’s insurance covers a lifetime maximum of $100,000 and a per-incident limit of $10,000.

• Prescription medications
• Emergency vet visits
• Virtual, in-home, or in-office care
• Hospital stays
• Surgeries
• X-Rays
• Ultrasounds
• CT scans
• Laboratory tests
• Cancer treatment
• Hereditary and congenital conditions
• Prosthetics and orthopedics
• Hip dysplasia
• End of life care (euthanasia)
• Pet ambulance

Wagmo goes into much more detail than its competitors when spelling out what is and is not covered. This transparency makes the choice easier for consumers. Like most providers, routine veterinary exam bills, spaying or neutering, breeding or pregnancy and birth, and vitamins are all not covered. Pre-existing conditions are also excluded.

Founded in 1998, Trupanion has decades of experience in the pet insurance business and has funded over $2 billion in payouts. Today, Trupanion insures over half a million pets across the United States and Canada. Trupanion covers cats and dogs with unlimited annual reimbursements, with the option to choose a deductible as low as $0 – makings its policies among the most generous on the market.

To learn more, read our Trupanion Pet Insurance review.

Trupanion’s dog insurance may cost between $40 to $200 per month, and cat owners may pay up to $100 per month for insurance. This makes Trupanion one of the most expensive pet insurers in the country. However, you get what you pay for: Trupanion’s low deductibles and 100% reimbursement rates can protect your wallet better than most other competitors.

Trupanion offers customized deductibles ranging from $0 to $1,000 and this amount can be changed during your pet’s coverage to lower your bill or increase your coverage. Like other providers, Trupanion offers add-on coverage but this extra coverage does not include wellness like offerings from Wagmo or Figo.

• Hospitalization 
• Outpatient treatments 
• Any other care services needed for both accidents and illnesses
• Diagnostic tests
• Hereditary and congenital conditions
• Surgery
• Prescription medications
• Prescription food and supplements
• Prosthetic devices and carts
• Herbal therapy
• Dental disease

Trupanion has one of the greatest breadths of coverage for your pets illnesses or accidents. The company’s single accident and illness plan covers everything mentioned above, excluding only pre-existing conditions. However, note that Trupanion excludes rehabilitative services from its plans, which are considered standard inclusions with most other providers.