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Best Pet Insurance in New York of 2022

Lisa Scott

When seeking for the best pet insurance in New York, there are several factors to consider as a pet owner. With so many different companies offering an array of coverage plans, how do you know what type of policy is right for you and your pet? You want to take both your pet’s needs into consideration and your finances. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Is pet insurance worth it in New York?

Pet insurance in New York is certainly worth it because no pet owner derives pleasure in the death of their pet or seeing them in a helpless condition. That’s why pet insurance offers pet owners the opportunity to get their pets treated either due to an emergency injury or an illness. 

Pet insurance also offers an array of benefits both to you and your pet. You get to ensure your peace of mind while your pet gets insured of sound health for as long as possible, based on your subscription. 

Every pet insurance plan has specific benefits you and your pet could gain from. All you need to do is to go through each plan to know which will best fit your pet. 

What types of pet insurance plans are in New York? 

The following are the four main types of pet insurance plans in New York:

  • Accident-only plan: This insurance plan takes responsibility for any accident your pet might encounter. So, it covers emergency health care and accidents but will not cover pre-existing conditions, illnesses, or pet-specific issues. 
  • Accident and illness plan: This plan covers your pet’s accidents and illnesses, alongside every cost that might be incurred during tests and treatments.
  • Wellness plan: This plan takes responsibility for your pet’s basic health care, vaccinations, and routine care. This plan is also an add-on option if you would like more holistic care for your pet.
  • Comprehensive care: This policy covers costs related to accidents, illnesses, and injuries. In addition, it pays for wellness care such as vaccinations and annual checkups.

What does pet insurance cover and exclude?

The following are most commonly covered under pet insurance policies:

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

The following is a list of exclusions you should be aware of when looking at pet insurance policies:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Additional veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and declawing. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in New York?

The following are estimated prices of pet insurance in New York, based on pet breeds, age, and location. 

Pet BreedAgeCost
Golden RetrieverAdult, 5 Years$45-$135
Golden RetrieverPuppy, 6 Months$49-$99
ChihuahuaAdult, 5 Years$24-$83
ChihuahuaPuppy, 6 Months$19-$69
Domestic CatAdult, 5 Years$18-$47
Domestic CatKitten, 6 Months$15-$40

Keep in mind, there are several factors that affect the cost of pet insurance such as the pet’s age, type of pet, location, breed, and the type of coverage you settle on.

What are the veterinary costs in New York?

The estimated prices for veterinarian procedures in New York are as follows:

For Cats

ProcedureCost
Exam/vet consultation $139-$209
1-2 days of hospitalization$834-$2,085
3-5 days of hospitalization$2,085-$4,170
Diagnostic bloodwork panel$111-$278
Pet x-ray  $209-$348
Treating / Repairing a wound$664-$1,245
Pet surgery $2,085-$4,170
Ultrasound$417-$834
Breathing issues (ie. asthma)$695-$3,475

For Dogs

ProcedureCost
Exam/vet consultation $139-$209
1-2 days of hospitalization$834-$4,865
3-5 days of hospitalization$1,660-$4,170
Diagnostic bloodwork panel$111-$278
Pet x-ray  $209-$348
Treating / Repairing a wound$660-$2,075
Pet surgery  $2,502-$6,950
Ultrasound$1,112-$4,170
Breathing issues (ie. asthma)$417-$834

How to choose the best pet insurance in New York

When choosing pet insurance, keep a few of these factors in mind so you can make an informative decision for your pet:

  • Consider your budget and costs: When choosing a pet policy, compare a few potential plans and see what each has to offer. Remember to take your pet’s age, breed, and your pet’s current health condition into consideration. All these factors will affect the cost of your monthly premium.
  • Your pet’s needs: Before committing to any pet insurance plan, take into consideration your pet’s breed, any pre-existing conditions, and what illnesses your pet is prone to developing later in life. Pet insurance will not cover pre-existing conditions so it is recommended to insure your pet from a young age.
  • Customer reviews: Research what other customers have to say about an insurance agency you’re considering. Read reviews about the customer’s experience, their service, and how they handle their claims process. This will help you when making a final decision.