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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.
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.
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.
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.
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.
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.
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.
MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.
Fetch covers various conditions and offers holistic therapy coverage.
Spot will insure older animals and provides a multi-pet discount when you insure two or more pets
Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.
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.
The following are the four main types of pet insurance plans in New York:
The following are most commonly covered under pet insurance policies:
The following is a list of exclusions you should be aware of when looking at pet insurance policies:
The following are estimated prices of pet insurance in New York, based on pet breeds, age, and location.
| Pet Breed | Age | Cost |
| Golden Retriever | Adult, 5 Years | $45-$135 |
| Golden Retriever | Puppy, 6 Months | $49-$99 |
| Chihuahua | Adult, 5 Years | $24-$83 |
| Chihuahua | Puppy, 6 Months | $19-$69 |
| Domestic Cat | Adult, 5 Years | $18-$47 |
| Domestic Cat | Kitten, 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.
The estimated prices for veterinarian procedures in New York are as follows:
For Cats
| Procedure | Cost |
| 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 |
| Procedure | Cost |
| 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 |
When choosing pet insurance, keep a few of these factors in mind so you can make an informative decision for your pet:
