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9 Best Pet Insurance Providers in New York – 2024 Reviews

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By Nicole Cosgrove

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In the state of New York, pet insurance premiums are expected to rise an average of 7% this year. However, there is no need to panic – we’ve got you covered! In this blog post, we will provide our top 10 recommendations for pet insurance plans in New York. Plus, we will give you a breakdown of how much each plan costs. So, whether you are a new or existing pet owner in New York, read on for all the information you need to make the best decision for your furry friend!

As always, we recommend that you shop around and compare rates before making a final decision on your pet insurance plan. With that said, let’s get started!

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A Quick Look at Our Winners in 2024

Rating Image Product Details
Best Overall
Winner
Trupanion Trupanion
  • Unlimited payout amounts
  • 90% reimbursement
  • Offers a wide range of coverage, including wellness
  • Second place
    Nationwide Nationwide
  • Reputable name in insurance
  • Lots of discounts, including multi-pet
  • Covers more than just cats and dogs
  • Third place
    Fetch Fetch
  • Covers boarding costs
  • Helps financially if your pet goes missing
  • Covers dental and holistic treatment
  • Embrace Embrace
  • Offers coverage for boarding
  • Offers new pet discounts
  • High reimbursement and no payout limit
  • Pets Best Pets Best
  • Affordable premiums
  • 24/7 pet helpline
  • Lots of in-network veterinarians
  • The 9 Best Pet Insurance Providers in New York

    1. Trupanion Pet Insurance – Best Overall

    Trupanion Pet Insurance

    Cost: Starts at $39 per month
    Coverage: Accidents, illnesses, hereditary and congenital conditions, cancer treatment ,and alternative care
    Reimbursement Rate: 90%
    Payout Limits: No limit

    Trupanion is a leading provider of pet insurance, offering a wide range of coverage options to suit every budget. One of the key features of Trupanion is that it covers 90% of eligible veterinary costs, with no upper limit on payouts. This means that pet owners can rest assured that their pet will always receive the treatment they need, regardless of cost. In addition, Trupanion offers a comprehensive wellness plan that helps to cover the costs of routine care, such as vaccinations and check-ups. With its combination of comprehensive coverage and affordable price point, Trupanion is a great option for any pet owner.

    Pros
    • Unlimited payout amounts
    • 90% reimbursement
    • Offers a wide range of coverage, including wellness
    Cons
    • Higher premiums

    2. Nationwide Pet Insurance

    nationwide pet insurance logo

    Cost: Starts at $24.66 per month
    Coverage: Accidents, illnesses, and wellness
    Reimbursement Rate: Varies by plan
    Payout Limits: Varies by plan

    Nationwide pet insurance is one of the leading providers of pet insurance in the United States. The company offers a variety of plans, each of which is designed to meet the needs of different kinds of pet owners. One of the most popular plans is the comprehensive plan, which covers all major medical expenses, including vaccinations, routine checkups, and emergency care. The comprehensive plan also includes coverage for accidental death and dismemberment. For those who want a less comprehensive plan, Nationwide also offers a basic plan, which covers only routine care and vaccinations. In addition, the company offers a variety of discounts, including a multi-pet discount and a discount for those who insure their pets through Nationwide.

    Pros
    • Reputable name in insurance
    • Lots of discounts, including multi-pet
    • Covers more than just cats and dogs
    Cons
    • Not as many coverages
    • Lower reimbursement rates

    3. Fetch Pet Insurance

    Fetch logo

    Cost: Starts at $33 per month
    Coverage: Accidents, illnesses, cancer treatment, and alternative care
    Reimbursement Rate: 90%
    Payout Limits: No limit

    Fetch is a pet insurance provider that used to be under the name PetPlan. It offers several features to its policyholders. One feature is that is unique is that Fetch will cover boarding costs if you as the owner have to go into the hospital. They also offer dental coverage, holistic treatment options, and cover exam fees.

    In addition, Fetch also covers virtual veterinarian visits and behavioral therapy (up to a certain amount per year). They can also help cover advertising and reward costs if your pet were to go missing. The downside to Fetch is that they don’t offer wellness plans or accident-only plans.

    Pros
    • Covers boarding costs
    • Helps financially if your pet goes missing
    • Covers dental and holistic treatment
    Cons
    • No wellness plan
    • No accident-only plan

    4. Embrace

    embrace pet insurance

    Cost: Starts at $35 per month
    Coverage: Accidents, illnesses, cancer treatment, and alternative care
    Reimbursement Rate: 90%
    Payout Limits: No limit

    Embrace pet insurance offers a wide range of coverage options to suit the needs of any pet owner. For example, the company offers comprehensive medical insurance that covers everything from routine check-ups to major surgeries. In addition, Embrace also provides coverage for pet owners who need to board their animals while they are away on vacation or business trips. The company even offers a “new pet” discount for those who insure multiple pets. With so many options available, it’s easy to see why Embrace is one of the leading providers of pet insurance in the United States.

    Pros
    • Offers coverage for boarding
    • Offers new pet discounts
    • High reimbursement and no payout limit
    Cons
    • Doesn’t cover prescription food

    5. Pets Best

    Pets Best Pet Insurance

    Cost: Starts at $19 per month
    Coverage: Accidents, illnesses, vet visits, surgeries, prescriptions
    Reimbursement Rate: 70%
    Payout Limits: No limit

    Pets Best Pet Insurance offers a variety of features to help give you peace of mind when it comes to your pet’s health. Their plans are customizable, so you can choose the coverage that best fits your needs. They also offer a 24/7 pet helpline, so you can get answers to your questions any time of day or night. And if your pet needs to see a specialist, Pets Best will cover up to 80% of the cost. Plus, they have a network of over 3,000 veterinarians nationwide, so you’re sure to find a reputable provider near you. With Pets Best Pet Insurance, you can rest assured that your pet will be well-cared for in the event of an injury or illness.

    Pros
    • Affordable premiums
    • 24/7 pet helpline
    • Lots of in-network veterinarians
    Cons
    • Lower reimbursement rates

    6. ASPCA

    ASPCA Pet Health Insurance

    Cost: Starts at $38 per month
    Coverage: Accidents, illnesses, cancer treatment, and alternative care
    Reimbursement Rate: 90%
    Payout Limits: No limit

    The American Society for the Prevention of Cruelty to Animals (ASPCA) pet insurance offers a variety of features that can be beneficial to pet owners. One feature is that the policy covers all breeds of dogs and cats. This is important because some insurance policies exclude certain breeds, which can be a problem for pet owners who have mixed-breed pets or who adopt pets from shelters without knowing their background.

    Another feature of the ASPCA pet insurance is that it covers routine care, such as vaccinations and check-ups, as well as unexpected illnesses and accidents. This can be very helpful in keeping pets healthy and preventing costly Veterinary bills. Finally, the ASPCA policy has no deductible, so pet owners can receive coverage for their pets immediately. For these reasons, the ASPCA pet insurance is a good option for many pet owners.

    Pros
    • No deductible
    • Trusted name in pet care
    • Covers all dog and cat breeds as well as horses
    Cons
    • Must call to get a quote for some policies

    7. Hartville Pet Insurance Group

    Hartville Pet Insurance_Logo

    Cost: Starts at $39 per month
    Coverage: Accidents, illnesses, cancer treatment, and alternative care
    Reimbursement Rate: 90%
    Payout Limits: No limit

    Hartville Pet Insurance Group has been offering pet insurance since 1997 and is one of the oldest and most well-established companies in the industry. Hartville offers a wide range of coverage options, from basic accident and illness protection to more comprehensive plans that cover preventive care, dental care, and alternative therapies.

    One of the unique features of Hartville’s pet insurance is its “new pet discount.” This discount applies to pets that are enrolled in Hartville’s insurance plan within their first year of life and can save policyholders up to 20% on their premium. In addition, Hartville offers a “multi-pet discount” for policyholders who insure more than one pet on their policy. These discounts can make Hartville’s pet insurance plans more affordable for families with multiple pets.

    Pros
    • No maximum age limits
    • Multi-pet discount
    • Coverage for alternative therapies
    Cons
    • No coverage for herbal supplements

    8. American Kennel Club

    AKC Pet Insurance

    Cost: Starts at $37 per month
    Coverage: Accidents, illnesses, cancer treatment, and alternative care
    Reimbursement Rate: 90%
    Payout Limits: No limit

    The American Kennel Club (AKC) offers a wide range of pet insurance plans to help dog owners cover the cost of unexpected medical expenses. All AKC pet insurance policies include coverage for accidents and illnesses, routine care, and emergency care. In addition, AKC pet insurance plans offer a variety of optional benefits, such as wellness coverage, dental coverage, and prescription drug coverage. AKC pet insurance also provides a variety of discounts, including a multi-pet discount and a loyalty discount for current customers. Overall, AKC pet insurance is a comprehensive and affordable way to keep your dog healthy and happy.

    Pros
    • Multi-pet and loyalty discounts
    • Reputable name in the pet industry
    • Covers pre-existing conditions after a waiting period
    Cons
    • Some dental procedures aren’t covered
    • Congenital conditions require extra coverage

    9. Healthy Paws

    Healthy Paws Pet Insurance

    Cost: Starts at $43 per month
    Coverage: Accidents, illnesses, cancer treatment, and alternative care
    Reimbursement Rate: 90%
    Payout Limits: No limit

    Healthy Paws pet insurance is one of the most popular pet insurance companies in the United States. Here’s a look at some of the features that make Healthy Paws pet insurance a great choice for pet owners:

    Comprehensive coverage: Healthy Paws pet insurance covers all expenses related to your pet’s health, including routine care, emergency care, and specialist care.

    No lifetime limits: Some pet insurance companies place limits on the amount of coverage you can receive over the life of your pet. Healthy Paws does not have any lifetime limits on coverage, so you can rest assured that your pet will be covered no matter how long he or she lives.

    Affordable premiums: Healthy Paws offers some of the most competitively priced premiums in the pet insurance industry. And, because there are no lifetime limits on coverage, you’ll never have to worry about your premiums increasing.

    Simple claims process: Healthy Paws makes it easy to file a claim and receive reimbursement for your pet’s medical expenses. Simply submit your claim online or by mail, and you’ll receive a decision within two business days. The one downside to Healthy Paws plans available is that pets over 4 years old cannot be enrolled in the state of New York.

    Pros
    • No payout limits
    • Fast claims processing
    Cons
    • No wellness coverage
    • Exam fees and prescription diets aren’t covered
    • Pets over 4 years old cannot be enrolled in the state of New York

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    Pet Insurance In New York – FAQ

    What is pet insurance?

    Pet insurance is a policy that helps pet parents pay for veterinary care if their pet becomes injured or sick.


    How much does pet insurance cost in New York?

    The average cost of pet insurance in New York is $44 per month, but this will vary depending on the type and amount of coverage you choose.


    What are the best pet insurance companies in New York?

    Some of the best pet insurance companies in New York include Healthy Paws, Pets Best, Embrace, Nationwide, and Trupanion.


    What does pet insurance cover?

    Pet insurance typically covers accidents, illnesses, cancer treatment, alternative care, and more. However, coverage varies by company so be sure to read the fine print before signing up.


    Is pet insurance worth it?

    This is a personal decision, but we believe that pet insurance is worth it for peace of mind. No one knows when their pet will become sick or injured, and pet insurance can help ease the financial burden in these difficult times.


    How do I choose the best pet insurance plan for my dog or cat?

    There are a few things to consider when choosing a pet insurance plan, such as coverage limits, deductibles, reimbursement rates, and exclusions. We recommend reading our reviews of the best pet insurance companies to get started.


    What is the best age to get pet insurance?

    You can sign up for pet insurance at any age, but we recommend doing so sooner rather than later. Once your pet reaches adulthood (around age two), their premiums will start to increase each year.


    Can I have more than one pet insurance policy?

    Yes, you can have more than one pet insurance policy. However, we recommend talking to your veterinarian or a pet insurance agent to see if this is the best option for you and your pet.


    What is a waiting period?

    A waiting period is the length of time between when you sign up for pet insurance and when your coverage starts. Most pet insurance companies have a waiting period of 14-30 days, but this will vary depending on the company.


    What are the different types of pet insurance?

    There are two main types of pet insurance: accident and illness coverage, and wellness/routine care coverage. Accident and illness coverage helps pay for veterinary care if your pet becomes sick or injured, while wellness/routine care coverage helps pay for preventive care, such as vaccinations and routine check-ups.

    Pet insurance form
    Image by: Ekaterina_Minaeva, Shutterstock

    What is a deductible?

    A deductible is the amount of money you must pay out-of-pocket before your pet insurance policy kicks in. For example, if you have a $500 deductible and your vet bill is $600, you will need to pay the first $500 and your pet insurance company will cover the remaining $100.


    Do I need to see a specific veterinarian?

    Most pet insurance companies allow you to see any licensed veterinarian in the United States, but there are a few that require you to use a specific network of veterinarians. Be sure to read the fine print before signing up for a policy.


    What is reimbursement?

    Reimbursement is when your pet insurance company reimburses you for veterinary care after you have paid out-of-pocket. For example, if you have a $100 vet bill and your reimbursement rate is 80%, you will receive $80 back from your pet insurance company.


    What is an exclusion?

    An exclusion is a condition or treatment that is not covered by your pet insurance policy. Be sure to read the fine print of your policy so you know what is and isn’t covered.


    How do I file a claim?

    Most pet insurance companies allow you to file a claim online or over the phone. You will need to submit your veterinary bill and any other supporting documentation, such as x-rays or lab results. Your pet insurance company will then review your claim and reimburse you based on your policy’s terms and conditions.


    What are pre-existing conditions?

    Pre-existing conditions are medical conditions that your pet has before you enroll in a pet insurance policy. These conditions are typically not covered by pet insurance.


    When should I enroll my pet in pet insurance?

    You can enroll your pet in pet insurance at any time, but we recommend doing so sooner rather than later. Once your pet reaches adulthood (around age two), their premiums will start to increase each year.

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    Conclusion

    No matter which policy you choose, be sure to read the fine print so you know what is and isn’t covered. Veterinary care is expensive, and pet insurance can help ease the financial burden if your pet becomes sick or injured. We hope this guide has helped you understand how much pet insurance costs in New York and what to look for when choosing a policy.


    Featured Image Credit: rawpixel.com, Shutterstock

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