To help pet parents in New York find the best pet insurance for their furry family members, we at the Guides Home Team read thousands of customer reviews and analyzed top players in the industry on their offerings, scoring them on factors such as customer service, coverage and pricing.
New York’s 7 Best Pet Insurance Providers
Add-Ons: Lemonade’s preventive care additional coverage options come at two levels and monthly prices. The less expensive option helps pay for a wellness exam, a fecal test, three vaccines, a heartworm test and a blood test. The more expensive option adds coverage for a routine dental cleaning and flea, tick or heartworm medication. Each treatment comes with specific per-item limits with a reimbursement rate equal to the one you choose for your standard plan.
Average Price: We pulled quotes to give you an idea of the average monthly price ranges for Lemonade pet insurance policies, based on various coverage caps, deductibles and reimbursement rates for 4-year-old mixed-breed dogs and cats in Albany, N.Y.:
- Dogs: $20–$45 per month
- Cats: $15–$35 per month
To Learn More: Lemonade Pet Insurance Review
Get a Quote: Use this online tool to get a free quote from Lemonade.
Add-Ons: Its preventive care add-ons come at two monthly price points and coverage levels for treatments like dental cleanings, wellness exams, and vaccinations. Gold includes total per-item limits of $250 per year for covered treatments, and Platinum includes $450 per year of total per-item limits.
Average Price: Below are average monthly prices from quotes we received from Spot for mixed-breed dogs and cats in Albany, N.Y., based on differing deductibles, reimbursements, and coverage limits:
- Dogs: $30–$80 per month
- Cats: $15–$35 per month
To Learn More: Spot Pet Insurance Review
Get a Quote: Enter your pet’s information into this online form for a free quote from Spot.
Add-Ons: Embrace also provides an optional Wellness Rewards Plan for an additional monthly cost that pays for 100% of the cost of routine care procedures, such as a wellness exam, vaccines, prescription diet foods, microchipping and more. It offers three annual coverage options of $250, $450 or $650 for costs between $18 and $52 per month.
Average Price: To give you an idea of Embrace’s monthly costs, we collected samples quotes based on 4-year-old medium mixed-breed cats and dogs in Albany, N.Y.:
- Dogs: $30–$95 per month
- Cats: $35–$50 per month
To Learn More: Embrace Pet Insurance Review
Get a Quote: Fill out this online form for a free quote from Embrace.
Trupanion ranked highly with us due to its unlimited coverage and direct-to-vet payments. However, its monthly prices are typically higher than other providers on this list. If cost is no object and you’re in the market for no annual coverage caps, then Trupanion may align with your needs.
Like other pet insurance providers, Trupanion does not cover preexisting conditions, pregnancy issues, elective procedures or cosmetic treatments.
Add-Ons: While Trupanion does not have a preventive care add-on, it has two additional coverage options — the Pet Owners Assistance package and the Recovery and Complementary Care (RACC) rider.
The RACC rider covers acupuncture, chiropractic care, homeopathy and behavior modification for an additional monthly fee. The Pet Owners Assistance package includes vacation cancellation fees, boarding fees if a pet owner is hospitalized, liability coverage for third-party property damage and cremation and burial fees (if the loss is accidental).
Average Price: We pulled sample quotes from Trupanion based on 4-year-old, medium mixed-breed dogs and cats from Albany, N.Y., using various deductibles:
- Dogs: $43–176 per month
- Cats: $30–116 per month
Get a Quote: Visit Trupanion’s website to obtain a free pet insurance quote for your loyal companion.
To learn more: Trupanion Pet Insurance review
Add-Ons: ASPCA Pet Health Insurance does offer two preventive care add-ons to help pay for your pet’s routine treatments, such as a dental cleaning, vaccines, a fecal test and a wellness exam. The Basic Plan comes with a total of $250 per year of per-item limits, and the Prime Plan comes with $450 per year.
Average Price: Below are sample monthly rates for 4-year-old mixed breed dogs and cats in Albany, N.Y., with varying reimbursement rates, deductibles and coverage limits:
- Dogs: $30–$90 per month
- Cats: $15–$35 per month
To learn more: ASPCA Pet Health Insurance Review
Get a quote: Use this online tool for an instant quote from ASPCA Pet Health Insurance.
Average Price: We gathered sample quotes for 4-year-old, mixed-breed dogs and cats in Albany, N.Y., with varying reimbursement rates and deductibles:
- Dogs: $45–$125 per month
- Cats: $25–$40 per month
To Learn More: Fetch by The Dodo Pet Insurance Review
Get a Quote: Visit Fetch’s website to receive a free quote on your pet’s policy.
Healthy Paws doesn’t cover preexisting conditions, nor will it reimburse you for hip dysplasia care for pets 6 years old or older, even if the issue was not diagnosed before the start of your plan.
In addition to processing claims and issuing reimbursements, Healthy Paws has a direct payment option. If you cannot pay a veterinary bill at the time of treatment, Healthy Paws will pay it for you, provided the vet agrees to the payment arrangement.
Average Price: Healthy Paws’ monthly premium range for 4-year-old mixed-breeds of dogs and cats in Albany, N.Y. are as follows:
- Dogs: $38–$50 per month
- Cats: $13–$28 per month
To Learn More: Healthy Paws Review
Get a Quote: Find out how much it would cost for Healthy Paws to cover your pet by taking this quick online survey.
Which Is the Best Pet Insurance Company in New York?
Since pricing can widely vary depending on your pet’s details and location, it’s important to get a few quotes from various providers to see which one offers the best deals and coverage for your specific animal.
Types of Pet Insurance Plans
- Accident-only plans: These plans cover accidents that happen to your dog or cat, such as broken bones, bite wounds, toxic ingestions and more. These plans are less expensive and less comprehensive than accident and illness plans, since they don’t cover illnesses or other conditions your pet may contract.
- Accident and illness plans: For more comprehensive coverage for your animal’s general illnesses and other conditions, which typically include congenital, hereditary and chronic conditions, consider purchasing an accident and illness plan. It’s offered by all pet insurance providers and is ideal for pet owners who want the most complete coverage.
- Preventive care add-ons: If you want coverage for vet bills related to the routine care of your pet’s health, such as wellness exams, vaccinations, blood tests and more, you can purchase a preventive care add-on. These endorsements typically cover up to a certain amount per covered treatment and cost anywhere from $10 to $50 extra per month.
How to Choose the Right Pet Insurance Provider in New York
- Plan type: If you’re just looking for accident-only coverage, your options will be limited to providers that offer those plans, including Prudent Pet, ASPCA Pet Health Insurance and Spot. If you need accident and illness coverage, you can purchase from any of the providers in this review.
- Coverage limits: Your policy’s annual coverage limit is the total amount your provider agrees to pay for vet bills in a single year. If you need unlimited coverage, you can narrow your search down to providers that offer that, such as Trupanion.
- Wellness coverage: Looking to add coverage for wellness and preventive care can help you narrow down your search, since some providers don’t offer that option.
- Policy customization: You can customize your policy by choosing lower annual coverage limits, a higher deductible and a lower reimbursement rate — this is the best way to get the cheapest premium. For instance, Embrace quoted us $70.53 per month for a policy with a $30,000 annual limit, a $200 deductible and a 90% reimbursement rate to cover a mixed dog. However, it cost only $18.15 per month when customizing those options to $5,000 of annual coverage, a $1,000 deductible and a 70% reimbursement rate.
Methodology: Our System for Ranking the Best Pet Insurance Companies
We scored each provider on a 100-point scale based on those elements. We then divided the points earned for each provider’s final score on a 5-point scale.
Here are more details about each factor and how they’re weighted:
- Monthly pricing (25 points): How much each company charges for its pet insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
- Plans (15 points): The top pet insurance companies offer accident-and-illness plans, accident-only plans and wellness or preventive care add-ons to give customers the option to choose a plan that’s best for their pet.
- Covered treatments (15 points): With this factor, we scored companies based on the treatments and procedures they cover. Companies with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies.
- Customization options (10 points): Customizing your policy is a valuable way to ensure you only pay for what your pet needs. Providers with more annual-limit, deductible and reimbursement-rate options earned the highest scores.
- Customer care (10 points): We scored companies on their website accessibility and overall usability, customer service availability, mobile apps (if any), money-back guarantees and veterinarian telehealth options, awarding points to the insurers with more customer experience offerings.
- Industry reputation (10 points): To determine each company’s industry reputation, we reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) and scored companies on their years of experience in the industry and their state availability.
- Waiting periods (10 points): Companies with shorter accident, illness and orthopedic waiting periods between the sign-up and coverage start date scored higher than companies with longer waiting periods.
- Eligible age (5 points): Some companies don’t offer policies for pets that are over a certain age. We deducted points from providers that have age limits for covered pets.
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
