BEST PET INSURANCE / NEW YORK
Best Pet Insurance in New York in 2025
Reviewed by Kari Steere, Insurance Producer Licensed in NY
Updated 2025 | 5 min read
See which pet insurance company is best for your unique pet in just 2 minutes.
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What is the Best Pet Insurance in New York — for You?
Good pet insurance coverage in New York will likely cover common pet health risks unique to The Empire State — like porcupine quill treatment, marijuana poisoning, antifreeze poisoning, and Lyme disease medication and hospitalization.
The “best pet insurance” depends on your pet’s breed-specific health needs and your preferred coverage range, budget, customer service expectations, and more.
Get unbiased, personalized recommendations with Pawlicy Advisor to find coverage that best fits your pet and see why we’re recommended by thousands of vets.
Why Trust Us
At Pawlicy Advisor, we analyze top pet insurance companies and provide objective breakdowns. We do not get paid to promote one company over another.
A licensed insurance advisor has fact-checked everything below and the American Animal Hospital Association recommends Pawlicy Advisor as the Preferred Business Provider for pet insurance. Learn more about our methodology.
Compare Top Pet Insurance Companies in New York
Policy Highlights
Covers testing & treatment for new accidents & illnesses, exam fees, Rx food & meds, dental conditions, and more
Submit claims online, through a mobile app, by mail, email, or by fax
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How to Find Pet Insurance in New York
1. Know your pet’s breed-specific risks
Confirm your policy will offer the right protection.
2. Customize your policy terms
Select a reimbursement rate, coverage limit, and deductible that fits your lifestyle and your budget.
3. Compare quotes and fine-print
Check rates, requirements, and exclusions to make sure you get a good deal on the right coverage.
How Pawlicy Advisor Makes it Easy
Rather than comparing pet insurance companies one by one, Pawlicy Advisor shows you quotes from top companies all in one place with breed-specific advice.
- Personalized recommendations
- Top companies side-by-side
- Compare coverage vs. lifetime value
The Real Cost of Pet Insurance in New York
The average cost of pet insurance in New York is $63/mo for dogs and $47/mo for cats. Your pet’s age, breed, location, and policy coverage determine your premium rate (which you can pay monthly or annually).
Veterinary fees and pet insurance premiums vary depending on whether you live in a big city like New York City or a somewhat rural area like Long Island. Pawlicy Advisor lets you instantly compare quotes from top companies side-by-side.
See how much pet insurance costs in your NY zip code.
Real Examples of Pet Insurance Costs in Top Cities
See how pet insurance prices can vary by breed, age, and location in the examples below.
French Bulldog
New York City $115-$265/mo
Long Island $68-$195/mo
Rochester $43-$128/mo
Domestic Shorthair
New York City $28-$75/mo
Long Island $20-$56/mo
Rochester $18-$55/mo
Labrador Retriever
New York City $70-$173/mo
Long Island $50-$128/mo
Rochester $43-$128/mo
*The average monthly costs above are based on an 80% reimbursement rate, unlimited annual coverage, and a $500 deductible. Premiums vary by location and breed.
Is New York Pet Insurance Worth the Cost?
Pawlicy Advisor works directly with veterinary clinics throughout the Empire State to give you the most up-to-date information, and vets want you to know that 1 in 3 pets will require emergency care each year.
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“For many New Yorkers, pet insurance is worth it if you can afford it. Dogs, in particular, see 30% higher vet costs in New York than the national average.”
Chief Medical Officer Richard Walther, DVM
Don’t let the cost of treatment determine the care your pet receives. After surveying more than 20,000 pet parents, we found that 4 out of 5 couldn’t afford an unexpected $5,000 veterinary bill without pet insurance.
Pet insurance can reimburse 70%-100% of vet bills (after meeting your deductible). Getting pet insurance in New York can help you manage care costs without thinking twice about it at the vet’s office.
“Pawlicy Advisor’s free pet insurance comparison tool highlights potential conditions and injuries your dog or cat might be susceptible to, so you know how much coverage you need before you make a purchase.” - Dr. Ricky Walther, DVM
Common Vet Visit Costs Unique to New York
Porcupine quill treatment
$300-$4,000
Antifreeze poisoning
$1,500-$6,000
Lyme disease medication & hospitalization
$250-$3,000
$1,500-$3,000
Pet Insurance Coverage in New York
All the pet insurance plans in our marketplace include accident and illness coverage, and some have the option to add wellness plans to cover routine care. While pet insurance coverage varies by state, based on specific legislation and underwriting, we’ve outlined common coverage below to help you get started.
Often Covered
Sometimes Covered
Not Covered
Routine Care Covered by Wellness Plans
Wellness plans are an option for pet owners in the Empire State to help cover the
cost of preventative care visits. Wellness plans vary by company and can include coverage for everyday vet visits, training and behavioral conditions, grooming costs, vacation reimbursement, dental extras, and more. These wellness add-ons can cost anywhere from $15 to $30 a month in addition to your monthly premium.
Save Hours with Pet Insurance Recommendations Tailored to Your Pet
Pawlicy Advisor’s vet-approved guidance will help you find a golden plan in the Empire State today — for free.
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