Write a review
  3. Pets
  4. Pet Insurance
  5. Best Pet Insurance

Best Pet Insurance in New York

We compared 29 companies and chose the top pet insurance providers

  • Best overall
    Healthy Paws Pet Insurance & Foundation
    4.9(758)
  • Claims process
    Lemonade Pet Insurance
    4.2(465)
  • Customer service
    ASPCA Pet Health Insurance
    4.4(1,146)

Best Pet Insurance in New York

Author picture
By: Jon Bortin
+1 more
Author picture
Edited by: Jon Bortin

Our 3 picks for New York pet insurance companies

  1. Best overall: Healthy Paws Pet Insurance & Foundation
  2. Best claims process: Lemonade Pet Insurance
  3. Best customer service: ASPCA Pet Health Insurance

We’ve chosen the best pet insurance in New York by comparing ratings and reviews, coverage, add-ons, pricing and other factors. Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

Learn more
Best overall
Healthy Paws Pet Insurance & Foundation
Healthy Paws Pet Insurance & Foundation
4.9
758 reviews
Highlight
No cap on annual reimbursement
Plan types
Accident-and-illness
Discounts available
None
Get Pricing Read Reviews

Healthy Paws makes pet insurance simple, with one accident-and-illness plan that has no payout limits — and you still have choices for the deductible and reimbursement percentage. One feature that separates it from most companies is direct payment to veterinarians (requires coordination before visit). Healthy Paws has covered over 560,000 dogs and cats.

  • Annual reimbursement limit: No limit
  • Annual deductible: $250 to $1,000
  • Optional coverages: None
  • Waiting period: 15 days

Pros

  • No maximum annual payout
  • Direct payment to vet possible
  • Coverage for alternative medicine

Cons

  • No optional coverages
“Healthy Paws has paid out thousands for my 8 year old German Shepherd. I would not have been able to afford the numerous vet bills without them. Their website for submitting claims is super easy to use and they often settle the claim the same day I submit it. I would recommend them to anyone with a dog or cat.”
RosemaryCongers, NY
“Healthy Paws has come through for us several times in life saving hospitalizations for our dog. Strongly recommend Healthy Paws. It is an emotional trying period when your pet is critically ill or hurt. Healthy Paws takes care of their end and gives you mental space to focus on your pet’s health.”
SherylNew York, NY
Best claims process
Lemonade Pet Insurance
Lemonade Pet Insurance
4.2
465 reviews
Highlight
Many add-on coverages
Plan types
Accident-and-illness
Discounts available
Bundling, multipet, annual
Get Pricing Read Reviews

Lemonade pet insurance claims are fully digital — and fast. In some cases, once you fill out a claim report in the app with the invoice and receipt from the vet visit, you get paid almost immediately. Lemonade offers a base accident-and-illness policy and lots of ways to personalize coverage, including more than five add-on plans. Its discount opportunities, including a 10% discount for bundling, are favorable in comparison with competitors.

  • Annual reimbursement limit: $5,000 to $100,000
  • Annual deductible: $100 to $750
  • Optional coverages: Vet visit fee, dental illness, behavioral conditions, physical therapy, end-of-life
  • Waiting period: Two days to six months

Pros

  • Highly customizable coverage
  • Two-day waiting period for accidents
  • Multipet, bundling discounts

Cons

  • No accident-only policy
“Lemonade Pet Insurance is the real deal! Our dog has had a few unfortunate illnesses requiring vet care, and Lemonade has always paid exactly what they said they would. The last claim was paid in 1 second! Of course, we don’t want claims, but if we ever need them, they’ve been there. Highly recommended!”
JamesWhite Plains, NY
“Lemonade is such a wonderful company. Everything is in the app. It is fast, convenient and servicing is very efficient. Submitting claims is easy and the approval turnaround is quick! The coverage is also great for the process point. Love this company!”
CarolBrooklyn, NY
Best customer service
ASPCA Pet Health Insurance
ASPCA Pet Health Insurance
4.4
1,146 reviews
Highlight
Exam fees covered
Plan types
Accident-only, accident-and-illness
Discounts available
Multipet
Get Pricing Read Reviews

ASPCA Pet Health Insurance makes all aspects of coverage convenient for dog and cat owners, whether it's plan customization, paying for exam fees or tracking claims. There's also a 30-day money-back guarantee for customers in most states. ASPCA, one of the oldest pet insurance providers in the U.S., has covered more than 600,000 pets in the past 20 years. It offers two plans — Complete Coverage and accident-only — as well as optional coverage for preventive care. Claims, which you can submit online, by fax or by mail, are completed in 30 days or less.

  • Annual reimbursement limit: $2,500 to $10,000
  • Annual deductible: $100 to $500
  • Optional coverages: Preventive care, upgraded preventive care
  • Waiting period: 14 days

Pros

  • Exam fees covered
  • No upper age limit
  • Multiple preventive care add-ons

Cons

  • $10,000 annual reimbursement maximum
“I consider ASPCA pet insurance to be very good. I have never had a negative experience. Very easy to submit a claim thru the app, the turnaround time is also quick. I would seriously recommend to anyone that it's worth every penny. If you have questions or information they are a phone call away and explain with dedication. Thank you ASPCA.”
AlexTarrytown, NY
“ASPCA Pet Health Insurance has been great. I have a good policy. I've been getting reimbursed for things that have happened.”
LaurieNew York, NY

Pet Insurance in New York Buyers guide

Jump into our guides and start learning

In this guide

Top Picks

See who reviewers like

Healthy Paws Pet Insurance & Foundation logo
Lemonade Pet Insurance logo
ASPCA Pet Health Insurance logo
See our top picks

Quick and easy. Get matched with a Pet Insurance partner.

New York pet insurance buyers guide

Veterinary care is expensive — especially when your pet has to be seen for an unexpected accident or illness. That’s why many dog and cat owners purchase pet insurance, which reduces out-of-pocket costs.

Key insights

Pet insurance reimburses the pet owner for a percentage of vet costs after a visit for an accident or illness.

Jump to insight

Before purchasing a pet insurance policy, consider what’s covered, plus the reimbursement percentage and limit, and your deductible.

Jump to insight

Monthly costs for pet insurance average $56 for a dog and $34 for a cat but vary based on many factors.

Jump to insight

How pet insurance works in New York

Most pet insurance policies work similarly: You take your pet to any licensed vet and pay the provider directly at the time of the visit. Then you submit the invoice to the insurer (usually online through an app or by email), and the insurer reimburses you according to the terms of your plan. There is usually a waiting period of two weeks after sign-up before coverage takes effect.

What pet insurance covers

Pet insurance covers diagnostic and treatment services for accidents, illnesses or both, depending on the plan you select. This usually includes X-rays, MRIs, ultrasounds, blood work, medication, surgery and hospitalization for events and conditions such as:

  • Bite wounds
  • Broken bones
  • Cuts
  • Foreign body ingestion
  • Arthritis
  • Cancer
  • Skin, eye and ear infections
  • Digestive issues
  • Infectious diseases
  • Urinary tract infections
  • Diabetes
  • Dental conditions
  • Behavioral problems

What pet insurance doesn’t cover

Pet insurance doesn’t cover every type of vet visit. Coverage varies by company, but in general, pet insurance doesn’t cover:

  • Preexisting conditions
  • Cosmetic treatments (e.g., tail docking)
  • Breeding or pregnancy
  • Preventive care (e.g., annual checkups, vaccines)
  • Training
  • Illnesses or accidents that result from negligence, intentional mistreatment or malicious activity

What to consider with pet insurance in New York

When you’re choosing a pet insurance company in New York, here are the main points to consider:

  • What’s covered: Pet insurance plans tend to cover accidents, illnesses or both. Diagnostics (e.g., blood work, X-rays), surgeries, hospitalization and medications are usually covered — but not always. Some treatments, like dental care, for example, are covered only under specific conditions. Care for preexisting conditions is always excluded.
  • Reimbursement limit: Most plans specify a maximum yearly reimbursement amount. When signing up, you may have options for caps that range anywhere from $2,000 to an unlimited amount.
  • Annual deductible: The annual deductible is the amount you must pay out of pocket before coverage kicks in. This ranges from as low as $100 up to $1,000.
  • Reimbursement percentage: Once you meet your deductible, the insurance company will reimburse you a percentage of the covered care costs. As with the annual limit and deductible, you can customize the amount; we’ve seen plans that cover from 60% to 90%.
  • Waiting period: As a general rule, you have to wait around two weeks after sign-up before your dog or cat is covered. The waiting period may be shorter or even nonexistent for accidents — or longer for orthopedic events, like torn ligaments.

As with any insurance policy, it’s essential to dig through the fine print so you aren’t surprised once it’s time to use it. Pay particularly close attention to exclusions (what’s not covered), limitations and definitions. If there’s something you don’t understand, ask a company representative for clarification.

Cost of pet insurance in New York

The average monthly cost of an accident-and-illness pet insurance plan is about $56 for a dog and $34 for a cat, according to data from the North American Pet Health Insurance Association. Some insurers offer accident-only plans, which typically cost about 70% less. The cost of pet insurance depends on a host of factors, including:

  • Species (i.e., dog or cat)
  • Breed
  • Age
  • Where you live
  • Plan type
  • Annual reimbursement limit
  • Reimbursement percentage
  • Deductible
  • Any add-on coverages you select (e.g., preventive care)

Sample quotes for pet insurance in New York

We collected quotes from the companies on our list for a 2-year-old male Labrador retriever, one of the most popular breeds in the U.S., living in New York. We also got quotes for a 2-year-old male ragdoll. All quotes are for accident-and-illness plans.

FAQ

Do all vets in New York accept pet insurance?

Vets don’t accept pet insurance directly; pet insurance is a reimbursement policy, so you pay the vet directly and then submit a claim to the insurer for reimbursement. You can visit any licensed veterinarian for pet care.

Does pet insurance cover preexisting conditions?

No, pet insurance doesn’t cover preexisting conditions. These are usually defined as any conditions that existed before the policy’s start date. For instance, if your dog had arthritis before you signed him up for insurance, you won’t be covered for any arthritis-related treatment under a plan.

Pet insurance companies will ask for copies of medical records when you sign up or make a claim to check for any preexisting conditions. Keep in mind that some companies cover conditions that can be cured and that haven’t recurred within a certain time frame (e.g., 12 months).

» MORE: What does pet insurance cover?

Is pet insurance worth it?

Whether pet insurance is worth it depends on your pet’s age, breed and health history, plus your financial situation.

There are pros and cons to pet insurance. It gives you a financial safety net in case your dog or cat gets sick or gets in an accident. You also can customize coverage to fit your needs. However, there are exclusions and limitations, and the costs add up over time. There’s also a chance you pay for coverage and never use it.

Overall, pet insurance is more likely to be worth it if you have a younger pet that’s at higher risk for health conditions or if a big vet bill is likely to cause you financial hardship.

How is pet insurance regulated in New York?

Pet insurance companies operating in New York are regulated by the New York Department of Financial Services.

Methodology

To choose the top pet insurance companies in New York, we started with over 30 popular providers listed in our main buyers guide. First, we narrowed the list down to the ones available in New York. We then weighed reviewer satisfaction ratings for pet insurance companies on our website, focusing on these aspects:

  • Coverage
  • Customer service
  • Claims handling
  • Price

The companies with the highest satisfaction ratings were selected as the top pet insurance companies in New York. In circumstances where tiebreakers were necessary, we made decisions based on our research of various features at each company, including reimbursement and deductible options and the availability of discounts.

Guide sources

ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:

  1. North American Pet Health Insurance Association, “Industry Data.” Accessed Jan. 21, 2025.
  2. New York State Bar Association, “LEGALease: Pet Insurance – Frequently Asked Questions.” Accessed Feb. 19, 2025

Not sure how to choose?

Get buying tips about Pet Insurance in New York delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thanks for subscribing.

    You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Read New York pet insurance company reviews

    Showing 10 of 29

    Want your company to be on this guide?

    Yes, continue
    Comparing

    ×
    Trending in Pet Insurance Providers