The Best Pet Insurance Companies in New York (2024)

Lemonade is among our highest-rated pet insurance providers in New York, earning 4.6 out of 5 stars based on our pet insurance methodology. Whether you and your pet are city dwellers or reside upstate, you can quickly and easily customize your policy, file claims and check your reimbursement status from your smartphone. While Lemonade’s accident and illness plan coverage is fairly standard, the monthly premium is low and you can purchase wellness add-ons for additional coverage.

Like most providers, Lemonade does not cover pre-existing conditions. Its basic accident and illness policy also excludes preventable illnesses, bilateral conditions, prescription food, experimental treatments and alternative medicine (like herbal therapy and homeopathy). Lemonade has a maximum enrollment age of 14 years for most breeds. You can add coverage to your plan for vet visit fees, physical therapy, dental cleanings, and spay or neuter surgery for pets up to 2 years old.

The average cost of a Lemonade pet insurance plan for New York pet owners is $30 per month. Based on data we collected about the average annual cost of pet ownership in New York — including vet visits, medication, emergency visits and vaccines — a Lemonade pet insurance plan could save you approximately $557 per year. This chart shows the average cost of Lemonade’s accident and illness plan in New York:

Lemonade offers add-on coverage to boost its basic plan, including:

• Preventive care: Lemonade offers two levels of preventative care coverage for an additional $18 to $26 per month for dogs or $11 to $18 for cats.
• Dental illness: Coverage for dental issues will cost $13 per month for dogs and is not available for cats.
• Behavioral conditions: The behavioral add-on adds $3 to your premium per month.
• Physical therapy: This option will add an extra $1 to $2 per month to your base premium.
• End of life: For an additional $2 to $4 per month, you can add coverage for euthanasia, cremation and a special memorial item.

Spot offers an accident-only plan, more comprehensive accident and illness coverage, and wellness add-ons. Earning 4.4 out of 5 stars based on our pet insurance methodology, Spot allows New York pet owners to choose from a range of annual coverage limits and deductible options to fit their budgets. For this reason, Spot is our top pick for customizing coverage.

New York pet owners can expect to pay an average of $73 per month for a Spot pet insurance plan, which is on the higher end of the providers we reviewed. However, you can reduce your monthly premium by choosing a higher deductible. New York is one of the more expensive states to own a pet, and veterinary services can quickly add up. However, we determined that a Spot pet insurance plan could save you approximately $31 per year.

The following chart shows how much a New York pet owner will pay for a Spot plan for their dog or cat:

Spot’s accident-only plan will cover emergencies for an average of $40 per month for dogs and $23 per month for cats. Spot also offers two preventive care plans — the Gold plan provides up to $250 in benefits per year for an extra $10 per month and the Platinum package adds additional benefits for $25 per month.

One feature that stands out with Embrace is its Healthy Pet Deductible benefit. This benefit rewards you with a $50 credit toward your deductible for every consecutive year you do not file a claim. Along with its multiple discount options, there are plenty of ways to save on your monthly premium, which is why Embrace earned 4.7 out of 5 stars and is our pick for New York pet owners looking for savings.

The average cost of an Embrace pet insurance plan for New York pet owners is $56 per month. Based on data we collected on the average annual cost of pet ownership in New York, an Embrace pet insurance plan could save you approximately $244 per year. This chart explains the costs of covering a New York pet through Embrace:

Embrace also offers a few coverage add-ons, including:

• Preventative care plan: Embrace offers three levels of Wellness Rewards. The low-end plan covers up to $250 in routine care services per year for $19 per month, the mid-range plan covers up to $450 in services for an additional $35 per month, and the high-end plan covers up to $650 in services for an additional $52 per month.
• Exam fees: Adds $5 per month
• Prescription drugs: Adds $5 per month

As one of the oldest pet insurance companies on the market, ASPCA Pet Health Insurance is our pick for the most experienced provider. The company also stands out because it has an accident-only plan and no upper age limit for enrollment. It is also the only provider to offer horse insurance, which could be beneficial if you own a farm in upstate New York. ASPCA Pet Health Insurance received a 4.8 out of 5 stars rating, making it a good option for New York pets.

Pet owners can purchase ASPCA Pet Health Insurance for an average cost of $53 per month in New York. The company offers comprehensive, customizable coverage for a variety of conditions and the option to add preventive care. The provided coverage can save you approximately $277 per year, based on data we collected about the average annual cost of pet ownership in New York. The following chart shows how much an ASPCA Pet Health Insurance plan costs for New York pets:

ASPCA Pet Health Insurance offers an accident-only policy that costs $35 per month for dogs and $21 for cats. The company also offers two preventive care plans — adding the Basic plan will increase your monthly cost by $10, whereas the Prime plan will increase your cost by $25.

Fetch Pet Insurance offers a variety of unique benefits, earning 4.3 out of 5 stars and our pick for special perks. Fetch stands out for its comprehensive therapy coverage of alternative treatments that other providers often exclude, such as acupuncture, chiropractic and homeopathic therapy. This coverage can benefit older pets with chronic conditions or pet owners looking for alternative care options.

For $75 per month on average, Fetch customers in New York can save about $13 per year with pet insurance. Fetch’s potential savings are lower than the other providers we reviewed. However, a Fetch plan may be a good option for pet owners who value alternative treatment coverage. This chart details the cost of Fetch’s coverage for New York pets:

Fetch offers three wellness add-ons — Essentials, Advantage and Prime — with $315 to $735 in annual benefits. Pricing depends on the level of coverage you choose.

Healthy Paws offers one comprehensive and flexible plan, earning it 4 out of 5 stars on our rating scale. The company stands out for its unlimited coverage, meaning there is no annual limit to how much it will reimburse New York pet owners for covered services. So if your pet racks up multiple vet bills for an accident or illness, Healthy Paws will reimburse you for covered services with no coverage cap.

A Healthy Paws pet insurance plan costs an average of $34 per month for New York residents. Based on data we collected about the average annual cost of veterinary services, such as exam fees, medication and emergency visits, a Healthy Paws pet insurance plan could save New Yorkers approximately $539 per year. The chart below shows the average cost for New York dog and cat insurance through Healthy Paws.