New York Pet Insurance

New York Pet Insurance

New York pet insurance is a great option to protect your furry friend, despite the fact that New York has been voted the least pet-friendly state due to its major city, New York City, and their laws and regulations surrounding pets. there is a lack of pet-friendly hotels and most businesses won’t let you bring your pet to work unless they are a certified service animal. Lack of space and cost to own a pet were factors in determining that NYC is a rough place for a dog.

However, there are plenty of dogs and cats in the city to keep their owner company, and there are lots of dog parks as well. If you are looking to own an exotic pet, like a ferret, a hedgehog, an iguana or even a tarantula, then NYC is definitely not for you – they disallowed these pets back in 2015.

Best New York Pet Insurance Options

FIGO: Covers dogs and cats
Nationwide: Covers dogs, cats and exotic animals, including birds
Pets Best: Covers dogs and cats
Trupanion: Covers dogs and cats
Embrace: Covers dogs and cats

Dog Friendly NYC

Everyone knows that New York City goes to the dogs once a year with the prestigious Westminster Dog Show held at Madison Square Garden – but what’s it like for the average pup to call New York home?

Dog-friendly companies in New York City include Bitly, whose 5th Avenue office has a very open pet policy. Other pet-friendly offices include Etsy’s Brooklyn location, Fueled and their popular co-work space, Fueled Collective, and renowned ad agency McGarryBowen.

Take a look at this graphic from 2012 – pet watchers estimated about 1.1 million pets lived in NYC at the time. Here’s a look at the distribution of dogs and cats in the city. As you can see, dogs seem to like living near Central Park (dog-friendly) and on Staten Island, where they get the luxury of a backyard.

New York Dog & Cat Population

Image cred:

New York Veterinary Costs

The costs of veterinary care vary based on the issue, the type of pet you have, and of course, where you live. Since most things are more expensive in New York City, veterinary care is no exception. However, one advantage to a big city is the wealth of resources. You’ll have access to a lot of low-income quality care if you meet the requirements.

New York Pet Insurance Costs

As expected, when we did our quote for New York City, we got some of the most expensive premiums out there. However, we are still of the belief that a fixed monthly cost is worth it when you consider the financial burden that extensive treatment can put on a pet owner.

We did a few sample quotes from Figo Pet Insurance to see what the costs look like around New York. Manhattan came in as the priciest, followed by Brooklyn, while the rest of the state seemed to be more in line with what pet insurance costs in the rest of the country.

City or Borough Monthly Cost
Manhattan $65.79
Brooklyn $57.04
Albany $39.29
Buffalo $43.54
Syracuse $45.67

*for the quote, we used a three-year-old mixed-breed dog weighing 21-70 pounds, $14,000 in annual benefits, $250 deductible and 80% reimbursement. Quotes will vary based on what you choose in the plan.

Now, if you decide a cat is a better bet due to long work hours, or their ability to relieve themselves in a litter box and to not need to go for walks, then the pet insurance cost will make your decision even easier. It’s almost half as expensive to insure a cat in Manhattan – male, 3 years old, mixed breed.

Borough Monthly Cost
Manhattan $37.99

The great thing about living in a place like New York City is you have access to the best care money can buy (probably why premiums are higher in NYC!) like acupuncture, chemotherapy, ultrasounds, EKGs and much more.

With the average cost of pet care rising, and better access to more expensive therapies, an emergency vet visit or accident can cost quite a bit. Here’s a look at some data from CBS News on pet care costs (as of 2016):

  • Joint injuries: $3,456
  • Cancer: $2,039
  • Swallowing foreign objects: $1,728
  • Lameness: $986
  • Intestinal problems: $857
  • Periodontal disease: $850
  • Allergies: $803

As most things do, the cost of veterinary care is expected to continue to rise, and numbers in NYC will climb even higher as rising rents, cost of equipment, salaries and more also rise in the largest city in our nation.

Costs of Having a Pet in NYC

There are many things potential pet parents should take into consideration when it comes to bringing a new pet into your life and home. Some costs will include: food, vet visits, dog walking, puppy pads, crates, grooming, training, pet deposits, cabs, travel crates for subways and trains and more. Some pet parents report that grooming in NYC can cost anywhere from $65 to $125 per visit.

Dog walking may be $30 a day and pet deposits can run from $25 a month to $500 a year (sometimes non-refundable). These are all additional expenses that one must take into consideration when looking at getting a pet in NYC.

When you look at pet costs in a city like New York, you must also consider that having a pet will limit the hours you can stay at work, the type and size of apartment you can have, and also where you can move – just because your current place allows pets doesn’t mean your next place will.

Low Cost Pet Resources in New York

Sometimes the price of a pet gets to be more than people can handle. Luckily, there are lots of resources for pet owners so their pets can still get the recommended care.

Helping Paw – low cost spay/neuter on Long Island

Healthy Pets Project of NYC – Upper East Side

Kent Animal Shelter Spay/Neuter Clinic – Calverton, NY

New Rochelle Humane Society Spay/Neuter – New Rochelle, NY

All About Spay/Neuter Microchip Clinic – Massapequa, NY

Animal Relief Fund – Helps keep families with their pets and reduce the number of abandoned cats and dogs

Food Bank for New York City – Occasionally has pet food available

PAWS NY: PAWS Pet Pantry – Parnters with food banks and food delivery services to distribute pet supplies and pet food to people having a hard time buying food for their pets

Pets of the Homeless – Works with local food banks, homeless shelters and soup kitchens to distribute pet food