The Best Pet Insurance in New York in 2025
Pets Best offers the cheapest average rates for dogs in New York State. Pets Best is the cheapest for cats.
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
Finding the right pet insurance in New York doesn’t have to be overwhelming. Our top picks in the state include Healthy Paws for dogs and Pets Best for cats — both offering competitive rates and comprehensive coverage alongside excellent customer service.
Pet insurance is especially valuable in New York, given the state’s high veterinary costs. New York’s metropolitan regions also contribute to the state’s higher average premiums compared to more rural states.
Pet insurance in New York averages $54 per month for dogs and $29 per month for cats. That said, rates can vary significantly between companies based on factors like your pet’s age, breed, and your chosen coverage options.
Let’s explore what makes these companies stand out and help you find the perfect policy for your furry family member.
What You Need to Know About Pet Insurance in New York
Average annual costs: $648 for dogs, and $348 for cats
Cheapest companies: Pets Best for dogs, and Pets Best for cats
Special regulations: New York regulates pet insurance as inland marine insurance, and Gov. Hochul vetoed specific pet insurance legislation in 2024
Compare Pet Insurance Companies in New York
The table below compares the top pet insurance companies available in New York State. It shows average rates for dogs and cats, coverage details, and whether the insurers cover pre-existing conditions.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $33/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $22/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $34/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $65/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $48/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $11/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $15/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $35/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $22/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% |
Payout limits The maximum amount your provider will pay for covered events. Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $50–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 |
Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with New York’s Best Pet Insurers
Policies in New York start as low as $11 per month.
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Our Picks for the Best Pet Insurance Companies in New York
Choosing the best pet insurance comes down to finding the right fit for your situation. No single company works perfectly for every pet parent. That’s why we’ve selected these insurers based on the factors that matter most to New York pet owners.
We evaluated companies based on average rates, age limits, plan types, pricing transparency, available coverage options, specialized offerings, and unique benefits that set them apart.
Here are our top recommendations for different types of pets and situations in New York.
Healthy Paws: Best for dogs
Pros
Unlimited annual and lifetime payouts
Quick claims processing
Covers hereditary and congenital conditions
Cons
Won’t issue policies to older pets
Doesn’t offer wellness plans
No coverage for exam fees
Healthy Paws stands out as our top choice for dog owners in New York because it offers the lowest premiums for dogs, according to our data.
The company provides unlimited payouts for all plans, ensuring you won’t hit coverage caps during expensive treatments and veterinary services. Its streamlined approach focuses on comprehensive accident and illness coverage. But it doesn’t offer a routine care add-on for things like vaccinations and wellness exams.
Pets Best: Best for cats
Pros
No upper age limit for enrollment
Acupuncture care coverage available
Unlimited coverage option available
Cons
No 100% reimbursement option
Doesn’t cover behavioral conditions
Relatively low multi-pet discount
Pets Best earns our recommendation for cat owners because it has the lowest premiums for cats in New York, according to Compare.com data. What sets it apart is its coverage for curable pre-existing conditions, making it a solid choice for cats with minor health issues that might improve over time. It also offers deductibles ranging from just $50 to $1,000.
Lemonade: Best for senior dogs
Pros
Bundling discount available
Can file claims through mobile app
Consistently low premiums
Cons
Doesn’t cover alternative therapies
Not available in every state
Some coverages available only with add-on
Lemonade offers competitive pricing for senior dogs in New York, according to Compare.com data. Its two-day accident waiting period is one of the quickest on the market, and it covers curable pre-existing conditions. Its mobile-first approach makes managing your policy convenient. And Lemonade offers annual limits as high as $100,000.
Figo: Best for senior cats
Pros
No upper age limit for new policies
Multiple reimbursement rates and deductible options
24/7 virtual vet visits included
Cons
Mixed customer reviews about claims
No coverage for prescription food
Relatively low multi-pet discount
While Figo doesn’t have the absolute lowest rates, it offers excellent value with competitive pricing for senior cats. It stands out with a 100% reimbursement rate option, coverage for curable pre-existing conditions, unlimited payout options, and a one-day waiting period for injuries. It also offers a wellness add-on to cover routine veterinary services.
ASPCA: Best for pets with pre-existing conditions
Pros
Multi-pet discount
Covers alternative therapies
Covers hereditary and congenital issues
Cons
No coverage for prescription food
Must call for unlimited-coverage quote
Limited deductible options
ASPCA offers competitive rates for pets in most categories and distinguishes itself with a much shorter lookback period for curable conditions. Its policy requires only six months compared to the typical one-year lookback period most companies require, making coverage more accessible for pets with recent health issues. And, if you’re looking for high annual limits, ASPCA offers an unlimited option.
Our editorial team selected the companies you see here based on a combination of average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently depending on the category to provide the best possible recommendations to pet owners throughout the state.
The Cheapest Pet Insurance Companies in New York
Pet insurance rates vary between insurers due to different risk assessment models, coverage options, and business strategies. Some companies focus on basic coverage at lower prices, while others offer comprehensive plans at higher premiums.
The table below shows companies with the cheapest average pet insurance rates for dogs and cats in New York, according to our data.
The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Pets Best | $22 | $11 |
| Lemonade | $34 | $15 |
| Spot | $40 | $18 |
| ASPCA | $48 | $22 |
| Prudent Pet | $57 | $36 |
| Figo | $65 | $35 |
| Pumpkin | $84 | $34 |
New York Pet Insurance Laws and Requirements
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New York regulates pet insurance under its current insurance laws. Here’s what pet owners should know about the state’s approach:
Current regulation: The New York Department of Financial Services licenses and authorizes all pet insurance companies to do business in the state.[1]
Recent legislative efforts: In November 2024, Gov. Hochul vetoed comprehensive pet insurance legislation that would’ve created specific regulatory standards.[2]
Proposed consumer protections: The vetoed bill would’ve established standardized definitions, 30-day review periods, and mandatory disclosure requirements.[3]
New York also passed legislation in 2021 that prohibited homeowners insurance discrimination based on dog breed. It extended this protection to renters insurance policies in 2025.[4]
How to Pick the Right New York Pet Insurance Company for You
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Finding the best pet insurance in New York requires evaluating several key factors. Follow these steps to make an informed decision:
Assess your pet’s needs. Consider your pet’s age, breed, and any existing health conditions that might affect coverage options.
Compare coverage types. Decide between accident-only, accident and illness, or comprehensive plans that include wellness coverage.
Get multiple quotes. Request quotes from at least three companies, as rates can vary significantly between companies for the same coverage.
Review waiting periods and exclusions. Check how long you’ll wait for coverage to begin and understand what’s not covered, particularly regarding pre-existing conditions.
Consider out-of-pocket costs. As you compare quotes, be sure to look at each policy’s reimbursement rates, and deductibles. Both will affect how much your plan costs you out of pocket.
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Pet Insurance Terms: A Full Glossary of Everything You Should Know
Find the Best Company for Your Furry Friend
Pets Best may be cheapest, but it won’t be right for every New York pet parent.
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New York Pet Insurance FAQs
Here are answers to the most common questions about pet insurance in New York.
What’s the best pet insurance in New York?
The best pet insurance depends on your specific needs. Healthy Paws offers the lowest rates for dogs, while Pets Best provides the most affordable coverage for cats, according to Compare.com data.
What is the average cost of pet insurance in New York?
Pet insurance in New York averages $54 per month for dogs and $29 per month for cats.
Is pet insurance expensive in New York?
Yes. New York pet insurance costs tend to be higher than many neighboring states. Insurance costs $54 per month for dogs and $29 per month for cats in New York. For context, the national average is $54 and $29, respectively, according to Compare.com data.
Is pet insurance worth it in New York?
Yes. Pet insurance can be especially useful in New York, considering the state’s high veterinary costs. Emergency treatments and specialty care in metropolitan areas like New York City can cost thousands of dollars. Insurance helps make these expenses more predictable and manageable.
What does pet insurance cover in New York?
Pet insurance in New York typically covers accidents, illnesses, diagnostic tests, surgeries, and medications. Coverage varies by company, but most plans include emergency care, chronic conditions, and hereditary issues. Wellness coverage for routine care is usually available as an add-on.
Disclaimer
Our editorial team created this article with the help of highly trained generative AI tools. That said, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all of the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- New York State Bar Association (NYSBA). "LEGALease: Pet Insurance – Frequently Asked Questions."
- New York State Bar Association (NYSBA). "2024 Legislation Subcommittee Report."
- PIA Northeast News. "N.Y.: New pet insurance legislation: Implications for independent insurance agents and clients."
- ASPCA. "New York: Protect Renters and Pets from Unfair Insurance Practices!."
