Best Pet Insurance in New York of 2022 – MarketWatch

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Whether your puppy is an adventurous type and loves exploring Upstate New York or your house cat spends most of its time watching the streets from the window of your New York City apartment, you and your pet can both benefit from a pet insurance policy. It can provide peace of mind that you’ll be able to afford unexpected treatments your companion needs after an emergency without breaking the bank.
To help pet parents find the best pet insurance in New York for their furry family members, we at the Home Media reviews team read thousands of customer reviews and analyzed top players in the industry on their offerings, scoring them on factors such as customer service, coverage and pricing.
We also pulled quotes for various pets in Albany, N.Y., to provide averages and examples of monthly pricing on policies with $5,000 of annual coverage, a $250 deductible and an 80% reimbursement when those options were available.
 
After researching numerous pet insurance providers, we found the following companies to offer the best pet insurance in New York:
 
Coverage: Lemonade offers one standard policy that provides coverage on accidents and illnesses in addition to add-ons for vet visit fees, physical therapy coverage and preventive care if you want extra coverage. Its standard plan covers vet bills from diagnostic tests, surgery, emergency care, cancer treatments and more. It doesn’t cover preexisting conditions, elective procedures, dental care and behavioral treatments.
Add-Ons: Lemonade’s preventive care additional coverage options come at two levels and monthly prices. The less expensive option helps pay for a wellness exam, a fecal test, three vaccines, a heartworm test and a blood test. The more expensive option adds coverage for a routine dental cleaning and flea, tick or heartworm medication. Each treatment comes with specific per-item limits with a reimbursement rate equal to the one you choose for your standard plan.
Average Price: Average monthly price ranges from our quotes on standard Lemonade pet insurance policies for various breeds of cats and dogs in New York:
The company currently faces a class-action lawsuit concerned with its alleged collection and storage of biometric data, but we still find it to be a reputable and reliable insurer with an array of affordable plan options and a streamlined quote process. Learn more in our Lemonade review linked below.
To Learn More: Lemonade Pet Insurance Review
Get a Quote: Use this online tool to get a free quote from Lemonade.
 
 
Coverage: Spot offers two standard pet insurance plans to choose from with optional coverage for preventive care. The accident-only plan includes coverage for incidents like injuries, swallowed objects and toxic ingestions, whereas the accident and illness plan covers those accidents plus illnesses and other conditions, including cancer, hip dysplasia, diabetes and more. Like its competitors, it doesn’t cover preexisting conditions, issues related to pregnancy or breeding and elective procedures, but it does cover exam fees and microchip implantation for your dog or cat.
Add-Ons: Its preventive care add-ons come at two monthly price points and coverage levels for treatments like dental cleanings, wellness exams, and vaccinations. Gold includes total per-item limits of $250 per year for covered treatments, and Platinum includes $450 per year of total per-item limits.
Average Price: Average prices from quotes we received for various breeds in New York:
To Learn More: Spot Pet Insurance Review
Get a Quote: Enter your pet’s information into this online form for a free quote from Spot.
 
 
Coverage: Embrace provides an accident and illness pet insurance policy to pet owners for coverage on vet bills for treatments, procedures, exam fees and other costs related to conditions like cancer, dental trauma, chronic conditions, allergies, genetic conditions, broken bones and ligament tears. It doesn’t cover preexisting conditions, organ transplants, cosmetic procedures and issues related to breeding.
Add-Ons: Embrace also provides an optional Wellness Rewards Plan for an additional monthly cost that pays for 100% of the cost of routine care procedures, such as a wellness exam, vaccines, prescription diet foods, microchipping and more. It offers three annual coverage options of $250, $450 or $650 for costs between $18 and $52 per month.
Average Price: Average ranges of monthly premiums for various breeds of dogs and cats in New York:
To Learn More: Embrace Pet Insurance Review
Get a Quote: Fill out this online form for a free quote from Embrace.
 
 
Coverage: Although Fetch doesn’t offer any coverage options for wellness and routine care, it provides comprehensive coverage on accidents and illnesses that includes reimbursements for lost-pet advertising, vacation cancellation fees if you need to cancel your trip due to your pet’s treatment and boarding if you need someone to care for your animal while hospitalized for more than four days. It covers a breadth of treatments, procedures, exam fees, and other vet bills related to your pet’s accident or illness, including cancer treatment, prescription medications, holistic therapies, surgery, rehabilitation and up to $1,000 for behavioral treatments. It doesn’t cover preexisting conditions or cosmetic procedures, and it requires regular vet exams and dental checks for your pet to continue coverage.
Average Price: Average prices from quotes we received for various breeds in New York:
To Learn More: Fetch by The Dodo Pet Insurance Review
Get a Quote: Visit Fetch’s website to receive a free quote on your pet’s policy.
 
 
Coverage: Healthy Paws has one plan covering both accidents and illnesses and does not offer any optional wellness or preventive care. The company’s standard plan comes with unlimited coverage for diagnostic exams, prescription medications, surgeries and other expenses related to treating accidental injuries, diseases and chronic conditions. Unlimited coverage applies to each incident and means you won’t have an annual cap on reimbursements. However, there is a 60% coverage cap for dogs and cats 8 years of age and older.
Healthy Paws doesn’t cover preexisting conditions, nor will it reimburse you for hip dysplasia care for pets 6 years old or older, even if the issue was not diagnosed before the start of your plan.
In addition to processing claims and issuing reimbursements, Healthy Paws has a direct payment option. If you cannot pay a veterinary bill at the time of treatment, Healthy Paws will pay it for you, provided the vet agrees to the payment arrangement.
Average Price: The monthly premium range for various breeds of dogs and cats in New York are as follows:
To Learn More: Healthy Paws Review
Get a Quote: Find out how much it would cost for Healthy Paws to cover your pet by taking this quick online survey.
 
 
Coverage: ASPCA Pet Health Insurance is top pet insurance option in New York for pet parents looking for accident-only coverage or coverage on both accidents and illnesses through its Complete Coverage Plan, which includes dental disease, hereditary conditions, general illnesses, behavioral issues and more. It also pays for microchip implantation and exam fees related to your pet’s treatments. It doesn’t cover preexisting conditions, elective procedures and issues related to pregnancy and breeding.
Add-Ons: ASPCA Pet Health Insurance does offer two preventive care add-ons to help pay for your pet’s routine treatments, such as a dental cleaning, vaccines, a fecal test and a wellness exam. The Basic Plan comes with a total of $250 per year of per-item limits, and the Prime Plan comes with $450 per year.
Average Price: Here are some average prices from quotes we received for various breeds in New York:
To learn more: ASPCA Pet Health Insurance Review
Get a quote: Use this online tool for an instant quote from ASPCA Pet Health Insurance.
 
 
Coverage: You can purchase one of three plans from Prudent Pet for coverage on accidents only or both accidents and illnesses. The Accident-Only Plan covers up to $10,000 per year for accidents and injuries, such as bite wounds and broken bones. The Essential Plan covers up to $10,000 per year for your pet’s accidents and illnesses, including hereditary conditions, congenital conditions, cancer, digestive illness and more. The Ultimate Plan covers the accidents and illnesses in the Essential Plan but with unlimited annual coverage and a few extras, such as reimbursements for advertising and reward money when you lose your pet, vacation cancellation fees due to your pet’s covered condition, boarding fees if you’re in the hospital longer than four days and can’t care for your pet and mortality costs, such as cremation and burial expenses.
Add-Ons: Prudent Pet also offers three preventive care options for coverage on your dog or cat’s routine care, such as a wellness exam, vaccinations and deworming. The plans come with a total of $210, $315 or $460 of total annual coverage depending on how much you need.
Average Price: Average prices from quotes we received for various breeds in New York:
To Learn More: Prudent Pet Insurance Review
Get a Quote: Enter your pet’s details into this form for a free quote from Prudent Pet.
 
 
Pawp is an alternative to pet insurance and offers a monthly membership that includes unlimited access to a 24/7 digital clinic and a $3,000 emergency fund that pays for one emergency per year — all for a monthly rate of $24, regardless of your pet’s age, breed or location. The emergency fund can pay for severe injuries, swallowed objects, choking or anything considered a life-threatening emergency by a Pawp vet. Pawp doesn’t cover scheduled treatments, pregnancy, breeding or anything not deemed life-threatening by an official Pawp virtual vet. You must reach out to Pawp immediately after an incident before taking your pet to the vet to ensure the emergency qualifies for coverage.
To learn more: Pawp Pet Insurance Review
 
 
When we analyzed and compared New York pet insurance providers, we were most impressed with Lemonade for its overall coverage options and affordability. However, another top provider might make the most sense to you depending on your situation. If you’re looking for a comprehensive unlimited coverage plan, Healthy Paws may be a better option for you and your pet.
Since pricing can widely vary depending on your pet’s details and location, it’s important to get a few quotes from various providers to see which one offers the best deals and coverage for your specific animal.
 
 
Provider
Monthly Cost*
Waiting Periods
Multi-Pet Discount
Mobile App
Lemonade
$24.08
2 days for accidents; 14 days for illnesses
5%
✔
Spot
$52.48
14 days for all conditions
10%
✔
Embrace
$40.29
2 days for accidents; 14 days for illnesses
10%
✔
Fetch
$46.52
15 days for accidents and illnesses
None
✔
Healthy Paws
$43.79
15 days
15 days
None
✔
ASPCA
$62.98
14 days for all conditions
10%
✔
Prudent
$45.12
5 days for accidents; 14 days for illnesses
10%
✘
Pawp
$24
14 days for all conditions
None
✘
*Each provider’s monthly cost is based on accident and illness policy premiums from quotes we received for 4-year-old medium-sized mixed dogs in Albany, N.Y.
 
Pet insurance coverage comes in two primary types to meet the needs of pet owners: accident-only coverage and accident and illness coverage. Many providers offer preventive care coverage as an endorsement or add-on. Here are more details about each plan type:
 
 
Before landing on the best pet insurance provider for you and your pet, consider the following factors:
 
 
Yes, pet insurance can be worth the monthly premiums to avoid paying for unexpected vet bills. It can be valuable for New York residents who don’t want those expensive vet bills to impact their credit card expenses or savings account and want peace of mind that they’ll have a way to pay for their pet’s necessary treatments during an emergency.
No, pet insurance never covers preexisting conditions that arise before the end of the dedicated waiting period for accidents and illnesses. In other words, you can’t claim your pet’s recent broken bone on your policy if its coverage start date is after the incident occurs.
Yes, you can typically make a claim on vet bills from any licensed veterinarian in the U.S., since pet insurance providers don’t have specified networks of vets.
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted:
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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