Best pet insurance companies in New York

Caring for a pet can be a rewarding experience, but it often comes with significant financial responsibilities, particularly when it comes to veterinary care. Whether you're visiting the vet for routine check-ups or addressing urgent health concerns, the costs can quickly add up. Many pet owners find themselves facing bills that range from hundreds to thousands of dollars, which can be especially challenging when unexpected health issues arise.

Fortunately, there's a solution designed to help pet owners manage these potential expenses: pet insurance. This financial product functions similarly to human health insurance but is tailored specifically for your furry, feathered, or scaled companions. Pet insurance policies can help alleviate the financial strain associated with your pet's healthcare needs.

Depending on the plan you select, pet insurance may cover a portion or even the entirety of your veterinary bills for eligible services. While most policies operate on a reimbursement model, some providers offer direct payment to veterinarians. Coverage can vary widely between plans, with some including routine care such as dental work and preventative treatments, while others focus primarily on unexpected illnesses and injuries.

It's crucial to note, though, that not all pet insurance policies are created equal. The level of coverage, reimbursement rates and overall value can differ significantly between providers and plans. To ensure that you find the best pet insurance policy, it's essential to compare various options available in your area. 

For pet owners in New York, there are numerous insurance providers offering a range of plans to suit different needs and preferences. Below, we'll explore some of the best pet insurance companies in New York, highlighting their unique features and helping you find the best fit for your furry friend.

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Best pet insurance companies in New York

Here are the best pet insurance companies in New York right now:

• Best for comprehensive coverage: Embrace
• Best for cost: AKC
• Best for flexibility: Spot
• Best for dogs: Pumpkin
• Best for cats: Figo
• Best for quick reimbursements: Lemonade
• Best for direct vet payments: Pets Best

Best for comprehensive coverage: Embrace

For the most coverage options, consider Embrace Pet Insurance. The company offers coverage for accidents, illnesses, chronic conditions, rehabilitative services, behavioral therapy and more. There are also preventative care and dental plans, too, making it a great pick for New Yorkers who need a variety of options to choose from.

Learn more about Embrace Pet Insurance here now.

Best for cost: AKC

If affordability is your main concern, look to AKC Pet Insurance. For a 5-year-old, mixed-breed dog from New York, a $10,000-limit plan with $250 deductible costs just $79.32 per month (as of April 26, 2024) — well below the premiums of many insurers on this list. The company also offers 24/7 veterinarian support, pre-existing condition coverage and customizable policies.

Check pet insurance costs with AKC pet insurance here today.

Best for flexibility: Spot

Spot pet insurance is a good choice if you're looking to customize your coverage. You can choose between two plans, seven annual limits, three reimbursement rates and five annual deductibles. The company also has no age caps, so even older pets can find coverage.

Learn more about Spot pet insurance here.

Best for dogs: Pumpkin

If your furry friend is of the canine sort, Pumpkin is a good insurance company to explore. Not only does the company offer accident, illness and wellness care coverage for dogs, but there's even a preventative plan designed just for puppies. It covers things like vaccines, exams and parasite screening tests.

Check your dog insurance options with Pumpkin today.

Best for cats: Figo

Figo is a smart option for cat owners in New York. The brand offers accident, illness and wellness coverage, and plans go up to a 100% reimbursement rate. You can also customize coverage to get exactly the deductible and limits you want, and you get access to a 24/7 veterinary line, too. 

Explore your pet insurance options with Figo here.

Best for quick reimbursements: Lemonade

If you're looking to get paid back quickly, Lemonade is your best bet. The company takes an AI-powered approach to claims processing, so reimbursements are processed fast and deposited right into your bank account. Lemonade also offers a wide variety of coverage options, including a preventative package. 

Learn more about insuring your pet with Lemonade now.

Best for direct vet payments: Pets Best

If you're looking for an insurer that can pay your vet directly (rather than having to foot the initial bill yourself and then get reimbursed), look to Pets Best. The company offers an easy claims process, low premiums and even has a 24/7 emergency vet health line you can use when you're in a pinch.

Get started with Pets Best here now.

It's smart to shop around

Premiums on pet insurance policies can vary widely, so it's always smart to shop around and compare options even amongst the insurance companies on this list. You can also compare insurers on discounts, as many will offer multi-pet, senior, and military discounts that can reduce your premiums considerably.