Best Pet Insurance in New York
If you’re a pet owner in New York, you’re not alone in wanting to ensure your furry friend receives the best possible care without breaking the bank. With over a dozen pet insurance providers operating in the Empire State, choosing the right one can be daunting. NerdWallet has sifted through the options to help you find the best pet insurance in New York.
Top Pet Insurance Picks
- Best Overall: MetLife – Offers customizable plans with unlimited annual max coverage and reimbursement rates from 50% to 90%. Notably, MetLife has no age restrictions for enrollment and covers holistic and alternative care.
- Best Budget Pick for Dogs: Pets Best – Provides affordable plans with unlimited annual coverage and the option to pay your vet directly. Pets Best also offers a 24-hour emergency pet helpline.
- Best Budget Pick for Cats: Figo – Offers extensive coverage with reimbursement rates up to 100% and a user-friendly mobile app. Figo’s plans cover dental illnesses, holistic treatments, and hereditary conditions.
- Best for Comprehensive Coverage: ASPCA – Offers generous coverage, including alternative therapies, behavioral issues, and congenital conditions, with a shorter waiting period for cruciate injuries.
Understanding Pet Insurance Rates in New York
Rates vary based on your pet’s age, breed, and location. For a 2-year-old mixed-breed dog in New York City, sample monthly rates range from $39 to $58. For an 8-year-old dog, rates range from $84 to $109. For cats, rates are generally lower, with sample monthly rates for a 2-year-old domestic shorthair ranging from $18 to $30, and for an 8-year-old cat, from $34 to $53.
Factors to Consider
When choosing pet insurance, consider factors such as coverage limits, reimbursement rates, deductibles, and any exclusions or waiting periods. It’s also essential to evaluate the insurer’s financial strength and customer service.
Why You Can Trust NerdWallet
NerdWallet’s ratings are based on a comprehensive evaluation of pet insurance providers, considering factors such as financial strength, coverage options, and customer experience. Our editorial guidelines ensure fairness and accuracy in our coverage.
Learn More
For more information on pet insurance and to compare rates, visit NerdWallet’s pet insurance resource page. You can also explore other insurance guides, including best car insurance in New York, cheapest car insurance in New York, and best homeowners insurance in New York.
