Best Pet Insurance Companies in New York for 2025
New York pet owners can now make informed decisions about their pet insurance with our comprehensive analysis of the top providers in the state. Our research highlights Pets Best, ManyPets, and Embrace as the leading pet insurance companies in New York.
Top Pet Insurance Companies in New York
- Pets Best: With a 5.0 rating, Pets Best offers excellent average rates and solid basic coverage. It can pay the vet directly if the vet agrees. The average monthly cost for dogs is $42, and for cats is $25.
- ManyPets: ManyPets has a 4.0 rating and offers good basic coverage with no special waiting period for certain conditions. The average monthly cost for dogs is $25, and for cats is $15.
- Embrace: Embrace also has a 4.0 rating and is known for its wide range of coverage, including behavioral therapy and alternative treatments. The average monthly cost for dogs is $100, and for cats is $47.
Cost of Pet Insurance in New York
The average cost of pet insurance in New York is $56 per month for dogs and $30 per month for cats, based on a policy with $5,000 annual coverage, a $250 deductible, and 80% reimbursement level. For unlimited annual coverage, the average cost is $85 per month for dogs and $43 per month for cats.
Factors to Consider When Choosing Pet Insurance
When selecting a pet insurance provider, consider the following factors:
- 24/7 Vet Helpline: Look for insurers that offer a 24/7 helpline for pet health-related questions.
- Direct Vet Payments: Some insurers, like Pets Best, can pay vets directly, minimizing out-of-pocket costs.
- Multi-Pet Discount: If you have multiple pets, look for insurers that offer multi-pet discounts.
- Wellness Plans: Consider insurers that offer optional wellness plans for preventive care.
- Waiting Periods: Be aware of the waiting periods for coverage, especially for specific conditions like hip dysplasia.
- Vet Exam Fees: Check if the insurer covers vet exam fees for illness and accident-related visits.
By considering these factors and choosing the right pet insurance provider, New York pet owners can ensure their pets receive the best possible care without breaking the bank.
Methodology
Our analysis was based on the following criteria:
- Pet insurance rates (40% of score)
- Special waiting periods (10% of score)
- Direct payment to vet (10% of score)
- 24/7 vet health line (10% of score)
- Routine wellness plans (10% of score)
- Pays veterinary exam fees (10% of score)
- Euthanasia or end-of-life expenses (5% of score)
- Multi-pet discount (5% of score)
New York Pet Insurance FAQs
Is Pet Insurance More Expensive in New York?
New York has relatively cheaper average pet insurance compared to states like Connecticut, Massachusetts, and Maryland. However, pet owners in Arizona, California, and Florida pay less.
What is the Cheapest Pet Insurance in New York?
ManyPets offers the lowest average insurance price for dogs in New York, at $25 per month for unlimited coverage. For cats, ManyPets also offers competitive pricing at $15 per month for unlimited coverage.
Is Pet Insurance Worth It in New York?
Pet insurance can be worth it if you consider how a large vet bill could cause financial strain. For example, if you pay $50 per month for pet insurance for three years, you’ve paid $1,800 in premiums. If your dog then requires $3,500 in treatment, your out-of-pocket cost with a $250 deductible and 80% reimbursement would be $900. This means you’ve paid a total of $2,700 but saved $800 by having insurance.
By understanding the costs and benefits of pet insurance, New York pet owners can make informed decisions about their pet’s health care.
