Your pet is a beloved member of your family. Just as you care for a child or spouse, you want to know that in the event of an emergency you can access affordable quality health care for your pet.
Pet insurance helps you do just that by keeping the cost of care low and ensuring that pet owners have access to care in the event of accidents or illness.
Thankfully, New York City has plenty of pet insurance options available, and further on we’ll discuss the coverage, cost, and claims process from providers that offer the best pet insurance in New York City.
As pet insurance becomes more commonplace across the country and more pet owners invest in policies, rates continue to rise.
This makes it doubly important to do comparison shopping for a policy that offers ample coverage at an affordable price.
When looking at quotes from different providers, keep in mind that rates are determined based on several elements, like the age, breed, and health of your pet, as well as the cost of veterinary care in your geographic location, and whether it’s an indoor or outdoor pet.
In the state of New York, pet insurance is about average as compared to the rest of the country.
New York City, however, may be slightly higher due to its higher cost of living and larger population, the latter of which makes accidents likelier should an indoor pet escape.
We’ve evaluated more than 30 pet insurance providers and determined which offer the best pet insurance in New York City based on each one’s coverage options, price, claims processing, and customer satisfaction.
Following, we outline what we’ve learned about the five best companies in New York.
5 Best Pet Insurance Companies in New York
Petplan Pet Insurance
|Monthly Costs||Starts at $29.16 for dogs and $18.19 for cats|
|Coverage||70 percent to 90 percent reimbursement after deductible|
|Payout Limits||$2,500 to unlimited depending on the plan|
|Deductible||Ranges from $2500 to $1,000 annually depending on the plan|
Petplan provides quality pet care, along with excellent customer service.
Policies are available for cats and dogs aged six weeks and older, with some of the most comprehensive coverage in the industry.
Petplan is one of the only insurance providers to have hereditary conditions in its coverage inclusions, and it offers customers 24/7 access to customer service and a pet health advisory line.
Minimum monthly premiums are well below national average monthly rates.
The company has an A+ rating from the Better Business Bureau and has 18 closed complaints in the last 12 months, slightly higher than Hartville and Petfirst.
Healthy Paws Pet Insurance
|Monthly Costs||Starts at $32.83 for dogs and $17.19 for cats|
|Coverage||70 percent to 90 percent reimbursement after deductible depending on the plan|
|Deductible||Ranges from $100 to $500 annually depending on the plan|
Cats and dogs aged eight weeks through 14 years are eligible for coverage under the Healthy Paws insurance plan.
The company keeps pet insurance affordable by allowing its customers to customize their reimbursement rates and deductibles.
It offers a fast and straightforward claims process, a feature frequently mentioned in its positive customer reviews.
Minimum monthly premiums from Healthy Paws are below national average rates.
The company has a rating of A+ from the BBB, and all 27 complaints have been addressed in the last year.
Embrace Pet Insurance
|Monthly Costs||Starts at $13.04 for dogs and $8.98 for cats|
|Coverage||Ranges from 65 percent to 90 percent after deductible depending on the plan|
|Payout Limits||Coverage caps range between $500 and $15,000 annually depending on the plan|
|Deductible||Ranges from $100 and $1,000 annually depending on the plan|
Embrace keeps its rates far below average and offers customers the chance to fully customize their rates and coverage with their choice of add-ons, deductibles, and reimbursement rates.
Policies are available to dogs and cats aged six weeks to 14 years.
Embrace is one of the few insurance providers in the country to offer direct billing, which in many cases eliminates the need for filing claims.
Embrace has an A+ rating from the BBB, and the number of complaints against it is far below average.
Hartville Pet Insurance
|Monthly Costs||Starts at $9.28 for dogs and $9.83 for cats|
|Coverage||70 percent, 80 percent, or 90 percent, depending on the plan|
|Payout Limits||Ranges from $2,500 to unlimited, depending on the plan|
|Deductible||$100, $250, or $500, depending on the plan|
Hartville’s insurance policies for cats and dogs are some of the least expensive available, with customizable deductibles, coverage caps, and reimbursement rates, making it easy for customers to create a policy that works with their budget.
Dogs are eligible for coverage from eight weeks to 12 years old, and cats are eligible from eight weeks to 14 years old.
The company has a convenient online portal for customers to submit their claims, which according to customer reviews, are paid out quickly and reliably.
Hartville pet insurance is administered by Crum + Forster, which has an A+ rating from the BBB with only four closed complaints in the last 12 months.
Petfirst Pet Insurance
|Monthly Costs||Starts at $16.95 for dogs and $8.95 for cats|
|Coverage||Ranges from 70 percent to 90 percent depending on the plan|
|Payout Limits||$5,000, $10,000 or $20,000 annually depending on plan|
|Deductible||Ranges from $50 to $500 per incident|
Petfirst offers a variety of insurance policies for both cats and dogs aged eight weeks and older.
Minimum premiums are below national averages, and claims are paid out within two weeks of filing.
Petfirst is one of the only insurance providers to offer a plan that’s specifically designed to meet the needs of senior dogs.
Petfirst has an A+ rating from the BBB with very few complaints lodged against it (7 closed in the last 12 months).
Using the information in this blog, you can easily explore the different pet insurance options available in the area and find the best pet insurance in New York City for your pet.*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.