Best pet insurance companies in New York

Do you own a pet? If so, you've likely been faced with expensive veterinary bills. That's true whether you needed to see a vet for regular checkups or if your pet has faced more pressing health matters. It's easy to spend hundreds, or even thousands, of dollars on a vet visit, depending on why you needed to visit the vet in the first place. And, since some of those needs are unplanned, they can be difficult to budget for. 

The good news is that there's a way to mitigate your risk of difficult-to-afford vet bills. That risk mitigation option is known as pet insurance. This type of insurance is similar to your health insurance, but it addresses the financial burden associated with your pet's health needs. Depending on the policy you choose, your pet insurance may pay for part of, or your entire, vet bill for covered events (typically via reimbursement, but sometimes paid directly to the vet). And, in some cases, that even includes regular vet visits for things like dental work and preventative care. 

But, different pet insurance policies will offer different levels of value. So, it's important to compare your options to find the best pet insurance policy for your needs. Below, we'll talk about the best pet insurance companies in New York that address differing needs.

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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.