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Best pet insurance companies in New York

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There are numerous valuable pet insurance companies to choose from in New York. Getty Images

Caring for a pet is a joyful and fulfilling experience, but it also comes with financial responsibilities — especially when it comes to veterinary care. From routine check-ups to emergency treatments, the cost of keeping your pet healthy can add up quickly. For many pet owners, unexpected vet bills ranging from hundreds to thousands of dollars can create significant financial stress. Pet insurance offers a practical solution to manage these expenses. Designed specifically for animals, pet insurance works similarly to human health insurance, providing financial support to help cover veterinary costs. 

With various plans available, pet insurance can help cover a portion — or sometimes the entirety — of eligible veterinary costs. While most policies operate on a reimbursement model, some providers may pay veterinarians directly. Coverage options vary widely, from plans that include preventive care, such as dental cleanings and vaccinations, to those that focus on accidents and unexpected illnesses. However, not all pet insurance policies are created equal. Factors like coverage limits, reimbursement rates, and exclusions can differ significantly between providers. That's why it's essential to carefully compare plans to find one that best meets your pet's needs and your budget.

If you're a pet owner in New York, you'll find a variety of insurance providers offering plans tailored to different preferences and requirements. In the sections below, we'll highlight some of the best pet insurance companies in New York, outlining their features to help you choose the best option for your beloved companion.

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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

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 about $80 per month (as of January 22, 2025) — 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. 

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