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9 Best Pet Insurance Companies in New York City (2021)

Living in New York City can come with a handful of dangers for your pet. Read our in-depth review to learn which pet insurance company offers the best policies to keep your pet healthy and protected.

A light brown dog with curly hair and blue leash sits with a fountain behind him in New York City. Adobe

A pet health insurance policy helps you enjoy those dog walks past the Empire State Building or cuddling with your cat in your Manhattan apartment without worrying about potential accidents or illnesses that may occur.

The This Old House Reviews team reviewed the nine best pet insurance companies and compared each provider’s coverage plans, pricing, and benefits. Keep reading to determine which top-rated provider is right for you and your pet.

The quotes included in this article are for various cat and dog breeds located in New York City (10019 ZIP code) to give you an idea of what pricing might look like in your area. We ultimately recommend getting custom quotes from each company to compare premiums based on your exact location in the city as well as your pet’s specific species, breed, and age.


New York City’s Top 9 Pet Insurance Providers


Lemonade

The top provider in our review is Lemonade, scoring a 96 out of 100 for offering a variety of annual coverage limit options.

Some highlights include:

  • Comprehensive & affordable wellness add-on
  • Extended coverage option
  • Mobile app enables fast claims process

Lemonade primarily lost points for its C rating from the Better Business Bureau (BBB) for excessive complaints filed against it. However, many of these complaints reference experiences with the insurer’s renters insurance and homeowners insurance products.

Get a quote from Lemonade by clicking through this easy online quote tool and receive your estimated premiums within seconds.

Pros and Cons of Lemonade Pet Insurance

✔ Has a discount for paying annually
✔ Offers a discount for bundling your pet insurance policy with your Lemonade homeowners insurance policy
✔ Has a short two-day waiting period for accidents

✘ Doesn’t cover chronic conditions
✘ Doesn’t cover behavioral treatments

Lemonade Plans and Coverage

Lemonade’s Accident and Illness Plan covers diagnostics, medications, procedures, hospitalizations, and vet visits related to injuries, broken bones, sprains, cancer, diabetes, heart disease, or other illnesses. It doesn’t cover pre-existing conditions, cosmetic procedures, or any behavioral treatments.

Lemonade also offers a Preventative and Wellness Package add-on for routine care that includes wellness exams, tests, vaccinations, blood work, and access to an online medical advice chat. This coverage doesn’t have a deductible and has a set reimbursement rate based on the one you choose for your policy.

The add-on for vet visit fees costs less than $10 extra per month and covers extra vet visits and exam fees. Whereas, the add-on for physical therapy treatments, such as acupuncture and chiropractic care typically cost under $5 per month.

Learn More: Lemonade Pet Insurance Review


Healthy Paws

Healthy Paws scored a 93.5 out of 100 for its affordable unlimited coverage. The provider won’t cut off services for your pet’s accidents or illnesses regardless of how many claims you file or how much money you receive in payouts.

Some highlights include:

  • No annual, lifetime, or per-incident caps
  • More affordable than both Prudent Pet & Spot

To get a free quote from Healthy Paws, fill out this easy online form with your precise location in New York City and your pet’s information.

Pros and Cons of Healthy Paws Pet Insurance

✔ Has an easy online quote and sign-up tool
✔ Covers hereditary, chronic, and congenital conditions
✔ Supports homeless animals with each filled-out quote

✘ Doesn’t offer wellness or preventative care coverage
✘ Its plans have limited customizability

Healthy Paws Plans and Coverage

Healthy Paws sells only one pet insurance plan with unlimited coverage on accidents and illnesses, including cancer, injuries, hereditary conditions, chronic conditions, and congenital conditions. The covered procedures and vet visits in this plan include X-rays, blood tests, ultrasounds, hospitalization, surgery, emergency care, specialty care, and alternative treatments.

Healthy Paws excludes pre-existing conditions that occur before your policy enrollment or during the 15-day waiting period. It also excludes spay or neuter surgeries, preventative care, office visit fees, and extra exam fees.

Learn More: Healthy Paws Pet Insurance Review


Embrace

We gave Embrace a rating of 93.5 out of 100 for its deductibles, plan options, and customer service features, although it lost points for its low coverage limit choices and high plan prices.

Some highlights include:

  • Five deductible options for premiums
  • “Healthy Pet Deductible” credits $50 toward your annual deductible each year you don’t file a claim

Learn more about the Healthy Pet Deductible benefit that’s included with every policy and compare prices with other top insurers in the pet insurance industry by getting a quote online.

Pros and Cons of Embrace Pet Insurance

✔ Offers a 10% multi-pet discount
✔ Has an easy claims process with the MyEmbrace customer portal and mobile app
✔ Covers pets that are between zero and eight weeks old

✘ Its wellness coverage options are more expensive than competitors’ options
✘ Doesn’t offer annual limit options over $30,000

Embrace Plans and Coverage

Embrace’s Accident and Illness Plan covers vet bills due to allergy testing, alternative therapies, acupuncture, CT scans, MRIs, X-rays, ultrasounds, emergency care, specialist care, hospitalization, lab tests, biopsies, and physical therapy when related to eligible accidents and illnesses, such as congenital and chronic conditions, dental trauma, and cancer. It doesn’t cover pre-existing conditions noticed by you or a vet before the end of the two-day waiting period for accidents and a 14-day waiting period for illnesses.

Embrace also offers a Wellness Rewards for Routine Care Plan that covers a 100% reimbursement up to your choice of $250, $450, or $650 per year for eligible preventative and wellness procedures, vet visits, or vaccinations, including annual exams, microchipping, and blood tests.

Learn More: Embrace Pet Insurance Review


Prudent Pet

We gave Prudent Pet a 95 out of 100 for its impressive Ultimate Plan.

Some highlights include:

  • Unlimited annual coverage cap
  • Extensive coverage for vet bills
  • Extra coverage for things like behavioral disorders, lost pet advertising, & boarding fees

Fill out this quick form with your ZIP code and pet’s specific details to get a quote for a Prudent Pet plan.

Pros and Cons of Prudent Pet Insurance

✔ Offers a 30-day money-back guarantee
✔ Provides a 24/7 vet chat
✔ Has a cheap Accident-Only Plan

✘ Doesn’t allow customization for annual coverage limits
✘ Some plan prices are higher than the competition

Prudent Pet Plans and Coverage

Both Prudent Pet’s Essential and Ultimate plans cover accidents and illnesses, such as broken bones, bite wounds, dental diseases, cancer treatments, digestive illnesses, hip dysplasia, and more, although the latter has an unlimited coverage cap and covers pet advertising and vacation cancellations due to a sick pet. This insurer also offers a cheap Accident-Only Plan, which has a $10,000 annual limit for minimal coverage on accidents, such as bite wounds, injuries, swallowed objects, and associated procedures.

Additionally, Prudent Pet sells three wellness coverage options for flat rates of $7.95, $13.95, and $19.95 extra per month with specific limits for covered items. It also provides an add-on to help cover veterinary exam fees associated with eligible accidents or illnesses.


Pawp

Since Pawp operates a bit differently than other pet insurance providers, we gave it a 90 out of 100.

Some highlights include:

  • Unlimited access to virtual vets through chat & video calls
  • Gives members a $3,000 emergency fund to cover one urgent visit per year

Sign up for a Pawp membership for a flat rate of $24 per month by visiting the company’s website and filling out a quick form with your pet’s information and location.

Pros and Cons of Pawp Pet Insurance

✔ Recommends local vets and procedures based on your pet’s needs
✔ Covers up to six pets with one membership
✔ Features a helpful mobile app for monitoring your pet’s health

✘ Covers only one emergency claim per year
✘ Doesn’t offer wellness or routine care coverage
✘ Doesn’t cover pregnancy-related issues

Pawp Plans and Coverage

A membership with Pawp includes a fund of $3,000 for one eligible vet bill per year. To access these funds, an official Pawp representative must verify the incident as a qualifying emergency. Once Pawp has verified your pet’s emergency, it pays the vet bill directly at the office rather than reimbursing you for it. This fund can pay for any qualified emergency, as long as your pet’s symptoms didn’t show up before the policy’s effective start date or during the 14-day waiting period.

Pawp Monthly Pricing

Since Pawp doesn’t customize policies based on pet species, breed, or location, the price of a membership is a flat rate of $24 per month.


Petplan

Petplan stands out for its coverage of holistic therapies, including homeotherapy, stem cell therapy, acupuncture, chiropractic care, and more, scoring a 91.5 out of 100 in our review.

Some highlights include:

  • Unlimited annual coverage option
  • Mobile app for policy management and claims

Get a free quote from Petplan by visiting the company’s website.

Pros and Cons of Petplan Pet Insurance

✔ Includes coverage for behavioral therapies up to $1,000
✔ Covers exam fees and sick visit fees with a standard policy
✔ Reimburses pet owners for boarding fees if they’re ever hospitalized for more than four days

✘ Doesn’t offer a multi-pet discount
✘ Requires records from annual medical exams and wellness checkups for your pet to be eligible for coverage
✘ Doesn’t offer a preventative care add-on option

Petplan Plans and Coverage

Petplan offers an accident and illness plan with annual coverage limits of $5,000, $15,000, or unlimited, depending on your pet’s needs. It pays for treatments, procedures, vet visits, and other costs related to conditions like cancer, broken bones, toxic ingestions, general illnesses, hereditary conditions, chronic conditions, and hip dysplasia. It doesn’t cover any pre-existing conditions that show signs before or during the 15-day coverage waiting period.

Petplan also reimburses you for a few extras, such as boarding fees if you’re hospitalized for more than four days, vacation cancellation fees related to your pet’s necessary treatments, and up to $1,000 in advertising and reward money if your dog or cat gets lost.


ASPCA Pet Health Insurance

If you just got your first pet, ASPCA Pet Health Insurance, which scored an 89 out of 100 in our review, is an ideal provider to purchase a policy from. It offers a local vet finder on its website and a mobile app in addition to resources about various pet breeds and common health issues associated with them.

Some highlights include:

  • Microchipping included in standard policies
  • Five annual coverage limit options for customizable pricing
  • Short waiting period of 14 days for hip dysplasia

Enter your New York ZIP code and pet’s information into this easy online form to get an instant quote from ASPCA Pet Health Insurance.

Pros and Cons of ASPCA Pet Health Insurance

✔ Offers a preventative care plan at two coverage levels and prices
✔ Includes coverage for exam fees in its standard policies
✔ Doesn’t require medical records for coverage

✘ Doesn’t offer annual coverage limits beyond $10,000
✘ Doesn’t offer an online chat for customer service

ASPCA Pet Health Insurance Plans and Coverage

ASPCA Pet Health Insurance’s Accident-Only Plan covers treatments and procedures related to new injuries and emergencies from accidents, such as broken bones, bite wounds, and cuts. The Complete Coverage Plan covers those accidents in addition to illnesses and other conditions, including congenital conditions, hereditary conditions, chronic conditions, diabetes, hyperthyroidism, and cancer.

Both plans exclude pre-existing conditions that occur before and during the 14-day waiting period. For preventative care, you can purchase the Basic Plan for $9.95 per month, which covers a total of $250 per year for items like wellness exams, deworming, and dental cleanings. Alternatively, you can add the Prime Plan for $24.95 per month for $450 of annual coverage.

Learn More: ASPCA Pet Insurance Review


Spot

Impressed with its customizability, we gave Spot a 91 out of 100, awarding points for plan options and coverage but deducting points for its long accident waiting period and limited customer service availability.

Some highlights include:

  • Six coverage limit options, ranging from $2,500 to unlimited
  • Three reimbursement rates
  • Five annual deductible choices

Customize your Spot pet insurance policy today by filling out this easy online quote tool.

Pros and Cons of Spot Pet Insurance

✔ Doesn’t have a maximum age requirement for coverage
✔ Offers educational resources on its website
✔ Covers behavioral issues

✘ Has a 14-day waiting period for accidents
✘ Doesn’t cover animals under eight weeks old

Spot Plans and Coverage

Spot’s Accident-Only Plan covers procedures and vet visits related to swallowed objects, toxic ingestions, or injuries. Its comprehensive Accident and Illness Plan includes those procedures, plus illnesses and conditions such as behavioral issues, dental disease, cancer, hip dysplasia, heart disease, respiratory infection, and diabetes.

During checkout for your chosen policy, you can add one of two preventative care options. The Gold Preventative Care Plan costs $9.95 per month and covers routine care, such as wellness exams and fecal tests, and the Platinum Preventative Care Plan costs $24.95 per month and includes higher per-procedure limits and coverage for items such as spay or neuter surgery and flea prevention.

Learn More: Spot Pet Insurance Review


Pumpkin

We gave Pumpkin a score of 86 out of 100, primarily deducting points for its high prices and low coverage caps. We awarded points for its extensive list of covered procedures and impressive dental coverage. We recommend this provider to pet owners who are particularly worried about unexpected dental diseases in their pets.

Some highlights include:

  • Dental coverage includes extractions, gum diseases, & necessary teeth cleanings
  • Good customer service ratings

To get a quote from Pumpkin for your dog or cat and compare prices with other providers, click through Pumpkin’s user-friendly site.

Pros and Cons of Pumpkin Pet Insurance

✔ Offers a 10% discount for each additional pet on your policy
✔ Covers pets up to 25 years old
✔ Has a live chat available for customer service

✘ Doesn’t offer customer service on the weekends
✘ Offers only one coverage plan

Pumpkin Plans and Coverage

Pumpkin’s Pet Health Insurance Plan covers a range of procedures, vet visits, and medications for both accidents and illnesses, including skin conditions, eye conditions, diabetes, cancer, broken bones, toxic ingestions, bite wounds, respiratory infections, UTIs, kidney disease, dental illness, and more. Covered treatments can include radiology, diagnostics, alternative therapies, and surgery. A Pumpkin plan also includes microchipping, exam visit fees, and prescription diet foods.

Pumpkin’s Preventative Essentials Pack add-on includes basic wellness coverage and covers an annual exam, vaccinations, and a fecal test for worms or parasites. Neither plan covers pre-existing conditions that arise before the policy enrollment date or during the 14-day waiting period for both accidents and illnesses.

Learn More: Pumpkin Pet Insurance Review


Frequently Asked Questions

What isn’t covered by pet insurance in NYC?

Pet insurance doesn’t cover pre-existing conditions that manifest before the policy’s effective start date or during the waiting period. For example, if your pet breaks a bone during enrollment, any vet bills related to it won’t be covered. However, many companies cover hereditary or genetic conditions, such as allergies or hip dysplasia, as long as your pet’s symptoms manifest after the waiting period and policy start date.

Is pet insurance in New York City worth the money?

Although prices for pet insurance in New York City are higher than in other areas across the United States, purchasing a policy is the best way to save on excessive spending in the event of an accident or illness. Vet bills can cost thousands of dollars for simple procedures, so we recommend purchasing pet insurance to ensure your pet gets the treatment it needs in a timely manner.

Who has the cheapest pet insurance in NYC?

Some of the cheapest pet insurance providers in New York City are Pawp and Spot. However, the total cost of a policy will depend on the ZIP code, age, and breed of your cat or dog, as well as your chosen coverage limits.


Our Conclusion

A New York pet insurance policy can protect your pet and give you peace of mind that you won’t have to pay excessive vet bills out of pocket. Of the pet insurance providers listed in this review, we recommend Lemonade for the best overall policies on the market and Prudent Pet for the most comprehensive plan.

Our recommendation to all pet owners in New York City is to get a few quotes from top-rated pet insurance companies to compare pricing and offerings based on your pet’s specific details and your ZIP code.

Compare New York City’s Best Pet Insurance Companies

Provider Our Rating Sample Monthly Pricing
Provider Our Rating Sample Monthly Pricing
Lemonade 96 $38.00
Prudent Pet 95 $64.07
Healthy Paws 93.5 $64.25
Embrace 93.5 $51.46
Petplan 91.5 $43.74
Spot 91 $44.94
Pawp 90 $24.00
ASPCA 89 $48.13
Pumpkin 86 $73.55

*Based on sample quotes for a mixed four-year-old dog in New York City (10019 ZIP code)

**Based on scores pulled from each company’s BBB profile as of April 26, 2021


How Much Is Pet Insurance in New York City?

As with most things for sale in New York City, pet insurance prices are slightly higher compared with averages in other cities and states. Based on the quotes we received, standard accident and illness policies for dogs typically fall between $30 and $65 per month, while pet insurance premiums for cats are a bit lower at $20–$40 per month.

Here are a few factors that affect the price of your pet insurance premium:

  • Location: Not only does the city and state you live in affect your premium, but prices can vary based on your ZIP code. We suggest getting quotes from a few providers to determine which company is the most affordable in your area.
  • Breed: Your pet’s breed is a big factor in establishing how much you’ll pay for your premium. For example, a purebred dog such as a golden retriever may be more prone to illnesses or diseases, so the monthly cost of your plan will be higher. For pet owners with animals that need affordable care, we recommend choosing Pawp, which offers a flat rate for every plan.
  • Age: Older pets typically cost more to insure since they’re more likely to have issues with diseases and illness. If you get your pet insured at an early age, you can keep the cost of your policy relatively low.
  • Customization: You can lower your monthly premium by choosing lower annual coverage limits, decreased reimbursement rates, and higher deductibles. However, keep in mind that these choices could result in more money out of pocket in the event of an expensive accident or illness.
  • Discounts: Looking out for discounts is the best way to get the cheapest pet insurance possible. Companies like Embrace and Pumpkin offer discounts for adding multiple pets to your policy. Lemonade offers a unique 10% discount for policyholders who bundle their pet insurance with a homeowners insurance policy.

Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.