Best Pet Insurance in New York City (2024 Reviews)

The top provider in our review is Lemonade, scoring 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 low 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.

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 more 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

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

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

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

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 preexisting conditions that occur before and during the 14-day waiting period. For preventive 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

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

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

Learn More: Embrace Pet Insurance Review

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

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

Learn More: Healthy Paws Pet Insurance Review

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

Some highlights include:

• • Has an unlimited annual coverage option

• Provides a mobile app for policy management and claims

Fetch 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, and hip dysplasia.

It doesn’t cover any preexisting conditions that show signs before or during the 15-day coverage waiting period.

Fetch 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.

Learn More: Fetch Pet Insurance Review

Figo stands out for its optional coverage and benefits. The company, which scored a 93 out of 100, provides reimbursement for advertising if your pet is lost or stolen.

Figo will even compensate you up to $150 if you pay out a reward for the safe return of your furry family member. Figo will also pay up to $250 toward cremation expenses in the unfortunate event that your cat or dog passes away during the life of your policy.

Beyond those add-ons, Figo offers third-party liability coverage of up to $10,000 as another means of curbing the cost of any potential issues with your pet. Third-party liability coverage essentially protects you from any lawsuits filed due to damage your pet caused to someone else’s property.

Some highlights include:

• Offers the option of 100% reimbursement
• Does not deny or limit coverage for older pets
• Provides customer service through text

Figo offers three plans that cover costs related to the diagnosis and treatment of accidents and illnesses, including tests, surgeries, and prescription medications. The Essential Plan comes with a $5,000 annual reimbursement cap, while the Preferred Plan has a $10,000 limit. The Ultimate Plan has no annual limit.

While most pet insurance companies have three deductible options, Figo offers four, with a 70%, 80%, 90%, or 100% rate.

Like most pet insurance companies, Figo does not cover preexisting conditions or cosmetic surgeries like tail docking or ear cropping. The company also excludes procedures related to breeding and pregnancy.

Routine and preventive care are available through Figo’s Wellness Basic Plan and Wellness Plus Plan. The plans are the same in terms of coverage, providing reimbursement for annual vet exams and spay and neuter surgeries, among other items. The plans differ in terms of the reimbursement amounts. For an additional $9.50 per month, the Basic Plan provides up to $135 in total reimbursements. The Plus Plan comes with a reimbursement cap of $250 and costs $16.50 per month.

For further coverage, Figo’s add-on plan, the Extra Care Pack, provides payouts for cremation costs and lost-pet advertising.

Learn More: Figo Pet Insurance Review

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.

Figo offers three plans that cover costs related to the diagnosis and treatment of accidents and illnesses, including tests, surgeries, and prescription medications. The Essential Plan comes with a $5,000 annual reimbursement cap, while the Preferred Plan has a $10,000 limit. The Ultimate Plan has no annual limit.

While most pet insurance companies have three deductible options, Figo offers four, with a 70%, 80%, 90%, or 100% rate.

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.

Learn More: Prudent Pet Insurance Review