Best Pet Insurance NYC

Quick Look: Best Pet Insurance NYC

The Big Apple isn’t just a great place for people — it’s a fantastic place for pets, too. Everyone from Brinkley the Golden Retriever in You’ve Got Mail to Evelyn the wandering cat in Only Murders in the Building needs pet insurance. As a New York City pet parent, you want your furry loved ones to live their best lives. Pet insurance can help them do that and save you money in the long run. Interested in knowing more about the best NYC pet insurance? Here’s everything about pet insurance New York City residents need to know. 

The Best Pet Insurance NYC

Ready to find the best pet insurance in NYC? Here are our top picks:

1. SPOT Pet Insurance

SPOT Pet Insurance is the No. 1 pet insurance provider recommended by Cesar Millan, the leading expert in dog behavior. Some insurance highlights:

You can customize your coverage and can even add special SPOT-On coverage. Coverage options include accidents, behavioral issues, dental disease, illnesses, preventive services and even hereditary and congenital conditions. 

SPOT’s claims service is easy. Just visit your vet (don’t forget to give your pet a treat on the way out!), send SPOT the bill and get reimbursed.

Take 30 seconds to fetch your free quote now. 

*Rates vary based on plan type, species, breed, age and location

2. Best for Flexibility: Lemonade Pet Insurance

Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,

Lemonade is a simple company to work with, allowing you to register for insurance on its website at any time. When you choose pet insurance, you can decide whether the policy will pay 70%, 80% or 90% of your expenses and your premiums are set accordingly.

There are accident & illness and preventative plans that protect your pets. With the accident & illness plan, you get coverage for:

The preventative plans cover:

You can use the Lemonade website to register today, or you can check out Benzinga’s review of the platform here.

3. Best for Reimbursement: Pumpkin

Limitations apply. For terms and conditions, visit pumpkin.care. Pumpkin Insurance Services Inc. (NPN#19084749) (“Pumpkin”) is a licensed insurance agency, not an insurer. Insurance plans underwritten by United States Fire Insurance Company. Preventive Essentials is not an insurance policy, and is not available in all states.

Your dog or cat deserves the very best care possible, and Pumpkin gives you the opportunity to do your best. 

After Pumpkin reviews your claim and determines whether your cat can be covered, you’ll receive a robust 90% reimbursement for the covered costs on your claim (assuming annual deductible has been met.)

4. Best for Mobile App: Figo

City life often keeps you on the go. Figo makes it easy to keep up with your pet insurance and your pet’s needs. Figo Pet Cloud helps you connect with other NYC pet parents and find all the pet-friendly places your city has to offer. It reminds you when your pets need their annual shots and it allows you to talk to a vet 24/7.

You can upload your vet receipts right into the app, making the claims process simple, too. Figo keeps you connected, and it offers comprehensive pet insurance that you can use at any licensed vet. 

5. Best for Customizing Coverage: Progressive

Sometimes it’s simpler to keep all your coverage with one carrier. If you already have Progressive for home or auto insurance, consider getting your pet insurance there, too.

You can customize your deductible, your reimbursement percentage and your payment schedule with Progressive’s pet insurance plans. City life is busy enough — make your life easier by getting the coverage you need, all in one place. 

Pet Insurance in New York City: An Overview

New York City is a surprisingly pet-friendly city. Let’s take a look at the numbers:

Number of households with pets: About 33% of NYC households have pets. That adds up to about 600,000 dogs and 500,000 cats. 

Amount spent on pet bills annually: 

Average cost of pet insurance annually:

What Does Pet Insurance Typically Cover?

Pet insurance is similar to health insurance for people. It does have some differences when it comes to what it covers and what it doesn’t. Pet insurance typically covers:

Pet insurance may cover:

Pet insurance typically does not cover:

Review the terms of plans you are considering carefully so you know which conditions will be covered. 

How Does Pet Insurance Work?

Most pet insurance plans are set up the same way. Plans typically have:

3 Reasons to Buy Pet Insurance in NYC

While there are a lot of reasons to buy pet insurance, let’s look at the top 3.

Which Pet Insurance NYC Plan Is Best for Me?

Choosing a pet insurance plan is a big decision. Your plan should fit into your budget while providing the coverage you need. Contact multiple companies for a quote, and ask for a sample policy to review. A sample policy will spell out what each plan covers and what it doesn’t. Compare the deductibles, waiting periods and reimbursement percentages. 

Look at reviews and talk to your vet and other local pet owners about their pet insurance experiences. Ultimately, any plan will take the edge off your vet bills and give you peace of mind. 

Frequently Asked Questions

What is not covered by pet insurance in NYC?

Pet insurance does not cover pre-existing conditions, breeding and cosmetic procedures.

What are the advantages of buying pet insurance in NYC?

The most significant benefits include high costs, increased risks and choices of care.

Related content: BEST FINANCIAL ADVISORS IN NEW YORK CITY

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