Pet insurance costs average $378 annually for cats and $697 for dogs in New York, making it 9% more expensive than the national average for both pet types. Your pet's breed and age, along with your coverage choice, affect prices.
How Much Is Pet Insurance in New York?
Updated: December 30, 2025
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Key Takeaways
In New York, pet insurance for dogs is around $58 per month or $697 per year, and cat premiums are around $32 monthly or $378 annually.
According to our survey, New York pet insurance costs are 9% higher than the national average for both dogs and cats.
Get New York's best cheap pet insurance by researching multiple companies, finding the right coverage level for your pet and comparing quotes.
How Much Does Pet Insurance Cost in New York?
| Cat | $32 | $378 |
| Dog | $58 | $697 |
*These accident-only coverage rates (which cover injuries but not illnesses) apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). We excluded providers that don't offer these specific policy terms.
Our guides below can help you better understand the best pet insurance in New York across different situations:
What Factors Affect Pet Insurance Costs in New York?
These factors affect pet insurance costs in New York and determine how much you'll pay. Click each factor to see pricing details.
Coverage level
Your chosen deductible, annual limit and reimbursement rate have the biggest impact on pet insurance costs in New York. Our baseline accident-only rates average $378 to $697 annually, while comprehensive accident and illness coverage ranges from $597 to $1,178 annually with the same policy terms.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference. Cats are cheaper to insure, with annual premiums from $246 to $979, while dogs cost $697 to $1,311 per year. Dogs have more health problems and higher vet bills than cats.
Pet age
Insurance costs increase as pets age and develop more health problems. In New York, annual premiums range from $246 for young pets to $2,428 for senior pets.
Location
Where you live affects your rates because of local vet costs and regional risks. New York pet insurance costs about $58 more annually for dogs and $31 more for cats compared to the national average. Rates don't vary much between New York cities.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and premiums.
Average New York Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on costs. New York monthly prices range from $21 to $524, depending on your pet type and coverage level.
This table shows comprehensive accident and illness coverage rates. Individual rates vary based on your pet's health history, veterinarian choice, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $50 | $597 | 9% |
| Dog | $98 | $1,178 | 9% |
Average New York Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in New York. Our research shows costs range from $979 to $1,311 annually, depending on your pet's breed.
Average Pet Dog Insurance Costs in New York
In New York, a dog's breed affects pet insurance costs more than any other factor. Monthly rates range from $54 to $254, depending on the breed.
Data filtered by:
Select
| Affenpinscher | $109 | $1,311 |
| Afghan Hound | $129 | $1,542 |
| Airedale Terrier | $137 | $1,648 |
| Akita | $141 | $1,686 |
| Alaskan Husky | $113 | $1,352 |
| Alaskan Malamute | $132 | $1,585 |
| Alsatian | $149 | $1,784 |
| Alsation | $139 | $1,669 |
| American Bulldog | $183 | $2,206 |
| American Bully | $171 | $2,059 |
| American Eskimo | $96 | $1,151 |
| American Foxhound | $110 | $1,315 |
| American Hairless Terrier | $94 | $1,124 |
| American Staffordshire Terrier | $150 | $1,802 |
| Australian Cattle Dog | $106 | $1,273 |
| Australian Kelpie | $113 | $1,358 |
| Australian Shepherd | $91 | $1,088 |
| Australian Silky Terrier | $93 | $1,119 |
| Australian Terrier | $99 | $1,191 |
| Basenji | $95 | $1,143 |
| Basset Fauve de Bretagne | $124 | $1,484 |
| Basset Hound | $152 | $1,821 |
| Beagle | $113 | $1,358 |
| Bearded Collie | $105 | $1,258 |
| Belgian Shepherd Malinois | $126 | $1,513 |
| Bernese Mountain Dog | $247 | $2,963 |
| Bichon Frise | $101 | $1,209 |
| Bloodhound | $177 | $2,122 |
| Border Collie | $95 | $1,137 |
| Border Terrier | $100 | $1,195 |
| Borzoi | $153 | $1,826 |
| Boston Terrier | $108 | $1,287 |
| Boxer | $177 | $2,122 |
| Bracco Italiano | $125 | $1,497 |
| Briard | $133 | $1,594 |
| British Bulldog | $214 | $2,574 |
| Brussels Griffon | $104 | $1,246 |
| Bullmastiff | $246 | $2,957 |
| Bull Mastiff | $254 | $3,046 |
| Bull Terrier | $150 | $1,798 |
| Cairn Terrier | $106 | $1,267 |
| Cane Corso | $205 | $2,456 |
| Caucasian Shepherd Dog | $189 | $2,269 |
| Cavachon | $86 | $1,030 |
| Cavalier King Charles Spaniel | $114 | $1,361 |
| Cavapoo | $82 | $988 |
| Central Asian Shepherd Dog | $167 | $2,002 |
| Chihuahua | $71 | $849 |
| Chow Chow | $132 | $1,587 |
| Clumber Spaniel | $139 | $1,665 |
| Cockapoo | $80 | $959 |
| Cocker spaniel | $121 | $1,452 |
| Collie | $116 | $1,388 |
| Corgi | $130 | $1,560 |
| Coton De Tulear | $92 | $1,097 |
| Dachshund | $93 | $1,114 |
| Dalmatian | $149 | $1,782 |
| Dingo | $95 | $1,148 |
| Doberman Pincher | $173 | $2,083 |
| Doberman Pinscher | $242 | $2,901 |
| Dogue de Bordeaux | $250 | $2,999 |
| English Bulldog | $223 | $2,675 |
| English Foxhound | $106 | $1,273 |
| English Mastiff | $225 | $2,700 |
| English Pointer | $125 | $1,498 |
| English Setter | $122 | $1,464 |
| English Springer Spaniel | $114 | $1,364 |
| English Toy Terrier | $97 | $1,155 |
| Estrela Mountain Dog | $156 | $1,868 |
| Field Spaniel | $116 | $1,389 |
| Finnish Lapphund | $108 | $1,293 |
| Foxhound | $112 | $1,340 |
| Fox Terrier | $99 | $1,184 |
| French Bulldog | $198 | $2,382 |
| German Pinscher | $104 | $1,241 |
| German Shepherd | $130 | $1,556 |
| German Shorthaired Pointer | $118 | $1,406 |
| German Spitz | $112 | $1,344 |
| Giant Mix (100 pounds+) | $122 | $1,461 |
| Giant Mix (110 pounds+) | $115 | $1,380 |
| Giant Mix (111 pounds+) | $105 | $1,262 |
| Giant Mix (90 pounds+) | $155 | $1,851 |
| Goldendoodle | $99 | $1,192 |
| Golden Retriever | $135 | $1,618 |
| Gordon Setter | $152 | $1,818 |
| Great Dane | $225 | $2,699 |
| Great Pyrenees | $151 | $1,814 |
| Greyhound | $148 | $1,772 |
| Groodle | $90 | $1,081 |
| Harrier | $117 | $1,397 |
| Havanese | $82 | $991 |
| Hungarian Vizsla | $144 | $1,734 |
| Husky | $100 | $1,199 |
| Icelandic Sheepdog | $110 | $1,316 |
| Irish Setter | $131 | $1,575 |
| Irish Terrier | $108 | $1,295 |
| Italian Greyhound | $107 | $1,282 |
| Italian Spinone | $122 | $1,466 |
| Jack Russell Terrier | $80 | $961 |
| Japanese Chin | $93 | $1,120 |
| Japanese Spitz | $94 | $1,125 |
| Kangal Shepherd Dog | $204 | $2,445 |
| Keeshond | $118 | $1,412 |
| Komondor | $143 | $1,712 |
| Labradoodle | $99 | $1,190 |
| Labrador Retriever | $129 | $1,547 |
| Large Mix (51-100 pounds) | $106 | $1,268 |
| Large Mix (51-110 pounds) | $97 | $1,162 |
| Large Mix (55-90 pounds) | $107 | $1,296 |
| Large Mix (60-109 pounds) | $115 | $1,380 |
| Large Mix (61+ pounds) | $106 | $1,271 |
| Large Mix (71+ pounds) | $190 | $2,286 |
| Large Mix (Over 70 pounds) | $105 | $1,263 |
| Lhasa Apso | $92 | $1,103 |
| Lurcher | $150 | $1,807 |
| Maltese | $90 | $1,079 |
| Maltipoo | $74 | $897 |
| Medium Mix (20-55 pounds) | $84 | $1,013 |
| Medium Mix (20-70 pounds) | $89 | $1,063 |
| Medium Mix (21-70 pounds) | $198 | $2,378 |
| Medium Mix (23-70 pounds) | $106 | $1,273 |
| Medium Mix (26-50 pounds) | $88 | $1,060 |
| Medium Mix (26-59 pounds) | $115 | $1,380 |
| Medium Mix (31-50 pounds) | $89 | $1,065 |
| Medium Mix (31-59 pounds) | $87 | $1,047 |
| Miniature Bull Terrier | $150 | $1,806 |
| Miniature Dachshund | $98 | $1,175 |
| Miniature Fox Terrier | $104 | $1,244 |
| Miniature Pinscher | $92 | $1,106 |
| Miniature Poodle | $85 | $1,015 |
| Miniature Schnauzer | $100 | $1,193 |
| Mixed Breed | $113 | $1,365 |
| Mixed Breed Giant (>90 lbs) | $161 | $1,935 |
| Mixed Breed Large (51-90 lbs) | $106 | $1,268 |
| Mixed Breed Medium (31-50 lbs) | $80 | $945 |
| Mixed Breed Small (>10 lbs) | $66 | $786 |
| Mixed Breed Small (11-30 lbs) | $68 | $824 |
| Mixed breed Small (up to 20lbs when full grown) | $64 | $764 |
| Mixed Dog (21-50 pounds) | $93 | $1,123 |
| Mixed Dog (51-90 pounds) | $113 | $1,348 |
| Mixed Dog (91 pounds+) | $118 | $1,420 |
| Morkie | $77 | $927 |
| Newfoundland | $214 | $2,573 |
| Norfolk Terrier | $105 | $1,257 |
| Norwegian Elkhound | $109 | $1,314 |
| Norwich Terrier | $102 | $1,228 |
| Olde English Bulldogge | $238 | $2,859 |
| Old English Buldogge | $192 | $2,299 |
| Old English Sheepdog | $139 | $1,670 |
| Papillon | $90 | $1,078 |
| Pekingese | $98 | $1,174 |
| Pembroke Welsh Corgi | $114 | $1,371 |
| Peruvian Hairless Dog | $99 | $1,187 |
| Petit Basset Griffon Vendeen | $145 | $1,743 |
| Petit Basset Griffon Vendeens | $109 | $1,312 |
| Pitbull | $143 | $1,713 |
| Pointer | $116 | $1,398 |
| Pomeranian | $93 | $1,118 |
| Portuguese Water Dog | $129 | $1,549 |
| Pug | $117 | $1,401 |
| Puggle | $85 | $1,015 |
| Puli | $121 | $1,452 |
| Rhodesian Ridgeback | $150 | $1,795 |
| Rottweiler | $223 | $2,673 |
| Rough Collie | $124 | $1,487 |
| Saint Bernard | $238 | $2,850 |
| Saluki | $126 | $1,514 |
| Samoyed | $120 | $1,437 |
| Schnoodle | $87 | $1,037 |
| Scottish Deerhound | $181 | $2,175 |
| Scottish Terrier | $124 | $1,491 |
| Shar Pei | $193 | $2,319 |
| Shetland Sheepdog | $96 | $1,154 |
| Shiba Inu | $86 | $1,030 |
| Shih Tzu | $77 | $930 |
| Siberian Husky | $104 | $1,250 |
| Small Mix (0-20) | $63 | $748 |
| Small Mix (0-25) | $115 | $1,380 |
| Small Mix (10 and less pounds) | $62 | $746 |
| Small Mix (1-10 pounds) | $64 | $769 |
| Small Mix (11-25) | $61 | $734 |
| Small Mix (11-30) | $73 | $870 |
| Small Mix (20 and under pounds) | $153 | $1,834 |
| Small Mix (22 pounds or less) | $77 | $920 |
| Small Mix (25 and less pounds) | $74 | $879 |
| Small Mix (Under 20 pounds) | $54 | $640 |
| Smooth Collie | $119 | $1,427 |
| Soft Coated Wheaten Terrier | $117 | $1,404 |
| Staffordshire Bull Terrier | $129 | $1,547 |
| Standard Poodle | $124 | $1,487 |
| Standard Schnauzer | $111 | $1,331 |
| Tibetan Mastiff | $212 | $2,538 |
| Tibetan Terrier | $119 | $1,423 |
| Toy Mix (10 and less pounds) | $79 | $948 |
| Toy Poodle | $88 | $1,054 |
| Vizsla | $126 | $1,510 |
| Weimaraner | $153 | $1,833 |
| Welsh Corgi Cardigan | $111 | $1,334 |
| Welsh Corgi Pembroke | $114 | $1,371 |
| Welsh Springer Spaniel | $101 | $1,215 |
*These rates are for policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in New York
Monthly cat insurance costs vary by breed, ranging from $60 for domestic shorthairs to $82 for Abyssinians.
Data filtered by:
Select
| Abyssinian | $82 | $979 |
| Australian Mist | $75 | $902 |
| Balinese | $75 | $899 |
| Bengal | $71 | $846 |
| Birman | $67 | $802 |
| Bombay | $60 | $722 |
| British Longhair | $60 | $723 |
| British Shorthair | $73 | $878 |
| Burmese | $68 | $823 |
| Chinchilla | $68 | $815 |
| Cornish Rex | $73 | $877 |
| Devon Rex | $68 | $818 |
| Domestic Shorthair | $60 | $717 |
| Exotic Shorthair | $82 | $979 |
| Himalayan | $69 | $835 |
| Maine Coon | $79 | $946 |
| Munchkin | $68 | $821 |
| Norwegian Forest cat | $66 | $789 |
| Persian | $73 | $880 |
| Ragdoll | $62 | $741 |
| Russian Blue | $62 | $750 |
| Savannah | $74 | $890 |
| Scottish Fold | $70 | $840 |
| Serengeti | $69 | $834 |
| Siamese | $61 | $739 |
| Siberian | $74 | $885 |
| Snowshoe | $71 | $852 |
| Sphynx | $79 | $941 |
| Tonkinese | $67 | $801 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average New York Pet Insurance Cost by Age
A pet's age can make premiums range from $246 to $2,428 per year. Older pets cost more because of increased health risks.
Data filtered by:
Cat
| Under 1 | $20 | $246 |
| 1 | $22 | $268 |
| 2 | $24 | $288 |
| 3 | $26 | $314 |
| 4 | $29 | $344 |
| 5 | $31 | $374 |
| 6 | $34 | $405 |
| 7 | $46 | $557 |
| 8 | $40 | $477 |
| 9 | $44 | $525 |
| 10 | $49 | $582 |
| 11 | $54 | $652 |
| 12 | $61 | $733 |
| 13 | $66 | $790 |
| 14 | $73 | $879 |
| 15 | $81 | $971 |
| 16 | $90 | $1,072 |
| 17 | $91 | $1,093 |
| 18 | $101 | $1,206 |
| 19 | $110 | $1,314 |
| 20 | $119 | $1,419 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average New York Pet Insurance Cost by City
Your city barely affects pet insurance rates in New York: just a few dollars difference per year. Below are costs for some of New York's biggest cities.
Data filtered by:
Cat
| Buffalo | $32 | $378 |
| New York | $32 | $378 |
| Rochester | $32 | $379 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in New York
Get pet insurance for the lowest price by following these steps:
- 1Determine your coverage needs
Calculate how much coverage you need based on your pet's health history and budget. Factor in your monthly spending limits, breed-specific health concerns and local veterinary costs. Match your coverage level to your pet's needs and avoid paying for features you won't use.
- 2Research cost factors
Look up average costs for your pet's breed and coverage level to identify competitive rates. Ask insurers about pet insurance discounts to reduce your monthly premium. Many companies offer financial assistance programs for low-income pet owners.
- 3Evaluate insurance providers
Read customer reviews to learn how companies handle claims. Look for patterns in payment speed, denial rates and support team responsiveness. Customer experiences reveal which insurers pay claims promptly when your pet needs treatment.
- 4Compare multiple quotes
Get quotes from at least three companies. Request identical coverage details from each insurer so you can compare accurately. Insurers offer instant online quotes for cats and dogs but require phone calls for exotic pets.
- 5Review policy details
Read each policy's exclusions, waiting periods, pre-existing condition clauses and renewal terms. These details determine whether your insurer will pay when your pet develops health problems.
Average Pet Insurance Cost in New York: Bottom Line
Pet insurance in New York costs more than the national average. Expect to pay around $32 monthly for cats and $58 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? Figure out what coverage you need, then compare quotes from multiple insurers.
Pet Insurance Cost in New York: FAQ
Find expert answers to common questions about pet insurance costs in New York below:
How much does pet insurance cost in New York?
In New York, pet insurance costs an average of $58 per month for dogs, but depending on age, pricing ranges from $36 to $202. Insuring cats costs around $32 monthly, but costs vary from $20 to $119 depending on age.
Is New York pet insurance expensive?
New York is relatively expensive for pet insurance, ranking 13th nationwide for combined dog and cat insurance coverage costs.
How should I go about buying pet insurance in New York?
To buy pet insurance in New York, research your desired coverage level, evaluate multiple insurers' reputations and policy details, then compare quotes to find coverage that fits your budget and needs.
How We Analyzed New York Pet Insurance Costs
New York pet owners face widely varying insurance rates depending on breed, age and coverage choices, making accurate cost comparisons important before you commit to a policy. We analyzed rates across major insurers to show what you'll actually pay in New York for common coverage levels, helping you identify competitive pricing for your pet's specific profile.
Our Sample Profiles
We used middle-aged pets for our analysis: a 6-year-old Labrador Retriever for dog coverage and a 7-year-old Ragdoll for cat coverage. These ages represent the sweet spot where premiums start climbing but haven't reached senior pricing, giving you realistic expectations for what you'll pay during your pet's middle and later years.
Coverage Settings
All quotes reflect identical coverage terms: $5,000 annual limit, 80% reimbursement and a $500 deductible. This combination covers most emergency surgeries, diagnostic testing and ongoing treatment for chronic conditions without pushing into premium-tier pricing that most pet owners don't need.
Why These Choices Matter
Standardizing our profiles lets you compare New York insurers directly without variables skewing results. When you see that one company charges $127 monthly while another charges $89 for the same Labrador coverage, you're seeing real pricing differences — not coverage variations. These baselines show common choices New York pet owners make, not bare-minimum plans that leave you exposed when your pet needs expensive care.
Middle-aged pets matter because your costs don't stay flat. Premiums jump as dogs and cats develop age-related health issues, so planning with realistic middle-age pricing helps you budget for your pet's lifetime coverage needs rather than getting sticker shock when your puppy turns seven.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.