Based on our survey of major pet insurance providers, 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. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in New York?
Updated: July 28, 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 the New York's best cheap pet insurance by researching many companies, finding the right coverage level for your furry companion and comparing multiple 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). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
What Factors Affect Pet Insurance Costs in New York?
Below are the key factors affecting pet insurance costs in New York and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has 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 for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Cats are usually cheaper to insure, with annual premiums from $246 to $979, while dogs cost $697 to $1,311 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age since they become more susceptible to accidents and illnesses requiring medical care. In New York, annual premiums range from $246 for young pets to $2,428 for senior pets, assuming other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. New York pet insurance runs about $58 more for dogs and $31 more for cats compared to the national average. Cities within New York don't vary much though.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects how much claims cost and ultimately impacts your premiums.
Average New York Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. New York monthly prices range from $21 to $524, depending on your pet type and coverage details.
The table below shows comprehensive accident and illness coverage rates. Individual rates may vary significantly based on your pet's specific health history, your chosen veterinarian and other factors.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $54 to $254 per month depending on the breed. Take a look at the table below to find specific insurance rates for different dog breeds.
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Dog Breed:Affenpinscher
| Affenpinscher | $109 | $1,311 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in New York
In New York, monthly cat insurance costs vary by breed, with rates ranging from $60 for Domestic Shorthairs to $82 for Abyssinians, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $82 | $979 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average New York Pet Insurance Cost by Age
As one of the top three factors affecting pet insurance costs in New York, a pet's age can make annual premiums range from $246 to $2,428 per year, with older pets typically costing more due to increased health risks. Check the table below to find rates for your pet's specific age group.
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Pet Type: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.
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Pet Type: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
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Determine Your Coverage Needs
Before buying pet insurance, find out how much coverage you need that's both pet and budget-friendly. Consider how much you can afford, the common health problems for your pet's breed, and vet costs in your area.
- 2
Research Cost Factors
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Pet insurance doesn't offer as many discounts as other insurance, but look for multi-pet and bundling savings where available.
- 3
Evaluate Insurance Providers
Check customer opinions on forums to get the real story about different companies. Also look at coverage options, waiting periods, and claims processes to make sure you won't hit surprises when you need to file a claim.
- 4
Compare Multiple Quotes
Get quotes from several companies to make sure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, though you'll need to call if you have an exotic pet.
- 5
Review Policy Details
Read the fine print of each policy, focusing on coverage limits, deductibles, and exclusions. Make sure you understand what conditions are covered, which are excluded, and any waiting periods before coverage begins.
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 monthly. Insuring cats in the state costs around $32 monthly, but monthly pricing varies from $20 to $119 by age.
Is New York pet insurance expensive?
New York is relatively expensive for pet insurance, ranking thirteenth 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 comprehensive protection that fits your budget and needs.
How We Determined Average Pet Insurance Costs in New York
All costs in this article are based on or modified from the following profile:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- For dogs: Labrador Retriever (6 years old)
- For cats: Ragdoll (7 years old)
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.