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, can make prices vary.
How Much Is Pet Insurance in New York?
Updated: December 22, 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.
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?
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 deductible, annual limit and reimbursement rate 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 reimbursement amounts 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, like 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, 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.
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 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
Monthly cat insurance costs vary by breed, with rates 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 for pet insurance policies.
Average New York Pet Insurance Cost by Age
A pet's age can make annual 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
To help you get pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1Determine Your Coverage Needs
Before buying pet insurance, find out how much coverage you need based on your pet's health history and your financial situation. Consider your monthly spending limits, typical health concerns for your pet's breed and veterinary expenses where you live. Choosing the right coverage level helps you avoid paying for features your pet doesn't need.
- 2Research Cost Factors
Research average costs for your pet and coverage level so you'll know a good deal when you see one. See if you qualify for pet insurance discounts to lower your rate. Alternatively, check available pet insurance low-income programs.
- 3Evaluate Insurance Providers
Read customer reviews on forums to learn how companies handle claims. Look for patterns in feedback about payment speed, denial rates and how helpful their support teams are. This information reveals which insurers deliver on their promises when you need coverage.
- 4Compare Multiple Quotes
Get quotes from several companies to make sure you're getting the best deal. Ensure each quote reflects identical coverage so you're making accurate comparisons. Most insurers provide instant online pricing for cats and dogs, but they require exotic pet owners to call directly.
- 5Review Policy Details
Read the fine print of each policy, focusing on coverage exclusions and waiting periods. Make sure to understand the policy's pre-existing condition clause and renewal terms, as well. These details determine whether your policy will cover your pet when health issues arise.
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
Pet insurance premiums vary dramatically based on your pet's breed, age, and the coverage options you choose, making it critical to understand what typical policies cost before you start shopping. We built this analysis to show you what you'll actually pay for common coverage levels across different providers and pet profiles.
All costs in this article are based on or modified from standardized pet profiles: a 6-year-old Labrador Retriever for dog coverage and a 7-year-old Ragdoll for cat coverage. We quoted policies with a $5,000 annual limit, 80% reimbursement, and a $500 deductible. These mid-range coverage settings balance affordability with meaningful financial protection when your pet needs surgery, diagnostic testing, or ongoing treatment for chronic conditions.
This baseline represents common coverage choices pet owners make, not bare-minimum plans that leave you exposed or premium plans most people don't need. The ages we selected reflect middle-aged pets, since premiums increase significantly as dogs and cats get older and develop age-related health issues. Using these standardized profiles allows accurate cost comparisons across different insurance providers and helps you understand how breed, age, and coverage choices affect what you'll pay throughout your pet's life.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.