Lemonade is the best pet insurance company in New York for cats and dogs. AKC, Pumpkin, Pets Best and Spot are strong alternatives in the state.
Best Pet Insurance in New York
Updated: November 13, 2025
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Key Takeaways
Lemonade leads the options for the best pet insurance in New York. Plans start at $10 a month. The company is known for solid customer service.
If you're looking for the cheapest pet insurance in New York, Lemonade’s dog plans average $56 a month. Pumpkin, on the other hand, offers cat plans starting at roughly $23 per month.
Compare a few providers to find a plan that fits your pet’s needs and your budget.
Best Pet Insurance Companies in New York
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $56 |
| AKC | 4.35 | $70 |
| Pets Best | 4.05 | $68 |
| Rainwalk | 3.80 | $82 |
| ASPCA | 3.75 | $65 |
Lemonade
Best Overall
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$56Average Monthly Rate for Cats
$27Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC ranks highest for most dog breeds in New York, while Lemonade and Pets Best are top choices for certain breeds. Review the list below to see which company works best for your dog.
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $30 |
| AKC | 4.3 | $60 |
| Lemonade | 4.25 | $34 |
| Rainwalk | 4.25 | $58 |
| Spot | 3.95 | $54 |
Best Pet Insurance by Cat Breed
Rainwalk dominates the best pet insurance rankings for most cat breeds in New York, while AKC stands out as another strong option. Below, you can review which companies are best for your cat in the state.
Data filtered by:
Abyssinian
| Rainwalk | 4.5 | $36 |
| AKC | 4.45 | $48 |
| Lemonade | 4.35 | $27 |
| Pets Best | 4.3 | $36 |
| Spot | 4.2 | $35 |
Cheapest Pet Insurance in New York
In New York, Lemonade offers the cheapest dog insurance at $56 per month or $674 per year. For cats, Pumpkin provides the most affordable coverage at $23 monthly or $282 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $56 | $674 | -27% |
| Met Life | $64 | $762 | -18% |
| ASPCA | $65 | $785 | -15% |
| Pets Best | $68 | $820 | -11% |
| Pumpkin | $68 | $821 | -11% |
| AKC | $70 | $836 | -10% |
| Figo | $74 | $888 | -4% |
| Hartville | $75 | $900 | -3% |
| Spot | $76 | $911 | -2% |
| Liberty Mutual | $77 | $925 | 0% |
| Rainwalk | $82 | $982 | 6% |
| Embrace | $93 | $1,111 | 20% |
| Nationwide | $109 | $1,311 | 42% |
| Fetch | $114 | $1,374 | 49% |
Cheapest New York Pet Insurance by Dog Breed
In New York, Lemonade, Pumpkin and Pets Best provide the most affordable dog insurance coverage across multiple breeds, with plans starting at $18 per month.
Data filtered by:
Affenpinscher
| Pets Best | $30 | $366 | -48% |
| Lemonade | $34 | $413 | -42% |
| Pumpkin | $41 | $488 | -31% |
| ASPCA | $46 | $554 | -22% |
| Met Life | $49 | $587 | -17% |
Cheapest New York Pet Insurance by Cat Breed
For New York cat owners, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable coverage across breeds. Monthly premiums start at $16 for standard plans.
Data filtered by:
Abyssinian
| Lemonade | $27 | $329 | -53% |
| Figo | $33 | $399 | -44% |
| Hartville | $35 | $423 | -40% |
| Pets Best | $36 | $425 | -40% |
| Spot | $35 | $427 | -40% |
How Much Is Pet Insurance in New York?
New York pet insurance costs an average $98 monthly for dogs and $50 for cats. New York pet owners pay about 9% more than the national average for both types of coverage.
Data filtered by:
$5,000
$500
80%
| Cat | $50 | $597 | 9% |
| Dog | $98 | $1,178 | 9% |
How to Get the Best Cheap Pet Insurance in New York
It can be tough to sort through providers and coverage plans in New York. Use these steps to help you choose the best pet insurance for your needs:
- 1Review Your Pet’s Coverage Needs
List your pet’s health risks and possible future medical costs. Consider factors like age and any breed-specific conditions to choose the coverage level that fits best.
- 2Look Into Available Discounts
Insurers often give discounts for multi-pet plans or annual payments. Some also offer savings for spayed or neutered pets and preventive care packages.
- 3Check Company Ratings
Read customer reviews and look at the financial strength ratings of pet insurance companies in New York. Choose providers with a proven history of paying claims on time.
- 4Compare Quotes From Several Providers
Get quotes from at least three companies using the same coverage details. This helps you make a fair comparison and find the best rates.
- 5Review Your Policy Each Year
Pet insurance costs often rise as pets age or after claims. Compare prices at renewal to see if your plan still offers good value.
Best Pet Insurance in New York: Bottom Line
Lemonade is our top choice for dog and cat insurance in New York. For budget-friendly plans, Lemonade offers the lowest rates for dogs, while Pumpkin provides the most affordable coverage for cats. Even with these strong options, it’s still helpful to compare a few providers to find the plan that fits your pet’s needs.
Pet Insurance in New York: FAQ
If you’re looking into pet insurance in New York, these expert answers break down the questions many pet owners usually ask:
What are the best pet insurance companies in New York?
Based on extensive research, Lemonade, AKC, Pumpkin, Spot and Pets Best rank among the best pet insurance providers in New York, offering comprehensive coverage for your furry family members.
Which company has the cheapest pet insurance in New York?
Lemonade and Pumpkin offer the most affordable pet insurance rates in New York. Monthly premiums start at $56 for dogs and $23 for cats.
How much is pet insurance in New York?
In New York, pet insurance costs $597 annually for cats and $1,178 for dogs. Annual premiums across all pet types can range from $74 to $14,538, depending on coverage and your pet's details.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in New York
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for New York residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
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.
sources
- Trustpilot. "Lemonade Reviews." Accessed December 2, 2025.