Best Pet Insurance in New York

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.

Overall, AKC dominates the best pet insurance rankings for most dog breeds in New York, while Lemonade and Pets Best serve as top picks for select breeds. Below, you can review which companies are best for your dog in the state.

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.

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.

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.

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.

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.

Finding the best cheap provider and coverage plan in New York can be difficult. Here's how to find the best pet insurance for your needs:

Lemonade is our top pick for dog and cat insurance in New York. For the most affordable coverage, Lemonade leads for dog policies, while Pumpkin offers the lowest-priced cat insurance. While these providers excel in our analysis, compare multiple options to find coverage matching your pet's needs.

Here are expert answers to frequently asked questions about New York pet insurance:

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.