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5 Best New York Pet Insurance for Dogs & Cats (2024 Reviews)

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Our cats and dogs may live happy-go-lucky lives full of play and affection. Still, there will inevitably be times when emergencies occur, and urgent veterinary care will be necessary. Such accidents or ailments can be expensive, but they don’t need to be. With pet insurance providing crucial financial support during such challenging times, you can focus all your energy on helping your best pal get well.

Below is some valuable information about the 5 best pet insurance companies for New York residents so you can find the best option for protecting your dog or cat. Wherever you reside in the Empire state, this article has you covered. Whether you are in Manhattan, Albany, Greatneck, Niagra Falls, or anywhere in between, read on for the information you need.

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Early morning walks with our furry friends are the best!

5 Top Dog & Cat Insurance Companies Compared for New York

  • 1. Wagmo

    (Best for wellness)

    Why it’s great: With a wide selection of wellness plan add-ons, multiple pet discounts, and speedy reimbursement via direct deposit, Venmo or PayPal, it’s easy to see why New York pet parents will be drawn to Wagmo. They also give discounts for policy renewals that had no claims the previous year. Another perk is that you can employ the services of any vet you choose. The best aspect of Wagmo’s offerings is that they reimburse veterinary fees up to 100% for that year once the deductible has been met.

    Keep in mind: Wagmo has a maximum lifetime payout of $100,000, at which point coverage will end.

    Good for: Pet owners who seek a balance between emergency care and wellness coverage.  

    Average price for DOGS in New York: $68.02/month 

    Average price for CATS in New York: $40.97/month 


    Learn more at ➜

  • 2. Figo

    (Best for cats)

    Why it’s great: Figo is known for offering the best monthly premiums around for cats. Overall, the company places great emphasis on care, which is why they provide their customers with live, 24/7 veterinary support via their mobile app. What’s more, Figo has a selection of wellness packages you can add to your basic policy, including one that will cover up to $250 in prescription food should your vet deem it necessary. To boot, all of their plans have unlimited lifetime benefits, which means your dog or cat can receive coverage for the entirety of their lives no matter how costly their care may become at any point.

    Keep in mind: As with most companies, Figo does not cover pre-existing conditions.

    Good for: Pet owners that value having access to live 24/7 veterinary assistance for no extra charge. 

    Average price for DOGS in New York: $69.69/month 

    Average price for CATS in New York: $35.17/month 


    Learn more at ➜

  • 3. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp protects up to 6 pets in your household under an emergency fund, regardless of their age, breed or health condition, for a simple $24 monthly fee. The fund covers 24/7 telehealth services and pet expert consultations. Pet parents will appreciate that they can take their cat or dog to the veterinarian of their choice and that there are no copays, deductibles or credit checks with Pawp. Better yet, you will be able to leave the vet clinic with your bill paid in full, which means you skip the claims process typical of conventional pet insurance plans.

    Keep in mind: Pawp’s emergency fund only covers emergencies qualified by their virtual team of veterinarians. Also, the emergency fund can only be applied to a single vet bill up to $3,000 for one of your pets per year.

    Good for: Older pets or those with pre-existing conditions. The emergency fund makes a quality supplement to a more
    traditional pet insurance policy. 

    Price: $24/ month 


    Learn more at ➜

  • 4. Embrace

    (Best established brand)

    Why it’s great: Embrace offers “diminishing deductibles,” which means that if your dog or cat does not have any claims every year, your annual deductible will be reduced by $50 upon renewal for the following year.

    They also have no maximum lifetime payout limits and have an optional routine care plan that covers spaying or neutering if that is something your pet might need. One of the unique features of Embrace is the wellness plan that covers alternative veterinary treatments, including chiropractic, massage therapy, acupuncture and reiki.

    Keep in mind: Only pets younger than 14 years are eligible for coverage. The maximum combined claims for the wellness plan is $650 per year, which equals approximately $25 of savings each year. Also, there are no refunds at the end of each year on any unused funds in your wellness plan.

    Good for: Pet parents who are interested in their dog or cat receiving alternative veterinary care.  

    Average price for DOGS in New York: $78.45/month 

    Average price for CATS in New York: $53.73/month 


    Learn more at ➜

  • 5. Eusoh

    (Best pet healthshare community)

    Why it’s great: Eusoh is not a pet insurance company but a community health plan service that helps members save more than 50% compared with conventional pet insurance. Community health sharing plans reimburse for any illness, accident, routine or wellness care your pet may receive. Their community plans include televet services provided by their partner FirstVet and allow pet parents to employ the services of any veterinarian.

    Keep in mind: Eusoh has created an “expense sharing community” and is
    not a pet insurance company. The highest reimbursement rate offered is 80% and their maximum annual payout is $8,500.

    Good for: Those that like healthshare communities 

    Average price for DOGS in New York: $43.25/month 

    Average price for CATS in New York: $16.08/month 


    Learn more at ➜

Best Overall


Wagmo is our overall top recommendation. It’s the most comprehensive pet insurance provider in New York and they also offer the best value.

Average price for DOGS in New York: $68.02/month 

Average price for CATS in New York: $40.97/month 


Learn more at ➜

FAQs About Pet Insurance in New York

  • 1. What does pet insurance typically cover for cats and dogs?

    Pet insurance coverage differs from provider to provider, but in general, any accidents or ailments considered sudden and unexpected will be covered. The aspects of veterinary care that tend to be covered include tests, additional diagnostic procedures, exams, medications, surgery and other emergency care. That said, we always recommend consulting your preferred providers for further details.

  • 2. How much does pet insurance cost in New York?

    Pet insurance in New York costs anywhere from $43.93 to $96.08 per month for dogs (based on prices for a healthy 2-year-old located in the 10001 zip code). And anywhere from $29.76 to $37.11 per month for cats (based on prices for a healthy 2-year-old located in the 10001 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Wagmo who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Most pet insurance companies will allow you to cancel your policy in writing at any time. Be sure to read your policy details for further information on the cancellation process. Remember that any health issues your cat or dog is diagnosed with before you cancel your policy will most likely be listed as a pre-existing condition should you reapply for insurance coverage in the future.

  • 4. Do New York pet insurance companies cover spaying and neutering?

    New York pet insurance policies do not typically cover the costs of spaying and neutering. That said, some pet insurance providers, such as Embrace , have wellness package add-ons that pay for these procedures.

  • 5. Does the cost of insurance increase as my pet ages?

    Monthly premiums tend to increase as your pet ages, especially once they are 4-5 years old. Doing so helps insurance companies offset the risk of your pet’s increased potential of getting sick as they age.

  • 6. Which companies cover pre-existing conditions?

    For the best coverage of pre-existing conditions, you will want to look into Pawp emergency fund option. Embrace also has policy terms that may permit coverage for curable pre-existing conditions. Of course, it is always a good idea to consult both providers for further details and clarification. Keep in mind that most pet insurance companies will not cover any pre-existing condition, curable or not. Nevertheless, your pet will still be eligible for coverage, regardless of whether they have a pre-existing condition.

  • 7. Is pet insurance worth it in New York?

    New York has some of the most expensive veterinary fees in the entire country, which is a significant reason for getting pet insurance. For example, treatments for life-threatening diseases such as cancer can exceed $10,000. Pet insurance can help to ease the heavy financial burdens that come with emergency veterinary care, so you can dedicate all your energy to looking after your best pal.


We hope this article has helped answer your questions about pet insurance coverage in New York and made the process of choosing the best option for your cat or dog more straightforward. Be sure to take time to review the providers and their offerings in more depth before applying for a policy. Finding the right New York pet insurance plan will allow you to get your cat or dog the care they need in emergencies and keep them healthy throughout their lives.

In our experience, after careful review, we’ve consistently seen Wagmo has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 10001 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

Wagmo = $20,000
Figo = $5,000
Pawp = $3,000
Embrace = $5,000
Eusoh = $8,500