Best Pet Insurance in New York: Top 5 Companies in 2019

The rising cost for health care also impacts veterinary care for your four-legged family members.

Many pet parents strive to provide their dogs and cats with the best possible care, which is where pet insurance comes into play, and why you’ll find abundant pet insurance options in New York.

Pet insurance rates generally vary by state, and according to PetPlan, New York has an average annual cost of $1,200 to $1,300 for unexpected veterinary care, which is mid-range compared to the rest of the U.S.Funny happy Australian Shepherd dog New York City, Midtown Manhattan, NYC closeup with calico orange, black, white color, smiling, tongue out of mouth on street

The best pet insurance policies help alleviate your financial worry by reimbursing part of your veterinary costs, but not all policies are created equally.

Plan costs vary according to a number of factors, including whether you have a cat or dog, their breed and age, and even your geographical location.

Each insurer calculates its actuarial math differently, contributing even further to differences in price.

Finally, your deductible, reimbursement rate, and deduction cap will also play a large part in your final investment in pet insurance in New York.

We evaluated over 30 companies to help you find the best pet insurance in New York, ultimately deciding on the following five companies.

5 Best Pet Insurance Companies in New York

PetPlan Pet Insurance

Monthly Costs Starting at $29.16 for dogs and $18.19 for cats
Coverage Co-pay of 10, 20, or 30 percent after deductible
Payout Limits $2,500-Unlimited
Deductibles $250-$1000 annually
 

PetPlan, administered by Fetch Insurance, stands out with its coverage of non-routine vet exam fees and comprehensive dental coverage in its customizable accident and illness plans, including a Premier Plan with unlimited coverage and no benefit caps.

PetPlan insures dogs and cats of any breed, six weeks old to the end of life, and never terminates your policy due to age or illness severity.

Unlike many pet insurance companies, PetPlan offers an online claims calculator and 24/7 customer service over the phone or live chat.

Despite 50 complaints in the last three years, PetPlan has an A+ rating with the Better Business Bureau.

It’s known for its commitment to customer service and provides an outstanding mobile experience that allows quick, paperless claims submissions through any iOS or Android device within 90 days of receiving veterinary care.

Approved claims are paid within 30 days, but more often within five to 14 days.

Healthy Paws Pet Insurance

Monthly Costs Starting at $32.83 for dogs and $17.19 for cats
Coverage Co-pay of 10, 20, or 30 percent after deductible
Payout Limits Unlimited
Deductibles $100-$500 annually

Healthy Paws offers pet insurance in New York for dogs and cats aged eight weeks to 14 years.

Though pets older than 14 years aren’t eligible for a new policy, when you insure your pet before this age, they receive the same quality coverage for life.

Healthy Paws’ one standard accident and illness plan allows you to customize deductible and reimbursement limits but has no maximum payout limits or per incident, annual, or lifetime caps.

The company had 48 complaints in the last three years, including 27 in the past 12-month period, but the BBB gives it an A+ rating due to its responsiveness to customers.

The company offers speedy and convenient claims processing through its online portal and mobile app.

Healthy Paws processes claims within ten business days, but 99 percent are processed in two days.

Aetna Pet Insurance

Monthly Costs Starting at $30.06 for dogs and $16.52 for cats
Coverage Co-pay of 20 percent after deductible
Payout Limits $5,000 or Unlimited
Deductibles $50-$1,000 annually

Aetna pet insurance, administered through Pets Best, is known for its highly flexible pricing and customizable plans that are especially attractive to senior pet owners due to no upper age limits and coverage that’s never reduced or canceled based on age.

You can insure dogs and cats through Aetna’s accident only pet insurance plans in New York with a flat monthly rate of $9 for dogs and $6 for cats, which beats the national average of $15.84 and $12.72 respectively.

Its minimum monthly premium for accident and illness coverage also comes out on top compared to the national average of $44.66 and $27.93.

Pricing for optional wellness plans is $16 or $26, depending on the level of coverage.

Pets Best had 53 complaints in the last three years, which is quite low, and it has an A+ rating through the BBB, due in part by one of the fastest turnaround times for claims reimbursement in the industry.

Submit claims through the online portal or mobile app, and most claims are processed in five days or less.

Receive funds in as little as two business days through direct deposit or choose the vet direct payment option.

PetPremium Pet Insurance

Monthly Costs Starting at $12.28 for dogs and $9.83 for cats
Coverage Co-pay of 10, 20, or 30 percent after deductible
Payout Limits $2,500-Unlimited
Deductibles $100-$500 annually

PetPremium administered through Crum & Forster Pet Insurance offers some of the lowest priced medical and wellness coverage in the industry, with two levels of add-on preventive care available.

Save even more with a 10 percent discount for each additional pet insured.

PetPremium requires a lengthy 30-day waiting period for illness coverage but has a zero-day wait for accidents and wellness care, which is extremely rare.

Despite a less than ideal claims process, PetPremium has an A+ rating from the BBB with zero complaints on file, something no other pet insurance provider can boast.

PetPremium’s standard turnaround time for processing claims is within 30 days, but most claims typically take two weeks or less.

Figo Pet Insurance

Monthly Costs Starting at $52.85 for dogs and $28.99 for cats
Coverage Co-pay of 0, 10, 20, or 30 percent after deductible
Payout Limits $10,000, $14,000, or Unlimited
Deductibles $50-$500 annually

Figo pet insurance in New York offers three customizable medical plans for dogs and cats over eight weeks old with no age caps on new or existing policies.

Figo’s minimum monthly premium is high compared to other providers and the national average, but various discounts help lower your cost, and it waives co-pays and deductibles for emergency life-saving treatment.

The company has a solid reputation, with an A rating from the BBB and an astonishingly low number of just five complaints over three years.

It also offers a seamless mobile experience with convenient paperless claims submission through its Pet Cloud, a full mobile app available for iOS and Android devices.

Policyholders have up to 90 days to file claims with standard processing within 30 days, but the company’s payment goal is seven to ten business days with checks direct deposited for quicker receipt of funds.

The primary reason people buy pet insurance is to cover expensive, unexpected vet bills.

While pet insurance in New York can be pricey, get the best policy at the best price by doing your research and protect your bottom line.

*While we make every effort to keep our site updated, please be aware that “timely” information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.