Pet insurance in New York featured image

The Empire State offers a fantastic life for dogs and cats, but there are many reasons why you should get pet insurance in New York.

Owning a pet in New York can be an ambitious but exciting prospect. Like anywhere, there are joys and there are risks, so getting pet insurance in New York is important – so you can have fun with peace of mind.

Though the state is not short on green space, it is the fourth most populous state in all the US (with New York City the most populous city). You need to take this density into account when thinking about the kind of life you want for your pet.

New York City life (of pets)

Many pet parents in New York leave their animals indoors. But among the gorgeous places to take your dog for a stroll is the world-famous Central Park – the 843-acre park in the very heart of New York City. In general, dogs should be kept on leads in the park. However, there are windows of time (before 9am and after 9pm) when that rule is relaxed. You can also give your pets a taste of freedom and the chance to cool off at Prospect Park Dog Beach.

“If your dog bites another in New York, you’ll need to foot the bill”

Just be careful that other people are as cautious about their pet as you. If someone else’s furry friend takes a bite out of yours, you might be looking at vet charges of $5,000. Likewise, if your dog does the biting, you’ll need to foot the bill.

Pet-friendly fun in New York

Because it caters to millions of pet parents, New York City offers a wide range of fun activities for your dog! William Secord Gallery is one of the few galleries to allow leashed dogs to roam the exhibitions with their parents. Airbnb experiences like Puppy Picasso and Dinner with Dogs are available to anyone looking for something a little bit out there.

You'll also need to be mindful of the possibility of road accidents in New York. If your pet is hit by a car and breaks their leg, the bill is likely to be significant. In fact, the biggest pet insurance claim in 2021 in the US was in Brooklyn, New York. A pet parent's terrier was hit by a car, but luckily their pet insurance covered the vet bill. This is just as well, because it came to over $50,000.

Upstate New York

Elsewhere, beyond the bright lights of the big city, there’s beautiful country. Just 50 miles north, there are stunning state parks like Cornwall’s Storm King State Park. Here, your leashed dog can bound around while you’re taking 312 photos of the view or some pics of your French Bulldog in a hat for the ‘gram.

Did you know?

'New York, New York' singer Frank Sinatra loved dogs so much a dog biscuit was placed in his coffin

There are beautiful hikes to be had in Niagara Falls State Park as well. Or, if you know your pup has a penchant for sand, the city of Rye has Playland. This is a picturesque beach with a great reputation, where you can take your dogs for walks between October and April.

Don't forget vaccines

Remember, a lot of wild animals that you may encounter can carry unpleasant diseases, including rabies. Make sure your pet is up to date with their vaccines – a preventative and wellness plan will help cover those costs.

Why get pet insurance at all?

At Petted, we sincerely believe that pet insurance is a must for all pet parents, whether you live in New York, North Carolina or Nebraska. It doesn’t matter if you’re a city- or country-dweller, if you have a Bull Mastiff or a Burmese, your beloved pet is at risk from injury, illness and inherited conditions – and these things can cost a lot of money to fix.

If you don’t have a very large savings account then you run the risk of either getting into a ton of debt (we’re talking tens of thousands of dollars in some cases) or – and we hate to think about this – not being able to pay for your pet’s treatment and having to either give them up or, tragically, have them euthanized.

So, for the sake of a few dollars a month, please buy yourself some peace of mind and your pet a healthier, more secure future. To find the best pet insurance policy for where you live, click here. We'll fetch you the perfect quotes in less than a minute.

Plan Coverage

It’s a real worry when your pet gets sick. But with plenty of reimbursement options available, pet insurance can help cover up to 100% of veterinary costs for new accidents and illnesses – plus much more.

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Accidents

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X-rays, CT scans & MRI's

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Illnesses

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Medication

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General check ups

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Follow up care

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Cancer

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Allergies

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Surgery

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Diagnostic tests

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Anaesthetic

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Emergency care

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Chronic illnesses

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Congenital conditions

How much does pet insurance cost in New York?

Breed Area Age Annual Coverage Typical Premium
Mixed medium Icon

Mixed medium

New York

3 months

$5,000

$44.24

Golden Retriever Icon

Golden Retriever

Albany

3 years

Unlimited

$29.94

Chihuahua Icon

Chihuahua

Buffalo

6 years

Unlimited

$29.94

Domestic Shorthair Icon

Domestic Shorthair

Rochester

3 months

$5,000

$13.66

Domestic Shorthair Icon

Domestic Shorthair

Syracuse

4 years

$5,000

$9.60

What do New York residents think about pet insurance?

Excellent
star star star star star
4.92 34,535

One snowy Wednesday in January, our Bulldog Chad was struck by a limo while he was chasing a pigeon. We could have been staring at a bill of $6,500 but, with a reimbursement rate of 90%, we were fine thanks to our insurance plan. Ernie

Ernie
Queens

My husband and I have had our Ragdoll Kenny for 12 years. Now that he’s old, he needs a whole battery of tests: X-rays, MRIs, you name it. How could we have afforded these if we weren’t insured? Kenny deserves the best, and, because he didn’t have any pre-existing conditions, our insurance company were happy to pay for it all. So the best is what he got.

Penelope
Manhattan

What’s the best pet insurance in New York?

Provider Customer Review Score Waiting Period Minimum Enroll Age Maximum Enroll Age Pricing

50% off routine wellness plans

1.

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4.9

14 days for illnesses 48 hours for accidents No wait for switching direct from another provider

8 weeks

No age limit

$

Get a quote

5-star-rated Forbes pet insurer

2.

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4.8

14 days for illnesses 
48 hours for accidents

6 weeks

14 years old

$$

Get a quote

3.

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4.6

14 days for illnesses 
3 days for accidents

7 weeks

14 years old

$

Get a quote

4.

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4.5

14 days for illnesses 
2 days for accidents

8 weeks

14 years old

$$

Get a quote

5.

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4.3

15 days

8 weeks

14 years old

$$

Get a quote

Can pay claims directly to your vet

6.

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4.2

30 days for illnesses 
5 days for accidents

No lower limit

14 years old

$$$

Get a quote

7.

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4.0

14 days, including knee injuries and hip dysplasia

8 weeks

No age limit

$$$

Get a quote

8.

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4.0

14 days

No lower limit

No age limit

$$$

Get a quote

9.

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3.9

14 days for illnesses One day for accidents

8 weeks

No age limit

$$

Get a quote

Pet insurance alternative: emergency plan

10.

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3.8

14 days

No lower limit

14 years old

$

Get a quote

11.

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3.8

14 days for illnesses 
2 days for accidents

8 weeks

No age limit

$$

Get a quote

12.

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3.6

15 days for accidents 
and illnesses 30 days for cancer

8 weeks

No age limit

$$

Get a quote