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Last updated April 2025

2025’s Best New York City Pet Insurance Plans

Your furry friend deserves the very best care. We have helped 1,000s of pet parents select the ideal NYC pet insurance policy for their dogs and cats.

  • Top brands offering excellent service and fast claims payouts
  • Guaranteed lowest prices with exclusive deals
  • Trusted by veterinarians, groomers, dog trainers and more
Hero Cat And Dog
Average Plan Cost
The average cost is calculated using a 2-year-old pet with a $500 deductible located in NYC with a 10001 zip code. Learn more at the end of this page.
$26.31/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$20,000
  • Lemonade has the best all around NYC pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
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1

79,253 people ranked Lemonade as 4.9 on

Average Plan Cost
The average cost is calculated using a 2-year-old pet with a $500 deductible located in NYC with a 10001 zip code. Learn more at the end of this page.
$35.27/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Fetch makes it easy to use any licensed vet in the U.S. or Canada
  • Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit
  • Protecting 400K+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot
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1
Average Plan Cost
The average cost is calculated using a 2-year-old pet with a $500 deductible located in NYC with a 10001 zip code. Learn more at the end of this page.
$63.48/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$10,000
  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
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1
Average Plan Cost
The average cost is calculated using a 2-year-old pet with a $500 deductible located in NYC with a 10001 zip code. Learn more at the end of this page.
$46.24/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Figo offers users an amazing complimentary service to connect with vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
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1
Average Plan Cost
The average cost is calculated using a 2-year-old pet with a $500 deductible located in NYC with a 10001 zip code. Learn more at the end of this page.
$32.10/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$10,000
  • Odie has several options available to suit any pet parent’s budget including: complete coverage, injury & illness, and accident only plans
  • They also offer a free 24/7 video chat with vets and give the option for a $40,000 annual benefit
  • Founded in 2019 and underwritten by Trisura Insurance Company
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1
Average Plan Cost
The average cost is calculated using a 2-year-old pet with a $500 deductible located in NYC with a 10001 zip code. Learn more at the end of this page.
$47.71/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$5,000
  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
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1
Average Plan Cost
The average cost is calculated using a 2-year-old pet with a $500 deductible located in NYC with a 10001 zip code. Learn more at the end of this page.
$91.74/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
Unlimited
  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
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1
Average Plan Cost
The average cost is calculated using a 2-year-old pet with a $500 deductible located in NYC with a 10001 zip code. Learn more at the end of this page.
$26.31/mo
REIMBURSEMENT AMOUNT
90%
ANNUAL BENEFIT
$20,000
  • Lemonade has the best all around NYC pet insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
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Best Overall

Ranking Methodology

We ranked the best pet insurance policies in NYC based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in NYC with a 10001 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews
  • Claim satisfaction
Back up to Plans

To keep NYC Pet Insurance a free online resource, we may receive advertising/referral fees when you buy a pet insurance policy through links on this page. Our extensive, unbiased research of each insurance provider, and how they compare against each other also influences the rankings. We do not feature every insurance product on the market, rather we only showcase the most trusted insurance providers. Listings on this page do not imply endorsement. Learn more on our Terms of Service page.

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