The Best Pet Insurance in New York for 2024

If you’re looking for pet insurance in New York to help pay your furry friend’s vet bills, you’ve got options. More than a dozen insurers operate in the Empire State, many offering reimbursement for up to 90% of your pet’s medical expenses after you’ve met your deductible. NerdWallet gathered rates and evaluated plans to help you find the best pet insurance in New York.

Best pet insurance in New York

Figo: Best budget pick for cats.
ASPCA: Best for comprehensive coverage.

How we found the best pet insurance in New York

NerdWallet’s rating system rewards pet insurance companies with broad coverage, a variety of ways to customize your plan, a high financial strength rating and a good customer experience. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale. Here’s the full methodology behind our pet insurance ratings.

Our writers and editors follow strict editorial guidelines to ensure the content on our website is accurate and fair, so you can make financial decisions with confidence and choose the products that work best for you.

Best overall: MetLife

NerdWallet rating

Unlimited

50% – 90%

$0 – $2,500

No age restrictions for enrollment.

Deductible goes down each year you don’t make a claim in some states.
Accident coverage starts right away, with no waiting period.
Includes coverage for holistic and alternative care.

No option to have the company pay your vet directly.

MetLife sells customizable plans for dogs, cats and even other animals in some states.

Why it’s the best: MetLife had the highest raw score of all the pet insurance companies we evaluated, thanks to its strength in just about every category. MetLife’s standard policy covers things like prescription food, dental illnesses and vet exam fees — which some companies charge extra to cover. It can even pay for grief counseling if you lose your pet.

You can choose to have MetLife reimburse you for up to 90% of your vet expenses, or opt for a less generous limit in exchange for a lower monthly rate. The optional preventive care add-on can pay for services like spay or neuter surgery, teeth cleaning and behavioral consultations.

Best budget pick for dogs: Pets Best

NerdWallet rating

Unlimited

70%, 80%, 90%

$50 – $1,000

May be able to reimburse your vet directly.

Lots of options to customize plans.
Unlimited annual coverage option available.
No upper age limit for enrollment.

Includes exam fees and certain therapies only with more expensive plans.
Doesn’t cover food or supplements.

Pets Best offers lots of options, plus the ability to pay your vet directly.

Why it’s the best: Pets Best offered some of the lowest monthly rates when we compared quotes for a sample dog in New York City. The company’s customizable plans make it easy to find a rate you can afford, with an array of deductibles and coverage types to choose from.

If your vet agrees, Pets Best can pay them directly instead of reimbursing you after a claim. We also like the 24-hour emergency pet helpline, which you can call any time to get answers to questions about your pet’s health.

Best budget pick for cats: Figo

NerdWallet rating

Unlimited

70%, 80%, 90%, 100%

$100 – $1,500

Mobile app has lots of useful features.

No upper age limit for pets.
Unlimited annual coverage is available.
Several reimbursement options to choose from, including 100% reimbursement for some pets.

Doesn’t offer an accident-only plan, which is typically cheaper than more comprehensive plans.

Figo offers extensive coverage, a variety of deductibles to choose from and generous reimbursement options.

Why it’s the best: Figo’s rates were among the cheapest for our sample cats living in New York City — and if you’re a Costco member, you may be able to save an extra 15%. Figo’s plans cover dental illnesses, holistic treatments and hereditary conditions, but coverage for vet exam fees costs extra.

You generally won’t have to wait long for Figo to reimburse you for your vet expenses. The company says it processes most claims within three business days. Policyholders get access to Figo’s Pet Cloud, a mobile app you can use to store your pet’s medical records, file claims, meet other pet parents and reach out to veterinary professionals.

Best for comprehensive coverage: ASPCA

NerdWallet rating

Unlimited

70%, 80%, 90%

$100, $250, $500

Broader coverage than most other plans.

Covers horses in addition to cats and dogs.
Standard plans cover alternative therapies, behavioral issues and congenital conditions.
Shorter waiting period than most plans for cruciate injuries (14 days).

You must call, rather than get an online quote, if you’re interested in unlimited annual coverage.

ASPCA offers generous coverage and multiple plan options, including an accident-only policy.

Why it’s the best: ASPCA’s accident and illness plan has some of the most generous coverage in the industry, covering things that other insurers charge extra for or don’t cover at all. For instance, ASPCA will reimburse you for vet exam fees, prescription food and supplements, behavioral issues, alternative therapies and microchipping.

Unlike some other companies that make you wait six months to a year for coverage of orthopedic conditions, ASPCA has a 14-day waiting period after you buy your policy for all accident and illness claims.

The best pet insurance in New York by age

Want more options? Check out all the pet insurers in New York that earned a 5-star NerdWallet rating.

Best pet insurance in New York for younger animals

Below are sample rates for 2-year-old mixed-breed dogs and cats in New York City with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.


	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
*ASPCA plans had $4,000 in annual coverage.

Best pet insurance in New York for older animals

Older pets are generally more expensive to insure, so we also checked rates for 8-year-old dogs and cats in New York City. Here’s how our 5-star companies stack up for mixed-breed dogs and cats with the same coverage limits as above.


	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
*ASPCA plans had $4,000 in annual coverage.

Cheap pet insurance in New York

Here are the cheapest insurers we found in New York, based on quotes for pets living in New York City. Unless otherwise stated, our sample pets were mixed-breed dogs and cats with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.

Your own prices may vary depending on where you live, the coverage you choose, and your pet’s age and breed.

Jump to the cheapest rates for your pet

Cheap pet insurance in New York for young dogs

Below are the lowest monthly rates we found for 2-year-old dogs living in New York City.


	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
*Fetch plans had a $300 deductible. Healthy Paws plans had unlimited annual coverage.

Cheap pet insurance in New York for older dogs

Below are the lowest monthly rates we found for 8-year-old dogs in New York City.


	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
*Nationwide plans were for accident-only coverage.

Cheap pet insurance in New York for young cats

These are the lowest monthly rates we found for 2-year-old domestic shorthair (mixed-breed) cats living in New York City.


	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
*Healthy Paws plans had unlimited annual coverage. ASPCA plans had $4,000 of annual coverage.

Cheap pet insurance in New York for older cats

These are the lowest monthly rates we found for 8-year-old domestic shorthair (mixed-breed) cats living in New York City.


	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
	4.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
*ASPCA plans had $4,000 of annual coverage.