Expertise.com

2024

Last updated:

Best Pet Insurance Companies in New York City

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored New York City Pet Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

158227Reviewed

94939Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
305 Madison Avenue, Morristown, NJ 07960
  • Accident Only

Why choose this provider?

Crum & Forster provides financial security to New York City metro residents. Through collaborations with carriers including Seneca, DMC Insurance, and Redwoods, it provides pet health insurance plans that cover the wellness, accidents, illnesses, and unforeseen veterinarian bills of cats and dogs. With the help of technology integration, the business strives to meet each client's demand. It includes shelter management software like PetPoint and Chameleon, 24PetCare: Shelter Services, 24PetConnect: Online Adoption Services, and 24PetWatch: Lost Pet Recovery, which disseminates RFID microchip technology.

License Verified:

License: 1068479

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
251 W 30th St # 9W, New York, NY 10001
  • Hereditary & Congenital Conditions

Why choose this provider?

Pumpkin is a company that caters to pet owners in New York City and surrounding areas. It offers pet insurance plans that cover veterinary expenses, behavioral issues, dental illnesses, and alternative therapies. It also provides Preventive Essentials, a wellness package for dogs and cats that focuses on various aspects of routine care, including annual exams, lab tests, and vaccines for preventable diseases. Pumpkin has appeared in publications such as Business Insider, the New York Times, and Yahoo! Insider.

License Verified:

License: 1588380

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.3 / 5 (916)
Yelp
2.5 / 5 (91)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
101 Greenwich Street, New York, NY 10006
  • Policy Bundle Discount

Why choose this provider?

Fetch by the Dodo offers pet insurance policies in New York City. The agency designs coverages for cats and dogs, which typically include veterinary exam fees, emergency visits, dental care, and laboratory and imaging tests. Fetch's pet insurance also pays for behavioral therapy, cancer treatment, chiropractic care, surgery, and breed-specific issues. Pet parents who entrust their pet's healthcare needs to Fetch gain access to the company's patent-pending technology, Fetch Forward. This program provides tailored insights and relevant pet care recommendations.

License Verified:

License: 1085609

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (217)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
41 E 11th St., New York, NY 10003
  • Policy Bundle Discount

Why choose this provider?

Wagmo is an insurance agency that serves pet parents in New York City. It offers pet insurance policies that cover unexpected illnesses and injuries of cats or dogs. The insurance plan's inclusions cover X-rays, laboratory tests, emergency vet visits, hospital stays, prescription medications, and surgeries. It is available to use with any licensed veterinarian or service provider anywhere in the USA. Wellness plans for pets, including vaccination and grooming, are also available. The agency was founded by Christie Horvath and Alison Foxworth, both of whom are pet lovers.

License Verified:

License: 1584868

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.3 / 5 (60)
Google
4.5 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
358 Fifth Avenue 8th Floor, New York, NY 10001
  • Policy Bundle Discount

Why choose this provider?

Global Coverage, Inc., is a family-owned brokerage firm catering to business owners and high-net-worth individuals in New York City. It offers pet insurance to helps families manage the cost of life-saving treatments in the event of pet injury or sickness. Founder Philip J. Rosenthal has grown his business from employing a team of three members to building an extensive network of insurance partners to meet customers’ diverse needs. The company offers a wide range of insurance products, from homeowners' to workers' compensation, with the goal of protecting clients' assets.

License Verified:

License: 643658

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
5.0 / 5 (21)
Google
4.0 / 5 (4)
Yelp
3.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
32 Old Slip, 30th Fl, New York, NY 10005
  • Military Discount
  • Accident Only

Why choose this provider?

Policygenius is an independent agency that serves the insurance needs of animal lovers in New York City and nearby areas. It furnishes pet insurance to protect fur parents from financial losses due to veterinary bills. The company also offers various personal protection plans, including home, renters', auto, and life insurance. It works with different insurance carriers, including Travelers, Pacific Life, AIG, Nationwide, and Prudential. Policygenius has been in the industry for more than five years.

License Verified:

License: 1295513

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (1054)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
845 Classon Ave, Woodhaven, NY 11238

Why choose this provider?

Robert G Larson is an insurance professional who has been working at State Farm for over 17 years. He caters to individuals, families, and businesses in New York City and the surrounding communities. He offers pet insurance, which covers medical costs for illnesses and injuries like allergies, bite wounds, broken bones, cancer, and heart disease. He also provides auto, health, home, life, liability umbrella, and renters' insurance plans. Larson's office comprises members who can speak Spanish.

FAQs

  • Will you have to bring your pet for a physical exam in New York City to be eligible for pet insurance?

    Bringing your pet in for a physical exam is not a common prerequisite for obtaining pet insurance in New York. Instead, during the application process, insurance companies only require you to disclose if your pet has a pre-existing condition. In such cases, the condition may be excluded from coverage or subject to additional terms and premiums.

  • Does pet insurance in New York City have coverage limits?

    Yes, pet insurance policies in New York City have varying terms and conditions regarding coverage limits, which are classified as follows:

    • Annual limits: The maximum reimbursement for a policy year.
    • Lifetime limit: Maximum coverage for the life of the pet.
    • Per-incident limits: The maximum amount of coverage applicable to a specific illness, injury, or incident.
    • Condition-Specific Limits: A cap on coverage for specific conditions or treatments.
    • Benefit schedule: Amounts paid in advance for specific treatments or conditions.
  • Are pet's behavioral issues considered illness under pet insurance in New York City?

    It depends. Some New York City insurance providers include coverage for a pet's behavioral issues as part of their base plan, while others charge an additional fee for this service. Specific behavioral modification programs and prescription medications may be covered. However, coverage is unlikely if your pet's behavioral issue is a pre-existing condition.

  • Are New York City pet insurance costs for dogs expensive?

    Yes, pet insurance premiums in New York City are higher than in other cities due to high veterinary care costs. For example, the average monthly coverage cost for a six-month-old golden retriever dog with 80% and unlimited yearly reimbursement and a $500 deductible is between $49 and $111. In major cities such as Albany, comparable insurance costs range between $33 and $99.

  • Is pet insurance accepted in all New York City veterinary facilities?

    Accepting pet insurance at veterinary facilities is unnecessary because it is not standard practice in New York City when you plan to pay for your pet's medical costs. Pet insurance works by you paying for veterinary care services out of pocket, then filing a claim with your pet insurance provider for reimbursement.