Best Pet Insurance Companies in New York City

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.