Best Pet Insurance Companies in Queens

FAQs

• How much does pet insurance cost in Queens?

  Pet insurance with standard dog illness and accident coverage in Queens costs around $30 to $65 monthly. For cats, standard pet insurance premiums have a lower price of $20 to $40 per month. Pet insurance policies may be a bit higher here compared to cities outside New York and other states.

• Why should Queens residents check the pet insurance company's license before getting a policy?

  Queens residents should verify the license of the pet insurance company that they are getting a policy from because they run the risk of buying incomplete coverages and wasting their money on premiums from unlicensed insurers. All insurance providers in New York are required to have a license from the state’s Department of Financial Services or DFS. DFS provides guaranteed protection when dealing with authorized companies.

• Can pets in Queens still get pet insurance even if their age is unknown?

  Yes, pets in Queens can still get pet insurance even if their age is unknown or if the owner is not sure about their age. Owners may use their best estimate on the date of birth of the pet by using their medical records and their shelter or rescue documentation. Their correct age can possibly be validated through a review of these records.

• How does a pet insurance plan holder in Queens determine if their pet has a pre-existing condition?

  A pet insurance plan holder in Queens may determine if their pet has a pre-existing condition if their illness or injury occurred prior to the start of their policy’s coverage or during the policy’s waiting period. A condition can be considered as pre-existing regardless of whether it has been officially treated or diagnosed; what matters is the time that the symptoms first appeared or the condition first manifested.

• When can an insurer cancel coverage of a Queens pet insurance?

  Insurers may cancel coverage of a Queens pet insurance if the owner:

  • fails to pay their premium.
  • commits material misrepresentation or fraud in obtaining the policy or pursuing a claim.
  • performs a reckless or willful act or omission that increases the severity of a covered condition.
  • conceals or misrepresents material facts that could cause coverage denial. The insurer may also deny coverage if they risk violating insurance laws or otherwise become unable to provide coverage.