Best Pet Insurance in New York (2023 Ratings)

Before landing on the best pet insurance provider for you and your pet, consider the following factors:

• Plan type: If you’re just looking for accident-only coverage, your options will be limited to providers that offer those plans, including Prudent Pet, ASPCA Pet Health Insurance and Spot. You can purchase from any providers in this review if you need accident and illness coverage.
• Coverage limits: Your policy’s annual coverage limit is the total amount your provider agrees to pay for vet bills annually. If you need unlimited coverage, you can narrow your search to providers such as Trupanion.
• Wellness coverage: Looking to add coverage for wellness and preventive care can help you narrow down your search since some providers don’t offer that option.
• Policy customization: You can customize your policy by choosing lower annual coverage limits, a higher deductible and a lower reimbursement rate — this is the best way to get the cheapest premium. For instance, Embrace quoted us $70.53 per month for a policy with a $30,000 annual limit, a $200 deductible and a 90{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} reimbursement rate to cover a mixed dog. However, it costs only $18.15 per month when customizing those options to $5,000 of annual coverage, a $1,000 deductible and a 70{35112b74ca1a6bc4decb6697edde3f9edcc1b44915f2ccb9995df8df6b4364bc} reimbursement rate.

Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage.

We scored each provider on a 100-point scale based on those elements. We then divided the points earned for each provider’s final score on a 5-point scale.

Here are more details about each factor and how they’re weighted:

• Monthly pricing (25 points): How much each company charges for its pet insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
• Plans (15 points): The top pet insurance companies offer accident-and-illness plans, accident-only plans and wellness or preventive care add-ons to give customers the option to choose a plan that’s best for their pet.
• Covered treatments (15 points): With this factor, we scored companies based on the treatments and procedures they cover. Companies with a breadth of included treatments and unique coverages received more points than providers with more standard or general policies.
• Customization options (10 points): Customizing your policy is a valuable way to ensure you only pay for what your pet needs. Providers with more annual-limit, deductible and reimbursement-rate options earned the highest scores.
• Customer care (10 points): We scored companies on their website accessibility and overall usability, customer service availability, mobile apps (if any), money-back guarantees and veterinarian telehealth options, awarding points to the insurers with more customer experience offerings.
• Industry reputation (10 points): To determine each company’s industry reputation, we reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) and scored companies on their years of experience in the industry and their state availability.
• Waiting periods (10 points): Companies with shorter accident, illness and orthopedic waiting periods between the sign-up and coverage start date scored higher than companies with longer waiting periods.
• Eligible age (5 points): Some companies don’t offer policies for pets that are over a certain age. We deducted points from providers that have age limits for covered pets.

We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.

Hilary Snow is a communications professional with more than 20 years of experience in both the private and public sectors. She has worked for a number of well-regarded outlets and content marketing companies local to North Carolina, including The Greater Wilmington Business Journal and ZillaMetrics.

Parker King is a writer, editor and SEO content strategist with a master’s degree in professional communication from Clemson University and years of experience in the digital marketing industry. She specializes in writing, editing and optimizing personal finance, home services and insurance content.