Pet insurance
Pet insurance for New York dogs and cats
How pet insurance works, what it covers, and what it costs, explained in plain English.
How it works
You pay a monthly premium. When your pet needs covered care, you pay the vet, submit a claim, and the insurer reimburses a share of the bill after your deductible, up to your annual limit. Read the full guide
Types of coverage
| Plan type | What it typically covers |
|---|---|
| Accident only | Injuries such as swallowed objects, cuts, ligament tears and poisoning |
| Accident and illness | Accidents plus illnesses such as cancer, infections and digestive problems |
| With wellness | Comprehensive coverage that may also include vaccines, screenings and dental care |
What it costs
| Average annual premium, U.S. 2025 | Dogs | Cats |
|---|---|---|
| Accident only | $190 | $112 |
| Accident and illness | $836 | $435 |
| With embedded wellness | $1,414 | $859 |
Source: NAPHIA 2026 State of the Industry Report (2025 data).
New York premiums tend to run above the national average because local vet care costs more.
Questions
Is pet insurance available in New York?
Yes. Many insurers offer pet insurance in New York, which holds about 7.4% of all insured pets in the U.S., second only to California, according to NAPHIA.
Does pet insurance cover pre-existing conditions?
Generally no. Conditions that started before coverage or during the waiting period are usually excluded.