New York Pet Insurance

Embrace is a top-rated pet insurance for dogs and cats in New York

Dog and Cat Insurance in New York

The Empire State is an idyllic place to live, and many of its residents own pets as cherished companions. From the iconic skyline of New York City to the charming towns of Upstate, New York is a pet lover's paradise. Whether you're chasing squirrels in Central Park with your four-legged friend or enjoying a leisurely stroll along Lake Erie, New York offers a wealth of opportunities for creating lasting memories with your furry family member.

Home prices, gas prices, and food expenses are high in most areas of New York, but they are not the only costs to consider. Pet care costs have also seen increases as the price of keeping our beloved furry family members protected becomes more expensive.

Get a New York Pet Insurance Quote

No matter where you live in New York, Embrace can provide you with a competitive quote for pet insurance. Just tell us a little bit of information about your dog or cat, and we’ll fetch a quote that meets your needs.

It’s as easy as 1, 2, 3. Here’s how that works:

  1. Tell us about your furred friend

    Share some information about your pet, including species, age, and breed.

  2. Customize your policy

    Choose annual reimbursement limits, deductibles, and percentages.

  3. Choose optional coverage

    Such as additional coverage for prescription drugs and wellness care

You’ll get an instant quote that you can adjust based on your needs. We also provide discounts for military, annual payments, and multi-pet households.

Ready to protect your pet?

Call (800) 799-1539

What Makes Embrace the Best Pet Insurance in New York?

Pet owners know to expect the unexpected, and having a simple, comprehensive policy to protect your pet lets you enjoy play time to the fullest.

From emergency and specialist care to diagnostic testing and surgery, Embrace Pet Insurance helps you provide the best quality of life for your pet and gives you peace of mind.

Embrace Pet Insurance Reimburses For:

Illustration of an ambulance symbolizing pet care coverage provided by comprehensive pet insurance plans.

Emergency care, prescription drugs, diagnostic testing, complementary treatments, and more

Shield icon with medical cross, representing comprehensive pet insurance protection and health coverage for your furry companions.

Some pre-existing conditions may be eligible for coverage, particularly curable conditions once they’ve been cured for 12 months

Illustration of a band-aid used for wounds, highlighting the need for pet insurance to cover potential health issues and accidents that can affect your pet’s well-being.

Exam fee coverage for accidents and illnesses is also available

What Makes New York Pet Insurance So Important

We all know someone with horror stories about a pet eating a blanket or coming down with a sudden (and expensive) illness. Pet insurance means having the ability to get essential care without shelling out the full balance of the pet vet bill.

Ready to protect your pet?

Call (800) 799-1539

Paw Support Included with Every Pet Insurance Plan in New York

Have you heard the news? Embrace now offers Paw Support, a 24/7 pet helpline to provide pet parents with expert guidance from veterinary experts.

You can chat with a specialist online, via email, or by video and get all of your burning questions about any topic answered, including:

  • checkmark icon used as a list bulletMedical conerns
  • checkmark icon used as a list bulletPet emergencies
  • checkmark icon used as a list bulletSymptoms
  • checkmark icon used as a list bulletPoisons and toxins
  • checkmark icon used as a list bulletChronic conditions
  • checkmark icon used as a list bulletLab results
  • checkmark icon used as a list bulletVitamins and supplements
  • checkmark icon used as a list bulletHolistic care options
  • checkmark icon used as a list bulletBehavioral issues
  • checkmark icon used as a list bulletWellness care
  • checkmark icon used as a list bulletDiet
  • checkmark icon used as a list bulletExercise

FAQs About New York Dog and Cat Insurance

What is the average cost of pet insurance in New York?

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our New York pet insurance costs between $20 and $106 per month.

Which company has the cheapest pet insurance in New York?

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in New York when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.1 Google; 4.2 Trustpilot), have a 5-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

What are common risks to pets in New York?

Despite its beautiful landscape, New York is home to many hidden dangers to pets. In the summer months, heat stroke is a major concern, while hypothermia and frostbite are risks during icy winter walks. From snowstorms to thunderstorms, New York's unpredictable weather demands extra caution. Flash floods, black ice, falling icicles, and summer air quality issues require vigilance.

Heartworms, fleas, and ticks are also prevalent, and tick-borne Lyme disease is common, especially in rural areas. If you frequent the dog park, parvovirus (which can be deadly) and kennel cough are other risks to be aware of.

New York City has unique dangers such as rat bait, dangerous traffic, and exposure to toxins and lead paint, while coyotes, bears, and rabid squirrels or racoons are more of a concern in the rural areas. The Empire State’s varied environment calls for pet owners to take extra precautions to keep their furry friends safe from these hazards.

Is it worth having pet insurance for a dog in New York?

For any parent who would prefer not to pay thousands in vet bills, pet insurance is a smart financial option. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can save your pet’s life.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

Can pet insurance be used immediately?

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on the type of coverage you have. All policies cover accidents from the start date of the policy. All polices have a 2 week illness waiting period. Most Pet Wellness Plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.