New York Pet Insurance

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 $45 and $83 per month in 2025.

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(4.0 Google; 4.1 Trustpilot), have a 4.2-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.

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.

For any pet parent who wants to avoid being stuck with thousands in vet bills, pet insurance offers a way to pay upfront and get reimbursed for covered costs later. 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 help people make life saving decisions without financial worry.

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.

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on it's effective date. 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.