Insuring Your Pet in New York

New York is the second most expensive US state to live in, and the vet bills are no exception. Having pet insurance means you’ll never have to sacrifice getting the best care because of cost. With Embrace Pet Insurance you’re free to visit any vet practice you choose from New York City – Brooklyn to the Bronx – all across the Empire State, from Buffalo to Rochester, Syracuse to Poughkeepsie, and beyond. Plus, our policies are personalized to fit your budget and your pet's unique needs.

Why We Recommend Pet Insurance If You Live in New York

Our pets have a knack for getting into trouble. And in New York, they don’t have to go far to find it. Danger can be found in passing cars, harsh weather, or eating food they shouldn't. Here's a list of some of the most common claims and worries from our pet parents who live in New York:

illustration of a dog coughing

Bordetella Bronchispetica (aka Kennel Cough) 

Visiting the dog park and sending your pup off to doggy daycare exposes them to a highly contagious respiratory disease called kennel cough. Dogs living in metropolitan areas of New York are also more at risk due to crowded environments. Many of our New York pet parents take advantage of our Wellness Rewards to help budget for vaccinations that can help prevent Kennel Cough.

illustration of a stomach

Stomach Issues

Pets are just like us, which means digestive difficulties can happen out of nowhere. Was it something they ate? Better question, what didn’t they eat? From vomiting to diarrhea, upset stomachs can often speak to major issues like parasites, inflammatory bowel disease, or a blocked intestinal tract.  

Lyla - Australian Labradoodle

White Plains, NY Pup Eats a Scary Snack

A bowl of grapes landed Layla at the Emergency Vet

Vet Bill: $1,658.42

Embrace Reimbursed: $1,166.74

Read Layla's Full Story

illustration of a hot sun

Extreme Heat

In parts of New York, a backyard is a rare commodity, so walks are the way of the world. But when the weather heats up, it can be dangerous for your four-legged friends to be out and about with the risk of overheating, dehydration, heatstroke, and burned paws. On a sunny 90°F day, the sidewalk can reach up to 135°F!*

Merlin-Labrador Retriever

New York City Lab, Merlin, Loves to Chew

Which led to a cracked tooth and an expensive extraction

Vet Bill: $2,001.25

Embrace Reimbursed: $974.65

Read Merlin's Full Story

Visit Any Veterinarian or Pet Hospital in New York

No networks, no hassle. With Embrace Pet Insurance you can visit any general, specialist or emergency veterinarian in New York, across the United States, or even around the globe. No matter what licensed vet you see, you’re covered. 

One simple word describes my experiences and the services provided by Embrace - Excellent… 

Joseph Garden City, New York

How Much Does Pet Insurance Cost in New York?

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors.

**Below are a few estimates to give you a better idea of what pet insurance might cost in New York.

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

Got a New York minute?

That's how fast you can fetch your personalized quote. 

What All is Covered by Pet Insurance in New York?

Embrace’s comprehensive pet insurance covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Get stoked and dig into all the doggone details of our coverage.  

  • Accidents

  • Dental Illnesses

  • Cancer

  • Behavioral Therapy

  • Illness

  • Specialty Care

  • Chronic Conditions

  • Breed-Specific & Genetic Conditions

[Embrace] spent time with me to go over the best way to submit a claim and it was processed in lightning speed! I was pleasantly surprised at the reimbursement.

Randy East Moriches, New York

What’s Not Covered?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom- and treatment-free for 12 months. 

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.   

For routine and preventative care, we offer a flexible Wellness Rewards plan, which is the purrfect complement to your insurance policy. 

The value is solid, the service is simple to use, the communication is great… Reimbursement is issued promptly and it’s always easy to get in touch with a representative. Great business, great product.

Karen Brooklyn, New York

How Does Pet Insurance Work in New York?

With Embrace, pet insurance is simple: Visit any vet, submit a claim, and we get to work reimbursing you.

We make the claims process so easy your pet could practically do it. Get an itemized invoice and the diagnosis from your vet. That's all you need when you submit your claim via your MyEmbrace Customer Account – because who has time to print and fax or snail mail? Voila. You’re done!

We even offer direct deposit so you can get reimbursed quicker.

*WHAS11 **Estimates based on quotes by Embrace Pet Insurance