Insuring Your Pet in New York  

New York is the second most expensive US state to live in, but 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 pal’s 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 a pizza slice stolen from your plate. We’ve hailed a list of some of the most common claims from pet parents in New York:


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. Many canine companions are vaccinated against it, but the risk of contracting it isn’t completely eliminated. 


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.  

Extreme Heat

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!1

maxine the cat

What’s Quicker Than a Coyote?

A pet parent’s reaction to danger – and our claims process.  Read how we were there for Maxine’s pet parents after a coyote attack.

Vet Bill: $3,572
Embrace Reimbursed: $2,296

Discover the Details

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

Estimates based on quotes by Embrace Pet Insurance

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!) Dig into all the doggone details of our coverage. 

accidents icon   Accidents
Illness Icon   Illness
dental icon   Dental Illnesses
ER care icon   Specialty Care
cancer icon   Cancer
Chronic Conditions icon   Chronic Conditions
Behavioral Therapy icon   Behavioral Therapy
breed icon   Breed-specific
& Genetic Condition


[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 preventive 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.


Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.