New York Pet Insurance

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

A fluffy golden-colored small dog and a tabby cat with white markings sit peacefully side by side on a white windowsill, both gazing out through a large window at the greenery beyond, with a small potted plant visible on the left side of the frame. This serene moment between two beloved pets highlights why many pet owners consider insurance coverage.

What is Embrace Pet Insurance

For pet owners across New York, Embrace Pet Insurance means you can give your pet the best care without worrying about the cost. We offer robust accident and illness plans designed to provide financial peace of mind when unexpected vet bills arise in the Empire State. Our commitment is to your pet's well-being, which is why our policies have no lifetime payout limits and include coverage for hereditary conditions and complementary therapies. Through our user-friendly MyEmbrace portal, managing your policy and submitting claims is simple and hassle-free, allowing you to focus on what matters most—your pet.

Pet Insurance Coverage in New York

As fellow pet owners, we know your dog's health is a top priority. Our insurance plans are built to reflect that, offering coverage for a wide range of health issues. This includes hereditary and congenital conditions, chronic illnesses, and even ailments common to specific breeds, along with all associated diagnostic and treatment costs.

Illnesses

Protect your pet with coverage for illnesses and diseases such as cancer, diabetes, and heart disease. Click here to learn more.

Injuries

Ensure your pet is covered for injuries, accidents, surgeries, and emergency vet visits. Click here to learn more.

Wellness

Preventive care is an optional add on offered by most pet insurance providers to help cover wellness expenses, including vaccines and dental cleanings. Click here to learn more.

How Much Does Pet Insurance Cost in New York?

A pet insurance premium* is calculated based on three primary variables: the pet's age, its breed, and the policyholder's geographic location. Younger animals command lower premiums, while certain breeds with a predisposition to health conditions may incur higher costs. Furthermore, the pricing structure accounts for the regional average cost of veterinary services.

Dog Insurance

On Average:

$60 per month for Dog Insurance

Cat Insurance

On Average:

$30 per month for Cat Insurance

*Based on internal Embrace claims data from 2025

Is Pet Insurance Worth It?

Finding the right pet insurance plan means balancing your budget with coverage for surprise vet bills. To give you a better idea of potential expenses, here are the typical costs for common vet procedures for cats and dogs in New York.

Average Vet Costs in New York

Vet Procedure	Price of Procedure	What Embrace Pays	What You Pay
Intervertebral Disc Disease	$3,000	$2,610	$390
Bilateral Hip Dysplasia	$2,000	$1,710	$290
Diarrhea	$200	$90	$110

Note: Table was designed with a $100 deductible and a 90% reimbursement rate

Two boxer-mix puppies sit in grass, with one in sharp focus showing a tan and white face with dark muzzle, emphasizing why pet insurance that covers parvo is important since treatment costs a lot and can add up.

Why New Yorkers Choose Embrace

For pet parents in the Empire State, Embrace provides flexible accident and illness insurance that you can tailor to your budget. Our policies have no lifetime payout limits and cover everything from breed-specific conditions to complementary therapies, with optional exam fee coverage. Experience our commitment to fast claims, clear policies, and a seamless customer portal.

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 $45 and $83 per month in 2025.

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(4.0 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.

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 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.

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 it's effective date. All policies cover accidents from the effective 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.