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Updated: Sep 17, 2024, 3:09pm
Key Takeaways
Pet insurance in New York costs an average of $56 for a dog and $30 per month for a cat, according to our analysis of pet insurance costs. That’s for a policy with $5,000 of annual coverage, a $250 deductible and 80% reimbursement level. A policy with unlimited annual coverage, a $250 deductible and 80% reimbursement level costs an average of $85 per month for a dog and $43 per month for a cat in New York.
When you’re examining your choices for the best pet insurance, you may be looking for the cheapest pet insurance policy. Before you go for the cheapest option, see if the policy has these features.
Compare 10+ Leading Pet Insurers In Minutes
Although the average vet visit cost in New York is $56 for dogs, if your pet has additional medical needs, like medical treatment and vaccines, costs will be higher. Here’s a look at vet visit costs in different cities in New York.
| City | Average Cost For A Veterinary Visit For One Dog | Average Cost For A Veterinary Visit With Additional Dog | Total Cost For A Veterinary Visit With Two Dogs |
|---|---|---|---|
| Albany | $74 | $58 | $132 |
| Brooklyn | $83 | $65 | $148 |
| Buffalo | $72 | $56 | $128 |
| Staten Island | $81 | $63 | $144 |
| Queens | $83 | $65 | $148 |
To find the best New York pet insurance we scored each company based on the following:
New York has cheaper average pet insurance compared to other states such as Connecticut, Massachusetts and Maryland.
But pet owners in Arizona, California and Florida pay less.
The lowest average insurance price for dogs in New York, among the companies in our analysis. Its cost averages $25 per month for dogs for unlimited coverage.
For cats, Healthy Paws has the cheapest New York pet insurance, at an average of $15 per month for unlimited coverage.
The best way to determine if pet insurance is worth it is to examine how a large vet bill could cause a major money issue. For example, if you’ve been paying about $50 per month for pet insurance for three years, you’ve paid $1,800 in pet insurance premiums.
Let’s say your dog breaks a bone and treatment costs $3,500. If you have a $250 deductible and 80% reimbursement level, your out-of-pocket cost for treatment would be $900 ($250 deductible + 20% of $3,250 = $900). Adding up the premium for three years and what you’ve paid toward treatment, you’ve paid $2,700 and saved $800 by having pet insurance.