New York Pet Insurance
Got a Persian in Poughkeepsie, or a Maltese in Manhattan? Cover your pet with Lemonade pet insurance in New York—the smart choice to keep your fur baby happy and healthy in the Empire State.
How much does pet insurance cost in New York?
Here’s a look at average rates in major New York cities:
| City | Average monthly base premium* |
|---|---|
| Buffalo | $30 to $34 |
| Hempstead Town | $30 to $34 |
| Islip | $35 to $39 |
| Rochester City | $35 to $39 |
Is pet insurance worth it in New York?
What does a Lemonade pet insurance
policy in New York cover?
eligible accidents and illnesses.
Here are some common types of care that Lemonade pet insurance covers in New York:
- Bloodwork
- X-rays
- MRI
- CT Scan
- Lab Work
- Urinalysis
- Ultrasounds
- Cancer
- Emergency Care
- Surgery
- Heart Disease
- Hospitalization
- Road Accidents
- Outpatient Care
- Allergy Medicine
- Specialty Care
- Injections
- Prescription Medications
- Arthritis Medications
- Knee, Elbow, and Hip Dysplasia
Pet parents love Lemonade
What pet insurance plans does
Lemonade offer in New York?
Wellness exam
Annual physical checkup for your pet
Vaccines
Up to 3 vaccines such as Rabies, DHLPP, and Bordetella
Heartworm test
Annual screening of heartworm infestation
Fecal or internal parasite test
Annual parasite evaluation test
Routine dental cleaning
Including dental x-rays, anesthesia, polishing, and more
Preventative medication
Protection for your pet against fleas, ticks, and heartworm
What additional coverage does
Lemonade offer in New York?
Visit fees
Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.
Read morePhysical therapy
Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.
Read moreDental illness
Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.
Read moreBehavioral conditions
Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.
Read moreEnd-of-life and remembrance
Helps cover the costs related to vet-recommended euthanasia, cremation, or commemorative items—like an urn, framed pictures, digital photo storage, or even a tattoo—even if the pet’s death is not related to an eligible condition.
Read moreHow much pet insurance do I need in New York?
Check out the estimated costs of some common vet services for cats and dogs in New York:
Estimated vet services costs for dogs across New York
| Vet Service | Buffalo | Hempstead town | Islip | Rochester city |
|---|---|---|---|---|
| Spay (over 6 months) | $605 (over 50 lbs)/$528 (under 50 lbs) | $667 (over 50 lbs)/$582 (under 50 lbs) | $651 (over 50 lbs)/$568 (under 50 lbs) | $612 (over 50 lbs)/$535 (under 50 lbs) |
| Neuter (over 6 months) | $501 | $552 | $538 | $507 |
| Professional dental cleaning | $409 | $474 | $457 | $417 |
| Office visit | $72 | $87 | $83 | $74 |
Estimated vet services costs for cats across New York
| Vet Service | Buffalo | Hempstead town | Islip | Rochester city |
|---|---|---|---|---|
| Spay (over 6 months) | $375 | $413 | $403 | $380 |
| Neuter (over 6 months) | $276 | $305 | $297 | $280 |
| Professional dental cleaning | $409 | $474 | $457 | $417 |
| Office visit | $72 | $87 | $83 | $74 |
Source: Banfield Pet Hospital
How does pet insurance work in New York?
Go to the vet
If your pet gets sick or injured, just visit any state-licensed veterinarian for the diagnostics, procedures, and medications your furry friend may need to recover.
File a claim
File a claim on the Lemonade app in minutes. You’ll need a pic of the vet invoice and/or a paid receipt, plus a copy of your medical records or notes from that specific vet visit.
Get reimbursed
Get your money back directly into your bank account from Lemonade for eligible claims. Around 50% of Lemonade pet insurance claims are handled instantly.
FAQs
What are the main safety threats to pets in New York?
In New York City, urban hazards pose significant risks to pets. Elevators and escalators can be dangerous if a leash gets caught, leading to potential strangulation or injury. Additionally, rat poison used in parks can be harmful if ingested by dogs, causing severe health issues. The bustling streets also mean pets are at risk of traffic accidents, so keeping them leashed and being vigilant is crucial.
Upstate New York presents different challenges, like coyotes, which can be a threat to both cats and dogs, especially during mating season when they become more territorial. It’s important to supervise pets outdoors and secure yards to prevent encounters. Additionally, venomous snakes like copperheads and rattlesnakes are a concern in rural areas, so keeping pets away from tall grass and brush is a good idea.
What are the best dog parks in New York?
New York City offers some amazing dog parks where your pup can stretch their legs and have some fun.
- Central Park is a must-visit, allowing off-leash play in designated areas before 9 AM and after 9 PM.
- Prospect Park Dog Beach in Brooklyn is a favorite summer spot where dogs can cool off during off-leash hours.
- Sirius Dog Run in the Financial District offers a unique experience, as it was built to honor 9/11 search and rescue dogs. It features a pool and an obstacle course.
- Inwood Hill Park Trail boasts natural beauty perfect for a scenic two-mile hike with your furry companion.
What are the top local pet-based businesses in New York?
New York is home to plenty of amazing pet-focused businesses that cater to every need.
- Dog & Co is a chic boutique specializing in stylish, designer pet products.
- Zoomies in Greenwich Village goes the extra mile with its treat bar and focus on fun, fashionable pet items.
- Bushwick Bark, a women-owned business in Brooklyn, offers grooming, healthy foods, and even a self-service dog wash.
- Koneko Cat Cafu00e9 in Manhattan, offers a unique experience where you can sip tea while spending time with adoptable cats.
- Love Thy Beast is another favorite, known for its quirky pet-themed gifts and toys like avocado toast dog plushies.
Can I use Lemonade pet insurance at any vet in New York?
Yes, since we work on a reimbursement basis you can use your Lemonade pet insurance policy at any licensed vet in the U.S., including New York.
Are there specific illnesses that New York City pets are more prone to?
Pets in New York City may be more prone to respiratory issues due to pollution, as well as allergies and tick-borne diseases. Regular vet visits and preventative medications for ticks can help manage these risks.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average pet premiums as of October, 2024. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances
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