Pet Insurance in New York
Before you buy pet insurance New York residents can use, review each contract closely because animal health plans have no special state rules.
- Law on pet insurance: No statute specific to pets.
- Regulatory agency: New York State Department of Financial Services.
- For complaints, File a complaint.
- New York has never adopted consumer protections specific to pet insurance; the 2025 bill was vetoed, and both chambers approved a 2026 bill.
Source list: New York State Department of Financial Services home page, New York State Department of Financial Services: file a complaint, the state page chart for NAIC Pet Insurance Model Act (#633), the Pet Insurance white paper from NAIC (publication-pin-op-pet-insurance), and NY Senate: Assembly Bill 2025-A11164
The 2025 to 2026 bill (A11164 / S10225) passed both houses in the state, and the Senate floor vote occurred on June 2, 2026. The legislature’s website doesn’t show that bill as signed. The governor vetoed an earlier 2025 bill (S5324A / A1433).
Since the state has never established pet-insurance-specific consumer protections, general property and casualty insurance law covers these plans. Coverage rules come only from your policy contract. You need to read the fine print before buying.
New York pet insurance laws
These policies fall under general property and casualty law here. Regulators classify them as inland marine coverage. According to the NAIC model act chart, New York shows no current activity. It hasn't adopted the national model law.
In the absence of a dedicated statute, every insurer writes the terms of its policies. Review the sample contract for these key rules before enrolling.
- The free-look period lets you cancel within a set number of days after buying and receive a full refund.
- This is called the waiting period: after you buy, the plan waits through a period of days before it begins paying for vet care.
- Under the rule for a pre-existing condition, an illness or injury counts when your pet showed signs before coverage began.
In New York: pet insurance companies
National providers offer plans throughout all 50 states, but local rules and features may vary. Among major insurers publishing availability across all 50 states are:
- ASPCA Pet Health Insurance serves all 50 states.
- Embrace offers coverage throughout all 50 states.
- Plans from MetLife Pet Insurance are sold nationwide, including each of the 50 states and Washington, D.C.
- Spot offers plans throughout all 50 states.
- Plans from Trupanion pet insurance are offered throughout all 50 states, DC, and Puerto Rico. Some people in some states may not have access to every product or discount.
- AKC Pet Insurance is available throughout all 50 states. Some features aren't available in every state.
A quote for pet insurance in New York reflects four details about your pet: species, age, breed, and ZIP code. For dogs, U.S. average accident and illness premiums totaled $836 yearly ($70 monthly) in 2025. For cats, the yearly total was $435 ($36 monthly). The figures apply nationwide rather than to state prices, while local policies represent a 7.8% share of the U.S. gross written premium total.
What is the number of insured pets in New York?
New York residents hold 7.2% of insured pet policies nationwide, placing the state at rank 2 in 2024 NAPHIA member information. The industry report covers insured-pet shares and gross written premium in the top 10 states.
How do you submit a complaint about pet insurance in New York?
Insurance companies are regulated by the New York State Department of Financial Services, which also handles consumer disputes. If a claim, billing matter, or policy term causes you a problem, ask your insurer to review it. You can report the unresolved issue on the regulator's online complaint portal if the company doesn't fix it.
Ask about plan prices for your pet
An insurance agency handles your request; we do not sell policies, provide quotes, or bind coverage.