Pet insurance is an essential part of your pet's health care. Pet insurance can cover a range of services including dental care, treatment for serious injuries or illnesses, and prosthetic devices such as wheelchairs.
You have a variety of options when looking for pet insurance in New York City. There are many different options, from simple to comprehensive. It's important to choose the right policy for you and your dog.
Lemonade
Lemonade's website is easy to use and will take care of your pet's every need. The insurance is flexible and affordable for pets aged up to 13. The company offers discounts to pets that are senior citizens or military personnel.
Spot
Pet owners will find this New York-based provider to be incredibly convenient. The claims process is simple and you can even send your vet's invoice directly from your smartphone. You will then be reimbursed, as long as your deductible is met.
Trupanion
This company provides the most extensive coverage of any insurance provider in the industry. It covers any new or unexpected injuries, hereditary diseases and conditions as well as other illnesses. Trupanion utilizes direct-payment software that allows vets and Trupanion to reimburse claims almost immediately.
Embrace
Embrace also offers a variety of deductibles, annual coverage limits and alternative therapies. These include chiropractic care and acupuncture. It reimburses behavioral treatment costs and pays for exam fees, as long as the vet prescribed them. There is a waiting period of 180 days before the insurance covers orthopedic injuries. This can be avoided by having your pet examined within 14-days after signing up.
Many Pets
Many Pets does not have a limit on pre-existing conditions for cats and dogs. The company has an accident and sickness policy with multiple deductible options. Annual benefit amounts are available from $5,000 to infinity.
MetLife
MetLife's policy is not as intuitive as others on the list, despite offering high-quality services and rates that are competitive. To submit a claim, you'll have to fill out a form and send it via email or digitally. The wellness benefits are also not clearly outlined online. You'll need to contact the company if you want more information.
Wagmo
Wagmo's tech-centric provider was founded in New York City. The company offers several convenience features including the ability for you to upload bills directly from your phone and receive payments using Venmo or PayPa.
It also offers a wellness plan, which covers vaccinations and routine pet checkups. These plans cost $12 to $36 per month in New York for dogs and cat owners.