Pet Insurance in New York

  • Accident & illness plans cover hereditary and congenital conditions
  • Coverage for microchip implantation
  • Coverage for Exam Fees for covered conditions
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What is Pet Insurance for Dogs and Cats?

With pet insurance, you pay a premium for the benefit of help covering eligible vet bills for your pet.

As pet parents, we wouldn’t want our pets to fall sick, but if that happens, we want to get them the best possible care. Vet bills for unexpected accidents and illnesses can be expensive at times, and pet insurance can help you cover the eligible expenses. Despite the fear of those vet visits for your pet, you have help sleeping like a baby when you have pet insurance. Know more about is pet insurance worth it and how much does pet insurance costs.

We might not be able to control all of the unfortunate situations, but pet insurance can help protect your pet and your pocket. Spot Pet offers comprehensive top-ranked pet insurance plans for dogs and cats in the state of New York.

Why is pet insurance important in New York?

Degraded Water Quality

Degraded water quality in New York includes siltation, nutrient runoff, temperature increases, toxics (e.g., pesticides, heavy metals), lowered dissolved oxygen, and possible contaminants. These toxins can affect our small pets similar to how they can affect us. Apart from long-term health threats, they can also lead to infections and bacterial diseases in dogs and cats. Infections can cause short-term illnesses like fever, lethargy, and lack of appetite and have long-term effects like internal organ damage.

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How Spot Plans Help Protect Your Pet

Toxin Ingestion

Spot plans cover foreign objects and toxin ingestion that your pet may swallow unexpectedly.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$3,500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $3,060

You Pay $440

Cold Weather

Cold weather can have a significant impact on our pets, particularly those not accustomed to it. In New York, where temperatures can plummet during winter, it's essential to take measures to protect your furry friends. Exposure to cold weather can cause hypothermia and frostbite in pets, just as it can in humans. Pets with short hair or those that are elderly, very young, or have pre-existing health conditions are particularly vulnerable. Pet owners should ensure their pets have warm and dry shelter, blankets or sweaters, and limit their time outside. It's also crucial to keep an eye out for signs of discomfort, such as shivering or lethargy, and take your pet to the vet if they exhibit any concerning symptoms.

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How Spot Plans Help Protect Your Pet

Hypothermia and Frostbite

Spot plans can cover hypothermia and frostbite that may happen to your pet in colder climates.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$2,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,710

You Pay $290

Canine Distemper

Canine distemper is caused by a very contagious virus. Puppies and dogs usually become infected through virus particles in the air or in the respiratory secretions of infected dogs. The symptoms of this disease in affected dogs can include runny eyes, fever, a snotty nose, coughing, vomiting, diarrhea, seizures, and paralysis. There are vaccines available that can help protect your dog from the severe effects of this virus.

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How Spot Plans Help Protect Your Pet

Infectious Diseases

Spot accident & illness plans cover illnesses resulting from infectious diseases your pet may catch.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$200
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $90

You Pay $110

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Why Spot Plans?

We believe in pets and pet-parents first. We make sure that pet parents have help feeling at peace knowing their pet is covered. We have customizable plan options to help ensure maximum benefits to you and your pet.

Affordable Plans for Cats & Dogs

Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.

New York Pet Insurance Information by City

Find city-specific information about Pet Insurance in the state of New York.

Pet Insurance FAQs

Have questions about petinsurance and how it works? Let’s dig up an answer.

Does my dog really need pet insurance?

Pet insurance can fetch you extensive coverage and help you save money when life throws unexpected lemons at our pets (which could be a covered accident!). You never know when your pet may need care, and pet insurance can help give you peace of mind. Know more about should I get pet insurance.

How much does pet insurance cost in NY?

Based on internal data, Spot plans in New York cost about $56 per month.* Some factors that affect your premium are the pet’s breed, age, and where you live. Other factors include the plan type, annual deductible amount, reimbursement percentage, and annual coverage limit amount. Spot plans have customizable plan options to help you pick the plan most affordable for you and your pet. Click here to get a quote.

*Average cost is based on Spot internal data from June 2022 - January 2024 for active policies in the state of New York for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.

Is medication covered by Spot pet insurance plans?

Yes, medication prescribed by a licensed vet to treat a covered condition would be covered by a Spot plan. Know more about what does pet insurance cover.

Are vaccinations covered by pet insurance?

Base level plans provided by Spot do not cover vaccinations. To get reimbursed for certain routine vaccinations for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.

What problems do pets have?

Pets of all breeds are at risk of developing health conditions during their lifetimes. Some health risks can include contact with a bacteria or a virus, especially on an open wound or exposed skin. Other risks can include predators, moving vehicles, parasites and poison. Many humans foods can also be very toxic to cats and dogs.

Why are pets hard to take care of?

Pets, like humans, require love and patience. They also require attention and consistent care. What can make them seem hard to take care of is the lifetime cost of owning a pet. Pet insurance can help cover eligible expenses over the course of your pets life.