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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 We Recommend Pet Insurance 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.
Read moreHow 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:
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.
Read moreHow 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:
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.
Read moreHow 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:
Spot plan pays you back $90†
You Pay $110
What to Do with Your Pet in New York
New York State offers a variety of pet-friendly activities, from bustling city adventures to serene outdoor escapes. In New York City, explore Central Park for off-leash play and scenic walks. Visit Tompkins Square Dog Run for a dedicated play area. Stroll along the High Line for stunning city views. Enjoy a pet-friendly brunch or dinner at one of the many dog-welcoming restaurants. For a unique experience, take a ferry ride around Manhattan with your furry friend. And don't forget to check out the AKC Museum of the Dog for a canine-themed adventure.
Upstate New York offers a different kind of pet-friendly experience. Hike through the Adirondack Mountains or the Catskills for breathtaking scenery. Explore Niagara Falls and the surrounding parks. Enjoy a day at a pet-friendly beach or lake. Or simply relax at a pet-friendly cabin or inn.
No matter where you go in New York State, you'll find plenty of opportunities to enjoy quality time with your furry companion.
Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
1)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
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 pet insurance and how it works? Let’s dig up an answer.
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.
Can I Take My Dog or Cat to any Vet in New York?
Yes, with Spot Pet Insurance, you can take your dog to any licensed veterinarian in the United States. There are no restrictions on the choice of vet, giving you flexibility in seeking the best care for your pet.
Can Spot Plans Cover Any Breed in New York?
Yes, pet insurance usually can cover any breed in New York. Regardless of your pet’s breed, you can find a policy that provides the coverage you need.