Best Dog Insurance in New York (2025 Comparison Guide)
Vet bills can be unpredictable, and choosing the right insurance often feels confusing. This comparison brings the top dog insurance plans together, so you can choose with clarity and peace of mind.
Click the table below to explore detailed coverage for each plan
Embrace
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| Deductible | $200–$1,000 |
| Reimbursement | 70–90% |
| Annual limit | $5k–Unlimited |
| Waiting period | 2d (accident) / 14d (illness) |
| Wellness | Optional add-on |
Healthy Paws
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| Deductible | $100–$750 |
| Reimbursement | 70–90% |
| Annual limit | Unlimited |
| Waiting period | 15 days (accident/illness) |
| Wellness | Not included |
Spot
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| Deductible | $100–$1,000 |
| Reimbursement | 70–90% |
| Annual limit | $2.5k–Unlimited |
| Waiting period | 2d / 14d |
| Wellness | Optional add-on |
Trupanion
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| Deductible | $0 option available |
| Reimbursement | 90% fixed |
| Annual limit | Unlimited* |
| Waiting period | 5d / 30d |
| Wellness | Not included |
Pumpkin
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| Deductible | $100–$500 |
| Reimbursement | 80% standard |
| Annual limit | $10k options |
| Waiting period | 14 days |
| Wellness | Optional add-on |
Lemonade
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| Deductible | $100–$500 |
| Reimbursement | 70–90% |
| Annual limit | $5k–$100k |
| Waiting period | 2d / 14d |
| Wellness | Add-on available |
