Pet insurance cost by state / Middle Atlantic
Published state averages · checked October 20, 2026
What does pet insurance cost in New York?
Pawlicy Advisor's 2026 customer quotes put the median New York premium at $52.85 a month across all pets, the 9th highest of 51 states and DC. Insurify's May 2026 medians are $56 for a dog and $28 for a cat, and Forbes Advisor's New York average for a 3-year-old dog is $54 at a $5,000 annual limit.
- 1Pawlicy median, all pets $52.85/mo
- 2Insurify, dogs $56/mo
- 3Insurify, cats $28/mo
- 4Share of US insured pets 7.4%
Every published New York figure
| Source | What it measures | Monthly | Dated |
|---|---|---|---|
| Pawlicy Advisor | Median of customer quotes, all pets; middle half $36.60–$77.16 | $52.85 | October 15, 2026 |
| Insurify | Median of quotes, dogs | $56 | May 31, 2026 |
| Insurify | Median of quotes, cats | $28 | May 31, 2026 |
| Forbes Advisor | Average, dog aged 3, $250 deductible, 80%, $5,000 limit | $54 | October 1, 2026 |
| Forbes Advisor | Same dog, unlimited annual payout | $77 | October 1, 2026 |
The two large quote sets roughly agree on where New York stands: Pawlicy ranks it 9th and Insurify's dog medians rank it 5th of 51. Pawlicy's all-pet median is 20% more than the median state ($43.97); Insurify's dog figure is 24% more than its median state ($45) and its cat figure 27% more than ($22). Forbes Advisor's $5,000-limit dog average is 26% more than the median of the 50 states it publishes ($43), and lifting the limit to unlimited adds 43% in New York.
Dogs versus cats in New York
A cat costs 50% of a dog's premium in Insurify's New York figures ($28 against $56). Nationally, NAPHIA's 2025 averages are $69.67 a month for a dog and $36.25 for a cat on accident-and-illness cover, so New York's Insurify dog median is 20% less than the national dog average. Accident-only plans are far cheaper: NAPHIA's 2025 averages work out to $15.83 a month for dogs and $9.33 for cats. Within the Pawlicy quotes for New York, the middle half runs from $36.60 to $77.16, a band 77% as wide as the median, because age, breed and coverage choices spread prices within one state.
How many New York pets are insured
NAPHIA's 2025 figures place 7.4% of all insured US pets in New York (2nd of 51) and 8.1% of the premium written. Its share of premium is larger than its share of pets, so the average New York policy brings in more premium than the US average policy. Pet insurance is regulated by each state; the New York insurance department is the free route for checking an insurer's licence or filing a complaint, reachable from the NAIC directory.
Premiums against a vet bill in New York
Trupanion's published average claim for a torn cruciate ligament is $5,439. At New York's Insurify dog median of $56 a month and a policy with a $250 deductible and 80% reimbursement, the policy pays $4,151, the owner pays $1,288 of the bill plus $672 in premiums: $1,960 for the year against $5,439 uninsured. With no claim the premiums are simply spent. The break-even bill is $1,090 a year for a dog and $670 for a cat at the Insurify medians. Run other terms in the calculator or read deductible versus reimbursement.
Neighbouring states
New Jersey: $52.29 (Pawlicy), $46 dog and $30 cat (Insurify); Pennsylvania: $49.04 (Pawlicy), $45 dog and $21 cat (Insurify). Across all states Pawlicy's highest median is Hawaii ($64.01) and the lowest Alaska ($28.02).
No source publishes breed premiums for individual states, so breed pages show national figures: for example Pekingese, Bichon Frise, the mixed-breed dog and the mixed-breed cat.
Sources: Pawlicy Advisor (updated October 15, 2026), Insurify (Rates current as of May 31, 2026), Forbes Advisor (Audited and verified Oct 1, 2026), NAPHIA State of the Industry 2026, Trupanion claims examples. Last checked October 20, 2026. Method on the methodology page.