Post by doglover on Nov 22, 2024 18:31:25 GMT
Best Pet Insurance New York
| Provider | Monthly Cost | Annual Coverage Limits | Reimbursement Rates | Deductibles | Waiting Periods |
|---|---|---|---|---|---|
| Figo | $36.24 | $5,000 | 90% | $500 | 1 day for accidents; 14 days for illnesses |
| Lemonade | $26.31 | $20,000 | 90% | $500 | 2 days for accidents; 14 days for illnesses |
| Fetch | $49.12 | $5,000 | 90% | $500 | 15 days for accidents and illnesses |
| ASPCA | $44.84 | $5,000 | 90% | $500 | 14 days for accidents and illnesses |
| Embrace | $52.00 | $5,000 | 90% | $500 | 2 days for accidents; 14 days for illnesses |
1. Figo
Figo is a top choice for New York pet owners, offering a 100% reimbursement option and unlimited lifetime coverage. Their app is designed for easy management of claims and policies.
Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 1 day for accidents; 14 days for illnesses
Pros:
- No upper age limit
- Convenient app for policy management
- Short waiting period for accidents
Cons:
- Pre-existing conditions not covered
Learn more about Figo
2. Lemonade
Lemonade stands out for its quick claims processing using AI, making it a perfect fit for busy New Yorkers who value efficiency.
Features:
- Annual Coverage Limits: $20,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 2 days for accidents; 14 days for illnesses
Pros:
- Affordable pricing
- Customizable policies
- Discounts when bundled with other Lemonade products
Cons:
- Limited availability for alternative therapies
Learn more about Lemonade
3. Fetch
Fetch provides flexibility for New Yorkers, allowing you to visit any licensed vet in the U.S. or Canada. Their policies are ideal for urban pet owners.
Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 15 days for accidents and illnesses
Pros:
- Alternative therapies included
- No upper age limit for enrollment
- Quick claim reimbursement
Cons:
- No coverage for preventive care
Learn more about Fetch
4. ASPCA
The ASPCA plan is designed for comprehensive coverage, including behavioral and alternative therapies. It’s a reliable option for pet owners in New York City.
Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 14 days for accidents and illnesses
Pros:
- Multi-pet discounts
- Behavioral issues covered
- No upper age limit
Cons:
- Lower annual coverage limits
Learn more about ASPCA
5. Embrace
Embrace offers a unique diminishing deductible feature and wellness add-ons, making it a popular choice for routine care coverage.
Features:
- Annual Coverage Limits: $5,000
- Reimbursement Rates: 90%
- Deductibles: $500
- Waiting Periods: 2 days for accidents; 14 days for illnesses
Pros:
- Wellness coverage available
- Discounts for military families
- Covers alternative therapies
Cons:
- Limited coverage for pets over 14 years old
Learn more about Embrace