New York pet insurance for dogs and cats
Protecting beloved pets for over 25 years
Vet bills can be paid directly at checkout
Lifetime coverage with no payout limits
See any licensed vet, specialist, or emergency animal hospital
The best pet insurance choice in New York State
Whether they’re your wilderness adventure buddy or cozy apartment roommate, all dog and cat breeds are welcome at Trupanion. We help cover unexpected vet costs so you can say “yes” to medical treatment your pet needs without stressing about how to pay the full bill.
Our coverage is so robust and efficient, veterinarians rated #1 in America!
1 in 3 pets need unexpected care each year
Pets are unpredictable. With Trupanion, up to 90% of your vet bill can be paid right at checkout — no waiting for reimbursement needed. Though even if your vet doesn't have our software, nearly 2 out of 3 invoices are processed in less than 24 hours.
See how Trupanion helped Dusty in Westchester
In 2012, Dusty the dog was diagnosed with a brain tumor which was causing seizures. In just one year, his bills totaled $10,241.78
Based on Dusty’s claims:
$10,241.78
Trupanion paid:
$9,217.60
Dusty’s parent paid:
$1,024.18
Total invoice based on a real member plan with 90% coverage on eligible costs and a $0 deductible applied. See our policy for full coverage details.
What about the cheapest New York pet insurance?
You and your pet deserve fair coverage with transparency. It’s tempting to go with the pet insurance option with the cheapest monthly price, but be aware that this is can come with hidden catches like cost increases and restricted coverage.
But with Trupanion, your pet comes before everything else.
Will my coverage reduce over my pet's lifetime?
No. Unlike other providers, we don’t decrease your coverage year-to-year, so you can count on top-tier protection for the life of your pet.
Will my price increase simply because my pet gets older?
No. Trupanion is one of the only pet health insurance providers that does not practice birthday pricing. While your cost can still change over time due to things like inflation and advances in veterinary care, Trupanion will never increase it just because your pet gets older.
Will I pay more because I use my coverage?
No. You'll never pay more just for using your coverage and we encourage you to utilize your policy as often as needed. Your Trupanion policy is designed to cover new, unexpected illnesses and injuries for the life of your pet.
Love without limits in the Empire State
We keep pet insurance simple by providing high-quality coverage so you can access the best veterinary treatment available. Though other providers cut costs by restricting their payouts, Trupanion will never cap what we pay.
Your love for them has no limits. Why should their coverage?
No payout limits
Unlike other providers, we don't limit our payouts so your pet is covered no matter the cost.
No annual limits
With no payout limits, you don’t have to worry about when or how many times your pet gets sick or injured.
No lifetime limits
Trupanion is by your side with robust coverage and no payout limits for the life of your pet.
Why New York pet parents love us
And it’s not just New Yorkers. Over 98% of all members choose to renew with Trupanion month after month!
No payout limits
We cover your pet’s condition for life with no cap on what we pay.
We pay bills the fastest
We can pay your veterinarian directly at checkout within seconds so you don’t have to wait on reimbursement.
Trusted by vets
We’re #1 in America as chosen by veterinarians, thanks to coverage you can count on.
Coverage that delivers
We’ve paid out over $3 billion in claims and counting, enabling pets like yours to get the care they deserve.
New York pet parenting advice
Life with pets is unpredictable. Get useful tips from the Trupanion team on all the ways you can protect them.
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We’re always ready to help
Our customer care team is available 24/7/365.
