Pet insurance on Long Island.

How pet insurance works

You pay a monthly premium. When something happens, you submit the vet bill — most insurers reimburse you, a few pay your vet directly. You pay your deductible plus your copay (usually 10-30%). Pre-existing conditions are excluded, so the time to enroll is when your pet is young and healthy, not after a problem starts.

What it actually costs on Long Island

• Puppy (under 1 year): $25–$60/month for accident + illness
• Adult dog (3–7 years): $40–$90/month
• Senior dog (8+): $90–$200/month — and harder to insure at all
• Cat (any age): $15–$45/month — generally cheaper than dogs
• Wellness add-on: $10–$30/month extra if available