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Find the Best Pet Insurance Companies in Buffalo, NY

When Buffalo residents’ cats or dogs need urgent or emergency care, pet insurance helps pay for the costs. The Buffalo News has partnered with ConsumerAffairs to create this guide by comparing consumer reviews and local availability of 25 businesses and choosing five favorites from the top pet insurance companies in Buffalo.

Companies pay ConsumerAffairs to be authorized, and The Buffalo News and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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How does pet insurance work in New York?

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Pet owners all want to protect their furry friends. Finding the right pet insurance for a dog or cat can save you money after trips to the veterinarian for illnesses or accidents. These policies reimburse you for visits to any licensed veterinarian in New York. After going to the vet, you submit a claim to the pet insurance company for reimbursement. The reimbursement amount depends on your policy, but usually ranges from 70% to 90% for qualifying visits.

Pet insurance also includes an annual deductible amount and annual limit. The deductible, or the amount you have to contribute before the company starts paying, is often between $100 and $1,000. The annual limit, or the maximum amount the insurance company will pay in a year, ranges from several thousand dollars to $30,000 or more.

What pet insurance covers:

Pet insurance generally covers:

  • Accidents, like swallowed objects or broken bones
  • Illnesses, like cancer, arthritis or a urinary tract infection
  • Genetic conditions that show up later in life, like hip dysplasia
  • Behavioral issues
  • X-rays, MRIs and ultrasounds
  • Surgery
  • Medications
  • Alternative therapies, like acupuncture or hydrotherapy

What pet insurance doesn’t cover:

Pet insurance policies don’t cover:

  • Preexisting conditions
  • Preventive care or wellness visits
  • Breeding care
  • Cosmetic procedures
  • Injury or illness resulting from neglect or cruelty

When you sign up for pet insurance in Buffalo, you usually have to wait for at least 14 days for coverage to start for illnesses. Accidental coverage may start sooner.

Additional pet care resources in Buffalo

Pet insurance is one way to make sure your pet is well cared for. Other veterinary and pet care resources are also available in Buffalo, including:

  • Buffalo Small Animal Hospital: Buffalo Small Animal Hospital is a comprehensive animal hospital offering diagnostic procedures, in-house testing and preventive care to Buffalo pet owners. Microchipping and grooming services are also available. Book an appointment online at buffalovet.com. Buffalo Small Animal Hospital is located at 243 S. Elmwood Ave., Buffalo, NY 14201.
  • City of Buffalo Animal Shelter: The City of Buffalo Animal Shelter provides shelter, food and care to abandoned or lost animals. On top of finding loving homes for adoptable pets, the shelter also works to reunite lost animals with their families. The City of Buffalo Animal Shelter is located at 380 N. Oak St., Buffalo, NY 14203.
  • SPCA Serving Erie County: The SPCA Serving Erie County works to protect, rescue and enhance the lives of animals, along with educating others about the bond between animals and humans. The humane society organization cares for over 12,000 animals each year and provides animal transports, clinical services and adoptions. The SPCA Serving Erie County is located at 300 Harlem Road, West Seneca, NY 14224.

Buffalo pet insurance FAQ

How much is a vet visit in Buffalo?

A routine vet visit, including a wellness exam, in Buffalo starts at around $50. If your pet needs shots, testing, medications or procedures, the cost can rise quickly.

Do all Buffalo veterinarians accept pet insurance?

Unlike with health insurance for humans, you don’t have to search for an “in-network” veterinarian. With pet insurance, you can visit any veterinarian, then seek reimbursement from your pet insurance company.

What can I do if I can't afford a vet in Buffalo?

Many cities, including Buffalo, have clinics that offer discounted veterinary services. These clinics offer basic wellness care, including physicals, diagnostic tests and vaccines.

Do any pet insurances cover preeexisting conditions in New York?

No, pet insurance companies don’t cover preexisting conditions. However, each insurer’s definition of a preexisting condition is different, so be sure to read the fine print or ask the insurer about coverage.

What are common preexisting conditions in cats?

Common preexisting conditions in cats include diabetes, kidney disease and hyperthyroidism.

Is pet insurance worth it in New York?

While pet insurance won’t cover the costs of routine vet visits, it’s helpful to have in case of an emergency. Visits to the vet are expensive, and pet insurance reimburses you for up to 90% of the costs.

Buffalo pet insurance company information

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance provides complete and accident-only coverage for dogs and cats. Pet owners receive a 10% discount for insuring more than one pet. Customers can customize their pet insurance to include an unlimited coverage limit, a deductible as low as $100 and 70% to 90% reimbursement.

ASPCA Pet Health Insurance Learn More

Embrace Pet Insurance

Embrace Pet Insurance provides comprehensive illness and accident coverage for pets in Buffalo and nationwide. Plans cover surgery, hospitalization and specialist care. The company also offers several discounts, including the “Healthy Pet Deductible,” a multiple pet discount, a military discount and an employee benefits discount. There is a 14-day waiting period for illness coverage and two-day waiting period for accident coverage. Annual reimbursement limits range from $5,000 to $30,000, and deductibles from $200 to $1,000 are available.

Embrace Pet Insurance

Spot Pet Insurance

Spot Pet Insurance provides customizable pet insurance options for cats and dogs. The company also offers accident-only pet insurance, starting at $15 a month. Spot Pet Insurance covers items such as medical supplies, behavioral treatments and prescription medications. Plans come with a 30-day money-back guarantee.

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Terranova Insurance Services

Terranova Insurance Services is an independent insurance agency that provides customers with pet insurance for their furry friends. Contact the agency using the online form or by phone for a free quote. Terranova Insurance Services is located at 6546 E. Quaker St., Orchard Park, NY 14127.

Terranova Insurance Services


Geico offers pet insurance to help cover the cost of veterinarian bills related to illnesses, accidents, dental care and more. Its policies reimburse up to 90% of the vet bill. Plans start at $1 a day. Discounts are available for spayed and neutered pets, paying in full and insuring multiple pets. Geico is located at 1102 Union Road, First Floor, Buffalo, NY 14224.