5 Best Pet Insurance In New Jersey


As a pet owner based in the Garden State, New Jersey, getting the best pet insurance will help keep your furry friend safe and healthy should be your priority.

New Jersey is a nice area and a great place for pets. Even research has it that over 2,878,037 cats and dogs were living in the state as of 2018.

As a result, there are numerous pet insurance companies in New Jersey and it might be a bit challenging to select the best.

It is for this reason that we have put together some of the best pet insurance companies in New Jersey in this article.

Also, you will learn how pet insurance works in New Jersey and why you need to insure your pets.

Before we get into the details, let’s see some things to consider before enrolling your pet in an insurance program.

You may also like to read about the 4 Best Pet Insurance In Colorado

Things to Consider Before Getting a Pet Insurance

Here are the few vital considerations you should make before enrolling in any insurance policy:

  • Are there multiple pet insurance discounts?
  • What are their additional benefits? Does it entail, Wellness Coverage, Free Routine Checkups, or Prescription Drug Coverage?
  • What type of coverage do they offer?
  • Are there any age restrictions on my pet?
  • How much does the coverage cost?
  • Finally, what are others saying about the company?

Interestingly, all these questions and more have been answered in this article concerning pet insurance in New Jersey.

First, let’s begin with how pet insurance works in New Jersey.

See also, the 4 Best Pet Insurance In Connecticut (CT).

How Does Pet Insurance In New Jersey Work?

The cost of your coverage is determined by a variety of factors by the insurance companies when you apply for a pet plan. 

Your pet’s age, gender, breed, and location are a few of the deciding factors.

Your policy’s terms and degree of reimbursement also affect pricing. 

Fortunately, many pet insurance providers let you adjust your plan by choosing your reimbursement amount.

These key phrases will assist you in searching for pet insurance in New Jersey.

1. Premium:

The premium is the amount you pay each month to maintain your policy in effect. 

It is wise to buy insurance early in your pet’s life because policyholders typically pay less for younger pets. 

However, be aware that some insurers increase the price of coverage as your pet gets older.

2. Deductible:

Your pet insurance deductible is the sum you must pay out-of-pocket before the insurer starts to pay for services. 

Depending on the insurer, you can often choose a deductible amount ranging from $50 to $1,000. 

It’s important to note that choosing a smaller deductible will increase the monthly cost of your policy.

So, the best advice: don’t choose a deductible that is too high or too low, stay on the average level.

3. Reimbursement Level:

This reimbursement level is basically the amount your insurance company will reimburse you as well as the portion of the vet bill you must pay.

Pet insurance companies usually provide you the option to choose your amount of reimbursement; typical choices include 70%, 80%, or 90%.

While some issuers will provide you with complete compensation.

If for instance, you choose a 70% reimbursement level, you will be responsible for 30% of the vet cost.

Now, it’s important to note that choosing a lower reimbursement level will reduce your monthly cost but you will have to pay more vet bills.

4. Annual Coverage Cap:

Some pet insurance companies have a certain annual coverage limit they can attain to a policy.

What this means is that they can only pay claims up to a certain amount in a year.

Your yearly coverage maximum is often your choice, and the common range for limitations is $5,000 to $10,000.

The cost of your plan will often decrease if you choose a smaller coverage cap.

Although, there are some pet plans that offer unlimited coverage options.

Now you know how it works, let’s learn about some of the best pet insurance companies in New Jersey.

Read also, How Does Multi-Pet Insurance Work? – A Complete Guide.

Top 5 Best Pet Insurance Companies In New Jersey 

There’s no doubt that in New Jersey there are so many pet owners whether dog and cat, birds, or any other type of pet.

The most important thing you need to do is to ensure that they are well cared for with very good quality health care coverage.

In order for you not to be left with outrageous vet bills, it would be really helpful for you to have a policy in place, if something ever happened to your pup.

Fortunately, there are several companies that provide pet insurance in New Jersey, allowing you to make sure your pup is well taken care of.

Here are some of the best companies in New Jersey.

1. Spot Pet Insurance.


Spot Pet Insurance is an easy method to guarantee that your pet gets the necessary medical treatment when it’s most required. 

They’re easy to use; all you have to do is visit your veterinarian, submit a claim following treatment, and wait for payment. 

Additionally, you may tailor the policy to match the requirements of your pet and your budget by selecting the level of coverage you choose.

How Much Does Spot Pet Insurance In New Jersey Cost?

The average monthly cost for dogs is about $30 to $50, and the average monthly cost for cats is about $18 to $25. 

The pet insurance company Crum & Forster underwrites Spot. The spot is customizable with an annual maximum of $2,500. 

Additionally, it offers several preventive health packages for an additional cost and a 10% multi-pet discount on animals added to the insurance. 

Plans from Spot are also available without a yearly cap.


  • No upper age limit 
  • 30 days money back guarantee 
  • Covers the veterinarian office visit fee for illness and accidents.
  • Optional wellness plan available
  • Has a 24/7 pet telehealth line
  • A low $100 deductible is available
  • Its standard plan includes microchipping.
  • Has option for unlimited annual coverage 


  • Doesn’t cover pets under eight weeks old.
  • The waiting period for accidents is 14 days

Read this article next; 3 Best Pet Insurance With Dental Coverage.

2. Lemonade Pet Insurance.


Lemonade provides a variety of insurance choices, in addition to pet insurance, Lemonade also offers home, renters, and auto insurance.

Basically, they offer a variety of coverage limits, reimbursement and deductibles, and discount options. 

Also, they offer an inexpensive boost coverage and several ads-on as a result, making it a more comprehensive coverage for your animal.

Lemonade is unique among insurance providers in that it isn’t just interested in making money.

Instead, the cost of claims is covered by premiums. Any money left over at the end of the year is donated to its clients’ favorite charities.

Lemonade has 3 types of waiting periods. The first is a 2-day waiting period for accidents, 14 days for illnesses, and 6 months for cruciate ligament injuries.

Above all, they’re the best pet insurance company when it comes to the cost of coverage making it affordable for you.

How Much Does Lemonade Pet Insurance In New Jersey Cost?

A cat typically costs $15 per month, whereas a dog typically costs $37 per month. 

For an additional fee, you can also choose to add a preventative package to your coverage. 

It starts at $10 a month for cats and goes up to $15 a month if you choose the highest level.

Depending on the level of coverage, Lemonade may offer annual deductibles between $100 to $500 and $5,000 coverage up to $100,000.

Remember that species, gender, age, and location will all affect the price, so keep that in mind.


  • Offers a 48 hours waiting period for accidents 
  • No age limit for coverage 
  • Optional wellness plan available 
  • Multiple discount programs 
  • Fast processing of claims
  • Multiple policies and riders available 
  • Offers a multi-pet discount of 10%


  • Don’t cover behavioral treatments
  • No unlimited benefits 
  • No money-back guarantee 

3. Embrace Pet Insurance.


Embrace pet insurance provides you with a variety of options for coverage, reimbursement, and deductibles within your budget.

Also, you can lower your premium with a diminishing deductible that reduces it by $50 each year you don’t have a claim paid

Their coverage includes accidents, illnesses, and other conditions. In addition, they also offer an accident-only policy.

However, when you buy an accident-only policy you won’t be covered for conditions included in accident and illness plans.

Embrace is best for older pets because they are willing to offer coverage for animals that are up to the age of 15.

In addition, all of their policies come with a 30-day money-back guarantee or a prorated refund.

If you travel with your pets on Spirit Airlines, then read about Spirit Airlines Pet Policy For Travelling With Dogs and Cats.

How Much Does Embrace Pet Insurance In New Jersey Cost?

Plans for dogs and cats cost an average of $30 to $40 a month according to Gocompare.

Remember that prices will vary according to breed, gender, age, and location.


  • Offers employers and military benefits 
  • Has a 24/7 pet telehealth line.
  • 2 days waiting period for an accident
  • Covers the veterinarian office visit fee for illness and accidents.
  • Provides an excellent range of options for annual coverage, reimbursement, and deductibles.


  • No unlimited benefits 
  • Strict pre-existing condition rules

4. ASPCA Pet Health Insurance:


ASPCA pet health insurance is one of the best due to its partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA).

They are highly recommended, they back up their products and also offer 30 days money-back guarantee.

In addition, ASPCA does not demand prior exams before enrolling, just like some other pet health insurance companies.

Also, other pet insurance companies do not cover pre-existing conditions; however, ASPCA handles pre-existing conditions that are curable.

This means that if your animal has a curable condition and is free from the treatment and symptoms for at least 180 days it can be covered.

How Much Does ASPCA Pet Insurance In New  Jersey Cost?

ASPCA pet insurance costs $48 per month for dogs and $29 for cats however, keep in mind that these costs vary based on the plan you choose, location, your pup’s age as well as the breed.


  • Covers horses in addition to dogs and cats.
  • No upper age limit 
  • Covered stem cell therapy and microchipping.
  • Includes coverage for Exam fees
  • Offers a multi-pet discount of 10%
  • Has a 24/7 telehealth line


  • It doesn’t offer unlimited annual coverage 
  • Has a 15-day waiting period for accidents

Check out this article about the Pet Insurance For Rabbits (Everything You Need To Know).

5. Healthy Paws Pet Insurance:


Healthy Paws was founded in 2009 as a nonprofit to assist pet owners with their financial responsibilities for their animals.

In order to aid animal rescue organizations with sick animals.

Aon Corporation, a leading international insurance broker, has partnered with Healthy Paws, and Chubb Group supports its line of pet insurance policies.

Accidents, illnesses, cancer, urgent care, genetic problems, dental care, and complementary treatments like acupuncture and chiropractic are all covered by Healthy Paws insurance.

How Much Does Healthy Paws Pet Insurance In NYC Cost?

Plans for dogs cost an average of $39 monthly, while the monthly cost for cats is $12.

The 30-day money-back guarantee, adaptable coverage, and a $25 one-time registration charge are the standout benefits.


  • Covers breed-specific conditions
  • No limits on coverage
  • Good BBB rating
  • Fast claim repayment


  • New member fee
  • No preventive care benefits

Continue reading let’s find out the reason why you need to buy pet insurance as a pet owner in New Jersey.

3 Reasons to Buy Pet Insurance in New Jersey 

Why should pet owners purchase insurance? 

Here are our top three reasons why you should consider pet insurance:

  1. Cost of care: New Jersey has a high cost of living, which extends to veterinary treatment as well. Vet costs won’t break the bank thanks to pet insurance, which helps pay for the cost of treatment.
  1. No delay in care: Pet insurance gives you the peace of mind to get your pet the care they need right now, without having to wait until you are paid again.
  1. Options for treatment: It’s sad to have your options for treatment restricted by your financial situation because veterinary care can be costly. 

But with pet insurance, you have the freedom to select the best course of action for your pet

Let’s learn about most of the important things to consider in finding the best pet insurance for your furry friend.

How to Find the Best Pet Insurance in New Jersey

Comparing quotes from many insurers is the easiest approach to discovering a decent deal on pet insurance. 

Free quotes are available by:

  • Utilizing a comparison site.
  • Visits to various pet insurance provider websites.
  • Getting in touch with a free agent over the phone, email, or in person.

It’s a good idea to look at the additional features or advantages offered by the pet plan in addition to comparing costs and coverage specifics.

Here are some additional coverages you need to take note of.

1. Vet Exam Fees.

Each time you visit your veterinarian, there’s always a fee you must pay to your vet to examine your pup.

Unfortunately, there are some pet insurance plans that do not cover vet exam fees.

This means you’re the one to cover this bill on your own and sometimes this might cost $100 or more.

2. Plans Offering Routine Wellness Coverage.

You need an insurance provider that offers a wellness and regular care plan if you’re seeking a pet insurance plan that covers preventive treatment.

For the fact that routine care can be quite expensive in a year, as a result adding wellness coverage to your policy can help you reduce costs.

3. Waiting Periods For Coverage.

There is a waiting period after purchasing a pet insurance policy before coverage kicks in. 

The waiting period is the same for all pet insurance providers but periods might be different.

For accident claims, one insurance company might have a one-day waiting time, while another might have a 15-day waiting period.

A shorter waiting period is important because you never know when something will happen to your pet.

Watch out for lengthy waiting times for certain conditions like hip dysplasia.

4. 24/7 vet helplines.

If for instance your cat or dog mistakenly ate a poisonous plant on a Sunday afternoon, your vet might not be able to help you through the process.

This is where your vet helpline comes in and not all pet insurance companies offer a 24/7 vet helpline to answer questions.

Embrace and Spot pet insurance companies offer a 24/7 vet helpline.

So, selecting an insurance company that offers such will put your mind at ease.

5. Your Access To Care.

When it comes to reimbursement, most top pet insurance plans will offer coverage for any licensed veterinarian or care provider.

Sometimes, some carriers require you to see a vet in a particular network that might not be close to your state.

Especially when it has to deal with alternative care providers such as behavioral therapists, chiropractors, or acupuncturists.

Ultimately, be sure the policy you’re enrolling into covers all of the care you provide your pup.

6. Examine Extra Cost.

Some pet insurance providers cover commonplace treatments like checkups and vaccines. 

Despite the fact that this may sound interesting, do the arithmetic to decide if the additional expense is worth it.

Compare the annual wellness insurance premium to the amount you would have to pay out of pocket each year for the plan’s covered treatments.

Make sure you read and understand the details enough because each pet insurance provider has a different way they handle “wellness”.

7. Multipet Discount.

There are some insurance companies that offer multi-pet discounts. For instance, Spot gives customers who insure multiple pets a 10% discount.

In addition, insurance companies also offer extra discounts like military or a claim-free discount.

8. Do They Pay Direct Vet Bills?

Owners of pet insurance policies often pay the whole vet charge before submitting a claim to their insurer for reimbursement. 

Some businesses, like Trupanion, use their distinctive claim processing software to pay the veterinarian directly. 

This is a fantastic option if you don’t want to pay the entire vet fee upfront, but be sure your veterinarian is set up to accept payment from a certain insurer by checking with them first.

Pet Laws In New Jersey 

Different state and local pet laws regulate animal ownership in New Jersey. For instance, once they turn 7 months old, all dogs need to have licenses.

Additionally, unless a registered veterinarian states that the pet cannot be vaccinated due to a medical condition, you must present proof of rabies vaccination in order to receive a valid license.

Although it is not required by state law, they strongly advise pet owners in New Jersey to spay and neuter their animals. 

The goal of New Jersey’s low-cost spay and neutering programs is to reduce the number of pets. 

You might neuter or spay your animal for $10 if you get food stamps, Medicaid, or rental assistance, for instance.

Here are some examples of local bylaws that go beyond state laws.

Newark pet laws

  • When in public areas, all dogs must be accompanied by an adult and leashed with a leash that is not longer than six feet.
  • When on public land, all dog owners are required to quickly remove and dispose of solid waste.

Paterson Pet Laws

  • You shouldn’t permit your dog to excessively bark, howl, or whine and therefore disturb the peace of the neighborhood.
  • Dogs must be restrained with a leash, tether, chain, rope, or similar that is not up to six feet when they are outside of the owner’s property. 

Additionally, the owner must have command over the dog.

Elizabeth Pet Laws

  • One person can not own more than five dogs, cats, or both.
  • You’re not allowed to restrain your pup with a choke collar or chain that won’t allow them to move freely.

Summary of the Best Pet Insurance Companies In New Jersey 

  • Spot: Most customizable Plan
  • Lemonade: Best overall most affordable 
  • Embrace: Best for determining deductibles 
  • ASPCA: Best for new pet owners
  • Healthy Paws: Best for pets with chronic conditions.


As a pet owner, knowing that your pup can receive immediate treatment whenever an emergency happens provides bliss.

Spot, Lemonade, Embrace, ASPCA, and Healthy Paws all offer amazing pet insurance policies in New Jersey.

Although, it’s important you check and compare quotes from 2 to 3 providers in order to compare their coverage and pricing.

Also, you must be conversant with pet laws in New Jersey as well as some bypass laws in order to keep your pup safe.

We hope this article provides you with all the information you need as well as the guides you require to get pet insurance in New Jersey 

Frequently Asked Questions

Who Has The Cheapest Pet Insurance In New Jersey?

Lemonade and Spot are two of New York City’s most affordable pet insurance companies. 

The zip code, the age, and the breed of your dog or cat, as well as the coverage limits you select, will all affect how much insurance will ultimately cost.

Do Vets In New Jersey Accept Pet Insurance?

Pet insurance companies don’t need to have a direct relationship with vets like your health insurance company does since you submit your own claims rather than having the veterinarian handle them for you.

This implies that your pet insurance company can work with any licensed veterinarian in the country.

Do pet insurance companies In New Jersey only Cover Dogs and Cats?

Most pet insurance companies only have coverage for cats and dogs but this is not the case for all companies.

Companies like ASPCA have coverage for horses while Nationwide has a policy for birds and exotic animals.

Do Pet Insurance in New Jersey Cover For Pre-existing Conditions?

Basically, pet insurance policies don’t cover any health condition that occurs prior to the time of enrollment or during the waiting period.

Some issuers like ASPCA cover pre-existing conditions that are curable and free from symptoms for at least 180 days.

What Are The Best Pet Insurance For Dogs?

When it comes to getting the best insurance companies for your dog, it can be a little bit stressful.

Having the best policy for your dog will hove you leave of mind here is our best pick

  • Lemonade 
  • Spot
  • Embrace 

What Are The Best Pet Insurance For Cats?

The best pet insurance companies for your cat or kitten are:

  • Lemonade 
  • Embrace 

Do Pet Insurance companies Cover Spaying and neutering?

Most pet insurance companies in New Jersey do not cover spaying and neutering.

Nevertheless, Embrace offers a wellness package that you can add to your policy that covers it.

Is Pet Insurance Worth The Money In New Jersey?

Pet insurance can help with the costs and ensure that your pet receives prompt treatment because vet fees can be high when your animal becomes ill or hurt unexpectedly. 

In addition, you may set up your premium so you only pay for what your pet needs because many providers offer plan customization.


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