By Dan Simms
Updated Jan 12, 2023
We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.
New Jersey is far from the most pet-friendly state, with fewer than 50% of homes owning pets and few pro-pet laws in place. But that makes pet owners in The Garden State all the more protective of their furry friends. For most residents, that means finding the best pet health insurance.
In this guide to the best pet insurance companies in New Jersey, we outline the top nine insurance providers in the area based on plan prices, quality of coverage, and other factors.
Below is a brief list of the top nine pet insurance companies in New Jersey and why we chose each.
The table below offers a quick look at how New Jersey’s top pet insurance companies compare. The monthly premium estimates are averaged based on typical pricing for a single dog—a mixed breed of around 60 pounds and under a year old—and a single cat—a mixed breed weighing in at around 10 pounds and under a year old. Your premiums, deductibles, and other costs can vary based on your pet’s size, breed, age, risk of hereditary conditions, and more.
|Provider||Premiums||Deductible||Reimbursement Rates||Annual Limits||Coinsurance||BBB Rating*|
|Lemonade||$15 to $50||$100, $250, or $500||70%, 80%, or 90% (based on deductible)||$5,000, $10,000, $20,000, $50,000, or $100,000||90%, 80%, 70%, or 60%||D|
|Spot||$15 to $25||$100, $250, $500, $750, or $1,000||70%, 80%, or 90%||$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited||30%, 20%, or 10%||A|
|Wagmo||$20 to $59||$250, $500, or $1,000||90% or 100%||$5,000, $10,000, or unlimited||10% or 0%||B-|
|Embrace||$25 to $55||$200, $300, $500, $750, or $1,000||70%, 80%, or 90%||$5,000, $8,000, $10,000, $15,000, or $30,000||30%, 20%, or 10%||A+|
|Healthy Paws||$30 to $65||$250 or $500||70% or 80%||Unlimited||30% or 20%||A|
|Figo||$15 to $74||$100 to $750||70%, 80%, 90%, or 100%||$5,000, $10,000, or unlimited||30%, 20%, 10%, or 0%||B+|
|Fetch Pet Insurance||$35 to $45||$250 to $1,000 (in $50 increments)||70%, 80%, or 90%||$5,000, $10,000, $15,000, or unlimited||30%, 20%, or 10%||A+|
|Trupanion||$47 to $140||Up to $1,000 with a high degree of customization||Up to 100%||Unlimited||10%||Not Rated|
* Better Business Bureau Ratings are accurate as of December 2022.
Lemonade has a lot to offer New Jersey pet owners. First and foremost, its policies offer excellent value relative to their price. Monthly premiums start at just $15, well below the industry average of $55, and the coverage is extensive.
The company offers a nice array of customization options, allowing you to get a custom-fit plan for your needs. You can choose from three deductibles, three payout rates, and five coverage limits. There is no unlimited coverage option, but the highest limit is $100,000, which should be plenty for most pet owners.
Lemonade is also a standout choice in New Jersey because it offers a fully online experience. The company’s mobile app can make claims and track your deductibles and account history.
Lemonade maintains low monthly pricing for all of its plans, many of which come in below the average for New Jersey of $55. Even with the low price, these plans still provide high payout limits—up to $100,000—and robust coverage that includes breed-specific issues and hereditary conditions like hip dysplasia, emergency care for conditions such as broken bones, and wellness visits in some cases.
Get a quote: You can get a free pet insurance quote from Lemonade to see if the company can meet your needs and fit into your budget.
Spot Pet Insurance is the best option if you’re looking for a fully customized plan. This company offers access to three reimbursement rates, five deductible amounts, and seven payout limits ranging from $2,500 to unlimited.
Spot is one of the few pet insurance companies in New Jersey that maintains an A rating with the BBB and has mostly positive customer reviews online.
Spot is also one of our top picks because its coverage has no age limit, making it suitable for young animals, seniors, and everything in between. Plus, while the coverage is affordable, it includes some unique perks, like coverage for behavioral issues and prescription pet food.
Spot’s coverage plans offer coverage for a wealth of items and situations, some of which are not offered by its competitors. It includes coverage for prescription pet food for dogs or cats with allergies, behavioralist visits, acupuncture, physical therapy, and other alternative therapies.
Plus, customization options for monthly premiums and coverage limits give you more control over what does and doesn’t get covered. You only pay for what you need.
Get a quote: You can get a free quote from Spot Pet Insurance to see how the cost and quality of coverage stack up against the competitors.
Wagmo is our top choice for New Jersey pet owners who want peace of mind that their routine vet visits include checkups, dental cleanings, and vaccinations. Wagmo provides wellness-only insurance plans, which are a great way to help avoid health issues in the future. The company also has general insurance and illness plans that include wellness coverage options.
Wagmo is a little more expensive than most other providers, but it has great payout rates and high coverage limits, including unlimited coverage.
Wagmo’s monthly premiums range from $20 to $59, which can be above the average in New Jersey. However, they come with high reimbursement rates and payout limits—including an unlimited plan.
Wagmo’s plans come with a good degree of customization, with three deductible options, three annual payout limit options, and two reimbursement/coinsurance options. All of these plans provide great coverage for the money, in our opinion, despite being slightly above average in cost.
Get a quote: Wagmo offers free quotes for pet insurance, so you can easily compare the cost and value of the plan to quotes from competitors in your area.
Since New Jersey residents have a higher cost of living, most pet parents will naturally look for affordable coverage options for their furry friends. Embrace Pet Insurance is our top affordable pick, with monthly premiums well below average. You’ll also find discounts and other options for reducing your monthly premium.
Every year you go without a claim, your annual deductible will drop by $50. You can even get your deductible down to $0 by avoiding claims, making this the most affordable plan.
Embrace has pet insurance plans that are super affordable, especially if you take advantage of the available discounts and reduce your annual deductible by avoiding claims. The company provides good coverage for the money, even without these deductions and savings.
However, Embrace doesn’t offer coverage for pre-existing conditions or more holistic treatments, like chiropractic treatment, physical therapy, or acupuncture.
Get a quote: If Embrace is a good fit for you, we recommend requesting a free quote for coverage to see how it compares to quotes from other providers.
For New Jersey pet owners looking for the peace of mind that they’ll always be covered, we recommend Healthy Paws. This company has unlimited coverage in all of its plans, so you’ll never max out the amount you can receive to care for your pet. This can be especially beneficial for pet owners who expect their pets to have serious health issues in the future.
Healthy Paws’ coverage kicks in in just two days. The company has an A rating with the BBB and mostly positive customer reviews.
Pricing on Healthy Paws plans comes in around the average for the industry, and the coverage is about average as well. The plans don’t include wellness visits, although most issues are covered. Pre-existing conditions, however, are not.
Although the annual premiums are relatively inexpensive, we’d love to see better coverage and customization options, even if they came with higher annual payments. The plans are somewhat limited, and you have few choices for deductibles, coverage, and payout limits. However, the unlimited coverage in the company’s plan options is outstanding and can put pet owners’ minds at ease.
Get a quote: You can request a free quote for pet insurance from Healthy Paws to see if the coverage and cost match your needs and budget.
Since most New Jersey pet owners have multiple pets, the multi-pet policies offered by Pawp may be an excellent choice. Each policy is super affordable and can cover up to six pets, including those from multiple species.
Instead of traditional pet insurance, Pawp offers memberships to its customers that grant them access to the company’s in-house veterinarians. The membership is just $24 per month and can cover things like diagnostic fees, exam fees, imaging like X-rays, and even wellness visits for an additional fee. However, Pawp doesn’t have the most comprehensive coverage and isn’t a great choice if you’re expecting to need high-cost medical care.
Pawp is more affordable than most competitors, though its offerings are significantly different. Your $24 monthly membership provides access to its network of veterinarians, covers some routine care like exam fees, and can provide discounts on medication, supplements, and prescription pet food. You can also pay a bit more to include wellness visits in your plan.
This plan is great for pet owners looking for general coverage without protection for major medical expenses. Many customers supplement this plan with another emergency-only plan that covers hospitalization.
Get a quote: You don’t need to get a quote from Pawp, since all members pay the same amount. You can sign up on Pawp’s website to access its benefits.
If you’re looking for insurance coverage that kicks in quickly to keep your pet safe as soon as they come home with you, then Figo is probably your best bet. Within 24 hours of joining, your pet will be fully covered. This is a significantly shorter wait time than nearly every other competitor.
Figo’s coverage includes a 100% reimbursement rate option, which is also uncommon in the pet insurance industry. There is room for customization of deductions, coinsurance, and annual payout limits, so you can secure a coverage plan that suits you, your pet, and your wallet.
Another thing that makes Figo stand out is the coverage it offers for pre-existing conditions. This is a rarity in pet insurance and might make Figo the ideal company for you.
The monthly cost for Figo’s plans ranges from about $15 to $74, depending on your selected options. Your actual premium will depend largely on the reimbursement rates, the annual payout limits, and the deductible you choose. All plans provide good value, but some are naturally more costly than others.
Figo’s coverage caps can be up to unlimited, and its payout rate can go as high as 100%. Those options can provide you with ultimate peace of mind, which most other companies cannot offer.
Get a quote: You can request a free quote from Figo to see the cost of plans that work for you and your budget.
For New Jersey pet owners looking to pamper their pets with luxury health care, Fetch is our top recommendation. This company provides outstanding options that most other providers don’t, including coverage for acupuncture, chiropractic care, and physical therapy. This can be an attractive option for owners of highly active breeds.
Unfortunately, Fetch doesn’t include coverage for wellness visits. However, its plans are relatively affordable, and it has some great customization options.
Fetch’s plans start at $35, which is higher than most baseline plans from other companies. However, monthly premiums top out at just $45. You can customize your annual deductible, payout rate, and compensation maximums within that premium range. The most inclusive plan includes unlimited coverage, an outstanding value for the money.
The coverage included in Fetch’s insurance plans is also highly unusual, including coverage for holistic treatments, physical therapy, chiropractic care, and acupuncture. Unfortunately, none of the plans include coverage for wellness visits.
Get a quote: Fetch provides free quotes for its insurance coverage, making it easy to compare its price and included items with those from other companies.
For New Jersey pet owners wanting the most flexibility in their deductibles, Trupanion is the best option. This company offers deductibles from $0 up to $1,000, with numerous options in between. The $0 deductible is ideal for pet parents looking for total coverage with minimal out-of-pocket costs, while the $1,000 deductible can be a good option for emergencies only.
Trupanion is a highly trusted and respected name in the industry, with policies underwritten in-house by its parent company, the American Pet Insurance Company.
Trupanion is unique in how it handles payout limits. Rather than providing limits for annual payouts, it uses per-condition payout caps. That means that you’ll have unlimited annual coverage, but larger expenses for a single condition might reach a cap and require out-of-pocket costs. This can be a pro or a con, depending on what kind of coverage you’re looking for.
Trupanion’s coverage plans range from $47 to $140, so you’ll be paying more for insurance from this company than you would from most others. The company also offers little customization, with just a single option for reimbursement percentage and annual payout limit.
The cost of coverage from Trupanion depends largely on the premium you choose. This is one of the only providers that offers a $0 option for deductibles. You can choose from a myriad of options ranging from $0 up to the maximum of $1,000, depending on your risk tolerance and the peace of mind you’re looking for.
Get a quote: We encourage you to get a free quote from Trupanion to see where coverage for your pet falls.
It’s important to choose a pet insurance plan that meets your and your pet’s needs; not all plans are the same. Here are some of the most important factors to consider when choosing a pet insurance policy in New Jersey.
With the cost of living about 15% above the national average, New Jersey can be a pricey place to live. Your pet insurance doesn’t have to be another burden. Compare prices between similar plans, but remember that cost isn’t everything. Weigh the cost of each plan against the quality of the coverage you get for the price.
Every pet insurance plan you consider will differ depending on the conditions and treatments it covers, what’s excluded, and how you’ll pay for them. Consider what types of care your pet is likely to need, like neutering and spaying, wellness care, and microchipping, and make sure you understand which plan will benefit you most.
When you’re insuring your pet, you’ll need to choose between three plans:
Accident-only pet insurance is only good for covering accidents. Coverage can include broken bones, lacerations, poisoning from ingestion, and other major injuries that occur because of accidents.
Accident-and-illness plans include everything in the accident-only plans but also provide illness coverage. These plans cover illnesses such as bacterial infections, routine sick visits, and procedures like surgeries and lab tests.
Comprehensive pet insurance provides the best coverage but comes at the highest cost. In addition to everything in the previous two plan options, comprehensive plans will cover wellness visits, routine checkups, and vaccinations. Some of the best comprehensive plans will also cover physical therapy, neutering, spaying, chiropractic care, and acupuncture.
Most pet insurance plans include a coverage limit, or a maximum amount the company will pay out in a year. Understanding coverage limits is essential to saving with pet insurance. Many also have exclusions on pre-existing conditions.
Some pet insurance companies get universally rave reviews. Others are more mixed. We recommend looking at each company’s customer service reviews before choosing.
The deductible is your out-of-pocket cost when you file a claim before insurance coverage takes over. The higher your deductible, the lower your premiums tend to be—but the more you’ll pay before your insurance picks up the bill.
Some insurance companies are entirely online, making it convenient to file claims and keep track of deductibles paid. However, other companies with local branches can provide a more personal experience, if that’s what you prefer.
The reimbursement rate is the percentage of your total vet bills your insurance provider will pay after your deductible is met. For example, a 90% reimbursement rate means your pet insurance company will pay 90% of the vet bill once you’ve met your deductible. High payout rates often come with a higher monthly premium, but they also save you more in the long run.
Most states have laws related to cats, dogs, and other animals that can be important to consider when purchasing pet insurance. Here are some of the more important laws in New Jersey’s larger cities.
Overall, we recommend Lemonade for pet insurance in New Jersey. The company provides relatively low monthly premiums, which can help New Jersey pet owners keep down their costs in an expensive state to live in. Lemonade also offers extensive coverage that provides peace of mind without going overboard.
While Lemonade is our top pick, we are comfortable recommending any of the companies above. They all provide outstanding quality for the cost, and each one brings something unique to the table that might benefit you.
Best of all, these companies all have good customer reviews and track records, so you can rest assured that the coverage you receive is worth the money.
On average, a pet insurance policy in New Jersey will cost around $55, but some companies provide coverage for as little as $15 per month.
Some of the more expensive pet insurance companies have plans that go up to around $140 per month, but these coverage plans have special perks like $0 deductibles and unlimited payouts.
The average dog owner in New Jersey will pay about $55 per month for dog insurance. Monthly premiums can range from about $25 per month up to $140 per month. Plans with higher costs typically have lower deductibles, higher payout caps, and more inclusive coverage.
Cat insurance in New Jersey costs an average of $35 per month, though premiums can range anywhere from $15 to about $115. Costs can be brought down if you take advantage of multi-pet discounts and other perks.
More Pet Insurance Resources