Pets Best is the best pet insurance company in New Jersey, based on our in-depth analysis of accident and illness plans. While Pets Best doesn’t have the most affordable pet insurance in New Jersey, it gets top marks for offering unlimited coverage, having a 24/7 pet health line and including coverage for behavioral therapy and end-of-life expenses. With Pets Best, you can also opt to add a wellness plan for more comprehensive coverage.
The best pet insurance companies in New Jersey of 2024
- Pets Best: Best pet insurance in New Jersey.
- Embrace: Best pet insurance with diminishing deductible in New Jersey.
- ManyPets: Best pet insurance with included exam fees in New Jersey.
- Lemonade: Best for cheap pet insurance in New Jersey.
- Fetch: Best pet insurance for military in New Jersey.
- Figo: Best pet insurance for quick accident coverage in New Jersey.
- Healthy Paws: Best flexible pet insurance in New Jersey.
How much does pet insurance cost in New Jersey?
Pet insurance in New Jersey costs an average of $39 per month for an accident and illness plan with unlimited annual coverage (or highest offered by that company), a $500 deductible and a 90% reimbursement percentage.
Several factors affect how much pet insurance in New Jersey costs, including:
- Annual coverage limit.
- Deductible amount.
- New Jersey ZIP code.
- Pet insurance company.
- Reimbursement percentage.
- Your pet’s species, age, size and gender.
We compare average rates for top-rated New Jersey pet insurance companies below.
| TOP-RATED PET INSURANCE COMPANY | MONTHLY COST FOR $5,000 ANNUAL COVERAGE | MONTHLY COST FOR UNLIMITED ANNUAL COVERAGE | LEARN MORE |
|---|---|---|---|
 Lemonade |
$10 | $20 | Compare QuotesVia Petted’s website |
 ManyPets |
– | $25 | Compare QuotesVia Petted’s website |
 Pets Best |
$26 | $32 | Compare QuotesVia Petted’s website |
 Figo |
$27 | $39 | Compare QuotesVia Petted’s website |
 Healthy Paws |
– | $40 | Compare QuotesVia Petted’s website |
 Embrace |
$29 | $41 | Compare QuotesVia Petted’s website |
 Fetch |
$33 | $41 | Compare QuotesVia Petted’s website |
 MetLife |
$29 | $58 | Compare QuotesVia Petted’s website |
 Trupanion |
– | $60 | Compare QuotesVia Petted’s website |
Vet costs in New Jersey
How much you pay for veterinary care will vary based on your location. Here are average veterinary costs in these New Jersey cities, according to Banfield Pet Hospital.
| NEW JERSEY CITY | VET OFFICE VISIT | VACCINES* | PROFESSIONAL DENTAL CLEANING | SPAY/NEUTER |
|---|---|---|---|---|
| Newark | $76 dog$81 cat | $303 dog$102 cat | $429 dog$449 cat | $520 dog$317 cat |
| Jersey City | $81 dog$81 cat | $233 dog$102 cat | $449 dog$449 cat | $536 dog$317 cat |
Average pet insurance claim amount in New Jersey
In March 2024, the average New Jersey pet insurance claim was $482, according to data from Embrace pet insurance. New Jersey had the eighth-highest pet insurance claim average in the nation that month:
- Washington, D.C. – $623
- Massachusetts – $527
- California – $525
- Nevada – $515
- Washington – $503
- Oregon – $491
- Arizona – $483
- New Jersey – $482
- Virginia – $482
- New York – $474
How to find the best pet insurance rate for you in New Jersey
Follow these steps when you’re ready to compare pet insurance rates in New Jersey:
- Compare pet insurance quotes from several companies. Get free pet insurance quotes from the pet insurance company website, a comparison website or by contacting an independent insurance agent in person, by email or by phone.
- Provide information about your pet. You may have to answer a few questions about your pet’s age, breed, species and overall health.
- Provide information about yourself. This can include your name, email address, phone number and ZIP code.
- Build a custom pet insurance plan. Choose your deductible, annual limit and reimbursement level — see how different options affect the pet insurance premium you’ll pay. Consider adding optional coverage for wellness visits, veterinary exam fees and other riders that may be available. Determine the best balance of your coverage needs with your budget.
- Check for any discounts. Insurers may offer discounts for insuring multiple pets with the company.
How to compare New Jersey pet insurance plans
Before you buy, make sure you dig into a pet insurance plan’s details. Don’t just consider the cost; there are a few more factors to consider.
Exam fees
When the vet sees your pet, there is usually an exam fee included in your bill. Only some pet insurance companies cover veterinary exam fees in the policy, and others may only offer it as an add-on. Consider if this coverage is important to you and check to see which companies offer it.
Multi-pet discounts
Some pet insurance companies offer a discount if you insure more than one pet. If you own multiple pets, consider insuring them with a company offering this discount to maximize your savings.
Waiting periods
A waiting period is the gap between when your policy starts and your coverage begins. The waiting period for accidents and illnesses will vary by pet insurance company. Many pet insurers have longer waiting periods for specific health conditions, like hip dysplasia or cruciate ligaments.
Extra benefits
Don’t forget to look for extra perks when comparing New Jersey pet insurance companies. These benefits can vary by company but might include:
- 24/7 vet healthline.
- Boarding assistance if you’re hospitalized.
- Lost and found advertising.
- Pet cloud app.
- Rewards for lost or stolen pets.
- Special prescription pricing through select pharmacies.
- Vacation cancellation.
Types of pet insurance plans
There are several types of pet insurance plans in New Jersey. Here’s what each covers.
Accident-only plan
Accident-only pet insurance in New Jersey covers veterinary expenses for your pet’s injuries, but not if they get sick. This plan will pay up to your policy limits if your pet breaks a bone, has a dental illness or injury or ingests poison.
An accident-only plan is budget-friendly since it doesn’t provide coverage for illnesses. According to Zabrina Thorson, co-founder and chief operating officer at Odie Pet Insurance, accident-only coverage may also be a good fit for pets with pre-existing health conditions or first-time pet parents.
Accident and illness plan
This is the most popular form of pet insurance. Accident and illness pet insurance policies include coverage for your pet’s injuries and illnesses. This plan will reimburse for many veterinary expenses, including:
- Bloodwork.
- Congenital, hereditary and chronic health conditions.
- CT scans.
- Emergency care.
- Hospitalization.
- MRIs.
- Prescribed medications.
- Specialized veterinary care.
- Surgeries.
- Ultrasounds.
- X-rays.
Some of the best pet insurance companies in New Jersey will also cover alternative and holistic therapies, like acupuncture, therapeutic laser treatments and chiropractic care if prescribed by your vet. Embrace, Healthy Paws and Figo are just a few New Jersey pet insurance companies that include this coverage in their accident and illness plans.
Wellness plans
Most pet insurance companies offer optional wellness coverage you can add to your pet insurance policy. A wellness plan covers preventive and routine care to keep your pet healthy. These expenses are usually not automatically covered by a standard pet insurance policy.
A wellness plan can cover veterinary costs for:
- Annual wellness exams.
- Deworming.
- Flea, tick and heartworm prevention.
- Grooming.
- Microchipping.
- Spaying and neutering.
- Vaccinations.
