Best Pet Insurance Companies & Plans in New Jersey (2022 Review)


New Jersey is a lovely place to live and is an excellent location for pets. As of 2018, there were about 2,878,037 cats and dogs in the state of New Jersey. Because of this, you’ll find that New Jersey has several pet insurance providers. With so many providers and plans on the market, you might find it tough to choose one that meets your budget requirements and best serves your pet’s needs. 

As you begin considering pet insurance in New Jersey, keep the following points in mind:

  • There Are Many Pet Insurance Coverage Types
  • What Is Covered and Not Covered Under Each Plan
  • Pet Insurance Cost
  • Additional Benefits: Will You Get Any Additional Benefits, Such as Wellness Coverage, Free Routine Checkups, or Prescription Drug Coverage?
  • Reviews: What Have Others Had To Say About the Company and Its Policies?

Best Overall

spot pet insurance logo


Most Affordable

Lemonade Pet Insurance Logo


Best for Chronic Conditions

Healthy Paws Pet Insurance


The Best Pet Insurance Companies & Plans in New Jersey

Provider Visit Site Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days* Yes No age limit A
Lemonade Site Link 14 days for illnesses*, 48 hours for accidents  No 14 years old F
Embrace Site Link 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
Healthy Paws Site Link 15 days* Yes 14 years old A-
ASPCA Site Link 15 days*  Yes No age limit N/A
Prudent Pet Site Link 5 days for accidents, 14 days for illnesses*  Yes No age limit A+

*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above. 

Pet Insurance Companies in New Jersey Reviews

There’s no doubt that people love animals — whether they’re dogs or cats, rabbits, and hamsters, or even pigs and horses. No matter what the pet, one of the things you need to do is ensure that it’s well cared for with high-quality healthcare coverage. 

If something were to happen to your furry friend, it would be helpful for you if you had pet insurance coverage in place so that you wouldn’t be left with outrageous vet bills. Luckily there are lots of companies out there that offer pet insurance in New Jersey so that you can ensure your furry friend is well looked after. 

Here is a look at some of the top companies in the Garden State.


Spot Pet Insurance is a no-hassle solution for ensuring that your pet receives the expert care it requires when it is most needed. Spot isn’t difficult to use, either. You see your veterinarian, submit a claim after treatment, and wait for reimbursement. You may pick the amount of coverage you want as well as tailor the policy to fit your pet’s needs and financial limitations.

Spot insurance is provided by Crum & Forster Pet Insurance. Spot is customizable with a yearly limit of $2,500. It also provides several preventive care packages for an extra fee, as well as a 10% multi-pet discount on pets added to the policy. Spot also provides policies with no annual limit. The monthly cost for dogs is usually between $30 and $50, while the cost for cats will usually be between $18 and $25.

Spot covers a wide variety of conditions, including: 

  • Prescription medication
  • End of life expenses
  • X-rays
  • Tooth extractions
  • Stem cell therapy
  • Poison control
  • IV fluids 
  • Cancer treatment
  • Blood tests
  • Accidents
  • Emergency care
  • Surgery
  • Hospitalization

Of course, there are disadvantages. Spot’s policy does not cover dental treatments, gland expression, preventive care, vitamins, experimental therapies, or house visits.


  • Multi-pet discount
  • 30-day money back


  • No preventive care
  • 14-day waiting period


Lemonade provides many insurance options. Lemonade offers home insurance, renters insurance, and condo insurance, in addition to pet insurance. Lemonade is now available in 35 states, including New Jersey, with additional states to follow.

Lemonade is a special case, as it is not just about making money. Premiums are used to pay for claims. Any remaining funds are returned to their clients’ favorite causes at the end of the policy year. It also provides discounts on multiple pets and 10% off if you insure your home with them. 

Lemonade offers policies that start at $10 per month. It starts at $10 per month for cats, and it begins at $15 per month for dogs. The typical cost of cat care is $15 a month, whereas the average price for dog care is $37 a month. You may also subscribe to a preventative package as part of the policy.

The coverage limit for Lemonade ranges from $5,000 to $100,000 depending on the plan’s annual deductibles, which run from $100 to $500. Remember that costs will vary widely based on species, gender, and age. Lastly, cats and dogs are currently the only animals that it covers.

Lemonade is used to treat several ailments and medical treatments, including:

  • Blood Tests
  • MRIs
  • CT scans
  • X-rays
  • Urinalysis
  • Lab Work
  • Ultrasounds
  • Outpatient procedures
  • Specialty care
  • Emergency care
  • Surgery
  • Hospitalization
  • Medications

When selecting Lemonade, keep in mind what they don’t include. Pre-existing conditions, avoidable illnesses, problems that emerge after the waiting period, and experimental therapies are not covered by the company.


  • Customization options
  • Multi-pet discount
  • Great mobile app


  • Still new to the pet insurance market
  • No posted money-back guarantee


Embrace was formed in 2003 as a result of a Wharton Business School project, and it has now aided over 100,000 pets. It has an employee match program, where it gives $2 to a pet-related charity for each policy purchased. Since 2012, Embrace has been working with American Modern Insurance Group (AM Best A+ Superior rated underwriting.)

There are several discounts available, depending on what is offered in your state. Embrace has a 10% multi-pet discount, a 5% military discount, ACH savings, spay/neuter price reductions, and a monthly cost reduction if you pay yearly rather than every month.

Another highlight of Embrace includes its Embrace Wellness Rewards program. Its preventative care coverage covers routine veterinarian, training, and grooming expenses. Embrace also has a Healthy Pet Deductible option. Your pet’s annual deductible is automatically reduced by $50 each year that you do not submit a claim.

Embrace covers a broad range of illnesses and problems. The following are some of what is covered:

  • Exam & consultation fees
  • Diagnostic tests
  • Emergency 
  • Specialty care
  • Surgery 
  • Cancer treatments
  • Hospitalization
  • Behavioral therapy
  • Rehabilitation
  • Prosthetic limbs
  • Prescription medications 
  • Breed-specific issues
  • Congenital illness
  • Chronic conditions

Embrace’s list of exclusions is not as extensive as some other insurance providers’ plans. Pregnancy, pre-existing conditions, intentional injury, cosmetic treatments, and DNA testing are not covered by Embrace. Embrace currently offers coverage for cats and dogs exclusively. The average cost of dog and cat insurance is $30 to $40 per month, according to GoCompare. Remember, premiums differ based on age, gender, and breed.


  • Mobile app for 24/7 policy access
  • Wellness Rewards Program


  • Long illness waiting period
  • Lower annual maximums compared to other companies

Healthy Paws

Healthy Paws was established in 2009 as a nonprofit organization dedicated to assisting pet owners with financial obligations for their pets while helping animal rescue organizations with sick animals. It has grant programs that have donated more than $1.6 million to shelters and rescues. Healthy Paws has also teamed up with the worldwide insurance broker Aon Corporation and Chubb Group to provide pet insurance.

With Healthy Paws insurance, pet owners can get coverage for accidents, illnesses, cancer treatment, emergency care, genetic illnesses, dental care, and alternative therapies such as acupuncture and chiropractic. Some highlights of its plans include a 30-day money-back guarantee, customizable coverage, and a one-time new customer fee of $25. The monthly cost for dogs is $39, and for cats, it’s $12.

Here’s a short rundown of what you’ll get with each Healthy Paws plan:

  • Prescription medication
  • End of life expenses
  • X-rays
  • Tooth extractions
  • Stem cell therapy
  • Poison control
  • IV fluids 
  • Cancer treatment
  • Blood tests
  • Accidents
  • Emergency care
  • Surgery
  • Hospitalization

That being said, there are still some services you may expect to pay for out of pocket if you select Healthy Paws. Pre-existing conditions, examination fees, preventative care, behavioral treatment, pet diets, and non-FDA treatment or supplements are all excluded. Lastly, it only serves cats and dogs.


  • No limits on coverage
  • Fast claim repayment


  • New member fee
  • No preventive care


The American Society for the Prevention of Cruelty to Animals® (ASPCA®) is a charitable organization dedicated to preventing animal cruelty. Its pet health insurance is offered through a partnership with Hartville Pet Insurance Group, one of the biggest pet insurance providers in the U.S.

ASPCA has three different plan levels: accident only, injuries and illnesses, and injuries, illnesses, and advanced care. Its preventive care plans that include add-on preventative care treatments can also help you stay on top of your dog and cat’s health. The typical coverage cost for a dog is $48, while cat coverage costs $29 on average.

ASPCA provides comprehensive coverage for a wide range of concerns and treatments such as:

  • Cancer treatments
  • Microchipping
  • End of life expenses
  • IV fluids and medications
  • Stem cell therapy
  • Prescription foods
  • Supplements for specific conditions
  • Tooth extractions
  • Exams
  • Medical supplies

ASPCA does not cover dental aesthetic treatments or cleanings, boarding, grooming, pre-existing conditions, or any other concerns particular to certain breeds.


  • Range of deductibles
  • Offers three levels of coverage


  • Doesn’t cover pre-existing conditions
  • Won’t cover breed-specific conditions

Prudent Pet

Prudent Pet was started back in 2018, making it one of the newest pet insurers in the industry. Despite this, plans are insured by names that are considerably more well-known in the insurance sector. Prudent Pet has numerous alternatives for pet owners, including comprehensive and accident-only policies. Markel is the underwriter for all policies. Prudent also puts a lot of emphasis on providing transparent and simple-to-understand coverage. 

With a $100-$1,000 annual deductible, Prudent provides 70, 80, or 90% reimbursement choices. If you pick the maximum level plan, your coverage may start at $10,000 and go as high as you want if you are under specified criteria.

Prices vary depending on the breed, size, and age of your pet. If you’re looking to save money on your monthly expenses while still giving your dog or cat access to the same services as other customers, Prudent is a good option. Add-on wellness care packages start at $7.95 a month for cats and $11.95 a month for dogs.

Here is some of what you can expect to be covered if you choose Prudent for your pet:

  • Cancer and treatments
  • Broken bones
  • Emergency care
  • Hospitalization
  • Surgery
  • Congenital illnesses
  • Eye, ear, and skin conditions
  • Urinary infections
  • Hereditary conditions

The good news is that there are a few hundred covered procedures. On the other hand, the less-than-ideal news is that Prudent does not cover many important diagnoses, prescription food, and organ transplants.


  • Customization Options
  • Multi-pet Discount
  • No Age Limit


  • Higher Premiums than Others
  • High Amount of Exclusions

How Does Pet Insurance Work in New Jersey?

In New Jersey, pet insurance is paid on a reimbursable basis. You’ll pay the doctor directly when you take your pet in for treatment and then submit an invoice for reimbursement after the bill has been audited and authorized. The policy’s options will influence the reimbursement amount after it has been audited and authorized.

These options are:

  • Maximum Annual Payout
  • Reimbursement Percentage
  • Deductible

The average yearly payout is the total amount paid out in a policy year as claims. The deductible is the amount you must cover yourself before your company pays you back. The reimbursement percentage indicates how much of the pet insurance premium you must pay before your company reimburses you. 

How to Choose the Best Pet Insurance in New Jersey for You

It’s difficult to compare pet insurance plans on an equal basis. It’s impossible to calculate each plan’s potential return on investment because of coverage, exclusions, and price differences. Here are some suggestions for choosing the finest pet insurance for you and your cat or dog based on your needs.

  • Type of Plan
  • What the Plan Covers
  • Coverage Level
  • Possible Discounts
  • Annual Limits
  • Deductible Amounts
  • Multi-pet Discounts
  • Bundle Discounts
  • Pay-in-full Discounts

How Much is Pet Insurance in New Jersey?

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot Average $30-$50/month Average $18-$25/month Starting at $9.95
Lemonade Average $37/month  Average $15/month 

Cats start at $10

Dogs start at $15

Embrace Average $30-$40/month Average $15-$20/month Start at $18.75/month
Healthy Paws Average $39/month Average $12/month N/A
ASPCA $48.78  $29.16 $9.95 (basic), $24.95 (prime)
Prudent Pet Average $39/month Average $23/month Cats start at $7.95 and dogs at $11.95

The cost of pet insurance in New Jersey varies from one region to the next, but it’s usually rather comparable. According to a survey of five major cities in New Jersey, monthly premiums varied depending on a brief examination of zip codes. Monthly payments for a policy that pays 80% of the cost of any covered expenses with a $250 deductible each month are shown in the table below. It’s for a 4-year-old medium-sized mixed breed dog. We obtained these quotes from Healthy Paws, which offers only one plan option.

City Monthly Cost
Newark $41.37
Jersey City $44.33
Atlantic City $35.22
Princeton $44.33
Trenton $41.37

Final Thoughts

Veterinarians have improved their techniques substantially, and your dog or cat can be treated for almost everything these days. When selecting a pet insurance policy for your pet, consider your budget, the demands of your pet, and what you want coverage for most. Do you require regular care coverage or just accident coverage to assist you in the event of an emergency? Consider all of your choices and obtain multiple quotations from various pet insurance providers before making a decision.

Information for Pet Owners in New Jersey

Below are some of the greatest places to go in New Jersey with your pet. However, before you take your pet out for the day, you should also be aware of the state laws related to dogs and cats. 

Let’s look at some fun things to do with your dog or cat in New Jersey and some key rules that you must follow while outside to keep your leisure time lighthearted and interesting for both of you!

New Jersey Pet Laws

Whether dogs or cats are from New Jersey, live there, or come to visit, they must adhere to the state’s pet rules and statutes.

Cats and dogs must have current rabies vaccinations and boosters. All dogs, regardless of age, must have a current dog license and wear it on a collar. If your dog bites someone who is on public property or legally on private property, the owner is responsible. Dogs are not permitted to run free; instead, they must be leashed at all times.

Fun Things to Do With Your Pet in NJ

New Jersey is not only a state with lots of exciting things to do for couples and families. It’s also a state where dogs may have a great time and be part of the family fun. There are several pet-friendly locations in New Jersey that offer a variety of activities. Whether you’re searching for hiking paths, beaches, restaurants, or places to stay, there’ll be plenty more than enough options in New Jersey. Here are some suggestions:

  • The Fairview Farm Wildlife Preserve in Bedminster – This dog-friendly park has a lovely route for dogs on leashes. There are no picnic tables, but there are plenty of open areas for dogs and their owners.
  • The Paterson Great Falls National Park – This 89-acre park is dog-friendly and has several trails as well as a big waterfall. Dogs must be leashed and are not permitted in the facilities.
  • Camping at Camp Taylor in Columbia, New Jersey – This campground provides a wide range of services and allows up to two dogs per campsite.
  • The Grand Victorian Bed and Breakfast in Beach Haven – This hotel is pet-friendly from September through May.

New Jersey Pet Resources

Many local animal shelters and rescue groups in New Jersey provide low-cost veterinary care to owners who are unable to pay for emergency vet visits. Some help low-income pet owners, while others serve all pet owners. Here’s a list of some of the organizations in New Jersey that aim to assist pet owners.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.