The Best Pet Insurance in New Jersey (2024)

We rate Lemonade 4.8 out of 5 stars for New Jersey pet owners. In a state where living costs add up quickly, Lemonade offers affordable premiums and unique perks, including free access to a veterinary advice line and highly customizable coverage.

Most policyholders love Lemonade’s competitive premiums, user-friendly app and fast AI-based claims process. Still, the company may not be the best choice in all cases. Some owners of expensive-to-insure breeds may find coverage lacking. Plus, age limits for new enrollments may be lower for these high-risk pets.

Lemonade’s plan covers accidents and illnesses after the applicable waiting periods. Coverage for routine care, spay or neuter, dental illnesses, physical therapy, behavioral treatments, end-of-life care and exam fees are available as add-ons.

Like other providers, Lemonade doesn’t cover pre-existing conditions and those that occur during the waiting period. It also won’t cover some alternative therapies, experimental treatments, preventable conditions, bilateral conditions and burial expenses.

The average cost of a Lemonade pet insurance plan in New Jersey is $25 per month. Based on data we collected about the average annual pet ownership costs in New Jersey, including vet visits, medication, emergency visits and vaccines, a Lemonade pet insurance plan could save you approximately $667 per year.

Lemonade offers add-on coverage to boost its basic plan, including:

• Preventive care: Preventive coverage adds $18 to $26 per month for dogs and $11 to $18 per month for cats.
• Dental illness: Coverage for dental issues will add $13 per month for dogs, but is not available for cats.
• Behavioral conditions: This option will add $3 per month.
• Physical therapy: Physical therapy will add an extra $1–$2 per month to your base premium.
• End-of-life: End-of-life coverage adds $2–$4 per month to your premiums.

Spot earns 4.5 out of 5 stars, netting high marks for having the most customization options on the market. New Jersey pet owners can choose from five deductibles and seven annual limits to create a policy that balances cost and coverage. Spot’s flagship accident and illness policy covers most issues your pet might encounter (but not advanced dental care), while the accident-only option provides peace of mind for pets who find themselves in need of emergency care.

Spot goes above and beyond to provide coverage where other companies are lacking. The provider covers exam fees, stem cell therapy, behavioral treatments and prescription pet food. If you’re looking for even more complete financial protection, you can add gold or platinum wellness coverage for an additional monthly fee.

The average cost of a Spot pet insurance plan in New Jersey is $63 per month. Based on data we gathered to determine the average cost of owning a pet in the state, including vet visits, medication, emergency visits and vaccines, a Spot Pet Insurance plan could save you approximately $211 per year.

For less coverage and lower premiums, choose Spot’s accident-only coverage, averaging $17 per month for cats and $24 per month for dogs. For higher coverage, choose the Gold preventive care plan for an additional $10 per month or the Platinum preventive care plan for $25.

We gave Embrace 4.7 out of 5 stars on account of its solid coverage, customization options, available discounts and unique features. The Embrace website boasts award-winning customer service and easy claims that you can submit through an app. The company offers a $50 deductible discount when you go a full year without filing a claim.

Embrace offers an accident and illness plan with comprehensive features and minimal exclusions. Unique coverages include generous dental illness care and unrestricted care for preventable diseases, which some other providers tightly regulate. Their plans are customizable with five deductible and annual limit choices, but without an unlimited option. The wellness add-ons provide funds pet owners can allocate as they see fit, but they result in only $25 in cost savings for the year.

The average cost of an Embrace pet insurance plan for New Jersey pet owners is $62 per month. Based on the average annual cost of caring for a pet, including veterinary visits, vaccines, medication and emergency visits, an Embrace pet insurance plan could save New Jersey pet owners approximately $215 per year.

Embrace allows pet owners to add coverage for exam fees and prescription drugs for $3 to $5 per month each. Wellness plan offerings are three-tiered, providing $250, $450 or $650 in annual benefits for an additional $19 to $52 per month.

ASPCA Pet Health Insurance is the most experienced company on our list, providing reliable coverage and stable underwriting. We rated the company 4.8 out of 5 stars for solid all-around service and features. ASPCA Pet Health Insurance is also the only pet insurance company on our list to insure horses, which may appeal to New Jersey horse owners.

ASPCA Pet Health Insurance offers accident-only and accident and illness coverage to provide a range of options for pet owners with varying needs. Two wellness add-ons round out coverage and allow further customization and cost adjustments.

The company’s accident and illness plan covers exam fees, microchipping, dental illnesses, alternative care and behavioral treatments. Exclusions include breeding costs, cosmetic procedures and incurable pre-existing conditions.

The average cost of an ASPCA Pet Health Insurance plan in New Jersey is $40 per month. From the data we collected regarding the average cost of pet ownership in the Garden State, which includes veterinary visits, vaccines, medications and emergency visits, we calculated that an ASPCA Pet Insurance plan could save pet owners approximately $480 per year.

Those looking to save or for emergency-only coverage might opt for ASPCA Pet Health’s accident-only policy, which can cost as little as $9 per month for cats and $24 for dogs. You can also add extra coverage with ASPCA Pet Health Insurance preventive care plans for an additional $10 to $25 per month.

Figo earned 4.7 out of 5 stars through our extensive rating system, garnering our attention with its customer-focused and tech-driven approach to pet insurance. Its top-rated app makes claims processing simple, and most pet owners are reimbursed in only a few days. Although prices increase as pets get older, Figo offers multiple ways to make premiums more affordable, such as an optional per-visit copay and flexible reimbursement rates.

Figo’s base accident and illness plan offers most things pet owners need for peace of mind, including coverage for dental illness and injury, holistic and alternative treatments and rehabilitation. Figo excludes cosmetic procedures, breeding costs and pre-existing conditions. A medical record review by Figo staff provides pet owners with clarity about how pre-existing conditions might affect coverage later on.

The average cost of a Figo pet insurance plan in New Jersey is $60 per month. Based on data we collected about the average annual pet owner spending in New Jersey, a Figo pet insurance policy could save you approximately $232 per year.

Figo has recently simplified their plan add-on choices, offering options only for exam fees and preventive care. Exam fee costs vary based on your plan’s base price, but may run you an extra $6 to $10 per month and preventive care costs an additional $10 to $17 per month.

We gave Healthy Paws 4.2 out of 5 stars because of its simple, no-fuss plan and unlimited coverage payouts. Its standard policy covers most necessary medical care, but pet owners should read a sample policy carefully to understand the orthopedic and age limitations that could impact their furry pal’s coverage.

Healthy Paws offers only one plan for all pets, which excludes preventive care, exam fees, behavior disorders, experimental treatments and pre-existing conditions. Pets enrolled after age six are excluded from hip dysplasia coverage and there is a hefty 12-month waiting period for those enrolled before their sixth birthday. Customization options are limited as pets reach higher age brackets.

The average cost of a Healthy Paws pet insurance plan in New Jersey is $39 per month. Based on our calculations and considering the average cost of owning a pet in New Jersey, a Healthy Paws pet insurance plan could save you approximately $489 per year.