Best Pet Insurance Companies & Plans in New Jersey (2023 Review)

by | 1/19/2023

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?

We’ll review the following providers to help you find the best pet insurance in New Jersey:


The Best Pet Insurance Companies & Plans in New Jersey

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.

Provider Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot 14 days* Yes No age limit A
Lemonade 14 days for illnesses*, 48 hours for accidents No 14 years old N/A
Embrace 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
Healthy Paws 15 days* Yes 14 years old A-
ASPCA 15 days* Yes No age limit N/A
Prudent Pet 5 days for accidents, 14 days for illnesses* Yes No age limit A+
Figo 1 day for injuries, 14 for illness* Yes No age limit B
Wagmo 15 days for accidents and illnesses* No 15 years old N/A
Trupanion 5 days for injuries, 30 days for illnesses* Yes 14 years old 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.

Spot Pet Insurance

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 Pet Insurance

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

ASPCA Pet Insurance

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

Embrace Pet Insurance

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 Pet Insurance

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

Prudent Pet Insurance

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. 

Types of Pet Insurance Plans in New Jersey

Pet parents in New Jersey have a wealth of choices when it comes to selecting a pet insurance plan. There are a wide variety of providers offering coverage to dogs and cats in the Garden State, and many of them allow customers to choose between coverage options to best fit their pet and their financial situation.

The cost of your plan will vary depending on the type of plan you buy and the breadth of coverage it offers. Here are some of the most common types of New Jersey pet insurance plans you’ll come across as you shop around. 

Accident and illness coverage

Accident and illness coverage is the most comprehensive type of pet insurance, helping offset your vet bills if your pet is hurt or sick. Most accident and illness plans cover diseases like cancer and urinary tract infections that any pet can be susceptible to, as well as breed-specific and congenital conditions. Many accident and illness plans also help cover the cost of exams, prescription drugs, and surgeries. 

Accident-only plans

Accident-only plans only cover medical treatments and prescriptions after a traumatic, unpredictable injury. However, you likely will not be able to get coverage for illnesses or conditions that develop over time. For example, accident-only plans may cover X-rays and prescription drugs needed if your dog breaks a leg in a car accident. But your plan likely will not cover the same services if your pet needs them due to cancer, hip dysplasia, or another progressive illness.

Wellness Coverage

Most pets require routine care annually, even when they are in perfect health. Wellness coverage helps pay for non-emergency veterinary expenses you might run into — like exam fees for annual check-ups and blood tests. Treatment for sudden illnesses or injuries will not be covered under a wellness plan.

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

Pet Laws in New Jersey

Under state law, all dogs in New Jersey aged 7 months or older must be licensed with the local government of the town where they live. Many local governments require the same of cats, though it is not mandatory statewide. In most cases, you’ll need to reapply for this license every year. The licensing fee varies from town to town, but the maximum you can be charged is $21 per year for each pet.

As part of the licensing process, you’ll need to show that your pet is vaccinated against rabies. All cats and dogs residing in the state of New Jersey must have a rabies vaccine when they are old enough to take one. The only exceptions are when the owner gets a letter from a licensed vet that their pet cannot undergo rabies vaccination without serious health risks. 

Proof of vaccination must be submitted to the municipal clerk’s office in your town before you can receive your pet’s license tag, which must be worn on the pet’s collar. 

Although New Jersey as a state has no restrictions on how many dogs one household can have, each township and county may have differing rules.

Newark pet laws

For the most part, the City of Newark follows statewide standards when it comes to animal ownership, welfare, and punishment for animal cruelty. However, there are a few city-specific provisions pet owners should be aware of.

  • Animals may not be kept in “adverse environmental conditions” outdoors, including temperatures below 35 degrees Fahrenheit and above 90 degrees Fahrenheit.
  • All pets must be safely secured in vehicles. They may not roam freely in a vehicle when it is in motion.

Paterson pet laws

The city of Paterson makes animal control officers available at all times of day if a pet is in danger. They can be called out after hours if a stray animal is sick or in life-threatening danger, so residents may want to note local emergency numbers in the event of an emergency. Other local pet ordinances include:

  • All pet owners must immediately pick up their pet’s excrement and properly dispose of it in any area that they do not themselves own. The fine for not doing so can go up to $1,250.
  • Any female dog that is in heat or any other dog wandering about in Paterson freely without any sort of licensure or identification can be impounded by animal control officers.
  • Any dog outside of private property must be properly restricted on a leash that does not exceed the length of six feet, and the individual holding the leash must be able to restrain the dog.
  • Pet owners may be held financially liable for damage caused by pets if they are in public and not in control of the owner. 

Elizabeth pet laws

In the city of Elizabeth, you may not own a pit bull or Staffordshire terrier without a special dog license. You may not bring a pit bull into Elizabeth from out-of-state without seeking permission from the municipal board. 

No pigs or goats may be kept as pets in the city of Elizabeth.

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.

Frequently Asked Questions About Pet Insurance in New Jersey

What should I look for when buying pet insurance?

When buying pet insurance, the first thing you should look at is the coverage offered. You want to make sure you feel comfortable that you’ll get financial help for the types of vet bills you’re most likely to encounter. 

After that, make sure you’re getting a reasonable price for the type of coverage you need. You can shop around with multiple pet insurance providers, paying close attention to the monthly premium and any annual limits. You should also look for a pet insurance provider that offers 24/7 claims service, an easy claims process and glowing customer reviews. 

How much does pet insurance cost per month in NJ?

Dog owners in New Jersey can expect to pay an average of $30 to $41 per month for pet insurance, while cat owners can expect to pay between $15 and $29. The specific price you’ll pay for insurance coverage will vary depending on your pet’s age, breed, health history, and residence. 

Do I legally have to insure my dog in New Jersey? 

No, there is no requirement in any part of New Jersey to maintain pet insurance. However, a pet insurance policy is still likely a good idea. Annual coverage for dogs is more affordable than many owners think — and can pale in comparison to the cost of a veterinary emergency. 

Does pet insurance only cover dogs and cats? 

Most pet insurance providers only cover dogs and cats. To date, the only pet insurance provider that covers birds and exotic pets in the United States is Nationwide Insurance. Nationwide can cover your pet pig, lizard, parrot, chinchilla, and other exotic animals. Exotic pets need excellent veterinary care just as much as dogs and cats, so consider looking into a pet insurance plan for them today if you have an exotic pet.

What does Pet Insurance Typically Cover in New Jersey?

Depending on what type of plan you choose, your pet insurance plan will cover different things. Accident-only plans provide medical coverage for accidental injuries, such as broken bones, sprains, and prescription medications. Accident-and-illness plans try to extend that coverage to include cancer treatments, digestive illness, hip dysplasia, and similar issues.

What is Pet Insurance? 

Pet insurance is health insurance for your pet that reimburses you for part of your pet’s vet bills based on your specific plan’s coverage. Unlike human insurance, pet insurance providers do not pay for your pet’s medical bill at the vet clinic or animal hospital. Instead, your pet insurance provider will reimburse you directly after you’ve submitted your claim. Most pet insurance plans will reimburse you for between 50 to 90% of the total vet bill. This means that you’ll pay out of pocket for your dog or cat’s medical bill at the time of the visit, then submit your claim to your pet insurance provider, which will then reimburse you for the cost up to your plan’s reimbursement rate.

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

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.