Best Pet insurance Companies In New Jersey

In my assessment, Lemonade Pet Insurance stands out as the best choice for pet insurance in New Jersey.

We’ve saved shoppers an average of $350 per year on their pet insurance.

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Updated: 08 May 2024
Written by Doug Schaffer
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Our team of pet insurance experts meticulously reviewed 43 quotes from 20 pet insurance providers, evaluating them for the best coverage options across various circumstances. Lemonade Pet Insurance emerged as the top choice, excelling in overall coverage quality and affordability, especially for young pet owners.

However, it’s worth noting that ASPCA, Embrace, and Pets Best Pet Insurance also demonstrated strong performance in their respective categories.

In the forthcoming sections, we will delve into an in-depth analysis of some of the best pet insurance options in New Jersey, shedding light on how various factors can influence your overall premiums.

Best Pet Insurance Companies In New Jersey 2024

Best Overall Coverage - Lemonade Pet Insurance
Best for Affordable Coverage - Lemonade Pet Insurance
Best for Owners of Young Pets - Lemonade Pet Insurance
Best for New Pet Owners - ASPCA Pet Insurance
Best for Cat Owners - Embrace Pet Insurance
Best Pet Insurance, New Jersey 2024

Comparison Of The Best Pet Insurance Companies In New Jersey

Overall Rating Best For Coverage Waiting Period Average Annual Cost for Cats Average Annual Cost for Dogs Get A Quote

New Pet Owners

Immediately for Preventive Care and 14 Days for Illnesses and Accidents



Instant Quote

Overall Coverage

2 Days for Accidents and 14 Days for Illnesses



Instant Quote

Affordable Coverage

2 Days for Accidents and 14 Days for Illnesses



Instant Quote

Owners of Young Pets

2 Days for Accidents and 14 Days for Illnesses



Instant Quote

Cat Owners

48 Hours for Accidents and 14 Days for Illnesses



Instant Quote
Pets Best

Owners of Multiple Pets

3 Days for Accidents and 14 Days for Illnesses



Instant Quote
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Our Methodology

In order to find affordable Pet Insurance in New Jersey we've thoroughly examined various pet insurance providers across the state. Our analysis involved reviewing quotes from multiple companies and leveraging our team's extensive 25 years of combined insurance expertise. It's vital to keep in mind that while the rates provided here are current and accurate, pet insurance premiums can change regularly, influenced by factors such as your pet's age or breed.


Quotes Analyzed


Brands Reviewed


Hours of Research


Years of Experience

Reviews Of The Best Pet Insurance Companies In New Jersey

Best Overall Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Numerous factors contribute to defining the ideal pet insurance company, such as affordability, customer service quality, and claims processing efficiency. In New Jersey, Lemonade Pet Insurance emerged as a leading player across these criteria, offering budget-friendly monthly rates of $20 for cats and $35 for dogs.

Beyond cost-effectiveness, New Jersey pet owners highly appreciated Lemonade for its exceptional customer service. The team’s genuine care for animals translates into remarkable service for policyholders.

Benefits & Drawbacks

  • Quick 2-day waiting period for accident coverage
  • Outstanding claims processing department in the industry
  • Abundance of available discount
  • Part of your monthly premium contributes to nonprofits
  • Enrollment restrictions based on age for certain pet breeds
  • Limited availability of policies across states
  • Insurance rates influenced by pet owner credit and claim history

Cheapest Rates for Young Pets

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many people opt for young pets, so that they can grow along with their new family. While this can be a very exciting life change, it also brings about a lot of responsibility. Along with proper training, finding a pet insurance provider that simplifies your coverage options is vital.

Lemonade Pet Insurance stands out with its blend of affordability and ease of use. Their top-notch mobile app and dedicated customer service team make managing policies effortless. With average rates of $20 for cats and $35 for dogs, Lemonade is the ideal choice for young pet owners.

Benefits & Drawbacks

  • Policyholders enjoy a brief 2-day waiting period for pet injuries
  • Rapid processing of claims with quick turnaround times
  • Availability of numerous discounts
  • The company contributes a portion of the policyholder’s premium to nonprofits
  • Certain pet breeds become ineligible for coverage after a specific age
  • Coverage is not extended to all 50 states
  • Pet owner credit and claim history influence insurance rates

Best Affordable Coverage

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many pet lovers wish to protect their beloved furry companions but often fear the cost of insurance. However, as Lemonade Pet Insurance proves, pet insurance can be affordable. On average, cat owners pay merely $20, while dog owners can expect rates around $35.

To further help with costs, Lemonade Pet Insurance provides various discounts, such as bundling options that could slash costs by up to 15%. Additionally, their user-friendly mobile app simplifies policy management.

Benefits & Drawbacks

  • Quick 2-day waiting period for accidents
  • Efficient claims processing, surpassing major competitors
  • Abundance of available discounts
  • A fraction of the policyholder’s premium is donated to nonprofits
  • Limited coverage for certain pet breeds after a specific age
  • Coverage restrictions based on your residing state
  • Pet owner credit and claim history considered in determining insurance rates

Cheapest Rates for Cat Owners

Overall Rating

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

New Jersey residents with feline friends should seriously consider Embrace Pet Insurance. This company provides budget-friendly cat insurance, with an average monthly premium of $22.

Embrace stands out by going the extra mile in giving back. For every policy sold, they donate $2 to a charity.

Additionally, Embrace Pet Insurance is the partner choice for many major car and home insurance providers such as USAA, Allstate, and GEICO, making it a preferred choice for many.

Benefits & Drawbacks

  • Economical policy choices
  • Most standard policies encompass coverage for curable pre-existing conditions
  • Owners with animals needing orthopedic care can bypass the waiting period with a vet exam
  • Senior pets over the age of 14 are eligible only for accident-only policies
  • Supplemental coverage isn't included in standard policies

Cheapest Rates for New Pet Owners

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

For a new pet parent, choosing a pet insurance company like ASPCA, known for having a solid foundation and for championing animal health, is a key decision.

While ASPCA may have slightly higher average premiums—$40 for cat insurance and $83.30 for dog insurance—the benefits outweigh the costs. Notably, ASPCA provides coverage regardless of your pet’s age, a significant advantage for senior pets.

Moreover, ASPCA extends coverage to address behavioral issues and alternative therapies, which are particularly beneficial for certain dog breeds.

Benefits & Drawbacks

  • Inclusive coverage that encompasses alternative therapies, behavioral issues, and congenital conditions
  • Short 14-day waiting period for cruciate injuries
  • Access to a 24/7 telehealth vet line
  • Standard policies cover vet clinic visit fees for illnesses and accidents
  • Availability of unlimited annual coverage exclusively through an agent
  • Limited choices for deductibles

Cheapest Rates for Multiple Pets

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
9/10 Coverage Level

Why We Like Them

Having multiple pets can lead to additional costs like food and toys, but it can also bring financial benefits when it comes to pet insurance. Companies like Pets Best offer a discount for policies covering multiple animals.

In addition to the discount, Pets Best maintains affordable monthly premiums, with average rates for cat insurance at $29.54 and dog insurance at $41.39.

Pets Best goes further by offering policyholders valuable perks such as a 24/7 vet helpline for emergencies and extending coverage to pets with disabilities or in need of special prosthetic devices.

Benefits & Drawbacks

  • Coverage encompasses pets needing wheelchairs or prosthetic devices
  • Access to veterinarians through the 24/7 vet healthline
  • Accident coverage initiates after a 3-day waiting period
  • Flexible coverage options for both accidents and illnesses
  • Claims processing often takes longer than competitors
  • Policy changes can only be made during the time of renewal

Average cost of pet insurance in New Jersey

Average Cost in New Jersey — By Cat Breed 

Cat Breed Average Monthly Cost
Domestic Shorthair $16
Sphynx $14
Siamese $26
Maine Coon $29

Average Cost in New Jersey — By Dog Breed 

Dog Breed Average Monthly Cost
Affenpinscher $21
Labradoodle $38
Greyhound $58
Newfoundland $79

Average Cost in New Jersey — Accidental-Only Coverage 

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $31
Pets Best $35
TrustedPals $38
Figo $45

Average Cost in New Jersey — Comprehensive Coverage 

Insurance Provider Average Monthly Cost for Comprehensive Coverage
ManyPets $34
Pets Best $41
Lemonade $48
Trusted Pals $52
Healthy Paws $57

How to find the best pet insurance company for you

Buying pet insurance is similar to acquiring health or life insurance. It’s crucial to compare rates, but before you do so, familiarize yourself with key aspects to consider in a pet insurance policy.

For instance, insurers typically offer either accident-only coverage or a broader accident and forgiveness plan. Both have merits depending on your circumstances.

Accident-only coverage suits younger pets less prone to age-related illnesses. On the other hand, comprehensive plans are ideal for breeds with a higher risk profile.

Another vital factor is the waiting period. Different insurers have varying waiting times for accidents and illnesses, so evaluating what aligns best with your pet’s well-being is essential.

Largest pet insurance companies in the United States

Company Name Estimated Market Share Percentage
Trupanion 30%
Nationwide Mutual Insurance Company 19%
Embrace Pet Insurance 9%
Fetch by the Dodo 8%
Pets Best Insurance 2.4%
Hartville Group Inc. 1.4%
MetLife Pet Insurance 1.4%
Petsecure 1.3%
Healthy Paws Pet Insurance .73%
Pumpkin Pet Insurance .48%

How to buy pet insurance online in New Jersey

Securing insurance for your pet is straightforward, especially with platforms like Insuranceopedia. However, there are steps you can take ahead of time to streamline the process.

Here are four essential steps to guide you through the pet insurance purchase:

  • Step 1: Collect all pertinent information in advance (e.g., pet type, breed, age, medical history, and any lineage documentation)
  • Step 2: Determine the coverage amount and deductible that suits your pet
  • Step 3: Compare quotes from a minimum of three pet insurance providers
  • Step 4: Finalize the purchase of your policy and inform your vet about your new coverage.

Factors that impact cost of your pet insurance policy in New Jersey

Pet owners often think their pet’s coverage cost is solely linked to one or two factors. However, determining pet insurance rates involves considering various elements. These pricing components comprise:

  • Animal Type
  • Breed
  • Age
  • Insurance Type
  • Location

Animal Type

Your choice of pet significantly impacts your monthly insurance payments. Typically, dog owners pay 2-3 times more than cat owners due to dogs being outdoors more often.


The breed of your pet is also a crucial determinant in pet health insurance costs. Some dog breeds, like boxers and bulldogs, have higher risks for specific health issues, influencing the monthly premiums.


The age of your pet is a major factor affecting insurance quotes. Some insurance providers maintain affordable pricing irrespective of age, while others may deny coverage for older pets. It’s advisable to shop around for senior pet pricing.

Insurance Type

When purchasing pet insurance, you’ll generally choose between accident-only or accident and illness coverage. Comprehensive policies offer more coverage but usually come at a higher monthly cost. Assess if the added coverage is worth the extra expense.


Regional pricing is taken into account by many pet insurance companies during the application process. Although differences in premiums among cities are typically minor, certain state regions may have higher premiums due to an increased number of claims.

New Jersey pet insurance laws to know

While pet insurance isn’t mandatory for pet owners in New Jersey, various laws and bills aim to safeguard animals and their owners. For instance, a recent House Bill was enacted into law, impacting homeowners’ and renters’ insurance decisions related to a dog’s breed.

In the past, insurance companies could refuse coverage, terminate policies, or increase premiums based on a pet’s breed. However, House Bill 2323 has made it unlawful for insurers to discriminate based on a dog’s breed or physical appearance. This change ensures fair treatment for pet owners in the state.

In the news

  • Starting June 30, 2023, insurance companies are prohibited from considering a dog’s breed as the sole determinant in their underwriting decisions. This ensures fair assessment practices for pet insurance.
  • Additionally, Governor Katie Hobbs signed Senate Bill 1053 into law, facilitating veterinarians to establish a veterinary-client relationship through telemedicine. This legislative advancement embraces modern technologies to enhance veterinary services for pet owners in New Jersey.

Information about New Jersey

New Jersey proudly stands as a state of diverse offerings, housing vibrant cities and embracing a rich cultural mosaic. Known for its iconic cities like Newark and Jersey City, New Jersey exudes a unique blend of modernity and history.

Beyond the cities, the Garden State is adorned with picturesque landscapes. From the scenic Delaware Water Gap to the idyllic Jersey Shore, and the lush Pine Barrens, New Jersey beckons travelers to explore its multifaceted natural beauty.

Pet insurance discounts in New Jersey

Similar to how health insurance costs can vary, pet insurance in New Jersey can also be quite expensive. To ease the financial burden, many pet insurance companies offer discounts. Although not all providers have the same discounts available, it’s worth considering the following options:

  • Employer-sponsored discounts
  • Multi-pet discount
  • Employee union discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts
  • Special service animal discounts



Do all vets take pet insurance in New Jersey?

All veterinary clinics in New Jersey readily accept pet health insurance. This type of insurance operates on a reimbursement basis, where pet owners pay for the medical expenses upfront and then get reimbursed by the pet insurance company.

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

While it’s highly advised to have insurance for your pets, it’s not mandated by law to have your dog or cat insured in New Jersey.

How much is pet insurance in New Jersey?

Similarly to pet owners across the United States, cat owners in New Jersey tend to pay lower premiums for insurance compared to those who own dogs. On average, a monthly premium for cat insurance in New Jersey stands at $27.56, whereas dog insurance tends to be higher, averaging around $48.81 per month.

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