6 Best Pet Insurance Companies in New Jersey of 2022 – MarketWatch

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Whether you and your pet live in Trenton or Toms River, a pet insurance plan can shield you from pricey vet bills and ensure your pet gets the coverage it needs in an emergency.
You have dozens of choices for pet insurance in New Jersey. We at the Home Media Reviews team have dedicated countless hours to researching and ranking the best pet insurance companies nationwide based on cost, coverage limits and customer reviews.
 
Based on our extensive research, these are the six best pet insurance providers in the Garden State:
 
Coverage and cost: Lemonade has one affordable plan covering vet bills related to accidents and illnesses. This plan includes expenses related to emergency care, diagnostics, hospitalization and operations. Lemonade’s pet plan does have exclusions, including preexisting conditions, behavioral therapy, dental illness and elective or cosmetic procedures. 
Lemonade offers add-ons for preventive care, which cover vet visits and routine treatments such as a heartworm test and an extended wellness plan with routine dental cleanings and other features.
Below are the price ranges we obtained in our secret-shopping process for 4-year-old, mixed-breed dogs and cats in Trenton, N.J., with varying annual deductibles, coverage amounts and reimbursements percentages:
While Lemonade faces a class-action lawsuit over its alleged collection of biometric data (from claims-submission videos), we still consider it a reputable, legitimate provider with a simple quote process, competitive cost and coverage and a charitable giveback program. You can find more details in our Lemonade pet insurance review.
Get a quote: Use Lemonade’s online quote tool to get a customized price and sign up for your policy.
To learn more: Lemonade Pet Insurance review
 
Coverage and cost: An Embrace pet insurance plan provides annual coverage ranging from $5,000–$30,000 for accidents and illnesses such as dental trauma, cancer and genetic or chronic conditions like allergies or hip dysplasia. The plan excludes preexisting conditions, cosmetic procedures and vet expenses related to breeding.
Embrace’s optional Wellness Rewards plan extends coverage to routine health care costs such as grooming, wellness exams and vaccines. Embrace reimburses 100% up to your choice of $250, $450 or $650 of annual coverage for these veterinary costs. 
Below are average prices from our sample quotes for 4-year-old, mixed-breed pets in Trenton, N.J., with varying coverage limits:
Get a quote: Fill out Embrace’s form for a free quote on your policy.
To learn more: Embrace Pet Insurance review
 
Coverage and cost: ASPCA Pet Health Insurance offers an Accident-Only Coverage plan and a Complete Coverage plan, allowing you to tailor your pet’s policy to your needs and budget. Accident-only coverage pays out in cases such as toxic ingestions, bite wounds and sprains, while ASPCA’s other plan extends coverage to illnesses as well. Neither of ASPCA’s plans covers cosmetic procedures, preexisting conditions, preventive care or breeding expenses.
Additionally, ASPCA offers Basic and Prime preventive care add-ons for expenses such as dental cleanings, routine wellness exams, fecal testing and vaccines with $250 or $450 annual coverage limits.
We gathered quotes for 4-year-old, mixed-breed dogs and cats in Trenton, N.J., based on different reimbursements, coverage limits and deductibles.
Get a quote: Fill out ASPCA’s online form for an instant quote on a pet policy.
To learn more: ASPCA Pet Health Insurance review
 
Coverage and cost: Figo offers three accident-and-illness plans, each of which covers X-rays, prescriptions and other essential treatments for covered conditions like broken bones, hip dysplasia, general sickness and chronic conditions. 
The Essential plan provides $5,000 of annual coverage, while the Preferred plan increases coverage to $10,00 annually. Pet parents seeking unlimited coverage can opt for the Ultimate plan, which has no coverage caps. New Jersey pet owners can also add vet exam fee coverage and routine wellness care benefits, such as dental care, to their plans.
To give you an idea of Figo’s pet plan costs, we obtained a range of quotes for 4-year-old, mixed-breed dogs and cats living in Trenton, N.J.:
Get a quote: Fill out a quick quote request for Figo.
 
Coverage and cost: Spot has both an accident-only plan and an accident-and-illness plan, offering $2,500 to unlimited annual coverage limits. Some covered conditions include cancer, diabetes, respiratory infection and behavioral issues. Both plans exclude preexisting health problems, elective procedures and breeding and pregnancy costs.
Spot’s wellness plan covers routine care costs like dental cleanings and annual wellness exams. The Gold plan costs approximately $10 per month and features $250 of coverage per year, while the Platinum plan costs $25 per month and offers $450 of benefits per year.
The averages below are based on quotes for 4-year-old, mixed-breed dogs and cats in Trenton, N.J., with varied annual limits, deductibles and reimbursement rates:
Get a quote: Customize your Spot pet insurance policy by getting a quote on Spot’s website
To learn more: Spot Pet Insurance review
 
Coverage and cost: Healthy Paws’ single pet insurance plan covers accidents and illnesses and has no limit on vet bills for essential treatments and procedures, such as surgery, hospitalization and specialty care. It excludes preexisting conditions, spaying and neutering and routine care, as well as hip dysplasia during the first 12 months of coverage.
The quotes below show an average range of costs for 4-year-old, mixed-breed dogs and cats in Trenton, N.J.:
Get a quote: Fill out Healthy Paw’s easy online form to get a pet insurance quote.
To learn more: Healthy Paws Pet Insurance review
 
Pet insurance is a worthwhile purchase and budgeting tool that could save you from costly vet bills if your pet is injured or becomes unexpectedly ill. Before purchasing a policy, you’ll want to make sure your pet is eligible for coverage to avoid unexpectedly denied claims. Overall, we recommend Lemonade for New Jersey pet insurance shoppers due to its quick claims process, convenient mobile app and affordability.
However, each provider in this review has noteworthy features and scored well in our review process. To get the best rates and coverage to meet your needs, we recommend taking a few minutes to compare quotes from multiple pet insurance companies.
Provider
Get a quote
Our score
Monthly cost*
Waiting periods
Multi-pet discount
Mobile app
Lemonade
Visit Lemonade
90.5
$20.92
2 days for accidents; 14 days for illnesses
5%
✔
Embrace
Visit Embrace
90.5
$50.10
2 days for accidents; 14 days for illnesses

10%
✔
ASPCA
Visit ASPCA
90
$49.55
14 days for all
10%
✔
Figo
Visit Figo
90
$32.89
Varies by zip code
5–10%
✔
Spot
Visit Spot
89
$47.84
14 days for all conditions
10%
✔
Healthy Paws
Visit Healthy Paws
84
$36.93
15 days for accidents and illnesses
None
✔
*We obtained the sample premiums above for an accident-and-illness policy for a 4-year-old, medium-size, mixed-breed dog in Trenton, N.J. Because pricing may vary based on your pet’s age, breed and location, we recommend getting quotes directly from companies so you can get the most accurate cost information.
 
Pet insurance plans have three key elements. The annual coverage limit is the total amount of policy benefits your provider is willing to pay out each year, and the deductible is the amount you agree to pay out of pocket when you file a claim. Finally, the reimbursement is the percentage of your vet bill the pet insurance company will pay for a claim.
You can sort pet insurance plans into different types of plans based on coverage:
To choose the best provider for you and your four-legged friend, take the steps below:
 
 
It’s important to buy pet insurance to get your pet the care they need if they’re injured or suddenly ill and save your wallet from costly vet bills. When we surveyed 1,000 pet owners, we found that more than 40% have paid more than $500 for a single emergency vet bill.
Pet insurance for cats in New Jersey costs an average of $10–$30, but prices can vary depending on the provider, discounts and your pet’s age and breed. For example, you may pay a different rate for a plan in Newark than in Jersey City. Typically, cat insurance is cheaper than dog insurance.
You can add a pet to your existing pet insurance policy with some providers and may earn a multiple-pet discount for insuring more than one pet with the same company.
You can typically use pet insurance at any licensed vet, whether it is a specialist, university or emergency hospital.
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted in our scores:
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