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Pet Insurance in New Jersey

If you’ve ever had to rush your dog or cat into an emergency hospital for a procedure, you know that vet bills can be extremely expensive.

With pet insurance, you can ensure your four-legged friends get the essential care they need if they get sick or injured.

Pet owners who live in New Jersey have a lot of pet insurance options at their disposal.

With so many providers claiming to offer the best pet protection at the lowest rates, picking the right company can be tricky.

We’ve taken the headache out of comparing providers, compiling a list of the top 5 best pet insurance companies in New Jersey.

Best Pet Insurance in New Jersey

The companies below are our picks for pet insurance in New Jersey.


Embrace-logoEmbrace is undoubtedly one of the best options for pet insurance across the state of New Jersey.

If you’re looking for coverage you can truly customize, Embrace is your go-to.

Embrace offers accident and illness coverage, accident-only, and wellness care to policyholders, including exam fees in its policies.

It also comes with the benefit of a diminishing deductible, which reduces your deductible by $50 each year you go without filing a claim.

And unlike a lot of pet insurance companies, which exclude pre-existing conditions altogether, Embrace differentiates between conditions that can be cured and those that can’t.

After 12 months symptom-free, Embrace may insure a pet with a pre-existing condition.

You can opt for up to 90% reimbursement with Embrace’s pet plans.

Embrace also stands out for customer service, with a quick claims process and helpful representatives.

Learn More: Read our full Embrace Pet Insurance Review

Fetch Rates with Embrace


petplan logoAnother great option for pet insurance in New Jersey is Petplan.

In addition to its accident care, Petplan covers chronic, hereditary, and congenital illnesses, though it doesn’t offer a wellness plan.

Petplan offers some of the most affordably priced plans in the industry, especially for cats, who also benefit from lenient age restrictions.

With Petplan, you can get reimbursed for as much as 90% of medical bills, and there is no annual limit to benefits, making coverage virtually unlimited.

Petplan also excels in the customer service department, with an “A+” from the Better Business Bureau and a simple claims filing process.

While you have the option of filing a claim by mail, you can speed up the reimbursement process by filing in the Petplan app.

Learn More: Read our full Petplan Review

Fetch Rates with Petplan

Healthy Paws

healthy paws logoHealthy Paws is a great option that keeps pet insurance simple.

Healthy Paws’ coverage is extensive, and it’s all packed into one convenient plan so there’s no need for supplementary coverage.

However, Healthy Paws does not cover routine care.

While some providers’ coverage only works with certain networks of veterinarians, Healthy Paws will pay for services from any licensed vet.

Healthy Paws also offers flexible coverage, with multiple reimbursement levels and deductibles to choose from.

You don’t have to worry about a cap on the policy per incident, annually, or over your pet’s lifetime, either.

Healthy Paws also streamlines its claim process on its app and website, allowing for a quick payout.

With policies underwritten by the Chubb Group and high satisfaction ratings, you can count on Healthy Paws for your pet’s needs.

Learn More: Read our full Healthy Paws Review

Fetch Rates with Healthy Paws


Progressive logoA name everyone is familiar with outside of the pet insurance world, Progressive also offers competitively priced and highly customizable pet insurance plans.

Progressive has accident only, accident and illness, and routine wellness policies, meaning you can get some level of coverage even if you’re on a tight budget.

With Progressive, you can set your deductible, select a reimbursement amount between 70 and 90%, and choose between more affordable coverage with an annual cap or unlimited benefits.

As a major national company with multiple lines of insurance, you get several unique advantages by choosing Progressive, namely discounts.

For instance, you can save 5% just by getting a quote online and another 5% if you insure more than one pet.

And if you have other products with Progressive, you can easily manage all of your policies under one roof when you add pet insurance into the mix.

Learn More: Read our full Progressive Pet Insurance Review


trupanion pet insurance logoA name you may be less familiar with is Trupanion, an equally impressive option for New Jersey pet owners.

Trupanion excels at offering robust coverage for dogs and cats. In addition to its accident and illness policy, you can tack on a Recovery and Complementary Care Package, which extends the basic policy’s protection significantly.

With Trupanion, you can get reimbursed for up to 90%. You also don’t have to worry about maxing out on coverage as Trupanion comes with no annual cap.

Uniquely, the company only requires you to pay a deductible once for every condition your dog or cat has, just paying out of pocket for the first incident related to the condition.

Trupanion also stands out for making payments directly to the veterinary hospital rather than reimbursing you later.

As long as the vet caring for your pet is on Trupanion’s list of approved hospitals in New Jersey and you pay the deductible amount you owe, Trupanion will handle the rest on the spot.

Learn More: Read our full Trupanion Review

What Does Pet Insurance in New Jersey Cover?

With so many medical conditions and treatments out there, you might be wondering which ones are actually covered by pet insurance.

The list of conditions approved by pet insurance companies might look a little different between providers, but the majority of the time, covered incidences are as follows;

What’s Covered

The majority of basic accident and illness pet plans account for these conditions and expenses:

  • Accidents
  • Blood tests
  • Cancer treatment
  • Chronic illness
  • Congenital and hereditary conditions
  • Emergency care
  • Exam fees
  • Hospital stays
  • Approved illnesses
  • Prescription medicine
  • Surgeries
  • Ultrasounds and X Rays

What’s Excluded

Most accident and illness policies do not offer protection for the expenses below:

  • Behavioral treatment
  • Boarding
  • Dental care
  • Elective operations
  • Grooming services
  • Pre-existing conditions
  • Preventive and routine care
  • Spaying/neutering

Does Pet Insurance Cover Exotic Pets?

If your beloved pet has scales rather than fur, you won’t be able to insure it with one of the companies above.

Exotic animals, which usually includes any pets outside of dogs and cats, are excluded from most pet insurance carriers’ policies.

However, there are a few select companies that offer coverage for exotic animals.

Your exotic pet will be in good hands with Nationwide’s exotic pet policies.

You may also want to look into Wells Fargo’s Healthy Advantage program.

How Does Pet Insurance NJ Work?

Before you buy pet insurance, it’s important to understand the basics of how a pet policy works.

Here’s are a few terms to familiarize yourself with as you shop for pet insurance in NJ:

  • Premiums: With pet insurance, you pay monthly premiums to keep your pet’s coverage active. Pet insurance is straightforward. Premiums are based on several risk factors and are higher for older pets.
  • Deductibles: The deductible amount you select for your policy is how much you’ll need to pay before your policy pays out. The higher deductible you choose, the lower your premiums could be.
  • Reimbursement: The majority of pet providers use a reimbursement system, where you pay your vet expenses, file a claim, then get paid back. You can usually choose between 70-90% reimbursement, with some companies offering full reimbursement. Choosing a lower reimbursement level can score you better rates, too.
  • Waiting Period: Every pet insurance company enforces waiting periods. This is simply the amount of time you have to wait before being eligible to file a claim. Usually accident coverage kicks in within a couple weeks, while hereditary or congenital conditions might not be covered for 6 months to a year.
  • Pre-existing Conditions: Most pet insurance companies won’t cover conditions that present themselves before you buy a policy. As such, the insurance companies require a vet appointment to verify your pet’s health status, or require proof that your pet has been to a routine appointment in the last year.

How Much Does Pet Insurance Cost in New Jersey?

What you pay to insure your 6-year-old german shepherd in Trenton will look different than what your cousin in Atlantic City pays for their tabby kitten’s insurance plan.

In general, people pay anywhere from $10 to $100 for pet insurance; however, most pet owners pay between $30 and $50 for a pet policy.

Here are some of the factors that will determine your pet insurance rates:

  • Location: When you get pet insurance quotes, you’ll notice one of the first requests is for your zip code. Location matters, with metropolitan city-dwellers paying the most for coverage.
  • Type of Pet: Generally, cats are less expensive to insure than dogs because they have fewer risk factors. In addition to species, your pets’ breed matters as well, so some dogs or cats are costlier to insure than others based on their predisposition to medical conditions.
  • Age: Similarly, your pet’s age will come into play. If your pet is under 6-8 weeks old or over 14 years, you’ll have a hard time getting them insured. Since older dogs and cats are more at risk of health issues, their coverage is more expensive.
  • Level of Coverage: The type of policy you buy and the level of protection you choose has a huge effect on your monthly premiums. For example, adding routine care to your policy can increase premiums, while opting for only an accident plan can lessen them.
  • Policy Structure: The way you structure your policy also affects the cost of coverage, specifically, the reimbursement and deductible levels you choose.

Shopping for Pet Insurance in New Jersey

Buying pet insurance for your dog or cat in the Garden State couldn’t be easier.

As you can see above, you have several great providers to choose from, and each has unique benefits to offer.

If you’re interested in learning more about the pet insurance companies in this article, you can easily find out more on their websites, where you should be able to get quick quotes.

That way, you can be sure you’re getting the coverage you need at the lowest cost possible.

From there, you can buy a policy online in just a few clicks, protecting your furriest family members.

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