Best Pet Insurance in New Jersey

Lemonade is the best pet insurance company for cats and dogs in New Jersey. Other quality choices in the state include Pumpkin, AKC, Pets Best and Spot.

AKC dominates the best pet insurance rankings for most dog breeds in New Jersey, while Lemonade and Pets Best are the top choices for select breeds. Review which companies are best for your dog below.

AKC ranks highly for insuring most cat breeds in New Jersey, while Rainwalk is a strong alternative provider. Review which companies are best for your cat in the state below.

In New Jersey, Lemonade offers the most affordable dog insurance at $58 per month or $700 per year. For cats, Pumpkin provides the cheapest coverage at $24 monthly or $292 annually.

In New Jersey, Lemonade, Pumpkin and Pets Best offer the most affordable dog insurance across breeds, with plans starting at $19 monthly.

In New Jersey, Pets Best (13 wins), Lemonade (8 wins) and Pumpkin (8 wins) offer the most affordable coverage across cat breeds. Rates start at $17 per month for standard plans.

New Jersey pet insurance costs an average of $102 monthly for dogs and $52 for cats. New Jersey pet owners pay more than the national average, with dog insurance costing 13% more and cat coverage running 14% higher than typical rates.

Here's how to find the best pet insurance for your needs in New Jersey:

Lemonade is our top pick for pet insurance in New Jersey, offering the most affordable coverage for dogs. For cat owners looking to save, Pumpkin provides the cheapest policies. While these are strong options, compare multiple providers to find coverage that matches your pet's needs.

Here are answers to common questions about New Jersey pet insurance.

Pet insurance can feel complex, with varying policies that may exclude breed-specific issues like joint problems in Labs. We know you need coverage that works for your pet's actual risks. We designed our methodology to assess affordability and coverage depth for common pet profiles, empowering you to find reliable financial protection.

Data Collection and Sample Profiles

We researched all 20 major pet insurance providers in the United States, compared their policies, and gathered quotes for New Jersey residents. This approach allowed us to see competitive pricing against a consistent set of policy terms.

Our standard comparison profiles included:

• 6-year-old Labrador Retriever (if dog)
• 7-year-old Ragdoll (if cat)

We used these comparison policy limits:

• $5,000 annual limit
• 80% reimbursement
• $500 deductible

These ages and breeds were chosen to reflect common, medium-to-high risk profiles. Labrador Retrievers are prone to expensive orthopedic issues like hip dysplasia, while Ragdolls are prone to heart and kidney issues, which test the depth of coverage.

Our Company Rating System

We simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information. Our system is heavily weighted toward cost, which matters for most pet owners.

• Affordability (50%): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
• Customer experience (30%): Scores reflected customer ratings we reviewed across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies.
• Coverage options (20%): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.