Best Pet Insurance in New Jersey

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

AKC ranks first for most dog breeds in New Jersey, while Lemonade and Pets Best lead for specific breeds. Review which companies are best for your dog below.

AKC ranks first for most cat breeds in New Jersey, while Rainwalk is another top option. 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.

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

In New Jersey, Pets Best offers the most affordable coverage across 13 cat breeds, followed by Lemonade and Pumpkin (eight breeds each).

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 costing 14% more than typical rates.

Lemonade is our top pick for pet insurance in New Jersey. Lemonade offers the most affordable dog coverage. For cat owners, Pumpkin provides the cheapest policies. Get quotes from multiple providers to find coverage for your pet's needs.

Common questions about pet insurance in New Jersey:

Pet insurance policies vary and may exclude breed-specific issues like joint problems in Labrador Retrievers. You need coverage for your pet's actual risks. We assessed affordability and coverage depth for common pet profiles to help you 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 using consistent policy terms.

Standard comparison profiles:

• 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 represent 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

Our rating system weighs cost heavily (50%), as it matters most to pet owners. We also evaluated customer experience (30%) and coverage options (20%).

• 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.