Pets are part of the family, and it’s important to make sure they get taken care of. Many people skip buying pet insurance because they think their furry friends won’t need much medical attention. Unfortunately, these assumptions can lead to significant, unexpected expenses down the road if your animal does get sick. A bit of pre-planning is all you need to secure your financial protection and your pet’s health.

MoneyGeek gathered insurance quotes data from various New Jersey top cities, including Elizabeth, Jersey City, Newark and Paterson. By doing so, we hope to help you find the best and most cost-effective pet insurance provider in the state that fits your budget and meets your pet’s needs.

The Best Pet Insurance Companies in New Jersey

To find the best pet insurance companies in New Jersey, MoneyGeek conducted extensive research to identify the top pet insurance providers in New Jersey. This includes reviewing thousands of quotations and documenting coverage data for companies that provide pet insurance in New Jersey.

MoneyGeek selected the top pet insurance providers based on affordability and product offerings. The cost of pet insurance in New Jersey varies depending on your pet’s breed, age, the coverage you select, the company you choose, and even your own location. Before choosing a provider, it’s always a good idea to shop around to compare prices and plans from different providers.

Best Overall Pet Insurance in New Jersey for Your Pet

Pets Best

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No upper age limit

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Covers ongoing and chronic conditions

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Has a 24/7 helpline

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Only two annual limit options

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Does not cover preventive or elective care

COMPANY HIGHLIGHTS

While there are many options available, MoneyGeek’s top pick for the overall best pet insurance company in New Jersey is Pets Best. They offer comprehensive coverage that makes them a clear choice for top-rated pet insurance companies in New Jersey. Pets Best insures pets for an average of $30.82 per month.

In addition to pet insurance plans that cover accidents, illnesses, surgeries and cancer treatments, Pets Best offers wellness coverage for routine care and specialized coverage plans. Their accident-only plan is an option for pet owners on a tight budget; it costs an average of $6 per month for cats and $9 per month for dogs. Pets Best provides a choice of two annual coverage limits ($5,000 or unlimited), with deductibles ranging from $50 to $1,000, and reimbursement rates between 70%-90%.

Best Pet Insurance Company in New Jersey: Unlimited Coverage

Healthy Paws

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Fast claim payout

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No maximum annual or lifetime payouts

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Covers hereditary and congenital conditions

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Covers hip dysplasia for pets enrolled under the age of six

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Does not cover exam fees

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Does not cover preventive care

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15-day waiting period for accidents and illnesses

COMPANY HIGHLIGHTS

Healthy Paws is MoneyGeek’s top pick for unlimited coverage in New Jersey. It costs $34.58 per month on average. Although more costly than plans with lower annual coverage, pet insurance with unlimited coverage protects you financially if your pet unexpectedly requires expensive treatment.

The insurer’s pet coverage provides a single plan that covers accidents, illnesses and injuries, including emergency treatment, cancer care, breed-specific problems and genetic and congenital conditions. There are no limits on coverage either per incident, per year or lifetime, and most claims are processed within two days.

While Healthy Paws does not cover herbal medicine or homeopathy treatments, it does cover holistic and alternative therapies such as hydrotherapy, acupuncture, chiropractic therapy, physical therapy and massage therapy.

Best Pet Insurance Company in New Jersey: Affordable Coverage

Pet Plan

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Covers complete sick visit

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Alternative therapies covered

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Covers aging eye and ear problems

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Does not cover preventive care or vaccines

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No multi-pet discount

COMPANY HIGHLIGHTS

Petplan is our top pick for the cheapest pet insurance in New Jersey. Petplan’s $5,000 annual maximum coverage costs an average of $22.11 per month.

This insurer covers the cost of the complete sick visit, including the exam fee, except if the visit is a result of routine or elective procedures. Chronic and hereditary conditions are covered as are alternative therapies such as veterinary acupuncture, homeotherapy, chiropractic treatment and stem cell therapy.

Best Pet Insurance Company in New Jersey: Multiple Pets

Pets Best

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Multi-pet discount of 5% per pet

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Offers two tiers of routine care coverage for additional premium

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Offers accident-only coverage

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Does not cover testing, treatment and prevention of parasites, although limited coverage available as an add-on

COMPANY HIGHLIGHTS

MoneyGeek's top option for low-cost coverage for more than one pet in New Jersey is Pets Best, with a premium of $27.74 per month on average. Pet owners receive a 5% discount when insuring more than one pet with Pets Best.

Coverage through the insurer’s accident and illness plans includes accidents, illnesses, cancer treatments, emergency care and surgery. In order to reduce your premium, you can exclude coverage for things like exam fees, acupuncture, chiropractic treatment and prescription medicine. The insurer does not cover elective and preventive procedures such as dewclaw removal and anal gland expression.

Best Pet Insurance Company in New Jersey: Cats

Embrace

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10% discount for multiple pets

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Covers hip dysplasia

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Accident-only coverage available

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Does not offer unlimited coverage

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Does not cover preventive care

COMPANY HIGHLIGHTS

Embrace is MoneyGeek's top pick for pet insurance for cats in New Jersey. Cat insurance prices are lower when compared to other types of pet insurance. A cat insurance policy with Embrace costs an average of $17.06 per month.

The insurer offers a 10% multiple pet discount and covers congenital and chronic conditions. Coverage also includes alternative therapies such as acupuncture, behavioral therapy and training, and chronic conditions over multiple years. Dental care is covered too, up to $1,000 per year, for extractions, gingivitis and root canals, with no dental exam required.

Best Pets Insurance in New Jersey Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $31
  • Unlimited Coverage
    Healthy Paws
    $35
  • Affordable Coverage
    Pet Plan
    $22
  • Multiple Pets
    Pets Best
    $28
  • Cats
    Embrace
    $17

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in New Jersey?

The cost of pet insurance in New Jersey is impacted by many factors, including your pet's age, breed, the level of coverage you choose and even your zip code. The average cost of dog insurance across the state is $29.18 per month for up to $5,000 in coverage per year, $53.14 per month for a $10,000 coverage limit and $55.53 per month for unlimited coverage. Cats are typically less expensive to insure, and cost on average $15.76 per month for a $5,000 coverage limit, $26.18 per month for a $10,000 coverage limit and $38.45 per month for unlimited coverage.

Other variables can impact the cost of insurance in addition to those mentioned. For example, your deductible and whether you choose any extra features or treatments will make a difference to your premium. Since every insurer weighs these factors differently, it’s a good idea to get a few personalized quotes before deciding on a policy.

Average Monthly Cost of Pet Insurance in New Jersey

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $29
    $53
    $56
  • Average Cost for a Cat
    $16
    $26
    $38
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HOW MUCH PET INSURANCE DO YOU NEED IN NEW JERSEY?

We recommend $8k to $20k in coverage for the average New Jersey pet owner, with a reimbursement rate of at least 80%. It’s enough coverage to protect you financially if your pet needs emergency medical care or suddenly gets sick.

Compare the Cheapest Pet Insurance Quotes in New Jersey

MoneyGeek wants to help pet owners in New Jersey understand the typical options most insurance companies provide. These include:

  • Annual reimbursement limits: these usually range from $3,000 to unlimited
  • Deductible: $250 to $500 per year, but some companies have higher or lower options
  • Bill reimbursement percentage: 70-90%

Some New Jersey pet owners may choose less expensive policies with lesser coverage levels to keep their monthly expenses under control or because they don’t think they need high coverage. Others prefer the security that high coverage levels offer. While it’s more expensive and the average pet owner may not desire unlimited protection, it does provide the best financial protection for you. MoneyGeek generally recommends the average coverage amount below for pet insurance shoppers in New Jersey.

Cheapest Pet Insurance in New Jersey by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pet Plan
    $22
  • $10,000
    GEICO
    $43
  • Unlimited
    Healthy Paws
    $35

To save money on pet insurance, consider a low annual limit, high deductible and low reimbursement. In the below table, we’ve compared New Jersey pet insurance policies with a $5,000 coverage limit, $500 deductible, and 80% reimbursement.

Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pet Plan
    $22
  • Hartville
    $26
  • ASPCA
    $26
  • Spot
    $26
  • GEICO
    $31
  • Embrace
    $31
  • 24 Pet Watch
    $38
  • Figo
    $40
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • GEICO
    $43
  • Embrace
    $43
  • ASPCA
    $48
  • Hartville
    $48
  • Spot
    $48
  • 24 Pet Watch
    $50
  • Pumpkin
    $56
  • Figo
    $58
  • Nationwide
    $84
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Healthy Paws
    $35
  • Pets Best
    $39
  • Pet Plan
    $48
  • Trupanion
    $63
  • Spot
    $73
  • Figo
    $76

The Best Cheap Pet Insurance by City in New Jersey

When it comes to the cost of your pet's insurance, where you live can be just as crucial as your pet's age and breed. This is because medical treatment may be more expensive in your area.

For example, the higher cost of living in many New Jersey cities means that veterinary medical treatment and insurance premiums are more costly. Added to that, certain cities may be more dangerous for your pets due to adverse weather conditions, high levels of traffic and congestion or other circumstances. Your insurance premiums may reflect those circumstances in your premiums. Of course, the type and level of coverage you choose will also impact your monthly pet insurance payments.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Elizabeth
    $5k: Pet Plan, $22
    Unlimited: Healthy Paws, $36
    $10k: Embrace, $40
  • Jersey City
    $5k: Pet Plan, $22
    Unlimited: Healthy Paws, $36
    $10k: ASPCA, $48
    $10k: Hartville, $48
    $10k: Spot, $48
  • Newark
    $5k: Pets Best, $22
    Unlimited: Healthy Paws, $30
    $10k: Embrace, $44
  • Paterson
    $5k: Pets Best, $21
    Unlimited: Healthy Paws, $36
    $10k: Embrace, $40

MoneyGeek used city-based data in New Jersey by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.

What Factors Impact Pet Insurance Cost in New Jersey?

The cost of pet insurance in New Jersey is impacted by your pet's age, breed, the coverage level you choose, where you live, and the insurance company itself. Most policies allow you to customize your coverage limits to create a policy that works for you and your pet.

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    Annual reimbursement limits

    The annual reimbursement or coverage limit refers to the total amount of money your insurance provider will pay towards your pet’s medical expenses each year. Annual coverage plans in New Jersey typically range from $3,000 to unlimited.

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    Deductible

    The deductible is the amount you have to pay out-of-pocket before you make a claim. For the most part, a higher deductible will save you money on your insurance premium.

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    Bill reimbursement percentage

    After the deductible is applied, the reimbursement rate is the percentage of eligible expenses reimbursed to you by the insurance provider. Most pay between 70% and 90% of the claim. If you have a higher reimbursement rate, your monthly payment will be higher.

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    Breed

    The breed of your pet has an impact on the cost of your insurance coverage. Larger breeds have higher insurance rates. Insuring cats is less expensive than insuring dogs. Breeds with congenital issues are more costly to insure than other breeds.

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    Animal age

    The cost of pet insurance rises with the age of your pet. The reason for this is that many pets develop health problems as they become older.

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    Location

    Where you reside can have a significant impact on the cost of pet insurance. The cost of living in your city and the associated risks of living there can make veterinary care and pet insurance premiums more expensive.

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    Multi-pet discounts

    Pet insurance discounts of 5% or 10% are available from certain companies if you have more than one pet insured.

FAQ’s About Pet Insurance in New Jersey

Is pet insurance in New Jersey worth it?
Which company has the cheapest pet insurance in New Jersey?
What is the cost of pet insurance in New Jersey?
What are the best pet insurance companies in New Jersey?

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team gathered thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet's needs.

To determine the best pet insurance companies in New Jersey, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in New Jersey and determine affordability scores, MoneyGeek gathered quotes by company across many zip codes in the state for four pet types with the following coverage levels:

  • Low Coverage: $5,000 Coverage, $500 Deductible, 80% reimbursement
  • Average Coverage: $10,000 Coverage, $250 Deductible, 80% reimbursement
  • High Coverage: Unlimited Coverage, $250 Deductible, 90% reimbursement

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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