Best Pet insurance In New Jersey For 2024
Lemonade Pet Insurance holds the number one position on my list of New Jersey pet insurers.
We’ve saved shoppers an average of $350 per year on their pet insurance.
I compared different pet insurance providers to identify the most comprehensive coverage for various scenarios. Lemonade Pet Insurance stood out as the best all-around option in New Jersey.
In the upcoming sections, we’ll explore leading pet insurance providers in New Jersey and how different factors influence the overall costs.
Best Pet Insurance Companies In New Jersey 2024
Compare The Best Pet Insurance Companies In New Jersey
| Overall Rating | Best For | Coverage Waiting Period | Average Annual Cost for Cats | Average Annual Cost for Dogs | Get A Quote | |
|---|---|---|---|---|---|---|
| ASPCA |
|
New Pet Owners |
Immediately for Preventive Care and 14 Days for Illnesses and Accidents |
$39 |
$83.30 |
Instant Quote |
| Lemonade |
|
Overall Coverage |
2 Days for Accidents and 14 Days for Illnesses |
$20 |
$35.18 |
Instant Quote |
| Lemonade |
|
Affordable Coverage |
2 Days for Accidents and 14 Days for Illnesses |
$20 |
$35.18 |
Instant Quote |
| Lemonade |
|
Owners of Young Pets |
2 Days for Accidents and 14 Days for Illnesses |
$20 |
$35.18 |
Instant Quote |
| Embrace |
|
Cat Owners |
48 Hours for Accidents and 14 Days for Illnesses |
$22 |
$48.25 |
Instant Quote |
| Pets Best |
|
Owners of Multiple Pets |
3 Days for Accidents and 14 Days for Illnesses |
$31 |
$41.39 |
Instant Quote |
Best Pet Insurance Companies In New Jersey
Best Overall Coverage
Key Statistics
Why We Like Them
⇅A pet insurance company’s success in a region is shaped by pricing, customer service, and claims handling. In New Jersey, Lemonade Pet Insurance leads the pack, with monthly premiums of $18.41 for cats and $35.18 for dogs. Pet parents also recognized Lemonade for its outstanding customer service and compassionate approach to pet care.
Benefits & Drawbacks
⇅- Two-day delay after an accident
- Superior claims handling division
- You'll find plenty of discounts to choose from.
- Part of the monthly fees is allocated to nonprofit donations. ✓
- Enrollment eligibility for certain pet breeds varies by age.
- Policies are not available in all states.
- The cost of pet insurance takes into consideration the pet owner's credit rating and claims history. ✘
Cheapest Rates for Young Pets
Key Statistics
Why We Like Them
⇅Adopting a young pet can be an exciting experience for many families, though the responsibilities that come with a new kitten or puppy can feel overwhelming. Besides training, it’s important to choose a pet insurance provider that simplifies the process of coverage. Lemonade Pet Insurance offers affordable rates and a user-friendly mobile app, backed by a great customer service team. With average premiums of $18.14 for cats and $35.18 for dogs, Lemonade is a top pick for pet owners with young animals.
Benefits & Drawbacks
⇅- A 2-day waiting period applies for policyholders seeking pet injury reimbursement.
- The speed of claims processing is remarkable.
- Many discounts are available for policyholders to use.
- A portion of the premium paid by policyholders supports nonprofit initiatives. ✓
- Insurance eligibility for certain pet breeds expires when they reach a certain age.
- Not every state in the U.S. is covered by this policy.
- Pet owners' insurance rates are influenced by their credit history and past insurance claims. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅Pet owners often think pet insurance is expensive, but Lemonade Pet Insurance changes that perception with affordable plans. Cat owners pay an average of $18.41, and dog owners around $35.18. Lemonade also provides discounts, such as bundling, which can reduce costs by up to 15%, and their mobile app makes managing policies simple and convenient.
Benefits & Drawbacks
⇅- You must wait 48 hours after an accident.
- More efficient claims processing compared to leading competitors.
- There's a diverse array of discounts available.
- Some of your insurance cost benefits charities. ✓
- Insurance coverage for select pet breeds ends upon reaching a specific age.
- Coverage restrictions are in place based on your residency state.
- Pet insurance rates fluctuate with the owner's credit score and claim history. ✘
Cheapest Rates for Cat Owners
Key Statistics
Why We Like Them
⇅New Jersey cat owners looking for top-tier insurance should consider Embrace Pet Insurance. Their policies cost about $20.44 per month on average. Additionally, Embrace donates $2 to charity with each policy sold. They’re also partnered with major insurance companies like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- Accessible policy choices are affordable.
- Several typical policies offer protection for treatable pre-existing health conditions.
- To bypass the wait for orthopedic care, pet owners should obtain a veterinary examination. ✓
- Pets aged 14 and over can only be insured for accidents.
- Regular policies do not cover additional features. ✘
Cheapest Rates for New Pet Owners
Key Statistics
Why We Like Them
⇅For new pet owners, it’s important to select an insurer with a strong reputation, such as ASPCA. While ASPCA’s premiums are higher—averaging $38.67 for cats and $83.30 for dogs—they offer valuable perks. There are no age limits, so senior pets can be insured, and they cover behavioral and alternative therapies, which are beneficial for some dog breeds.
Benefits & Drawbacks
⇅- The plan covers a variety of items, such as alternative therapies, behavioral issues, and congenital conditions.
- Waiting period for cruciate injuries is 14 days.
- Reach out to a vet day or night via our telehealth service.
- Traditional policies cover vet clinic visit fees for sicknesses and accidents. ✓
- Unlimited annual coverage is accessible solely through an agent.
- The range of deductible options is narrow ✘
Cheapest Rates for Multiple Pets
Key Statistics
Why We Like Them
⇅Managing multiple pets can mean higher costs for food and toys, but it could also reduce your pet insurance expenses. Companies like Pets Best offer multi-pet discounts. Their premiums are budget-friendly, averaging $29.54 per month for cats and $41.39 for dogs. Pets Best also provides a 24/7 vet helpline and coverage for pets with disabilities or prosthetics.
Benefits & Drawbacks
⇅- We provide coverage for pets that require wheelchairs or prosthetics.
- Need veterinary assistance? Call the 24/7 vet healthline.
- You're covered for accidents after waiting a mere three days.
- You have a range of choices when it comes to accident and illness insurance coverage. ✓
- The speed of claims processing lags behind that of other competitors.
- You can only update policies when renewing them. ✘
Largest Pet Insurance Companies In The United States
| Company Name | Market Share % |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | .73% |
| Pumpkin Pet Insurance | .48% |
Average Cost Of Pet Insurance In New Jersey — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $16 |
| Sphynx | $14 |
| Siamese | $26 |
| Maine Coon | $29 |
Average Pet Insurance Rates In New Jersey — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Vizsla | $21 |
| Labradoodle | $38 |
| Pug | $58 |
| Beagle | $79 |
Average Cost Of Accident-Only Pet Insurance In New Jersey
| Insurance Provider | Average Monthly Cost for Accident-Only Coverage |
| Lemonade | $31 |
| Pets Best | $35 |
| TrustedPals | $38 |
| Figo | $45 |
| ASPCA | $56 |
Average Rates For Comprehensive Pet Insurance In New Jersey
| Insurance Provider | Average Monthly Cost for Comprehensive Coverage |
| ManyPets | $34 |
| Pets Best | $41 |
| Lemonade | $48 |
| Trusted Pals | $52 |
| Healthy Paws | $57 |
How to find the best pet insurance company for you
Purchasing pet insurance resembles acquiring health or life insurance. Comparing rates and coverage options is essential, but understanding the fundamental aspects of a pet insurance policy is the first step. Most insurers provide either accident-only coverage or more comprehensive plans that include both accidents and illnesses.
Accident-only coverage is generally more appropriate for younger pets with fewer health risks, while comprehensive plans are ideal for breeds with a higher risk profile. Additionally, check the waiting period, as different providers have their own rules regarding coverage for accidents and illnesses.
Pet Insurance Discounts In New Jersey
Like with regular health insurance, pet insurance prices in New Jersey can vary depending on your location. To help lower your costs, consider exploring various discounts. While discount offerings differ among providers, you might find these options available:
- Discounts from your employer
- Discounts for multiple pets
- Union-based discounts
- Discounts through special interest or wholesale clubs
- Discounts for multiple insurance policies
- Discounts for military members and veterans
- Discounts for seniors
- Discounts for online purchases
- Discounts for those working in animal care
- Discounts for service animals
How To Buy Pet Insurance In New Jersey
Using platforms like Insuranceopedia makes acquiring pet insurance a straightforward process.
Collect necessary information ahead of time, including your pet’s type, breed, age, medical history, and any lineage-related documentation.
Choose a coverage amount and deductible that are tailored to your pet’s needs.
Evaluate quotes from at least three separate pet insurance companies to compare coverage and costs.
Finalize your insurance policy and update your veterinarian with the new coverage information.
Factors That Impact Cost Of Your Pet Insurance Policy In New Jersey
Many pet owners assume that their pet’s insurance cost is determined by only a few factors. In fact, several factors affect the cost, including:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet
The kind of pet you have affects your monthly insurance cost. Typically, dog owners face premiums 2-3 times higher than cat owners due to the increased risks associated with dogs being outdoors.
Breed
Your pet’s breed also influences insurance costs. While most dog breeds don’t drastically affect premiums, certain breeds, like boxers and bulldogs, are considered high-risk due to their susceptibility to specific health problems.
Age
Age is another significant factor in insurance rates. Some providers offer reasonable rates for pets of any age, while others may exclude older pets. If your pet is senior, it’s important to explore various options.
Insurance Type
Pet insurance usually offers either accident-only or accident and illness coverage. Comprehensive plans are more expensive but provide broader protection. Consider if the additional coverage is worth the extra cost.
Location
Insurance premiums can also vary by location. While differences between cities are generally small, some regions may have higher premiums due to a greater number of claims.
Our Methodology
In our search for economical pet insurance in New Jersey, we examined data from multiple providers. Our team of insurance professionals, with over 20 years of industry experience, also contributed insights. Remember, the rates in this guide are current, but premiums can change daily depending on factors such as your pet's age and breed.
Quotes Analyzed
Brands Reviewed
Hours of Research
Years of Experience
FAQs
Do all vets take pet insurance in New Jersey?
New Jersey veterinary clinics accept pet insurance, but pet owners need to pay for their pet’s medical treatments initially and then claim reimbursement from the insurance provider.
Do I legally have to insure my pet in New Jersey?
Having pet insurance is advisable for your furry companions, but remember that in New Jersey, it’s not legally necessary to insure your dog or cat.
How much is pet insurance in New Jersey?
Following the national trend, pet insurance premiums for cats in New Jersey are usually lower than for dogs. On average, cat insurance is $27.56 per month, compared to $48.81 for dog insurance.
Related Content
How Does Pet Insurance Work? Do All Vets Take Pet Insurance? Is Pet Insurance Worth It?
Find A Policy
Rhodesian Ridgeback Insurance American Staffordshire Terrier Insurance Afghan Hound Pet Insurance
Pet Insurance In Your Area
Pet Insurance Missouri Pet Insurance Washington State Pet Insurance Wisconsin
