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7 Best Pet Insurance Companies in New Jersey (2021)

Whether you live in Newark, Trenton, or another city in New Jersey, a pet insurance policy can prevent you from paying for expensive vet bills and protect your pet in the event of an emergency. Keep reading to learn about the top pet insurance providers in the state.

A white pitbull mix with cropped ears, blue collar, and pink bone-shaped tag sits in a doorway of a home with her head tilted. Adobe

When your pet is unexpectedly injured, or an illness leaves it needing immediate medical attention, you might have to pay expensive vet bills to get the necessary treatment. Pet insurance helps you mediate those expenses and gives you peace of mind that your furry friend will be properly cared for during an emergency. Not to mention, many pet insurance providers offer wellness plans that cover routine care, keeping your pet healthy all year long.

The This Old House Reviews team dug deep into the pet insurance industry and researched the best pet insurance companies in the Garden State, offering details on each company’s benefits, coverage, plans, and local prices based on sample quotes in Jersey City, New Jersey, for a few different cat and dog breeds.

We recommend getting quotes from a few of these providers to compare prices since premiums vary depending on your ZIP code and animal’s specific details, such as breed, size, and age.

New Jersey’s Top 8 Pet Insurance Companies

  1. Best Overall: Lemonade
  2. Best Coverage Limit: Healthy Paws
  3. Best Deductibles: Embrace
  4. Best Holistic Coverage: Petplan
  5. Most Customizable Plans: Spot
  6. Best Digital Clinic: Pawp
  7. Best for New Pet Owners: ASPCA Pet Health Insurance

1. Best Overall: Lemonade

Scoring a 96 out of 100, Lemonade is our top performer for many reasons, winning our “Best Overall” rating.

Some highlights include:

  • Variety of coverage options with each plan
  • Extensive list of covered procedures
  • Wellness add-on & extended coverage add-on available
  • Mobile app for streamlined claims process
  • Charitable giveback program

The company primarily lost points for its C rating on the Better Business Bureau (BBB), lower than most other top providers. However, this rating is due to many complaints about Lemonade’s other insurance products, specifically homeowners insurance and renters insurance.

To get an instant pet insurance quote from Lemonade, fill out this simple online form.

Lemonade Pros and Cons

Compare the advantages and disadvantages of Lemonade:

✔ Doesn’t have an age limit for coverage
✔ Has a high annual limit option of $100,000
✔ Has a bundling discount for Lemonade home insurance policyholders

✘ Doesn’t have a phone number for customer service calls
✘ Doesn’t cover behavioral treatment or dental care

Lemonade Plans and Coverage

Lemonade offers one plan for accidents and illnesses, covering vet bills from diagnostics, procedures, and medication-related to various accidents and illnesses, such as injuries, broken bones, sprains, cancer, infections, heart diseases, hip dysplasia, and hernias. Lemonade doesn’t cover pre-existing conditions, elective procedures, or behavioral treatments.

Lemonade also offers a wellness add-on for preventive and routine care, including annual exams, heartworm tests, internal parasite tests, blood work, and three vaccines. This plan costs around $16–$25 per month, depending on your pet and level of coverage. It also provides an add-on for coverage on vet visit fees and another one for physical therapy, acupuncture, and chiropractic care.

Lemonade Sample Monthly Pricing

Species and Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species and Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and Illness Plan $29.42 $42.50 $27.00 $17.17
Accident and Illness Plan With Preventative Care $45.42 $58.50 $43.00 $27.17
Accident and Illness Plan With Vet Fees and Physical Therapy $37.58 $54.33 $34.50 $21.92

2. Best Coverage Limit: Healthy Paws

Healthy Paws scored a 93.5 out of 100, impressing us with its unlimited coverage limit.

Some highlights include:

  • Ability to maximize policy without worrying about annual, lifetime, or per-incident limits
  • Great option for pet-parents who want more than a basic wellness plan

Fill out your pet’s information and ZIP code on the Healthy Paws online quote tool to compare prices with other providers.

Healthy Paws Pros and Cons

Compare the advantages and disadvantages of Healthy Paws:

✔ Has a comparison tool that recommends other companies with better prices when quoted premiums are higher than normal
✔ Offers a 30-day money-back guarantee
✔ Has a donation program to support homeless pets

✘ Doesn’t offer any add-ons for wellness or routine care
✘ Has less customizability than competitors

Healthy Paws Plans and Coverage

Healthy Paws offers only one plan for accidents and illnesses without any wellness care add-ons. This plan comes with an unlimited coverage cap and your choice of a 70% or 80% reimbursement and a $250 or $500 annual deductible. It covers hereditary, congenital, and chronic conditions, as well as most common accidents and illnesses. Covered procedures or vet visits in this plan include X-rays, surgery, hospitalization, medications, emergency care, specialty care, alternative treatments, and more.

Healthy Paws pet insurance policies exclude pre-existing conditions, preventative care, spay or neuter procedures, and vet office or exam fees. It also has a longer-than-average waiting period of 15 days for covered accidents and illnesses from the time of the policy’s effective start date.

Healthy Paws Sample Monthly Pricing

Species and Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species and Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and Illness Plan $40.44 $59.75 $29.79 $15.94

3. Best Deductibles: Embrace

Embrace earned a 93.5 out of 100, standing out for its deductible options and unique diminishing deductible benefit.

Some highlights include:

  • Free “Healthy Pet Deductible” benefit with each policy
  • Best for those wanting to lower out-of-pocket costs during claims
  • $50 credit toward deductible after each year you don’t file a claim

However, we recommend other providers if you need a higher coverage limit, since Embrace’s annual limit options only go as high as $30,000 per year.

Visit the Embrace website to learn more about the Healthy Pet Deductible and get a free quote based on your pet’s specific information and ZIP code in New Jersey.

Embrace Pros and Cons

Compare the advantages and disadvantages of Embrace:

✔ Provides a 10% multi-pet discount
✔ Has a helpful mobile app for policy management
✔ Offers a free medical history review

✘ Its annual limit options max out at $30,000
✘ The wellness add-on prices can be expensive compared to other providers

Embrace Plans and Coverage

Embrace’s Accident and Illness Plan covers incidents related to injuries, common illnesses, dental trauma, chronic conditions, congenital conditions, cancer, and genetic conditions. Covered vet bills can include allergy testing, acupuncture, X-rays, ultrasounds, surgery, hospitalization, lab tests, and physical therapy.

Embrace also offers a Wellness Rewards for Routine Care Plan, which covers a range of preventative care, such as grooming, flea medications, routine vet visits, teeth cleaning, and vaccinations. The annual limits for this package are $250, $450, and $650.

Embrace excludes pre-existing conditions that manifest before or during the enrollment and waiting periods of two days for accidents and 14 days for illnesses.

Embrace Sample Monthly Pricing

Species and Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species and Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and Illness Plan $39.01 $58.51 $33.63 $22.93
Accident and Illness Plan With Wellness Rewards for Routine Care Plan $57.76 $77.26 $52.38 $41.68

4. Best Holistic Coverage: Petplan

With a score of 91.5 out of 100, Petplan makes our list for its impressive coverage of holistic care, including stem cell therapy, homeotherapy, hydrotherapy, acupuncture, and chiropractic care.

Some highlights include:

  • Unlimited annual coverage limit option
  • Behavioral therapies covered up to $1,000
  • Advertising and reward costs for lost pets covered in a standard policy

Fill out this online form to get an instant quote on a Petplan policy.

Petplan Pros and Cons

Compare the advantages and disadvantages of Petplan:

✔ Features an online customer service chat on its website
✔ Includes coverage for sick visit fees
✔ Covers up to $1,000 for telehealth treatments or virtual vet visits

✘ Doesn’t offer a wellness care add-on option
✘ Requires annual medical exams and wellness checkups for your pet to be eligible for coverage

Petplan Plans and Coverage

Petplan’s accident and illness plan covers vet bills related to procedures, treatments, sick visits, and other costs, including cancer treatments, prescription medications, diagnostic tests, imaging, specialist care, hospitalization, surgery, rehabilitation, and more. It doesn’t cover pre-existing conditions that arise before or during the 15-day waiting period for both accidents and illnesses.

Although Petplan doesn’t offer any preventative care add-on options, it does include coverage for a few extras in its standard policies, such as lost-pet advertising and reward money, boarding fees when you need to put your pet in a kennel if you’re hospitalized for more than four days, and vacation cancellation costs when you need to change plans due to your dog or cat’s accident or illness.

Petplan Sample Monthly Pricing

Species and Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species and Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and Illness Plan $36.75 $47.39 $30.63 $19.66

5. Most Customizable Plans: Spot

Scoring a 91 out of 100, Spot provides the most customizable pet insurance plans on the market.

Some highlights include:

  • One of the cheapest pet insurance policies (if you select the lowest coverage limit of $2,500 and the highest annual deductible of $1,000)
  • Prices significantly high for unlimited coverage
  • Accident-Only Plan is more affordable than that of competitors

This insurer could be ideal if you’re looking for a policy with cheaper premiums. To get a free quote from Spot, fill out this quick online form on the provider’s website.

Spot Pros and Cons

Compare the advantages and disadvantages of Spot:

✔ Provides a 30-day money-back guarantee
✔ Covers hip dysplasia
✔ Includes microchip implantation

✘ Doesn’t insure pets under eight weeks old
✘ Doesn’t have a website chat for customer service

Spot Plans and Coverage

Spot’s Accident-Only Plan covers emergency vet visits and procedures pertaining to injuries, toxic ingestions, or swallowed objects. The Accident and Illness Plan covers hereditary conditions, congenital conditions, behavioral issues, cancer, respiratory infections, diabetes, dental disease, and other common illnesses. With either plan, you can select between five deductibles, three reimbursement percentage options, and six annual limits to help customize your premium.

Spot also offers the Gold Preventative Care add-on, which includes coverage for dental cleanings, wellness exams, fecal tests, heartworms tests, and vaccines for a flat rate of $9.95 per month. The Platinum Preventative Care add-on is an extra $24.95 per month for the benefits of the other package in addition to increased per-item limits and blood tests, urinalysis, deworming, flea prevention, and spaying or neutering.

Spot Sample Monthly Pricing

Species and Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species and Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident-Only Plan $21.71 $20.71 $20.71 $13.18
Accident and Illness Plan $35.89 $49.11 $30.22 $17.62

6. Best Digital Clinic: Pawp

Although Pawp’s business model is set up differently than other New Jersey pet insurance companies, we gave it a 90 out of 100 for its impressive digital clinic.

Some highlights include:

  • Ability to video call or chat with professional veterinarians 24/7
  • Single-use emergency fund of $3,000 that can be used once per year
  • Great for pet owners who want peace of mind that their pet’s issues will be solved quickly
  • Not a good fit for customers who want higher annual limits on coverage

Get started with your Pawp membership by filling out this online form.

Pawp Pros and Cons

Compare the advantages and disadvantages of Pawp:

✔ Doesn’t require deductibles or out-of-pocket payments
✔ Provides an upfront payment for vet bills before you leave the clinic
✔ Has an online chat for fast customer service

✘ Has a low coverage limit of $3,000
✘ Doesn’t allow for plan customization

Pawp Plans and Coverage

Rather than offering pet insurance plans, Pawp offers a membership that includes a $3,000 emergency fund to pay for one eligible emergency vet bill per year with no deductibles or copays. This fund can go towards anything that qualifies as an emergency, including accidents and illnesses, but an official Pawp vet must review your claim through the digital clinic before you can access the funds.

Additionally, the emergency fund doesn’t cover any pre-existing conditions that show up during enrollment or the 14-day waiting period after the membership’s effective start date.

Pawp Sample Monthly Pricing

Rather than offering plan pricing based on each dog or cat’s specific breed and age like most other providers, Pawp charges a flat rate of $24 per month for your membership. The annual limit for each emergency fund is set at $3,000 and can’t be customized.


7. Best for New Pet Owners: ASPCA Pet Health Insurance

Scoring an 89 out of 100, ASPCA Pet Health Insurance is our top recommendation for new pet owners looking to learn more about their pet’s health. The company provides a useful local vet finder on its mobile app and website and resources about various pet breeds and their common health issues.

Some highlights include:

  • Mobile app for policy management and claims
  • Pet insurance comparison tool on its website
  • Over 24 years of experience in the industry

Visit the ASPCA Pet Health Insurance website to get an instant quote based on your New Jersey ZIP code and pet’s specific information.

ASPCA Pet Health Insurance Pros and Cons

Compare the advantages and disadvantages of ASPCA Pet Health:

✔ Has a short waiting period of 14 days for hip dysplasia issues
✔ Includes microchip implantation in standard coverage
✔ Doesn’t require medical records for your pet to be eligible for a policy

✘ Doesn’t have a website chat feature for customer service
✘ Doesn’t offer options over $10,000 for annual coverage limits

ASPCA Pet Health Insurance Plans and Coverage

For comprehensive coverage on both accidents and illnesses, ASPCA Pet Health Insurance offers the Complete Coverage Plan, which includes protection for injuries, illnesses, and other conditions such as hereditary conditions, chronic conditions, hip dysplasia, cancer, hypothyroidism, and more. It also offers the Accident-Only Plan for pet parents who want coverage for unexpected emergencies related to accidents and injuries like broken bones and cuts. Neither plan covers pre-existing conditions that arise before the policy’s coverage start date or during the 14-day waiting period.

ASPCA Pet Health Insurance offers the Basic Preventative Plan that covers $250 per year for routine care, such as deworming, a wellness exam, and two vaccines for a flat rate of $9.95 per month. You can also purchase the Prime Plan for $24.95 per month. This plan covers $450 per year for everything in the Basic Preventative Plan plus a few more preventative items like another vaccine, a health certificate, and a blood test.

ASPCA Pet Health Insurance Sample Monthly Pricing

Species and Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species and Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident-Only Plan $20.55 $20.55 $20.55 $11.74
Complete Coverage Plan $36.00 $49.27 $30.32 $18.12

How Much Is Pet Insurance in New Jersey?

Based on our research, standard accident and illness pet insurance policies in New Jersey typically cost an average of $20–$50 per month for dogs and $10–$30 per month for cats. Here are a few factors that may affect your monthly pet insurance premium:

  • Breed: One of the biggest factors that can affect your monthly premium is the breed of your dog or cat. Some breeds are more prone to diseases and illnesses and, therefore, are riskier for companies to insure, causing premium prices to be higher. For example, our quotes for a golden retriever were significantly higher than other breeds, since golden retrievers are prone to bacterial infections and other health issues.
  • Age: Insuring your pet at an older age can cost more, since older pets are prone to illnesses and accidents, but most companies won’t increase your insurance rate just because of your pet’s age. Signing up for a pet insurance policy when your pet is young can prevent rates from increasing as your pet gets older.
  • Location: Your ZIP code may affect your premiums, so getting multiple quotes in your area is the best way to compare rates.
  • Customization: Making certain selections on your policy’s annual coverage limits, reimbursement rates, and deductibles can help decrease your premiums. For example, a policy with a low annual limit, high deductible of $1,000, and 70% reimbursement rate offers the cheapest premium. However, these choices can ultimately result in higher out-of-pocket costs during a claim.
  • Discounts: Many companies, such as Embrace and Pumpkin, offer 5%–10% off your premium for adding multiple pets to your policy. Embrace also has a military discount to help decrease premiums for active service members. Additionally, Lemonade has a 10% discount for any homeowners who bundle their pet insurance with a Lemonade home insurance policy.

Frequently Asked Questions

What are common dog breeds in New Jersey?

According to NJ.com, the 15 most common dogs breeds in New Jersey are Labrador retrievers, German shepherds, golden retrievers, French bulldogs, bulldogs, rottweilers, poodles, Yorkshire terriers, Havaneses, beagles, Siberian huskies, German shorthaired pointers, boxers, dobermans, and Cavalier King Charles Spaniels.

Does pet insurance cover pre-existing conditions?

No, pet insurance companies exclude pre-existing conditions, including any condition your pet shows during the enrollment or dedicated waiting period after the policy starts. Because of this, most companies require a medical history report from your vet before coverage starts. However, many companies do cover hereditary, genetic, or chronic conditions as long as your pet’s symptoms show up after the waiting period.

Is pet insurance worth the money in New Jersey?

Since vet bills can be expensive when your animal gets sick or injured unexpectedly, pet insurance can assist with those costs and ensure that your pet gets treated quickly. Additionally, since many companies offer plan customization, you can set up your premium so you only pay for what your pet needs.


Our Conclusion

Whether you love taking your dog for a stroll in Jersey City or you enjoy the company of your cat indoors, knowing that your pet will receive immediate treatment in the event of an emergency with a pet insurance plan can provide peace of mind.

Lemonade, Healthy Paws, Embrace, Spot, Pawp, and Pumpkin all offer excellent pet insurance policies in New Jersey. We ultimately recommend getting custom quotes from at least three of these providers to compare their coverage offerings and plan pricing.

Compare New Jersey’s Best Pet Insurance Companies

Provider Lemonade Healthy Paws Embrace Petplan Spot Pawp ASPCA
Provider Lemonade Healthy Paws Embrace Petplan Spot Pawp ASPCA
Get a quote Lemonade.com HealthyPawsPetInsurance.com EmbracePetInsurance.com GoPetplan.com SpotPetIns.com Pawp.com ASPCAPetInsurance.com
Our score 96 93.5 93.5 91.5 91 90 89
Sample monthly premium* $29.42 $40.44 $39.01 $36.75 $35.89 $24.00 $36.00
Number of plans and add-ons 3 1 2 1 4 1 4
Waiting period 2 days for accidents and 14 days for illnesses 15 days for accidents and 15 days for illnesses 2 days for accidents and 14 days for illnesses 15 days for all conditions 14 days for accidents and 14 days for illnesses 14 days for accidents and 14 days for illnesses 14 days for accidents and 14 days for illnesses
Customer service Email and chat on mobile app Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours Contact form and phone with no weekend availability Email and live chat Contact form and phone with no weekend availability
BBB rating** C A A+ A+ A NR A+

*Based on sample quotes for a mixed four-year-old dog in Jersey City, New Jersey (07305 ZIP code)

**Based on scores pulled from each company’s BBB profile as of April 23, 2021


Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.