Best Pet Insurance in New Jersey in 2023

Embrace, ManyPets and Pets Best are the best pet insurance companies in New Jersey.

Our pet insurance insurance experts analyzed nine pet insurance companies to find the best pet insurance in New Jersey.

The best pet insurance companies in New Jersey

Starting with a cost comparison of accident and illness plans, we then evaluated each company’s coverage options and available features like routine wellness, 24/7 vet line, coverage for exam fees, end-of-life expenses and behavioral therapy. These seven companies rose to the top.

Embrace
ManyPets
Pets Best
Fetch
Figo
Lemonade
Healthy Paws

Why you can trust our pet insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

30 New Jersey pet insurance rates reviewed.
324 coverage details evaluated.
5 levels of fact-checking.

USA TODAY Blueprint may earn a commission from this advertiser.

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Via Petted's Website

Top-rated pet insurance companies in New Jersey of 2023

Blueprint Rating

What you should know

Embrace is the only pet insurance company in our rating that offers a diminishing deductible. For each year you go without filing a claim, your deductible will be reduced by $50. That means if you have a $100 deductible and go without a claim for two years, you could get down to $0 deductible without it affecting your rates.

The cost of Embrace pet insurance plans is higher than the average rates of companies in our analysis. However, Embrace covers more advanced treatments than many competitors, such as services for rehabilitative therapy and prosthetic devices.

Pros and cons

Pros

Diminishing deductible.
Coverage for vet exams related to a covered injury or illness.
Coverage for medication and other therapies prescribed by a veterinarian to treat behavioral issues.
Coverage for complementary treatments such as acupuncture, hydrotherapy and physiotherapy.
Coverage for up to $1,000 per year in treatments for dental diseases or injuries.

Cons

14-day waiting period for illnesses.
Six-month waiting period for orthopedic conditions.
Physical exam required for enrollment.
Claims can take 10 to 15 days to process.

More details

Accident and illness plan

Deductible: $100, $250, $500, $750 or $1,000.
Annual coverage limit: $5,000, $8,000, $10,000, $15,000 or unlimited.
Reimbursement percentage: 70%, 80% or 90%.

Accident only plan

Deductible: $100.
Annual coverage limit: $5,000.
Reimbursement percentage: 90%.

Wellness plan

You can choose an allowance of $250 to $650 per year to reimburse you for eligible preventative care expenses, such as vaccinations, bloodwork and dental cleanings.

Discounts

10% multi-pet discount.
5% military discount for active service members and veterans.

Customer reviews

Embrace has positive customer reviews and has a 4.2 out of 5 score on Trustpilot (great) based on more than 2,800 reviews. Some reviewers comment on the efficiency of the Embrace pet insurance claim process.

Blueprint Rating

What you should know

Founded in 2012, ManyPets insurance offers plans for dogs and cats. ManyPets has some of the cheapest pet insurance around, costing $36 per month for dogs on average for an accident and illness policy with unlimited coverage limits, a $500 deductible and 90% reimbursement percentage.

With most insurers, exam fees aren’t coverable expenses. But with ManyPets, exam fees to diagnose or treat your pet for a qualifying condition are reimbursable. ManyPets pet insurance offers unlimited reimbursement, low deductible options and quick claims processing.

ManyPets health insurance for pets covers curable, pre-existing conditions once your pet has been free of symptoms, diagnosis and treatment for 18 months — unless it’s a cruciate ligament (CL, CCL, ACL) injury or hip dysplasia.

Pros and cons

Pros

Cheap rates.
Quick claims processing.
$0 deductible option.
Waivers offered for waiting periods.
Pet health insurance for pre-existing conditions that are considered curable.

Cons

Hip dysplasia not covered in pets enrolled at age six or older.
Up to 18 months of pet records required to submit your first claim.

More details

Accident and illness plan

Deductibles: $500.
Annual coverage limit: Unlimited.
Reimbursement percentage: 70% or 80%.

Wellness plan

ManyPets offers health plans for pets with a wellness plan add-on. While not insurance, wellness plans reimburse you — up to an annual maximum — for routine or preventative veterinary expenses, such as vaccines or wellness exams.

Customer reviews

When it comes to pet insurance, ManyPets has strong customer reviews. On Trustpilot, it has a score of 4.5 out of 5 (excellent) based on more than 1,900 reviews. Customers frequently praised the company for quickly processing claims and responsive customer support.

Blueprint Rating

What you should know

With Pets Best insurance plans, you can take advantage of direct veterinary payments, so you don’t have to file a claim and wait to be reimbursed. You can add this feature to your pet insurance plan. If you submit a direct payment release form with Pets Best, it will pay your vet for you. Then, you only owe your vet the balance.

Learn more: Pets Best pet insurance review

Pros and cons

Pros

Direct vet payments available with some Pets Best benefit plans.
No upper age limit for enrollment.
Broad range of deductibles.

Cons

Some pets with health issues are not eligible for full coverage.
Processing fees if you pay monthly.
Six-month waiting period for orthopedic conditions.

More details

Accident and illness plan

Deductible: $50, $100, $200, $250, $500 or $1,000.
Annual coverage limit: $5,000 or unlimited.
Reimbursement percentage: 70%, 80% or 90%.

Accident-only plan

Deductible: $250.
Annual coverage limits: $10,000.
Reimbursement percentage: 90%.

Wellness plans

EssentialWellness: Offers up to $305 in wellness coverage per year.
BestWellness: Offers up to $535 in coverage per year.

Discounts

Multi-pet discount.
Discount for qualifying veterinary staff.

Customer reviews

In general, Pets Best has strong reviews. Its score on Trustpilot is 4 out of 5 (great) based on 4,000 reviews. Customers praised how easy it was to submit a Pets Best insurance claim through the pet insurance company, and the negative complaints tended to be misunderstandings about preventative care coverage.

Blueprint Rating

What you should know

Although Fetch Pet Insurance doesn’t offer a wellness plan, its comprehensive pet insurance coverage has several extras that can be valuable. Its accident and illness plan covers virtual and in-home visits, exam fees for illnesses, aggression and separation anxiety treatment, as well as boarding and advertising for lost pets with a reward. Fetch has a strict 90-day limit on claim filings.

Pros and cons

Pros

Coverage for boarding fees, lost pet rewards and advertising, sick-visit exam fees, supplements and more.
Behavioral treatments included.
Healthy pet credit. If you go a year without filing a claim or reaching your deductible, Fetch will credit up to 15% of your premium. The credit goes up to 30% if you go a second year without hitting your deductible.

Cons

No wellness plan add-on available.
No 24/7 pet health line unless purchased separately.
No multi-pet discount.

More details

Accident and illness plan

Deductible: $300, $500 or $700.
Annual coverage limits: $5,000, $10,000 or 15,000.
Reimbursement percentage: 70%, 80% or 90%.

Discounts

10% savings for active duty military and veterans.
If you don’t reach your deductible in a policy year, you can save up to 15% on premiums, and if you go two years you can save up to 30% with the Healthy Pet Credit.

Customer reviews

Fetch Pet Insurance reviews has earned the carrier an excellent rating on Trustpilot. After more than 1,400 reviews, Fetch has 4.3 out of 5 stars.

Many reviewers remark on positive customer service experiences and an easy claims process. However, some complain about not getting the right reimbursement for claims, long processing times and high premiums for little added benefit.

Blueprint Rating

Pros and cons

Pros

Up to 100% reimbursement.
No upper age limit for enrollment.
Multiple deductible options, from $100 to $750.

Cons

Six-month waiting period for orthopedic problems.
Veterinary exams not covered without a rider.
Holistic or alternative therapies not covered without a rider.

More details

Accident and illness plan

Deductible: $100, $250, $500 or $750.
Annual coverage limit: $5,000, $10,000 or unlimited.
Reimbursement percentage: 70%, 80%, 90% or 100%.

Wellness plan

Figo offers a wellness plan that reimburses you for vaccines and routine care.

Optional riders

Veterinary exam fees: Provides coverage for exam fees related to the diagnosis and treatment of covered conditions.
Extra care: Covers pet-related expenses such as rewards for lost pets and vacation cancellations due to a pet’s illness.

Discounts

5% multi-pet discount.

Customer reviews

Figo has a score of 4 out of 5 (great) on Trustpilot based on more than 1,500 reviews. While that’s lower than some of the companies in our rating, many of the complaints focused on annual premium increases. Unfortunately, it’s normal for pet insurance companies to raise rates as pets age, as older pets are more likely to develop health issues.

Blueprint Rating

What you should know

Lemonade pet insurance plans offer some of the fastest claims response and reimbursement in the industry. Thanks to Lemonade’s artificial intelligence chatbots, most pet owners can file a claim in a few minutes, get it approved in seconds and be on their way to getting reimbursed for eligible expenses. Some claims can take longer if a human has to manually process them.

Pros and cons

Pros

Fast claims processing and direct deposit.
Lowest price for young pets.
Accident coverage waiting period is only two days.

Cons

Six-month waiting period for cruciate tears.
No 24/7 telehealth.
No coverage for alternative or behavioral therapy, stem cell treatment, microchipping or prescription food.
Vet exam fees can be covered, but only at an additional cost.

More details

Accident and illness plan

Deductible: $100, $250 or $500.
Annual coverage limit: $5,000, $10,000, $20,000, $50,000 or $100,000.
Reimbursement percentage: 70%, 80% or 90%.

Wellness plan

Lemonade’s preventive care plan will cover vaccines, microchipping, spay or neuter surgery, two wellness visits, plus, flea, tick and heartworm preventives.

Optional riders

There are several add-ons available through Lemonade:

Vet visit fees.
Dental illness.
Physical therapy.
Behavioral conditions.
End-of-life and remembrance.

Discounts

5% discount when insuring multiple pets.
5% annual discount.
10% discount if you bundle a pet insurance plan with home or renters insurance from Lemonade.

Customer reviews

With more than 1,300 reviews, Lemonade has an excellent score on Trustpilot with 4.3 out of 5 stars (excellent), but this is for all insurance products Lemonade offers. While many pet insurance reviews are positive, some say Lemonade will not cover any type of pre-existing condition if your pet has been seen at any point in its life, even if the vet proves it’s not the same condition causing the symptom. One example includes diarrhea, which is a common curable pre-existing condition other carriers will cover after a specific period being symptom- and treatment-free.

Blueprint Rating

What you should know

Healthy Paws offers some of the cheapest monthly rates for pet insurance in our analysis. The insurer doesn’t offer a wellness plan, so if you’re looking for a pet insurance policy that will cover routine expenses, you’ll need to look elsewhere.

Pros and cons

Pros

Affordable pet insurance options.
Unlimited annual coverage options.
24/7 emergency pet health line.

Cons

No wellness plan available.
12-month waiting period for hip dysplasia if your pet is enrolled before age six.
If your pet is six or older, hip dysplasia will not be covered.

More details

Accident and illness plan

Deductible: $100, $250 or $500.
Annual coverage limit: Unlimited.
Reimbursement percentage: 70%, 80% or 90%.

Customer reviews

Healthy Paws scored 4.4 out of 5 stars with TrustPilot, out of over 2,000 customer reviews. This is classified as an “excellent” score. Many reviews note that Healthy Paws is communicative, responsive and quick when filing a claim.

Compare the best pet insurance companies in New Jersey

Pet insurance company	New Jersey rating	Average monthly cost
Embrace	5.0 stars	$41
ManyPets	5.0 stars	$25
Pets Best	5.0 stars	$32
Fetch	4.5 stars	$41
Figo	4.5 stars	$39
Lemonade	4.5 stars	$20
Healthy Paws	4.0 stars	$40
Trupanion	3.5 stars	$60
MetLife	3.0 stars	$58

^{Average monthly pet insurance premiums assume unlimited annual coverage (or the highest level offered by that company), a $500 deductible and a 90% reimbursement percentage.}

Methodology

We analyzed pet insurance companies operating in New Jersey using data from Petinsurer.com.

For this analysis, average rates are based on accident and illness plans, which account for 98% of pet insurance policies purchased, according to data from the North American Health Pet Insurance Association (NAPHIA). Rates are also based on insuring dogs, as dogs make up 85% of insured pets, per NAPHIA.

Each pet insurance company was eligible for up to 100 points, based on its performance in the following key categories:

Cost: 50 points. We calculated average rates for accident and illness pet insurance plans for a medium-sized, mixed-breed dog at two different ages in New Jersey, with unlimited annual reimbursement (or the highest level offered by that company), a $250 deductible and a 90% reimbursement percentage. The lower the average rate, the higher the number of points.

Annual coverage limits: 10 points. Pet insurance companies that offer annual reimbursement of up to $100,000, or unlimited annual coverage scored in this category.

24/7 vet line: 10 points. Insurance companies that offer access to a 24/7 vet line earned points. Being able to call for medical advice might save you money on vet visits.

Routine wellness plan: 10 points. Pet insurance companies that offer an optional wellness plan add-on scored points. Wellness plans can reimburse you for preventative care for your pet.

Pays vet exam fees: 10 points. If a pet insurance plan includes pet exam fees, the insurer received 10 points. If this is offered as a coverage add-on, the insurer received 5 points.

Behavioral therapy: 5 points. If an insurance company covers behavior therapy in its pet insurance plans, it scored points.

Euthanasia or end-of-life expenses included: 5 points. If euthanasia or other end-of-life expenses are covered in pet insurance plans, an insurance company scored in this category.

Why some companies didn’t make the cut

Only top-scoring insurers with a minimum rating of 4 stars out of 5 made the cut in our analysis of the best pet insurance in New Jersey. Those with lower star ratings, based on the criteria above, were included in our comparison table but not featured as a best pet insurance company.

How much is pet insurance in New Jersey?

On average, pet insurance in New Jersey costs about $39 per month for a pet insurance plan with unlimited annual coverage (or highest offered by that company), a $500 deductible and a 90% reimbursement percentage.

Several factors affect how much pet insurance in New Jersey costs, including:

Annual coverage limit.
Deductible amount.
New Jersey ZIP code.
Pet insurance company.
Reimbursement percentage.
Your pet’s species, age, size and gender.

We compare average rates for top-rated New Jersey pet insurance companies below.

Cost of pet insurance in New Jersey with $5,000 annual maximum coverage

Pet insurance company	Monthly cost
Lemonade	$10
Pets Best	$26
Figo	$27
Embrace	$29
MetLife	$29
Fetch	$33

^{Average monthly pet insurance rates are for a plan with a $5,000 annual coverage maximum, a $250 deductible ($200 for Embrace) and 90% reimbursement level. Rates provided by Petinsurer.com.}

Cost of pet insurance in New Jersey with unlimited annual maximum coverage

Pet insurance company	Monthly cost
Lemonade	$20
ManyPets	$25
Pets Best	$32
Figo	$39
Healthy Paws	$40
Embrace	$41
Fetch	$41
MetLife	$58
Trupanion	$60

^{Average monthly pet insurance rates are for a plan with unlimited annual coverage ($30,000 for Embrace and $100,000 for Lemonade), a $250 deductible ($200 for Embrace) and 90% reimbursement level. Rates provided by Petinsurer.com.}

Types of pet insurance

There are several different types of pet insurance plans in New Jersey. Here’s what each covers.

Accident-only plan

Accident-only pet insurance in New Jersey covers veterinary expenses for your pet’s injuries, but not if they get sick. This plan will pay up to your policy limits if your pet breaks a bone, has a dental illness or injury or ingests poison.

An accident-only plan is budget-friendly since it doesn’t provide coverage for illnesses. Accident-only coverage may also be a good fit for pets with pre-existing health conditions or first-time pet parents, according to Zabrina Thorson, co-founder and chief operating officer at Odie Pet Insurance.

Accident and illness plan

This is the most popular form of pet insurance. Accident and illness pet insurance policies include coverage for your pet’s injuries and illnesses. This plan will reimburse for many veterinary expenses, including:

Bloodwork.
Congenital, hereditary and chronic health conditions.
CT scans.
Emergency care.
Hospitalization.
MRIs.
Prescribed medications.
Specialized veterinary care.
Surgeries.
Ultrasounds.
X-rays.

Some pet insurance plans in New Jersey will also cover alternative and holistic therapies, like acupuncture, therapeutic laser treatments and chiropractic care if prescribed by your vet. Embrace, Healthy Paws and Figo are just a few New Jersey pet insurance companies that include this coverage in their accident and illness plans.

Wellness plans

Most pet insurance companies offer optional wellness coverage you can add to your pet insurance policy. A wellness plan covers preventive and routine care to keep your pet healthy. These expenses are usually not automatically covered by a standard pet insurance policy.

A wellness plan can cover veterinary costs for:

Annual wellness exams.
Deworming.
Flea, tick and heartworm prevention.
Grooming.
Microchipping.
Spaying and neutering.
Vaccinations.

How to get pet insurance in New Jersey

You can follow these steps to get pet insurance in New Jersey:

Compare pet insurance quotes from different companies. You can get free pet insurance quotes from the pet insurance company website, a comparison website or by contacting an independent insurance agent in person, by email or by phone.
Provide information about your pet. You may have to answer a few questions about your pet’s age, breed, species and overall health.
Provide information about yourself. This can include your name, email address, phone number and ZIP code.
Build a custom pet insurance plan. You can do this by choosing your deductible, annual limit and reimbursement level. Consider adding optional coverage for wellness visits, veterinary exam fees and other riders that may be available.
Check for any discounts. Insurers may offer discounts for insuring multiple pets with the company.
Head to the checkout page. Make sure to confirm all the information and purchase your pet insurance policy.

There are a few other factors to consider when purchasing pet insurance in New Jersey.

Exam fees

When the vet sees your pet, there is usually an exam fee included in your bill. Only some pet insurance companies cover veterinary exam fees in the policy, and others may only offer it as an add-on. Consider if this coverage is important to you and check to see which companies offer it.

Multi-pet discounts

Some pet insurance companies offer a discount if you insure more than one pet. If you own multiple pets, consider insuring them with a company offering this discount to maximize your savings.

Waiting periods

A waiting period is the gap between when your policy starts and your coverage begins. The waiting period for accidents and illnesses will vary by pet insurance company. Many pet insurers have longer waiting periods for specific health conditions, like hip dysplasia or cruciate ligaments.

Extra benefits

Don’t forget to look for extra perks when comparing New Jersey pet insurance companies. These benefits can vary by company but might include:

24/7 vet healthline.
Boarding assistance if you’re hospitalized.
Lost and found advertising.
Pet cloud app.
Rewards for lost or stolen pets.
Special prescription pricing through select pharmacies.
Vacation cancellation.

New Jersey pet laws

You should be aware of New Jersey pet laws to ensure you can keep your pets happy, healthy and safe. Here are some New Jersey pet laws to be mindful of.

Rabies and licensing

New Jersey requires cats and dogs to be vaccinated against rabies, even if they are indoor-only pets. There is also a licensing requirement in the Garden State, and you must show proof of a rabies vaccine to get it. You must renew the license annually and display it on the pet’s collar.

Tethering laws

New Jersey criminalizes cruelly restraining a dog. A dog cannot be tethered if:

It is exposed to adverse weather conditions for over 30 minutes.
It is nursing puppies or is younger than four months old.
It is placed in a vacant or unoccupied building.
It is wearing a head harness, choke or prong collar.
The tether is not at least 15 feet long.
The tether restrains more than one dog.

Dog bite laws

Pet owners are liable if their dog bites someone, whether in public or a private residence, including your own. Defenses like shared blame, where someone teases or taunts your dog, can help limit your liability. You are also responsible if your dog causes property damage to others.

Home insurance can help if your dog bites someone: What home insurance covers.

Unrestrained pets

New Jersey is a strict state regarding having an unrestrained pet in your car. You can receive a fine of up to $1,000 per pet if it is completely loose while riding in your vehicle. If you live in New Jersey and want to avoid the fine, ensure your pet is in a crate or attached to a pet seat belt by a harness.

Best pet insurance in New Jersey FAQs

The cheapest pet insurance company in New Jersey is Lemonade, costing an average of $20 per month for a plan with $100,000 in annual coverage, a $500 deductible and a 90% reimbursement percentage.

The cost of pet insurance in New Jersey will depend on your pet’s age, health and breed. Also, remember that the more the pet insurance company reimburses, the higher your premium will be.

No, pet insurance is not required by law in New Jersey. “While pet insurance is not required in New Jersey, vet costs have continued to rise, leading to high out-of-pocket costs and vet bills for pet parents,” said Wendy Wen, founder and CEO of Antelope, an omnichannel pet consumer platform.

If your pet needs chemotherapy, it can cost up to $600 per dose, for instance. Pet insurance can help offset the cost of your pet’s injuries and illnesses, whether mild or severe.

Most standard pet insurance companies “only cover cats and dogs, but several pet insurance providers also cover domestic animals,” said Wen. ASPCA pet insurance will cover horses as well as dogs and cats. Nationwide pet insurance offers plans for exotic pets and other uncommon companions like rabbits, reptiles, amphibians, birds and potbellied pigs.