Best Pet Insurance in New Jersey (NJ)

• Deductible Options: $100, $250, $500
• Annual Coverage Limit: $5,000, $10,000, $20,000, $50,000 or $100,000
• Reimbursement Choices: 70%, 80%, 90%

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

Learn More: Lemonade Pet Insurance Review

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

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.

• Deductible Options: $100, $250, $500, $750, $1,000
• Annual Coverage Limit: $2,500, $4,000, $5,000, $7,000, $10,000, and Unlimited
• Reimbursement Choices: 70%, 80%, 90%

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

Spot pet insurance could be ideal if you’re looking for a policy with cheaper premiums.

Learn More: Spot Pet Insurance Review

• 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)
• Higher prices than competitors for unlimited coverage
• More affordable Accident-Only Plan than competitors

• Accident-Only Plan: Spot’s Accident-Only Plan covers emergency vet visits and procedures pertaining to injuries, toxic ingestions, or swallowed objects.
• Accident and Illness Plan: 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.

Add-ons

• Gold Preventative Care Add-On: 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.
• Platinum Preventative Care Add-On: 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.

• Deductible Options: $100, $250, $500
• Annual Coverage Limit: $5,000, $10,000, $15,000, $20,000 and Unlimited
• Reimbursement Choices: 70%, 80%, 90%

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.

Learn More: ASPCA Pet Health Insurance Review

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

• Complete Coverage Plan: 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.
• Accident-Only Plan: 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.
• Basic Preventative Plan: 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.

• Deductible Options: $200, $300, $500, $750, $1,000
• Annual Coverage Limit: $5,000, $8,000, $10,000, $15,000, $30,000
• Reimbursement Choices: 70%, 80%, 90%

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

Learn More: Embrace Pet Insurance Review

• 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.

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 an optional 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.

• Deductible Options: Depends based on the Type and Age of the Pet
• Annual Coverage Limit: No Coverage Limit
• Reimbursement Choices: Depends based on the Type and Age of the Pet

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

Learn More: Healthy Paws Pet Insurance Review

• 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
• Quick digital claims process, with most claims processed within 2 days

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.

• Deductible Options: $250, $300, $500
• Annual Coverage Limit: $5,000, $10,000, or $15,000
• Reimbursement Choices: 70%, 80%, 90%

Scoring a 91.5 out of 100, Fetch is our top choice for pet parents seeking holistic coverage for treatments and conditions other providers typically exclude.

Learn More: Fetch Pet Insurance Review

• Covers complete sick visits with exam fees
• Includes alternative treatments such as acupuncture
• Works with all licensed vets in the U.S. and Canada

Fetch offers one accident and illness plan. It covers expenses like vet exam fees, emergency visits, operations, rehabilitation, and diagnostics for accidents and illnesses, including breed-specific conditions which are sometimes excluded by providers. It excludes preexisting conditions, and cosmetic or elective procedures.

You can choose anywhere from $5,000 to unlimited annual coverage, with an annual deductible of $250, $300, or $500. Fetch offers 70%, 80%, and 90% reimbursements.

• Deductible Options: Depends based on the Type and Age of the Pet
• Annual Coverage Limit: $5,000, $10,000 or unlimited
• Reimbursement Choices: 70%, 80%, 90%, 100%

Earning a 93 out of 100, Figo is on our list of New Jersey pet insurance providers for its extra coverage add-ons, specifically its liability add-on.

Learn More: Figo Pet Insurance Review

• Offers up to $10,000 of liability protection for property damage caused by your furry friend
• Reimburses for vacation cancellation due to covered incidents and pays out advertising and reward money for missing pets
• Provides limitless annual coverage with its Unlimited Plan

Figo offers three accident and illness plans, which differ by annual coverage limits. The Essential plan provides $5,000 of coverage per year and the Preferred plan increases this amount to $10,000. Figo’s Unlimited plan offers unlimited coverage.

Each plan covers health conditions like hip dysplasia, chronic, and general illnesses. They also extend to injuries such as bite wounds or sprains. Figo provides additional routine care add-ons, which can cover vet exam fees and wellness care costs such as dental visits and vaccinations.