Best pet insurance in New Jersey (NJ) in 2024

Pets Best has the best pet insurance in New Jersey in 2024. With some 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.

Read our full Pets Best pet insurance review

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.

In New Jersey, a Pets Best unlimited policy covering accidents and illnesses costs about $32 per month for a dog. This is slightly cheaper than the average rate for all of the pet insurance companies we analyzed.

Pets Best offers two primary discounts in New Jersey:

• Multi-pet insurance.
• Discount for qualifying veterinary staff.

In general, Pets Best has strong reviews. Its score on Trustpilot is 4 out of 5 (great) based on about 4,500 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.

Embrace is the only pet insurance company in New Jersey 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 in New Jersey is on par with 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.

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.

It costs about $41 per month to insure a dog in New Jersey with an unlimited accident and illness policy from Embrace. This rate is about the same as the average cost of pet insurance in New Jersey, according to our analysis.

Embrace customers in New Jersey have two discounts to take advantage of:

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

Embrace has positive customer reviews and has a 4.2 out of 5 score on Trustpilot (great) based on more than 3,700 reviews. Some reviewers comment on the efficiency of the Embrace pet insurance claim process.

ManyPets is the best pet insurance company in New Jersey for included vet exam fees.

With many 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 also has some of the cheapest pet insurance, costing $25 per month on average for an accident and illness policy with unlimited coverage for a dog, a $500 deductible and 90% reimbursement percentage.

In New Jersey, ManyPets 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.

Accident and illness plan

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

Wellness plan

ManyPets offers health plans for pets in New Jersey 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.

An accident and illness policy with ManyPets costs about $25 per month to insure a dog in New Jersey. Only Lemonade has a lower sample monthly rate for pet insurance in the Garden State, according to our data.

ManyPets does not list any discounts for New Jersey pet insurance on its website.

When it comes to pet insurance, ManyPets has strong customer reviews. On Trustpilot, it has a score of 4.4 out of 5 (excellent) based on about 2,100 reviews. Customers frequently praised the company for quickly processing claims and responsive customer support.

Lemonade is the best pet insurance company in New Jersey for cheap rates, according to our analysis. It also has a fast claims approval process, thanks to Lemonade’s artificial intelligence chatbots. Some claims can take longer if a human has to manually process them.

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 in New Jersey 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.

Lemonade has the lowest average cost of pet insurance in New Jersey among the companies we looked at: $20 per month for a dog.

Lemonade offers a few discounts to New Jersey pet owners, including:

• 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.

With more than 1,800 reviews, Lemonade has an excellent score on Trustpilot with 4.4 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.

Fetch is the best pet insurance company for military discounts in New Jersey, offering a discount of up to 10% every month for veterans and active military. 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.

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.

The average cost of a Fetch accident and illness pet insurance plan for a dog in New Jersey is $41 per month. That rate is close to the national average for all insurers that we analyzed.

Fetch does not list any discounts for pet insurance in New Jersey on its website.

Fetch pet insurance reviews has earned the carrier an excellent rating on Trustpilot. After more thanp about 2,100 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.

Figo pet insurance has the shortest waiting period for accident coverage, of the top-rated pet insurance companies in New Jersey. When you buy Figo pet health insurance, you only have a one-day waiting period for accidents before coverage begins. The waiting period for illness is 14 days.

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

In New Jersey, 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.

Figo’s accident and illness policy for a dog costs about $39 per month in New Jersey. Based on our analysis, that rate is slightly below the average among all pet insurers we looked at.

New Jersey pet owners have one discount option with Figo:

• 5% multi-pet insurance discount.

Figo has a score of 4 out of 5 (great) on Trustpilot based on about 1,900 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.

Healthy Paws is the best flexible pet insurance in New Jersey. With Healthy Paws, you’re not locked into the same deductible and reimbursement percentage choices you made at enrollment.

Before you file your first claim, you can increase your reimbursement percentage or decrease the deductible to save on your pet insurance premium. After submitting a claim, you still have the option to increase the deductible or decrease the reimbursement level.

Healthy Paws doesn’t offer a wellness plan, however, so if you’re looking for a pet insurance policy that will cover routine expenses, you’ll need to look elsewhere.

Healthy Paws offers one form of pet insurance coverage in New Jersey:

Accident and illness plan

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

The average cost of a Healthy Paws accident and illness policy for a dog in New Jersey is about $40 per month, based on our research. That rate is slightly below the average rate among insurers we looked at.

Healthy Paws does not list any discounts for New Jersey pet insurance on its website.

Healthy Paws scored 4.4 out of 5 stars with TrustPilot, out of over 2,200 customer reviews. This is classified as an “excellent” score. Many reviews note that Healthy Paws is communicative, responsive and quick when filing a claim.