Hepper is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no cost to you. Learn more.

10 Best Pet Insurance Providers in New Jersey – 2024 Reviews & Top Picks

Nicole Cosgrove Profile Picture

By Nicole Cosgrove

young happy couple holding and hugging golden retriever puppy

All it takes is one expensive vet bill to put you in a pinch. Do you go into a ton of debt and save your pet, or do you do the unthinkable and put your pet down because you can’t afford the bill?

The right pet insurance plan ensures that this nightmare scenario never becomes a reality. But there are a ton of pet insurance plans for you to sift through if you live in New Jersey, and without a helping hand, finding the right plan can take a ton of time and be extremely overwhelming.

This guide will walk you through 10 of the best pet insurance plans available for your pet in New Jersey. Plus, it’ll walk you through everything you need to know about pet insurance to find the right plan for you and your pet.

divider 10

A Quick Comparison of Our Top Picks in 2024

Rating Image Product Details
Best Overall
Winner
Trupanion Trupanion
  • Offer direct reimbursement
  • Rates don't go up simply because your pet gets older
  • No maximum payouts
  • Best Value
    Second place
    Lemonade Lemonade
  • Very affordable
  • 10% multi-pet discount
  • Tons of optional coverage
  • Third place
    Pumpkin Pumpkin
  • 10% multi-pet discount
  • All plans have a 90% reimbursement rate
  • Extremely customizable plans
  • Spot Pet Insurance Spot Pet Insurance
  • Very affordable
  • 10% multi-pet discount
  • Offer wellness plans
  • Fetch Pet Insurance Fetch Pet Insurance
  • Outstanding dental coverage
  • They cover exam fees
  • Outstanding all-around coverage
  • The 10 Best Pet Insurance Companies in New Jersey

    1. Trupanion – Best Overall

    Trupanion Pet Insurance

    While there are tons of great pet insurance companies out there, Trupanion makes it to the top of our list simply because they don’t raise your monthly premium each year. But while that’s a big deal all by itself, they offer tons of other perks.

    First, they work with tons of vets in New Jersey with their direct payment system. While other pet insurance companies have you pay upfront and reimburse you later, Trupanion pays many vets directly, so you don’t have to wait for reimbursement.

    Trupanion also doesn’t have maximum payouts, they cover dental, and their plans are extremely customizable. The rates do cost a bit more compared to other plans, but since they don’t go up every time your pet has a birthday, you don’t have to worry about them pricing you out of your plan in the future.

    Pros
    • Offer direct reimbursement
    • Rates don’t go up simply because your pet gets older
    • No maximum payouts
    • Customizable plans
    • They cover dental
    Cons
    • Higher initial rates

    2. Lemonade – Best Value

    Lemonade Pet Insurance

    With extremely affordable rates and tons of customization options, if you’re looking for a lower monthly payment without sacrificing the quality of coverage, Lemonade is the way to go. Not only are all of their rates super affordable, but if you’re looking to insure multiple pets, they offer a 10% multi-pet discount that drives down the monthly payment even further.

    For even more savings, you can pay annually instead of monthly, but we understand that not everyone has the financial flexibility to do that. Overall, Lemonade offers tons of customizable add-ons to get you the exact coverage you want, but keep in mind that adding everything will drive up the plan’s cost quite a bit.

    And like all pet insurance companies outside of Trupanion, they will raise the rate annually simply because your pet is another year older.

    Pros
    • Very affordable
    • 10% multi-pet discount
    • Tons of optional coverage
    • Can pay annually for more savings
    Cons
    • Rates increase as your pet gets older
    • All the add-ons can drive the cost up

    3. Pumpkin

    Pumpkin Pet Insurance

    Pumpkin is yet another outstanding pet insurance choice if you’re looking for a great pet insurance plan with an affordable monthly premium. All of their plans come with a 90% reimbursement rate, so you don’t have to worry about getting a subpar plan, but some plans have an annual reimbursement limit.

    Each plan is extremely customizable, allowing you to get the exact coverage you need for your pet without overpaying. Another perk is that if you’re trying to insure multiple pets, they offer a 10% multi-pet discount.

    However, the rates will increase as your pet gets older, and since some plans have annual limits, it is possible to run out of coverage if your pet gets too sick.

    Pros
    • 10% multi-pet discount
    • All plans have a 90% reimbursement rate
    • Extremely customizable plans
    • Offer great wellness plans
    Cons
    • Rates increase as your pet gets older
    • Plans have annual limits

    4. Spot Pet Insurance

    Spot Pet Insurance

    Spot Pet Insurance just missed our top three options, but they do so many things right you’ll still want to check them out before picking a plan. They offer a ton of affordable plans, especially when you consider you can get a 10% multi-pet discount if you’re trying to cover multiple pets.

    All their plans are incredibly customizable and cover dental diseases, which is a big deal for older pets. Additionally, they have some great wellness plans which can help with preventive care that regular pet insurance won’t cover

    Like most pet insurance plans, the rates will go up as your pet gets older and some of their insurance plans have lower coverage limits. It’s still a great option but ensure you’re getting enough coverage for your pet when you’re setting up a plan.

    Pros
    • Very affordable
    • 10% multi-pet discount
    • Offer wellness plans
    • Customizable plans
    • Covers dental disease
    Cons
    • Rates increase as your pet gets older
    • Lower coverage limits on some plans

    5. Fetch Pet Insurance

    Fetch-Pet-Insurance

    Fetch Pet Insurance might be your best bet if you’re shopping for a pet insurance plan that covers just about everything. All their plans provide comprehensive dental coverage, and they cover exam fees, lowering the amount you’re responsible for.

    All their plans provide exceptional coverage for your pet, but they still offer a ton of customization options for the deductible, reimbursement rates, and more to help you keep the policy’s price in check.

    But even with this, the price of a Fetch Pet Insurance plan is typically a bit higher than many other options. While this is because of all the additional coverage they provide, it means you’re paying a little more each month.

    Finally, the price of the plan will go up each year as your pet gets older, so you need to account for this when you’re signing up for a plan.

    Pros
    • Outstanding dental coverage
    • They cover exam fees
    • Outstanding all-around coverage
    • Customizable plans
    Cons
    • Plans cost a bit more
    • Rates increase as your pet gets older

    6. Wagmo Pet Insurance

    Wagmo_Logotype

     

    Wagmo Pet Insurance is the first pet insurance company on our list to offer an insurance plan with a 100% reimbursement option, meaning you don’t need to worry about cost-sharing after you pay your deductible.

    However, any plan with a 100% reimbursement rate comes with an annual limit, so it’ll only take you so far if your pet gets extremely sick. Not only do Wagmo plans come with a yearly limit, but they also come with a per-incident limit.

    Wagmo offers versatile plans you can adjust to get the right amount of coverage for your pet without blowing past your monthly budget. Moreover, they provide wellness plans to help with preventative care.

    Pros
    • Very affordable
    • Extremely customizable plans
    • They offer wellness plans
    • Option for 100% reimbursement
    Cons
    • There are incident and lifetime limits
    • Rates increase as your pet gets older

    7. MetLife Pet Insurance

    Metlife Pet Insurance

     

    MetLife is a huge insurance company, but pet insurance is one of its lesser-known offerings. But just because it’s not as well-known as some of their other coverages doesn’t mean it isn’t an outstanding choice.

    They offer a ton of affordable plans, and they offer a wide range of discounts that other pet insurance plans don’t provide. They offer plans with up to 100% reimbursement rates and the plans are very customizable.

    Still, many of their plans have lower annual coverage limits, and since the rates go up as your pet gets older, it’s possible to end up priced out of your policy. They’re a great choice, but you can do better by picking a policy from a company a little further up the list.

    Pros
    • Offers lots of discounts
    • Up to 100% reimbursement
    • Customizable plans
    • Very affordable
    Cons
    • Rates increase as your pet gets older
    • Many plans have low annual coverage limits

    8. Healthy Paws Pet Insurance

    Healthy Paws Pet Insurance

    If you’re curious about alternative care options for your pet, Healthy Paws is one of the few pet insurance policies that will cover those treatment options too. Healthy Paws gives you even more control over how to treat your pet, and they offer some of the most affordable rates in the industry.

    Additionally, they don’t have any maximum payouts, so you don’t have to worry about running out of insurance when your pet needs it the most. Their plans are customizable so you can get the exact level of coverage your pet needs.

    One area where we’d like Healthy Paws to improve is its wellness plans. In short, they don’t have any! And since most pet insurance companies will only offer your pet a wellness plan if you get their insurance policy, if you go with Healthy Paws, you’re not getting a wellness plan.

    Pros
    • Very affordable
    • Customizable plans
    • They cover alternative care options
    • No maximum payouts
    Cons
    • No wellness plans
    • Rates increase as your pet gets older

    9. ASPCA Pet Insurance

    ASPCA Pet Insurance

    The ASPCA might be one of the largest names in the animal industry, but did you know that they offer pet insurance too? Their plans are great for those on a limited budget. They offer affordable monthly premiums, but you need to be careful with the level of coverage you’re getting.

    While the plans themselves cover quite a bit, many of their options have lower reimbursement rates and lower annual limits. This lets you lower your monthly premium, and it’s better than no coverage, but it’s certainly possible to find yourself wishing you had more if your pet gets extremely sick.

    Still, they’re reliable and the coverage is outstanding, so if you’re on a shoestring budget, ASPCA pet insurance plans are worth checking out.

    Pros
    • Very affordable plans
    • Outstanding coverage
    • They cover dental
    • Reliable company
    Cons
    • Lower annual limits
    • Rates increase as your pet gets older
    • Some plans don’t provide enough coverage

    10. Figo Pet Insurance

    Figo Pet Insurance

    Figo Pet Insurance might be the last option on our list, but that shows how many great pet insurance companies are out there. Figo Pet Insurance offers plans with up to a 100% reimbursement rate. If you pair that with their optional exam fee coverage, it means you shouldn’t have to pay a dime past the deductible and monthly premiums.

    They also offer wellness plans for preventive care and other things pet insurance won’t cover. The insurance plans themselves are very customizable, which will help you keep your monthly payments in check.

    If you’re trying to insure multiple pets, they offer a 5% multi-pet discount. While this isn’t quite as good as the companies that offer 10%, it’s better than nothing.

    Overall, Figo offers tons of great plans, but the rates will increase as your pet gets older, and you need to look at the coverage for your specific plan. While they have some great options, other plans don’t provide enough coverage.

    Pros
    • They offer plans with 100% reimbursement
    • Optional exam fee coverage
    • They have a 5% multi-pet discount
    • They offer wellness plans
    • Very customizable plans
    Cons
    • Rates increase as your pet gets older
    • Some plans don’t offer enough coverage

    Divider 5

    Buyer’s Guide: How to Choose the Best Pet Insurance Company in New Jersey

    What to Look for in Pet Insurance in New Jersey

    A lot of factors go into finding a great pet insurance policy. From the price of the plans to the company itself, it all matters. We took a deep dive into all the companies we highlighted in our guide, and we’ll break down exactly what we looked at for you here.

    Policy Coverage

    You get a pet insurance policy because you want to use it if something happens to your pet. But too many pet insurance companies hide behind the fine print of exceptions and exemptions when you file a reimbursement.

    This is why it’s important to ask the tough questions and figure out exactly what your pet insurance policy does and doesn’t cover before signing up for a plan. Dental coverage and exam fees are two common areas where coverage can vary quite a bit.

    If you take the time to figure out exactly what a plan will and won’t cover before you sign up, you can save yourself a ton of frustration.

    pet insurance policy
    Image Credit: Rawpixel.com, Shutterstock

    Customer Service & Reputation

    Most pet insurance companies provide outstanding customer service when trying to get you to sign up for a plan. But once they have your money many don’t take the time to answer your questions or help you out with changes to your policy.

    To make our list, the company had to have an outstanding customer service team and reputation. This gives you the peace of mind that if there’s ever an issue with your policy, you can resolve it quickly and without a fight from the insurance company!

    Claim Repayment

    Outside of Trupanion, every pet insurance company out there works by having you pay the bill first, then you file a claim for reimbursement through your pet insurance company. This makes the amount of time it takes for the reimbursement to hit your account a big deal.

    Typical claim repayment times range from 3–7 days, but some lower-end companies can take up to 2 weeks to pay you back. The quicker the company reimburses you, the better.

    Currently, Trupanion is the only pet insurance company we know of that uses a direct pay system with select vets and animal hospitals, so you don’t need to pay anything other than your portion of the bill out of pocket.

    pet insurance claim concept
    Image Credit: Rawpixel.com, Shutterstock

    Price of Policy

    It doesn’t matter what the policy covers and how they work if you can’t afford the plan in the first place! The policy’s price is a huge consideration when picking out a pet insurance plan, but the monthly premium is just one part of the equation.

    You also need to look at the reimbursement rate,and the deductible, and you need to factor in future rate hikes. If you’re barely affording the coverage now and they up it next year, you might find yourself without a pet insurance plan when your pet needs it the most.

    Take a hard look at all of these factors when you’re picking out an insurance plan for your pet.

    Plan Customization

    Who knows what your pet needs better than you? Some pet insurance companies think they know best, but what often happens is you either end up with a plan that doesn’t provide enough coverage or you’re overpaying for coverage you don’t need.

    Having the ability to customize the plan puts you in complete control, which is a big deal. It played a big role in our review process, and companies that let you control your plan got a big boost.

    couple with a dog getting a pet insurance
    Image Credit: RobertKneschke, Shutterstock

    FAQ

    Any kind of insurance can be a complicated and confusing topic, and pet insurance is no different. It’s perfectly normal to have a few questions, and we did our best to answer a few of the most frequently asked questions for you here:

    Does Pet Insurance Work Outside the U.S.?

    If you don’t reach out to your pet insurance company before leaving the United States, they likely will deny any claims you send them. However, some pet insurance companies will offer add-ons for coverage outside the U.S.

    Does Pet Insurance Cover Dental?

    It depends on the plan you go with. Some pet insurance companies offer plans that cover dental, others put it in their wellness packages, while others simply don’t cover dental. When signing up for a pet insurance plan, this is a question you’ll want an answer to before you sign up.

    How Often Should You Get Pet Insurance Quotes?

    Outside of Trupanion, every pet insurance company will up the rate for your pet each year simply because your pet is older. As long as your pet did not develop a pre-existing condition during the year, it’s worth getting quotes from other companies when it’s time to renew to ensure you’re still getting the best possible deal.

    Does Pet Insurance Cover Pre-Existing Conditions?

    No. No matter what pet insurance company you go with, the plan will not cover pre-existing conditions. This is why it’s so important to sign your pet up for a pet insurance plan as early as possible.

    happy young caucasian woman with her cat using laptop at home
    Image Credit: Fusso_pics, Shutterstock

    What the Users Say

    While a lot of people don’t like paying the monthly premium for their pet insurance plans, when something happens, they love having the coverage.

    However, it’s important to note that there are plenty of complaints about what pet insurance would or wouldn’t cover. People complain that it doesn’t cover exam fees, dental work, or just about anything else you can think of.

    While this can be understandably frustrating, pet insurance companies typically do a pretty good job highlighting exactly what they will and won’t cover with their policies. It’s important to take the time to read and understand this information before signing up for a plan or applying for reimbursement.

    Other users don’t like that pet insurance companies raise their monthly premiums as their pet ages, essentially pricing them out of coverage. Just know what you’re signing up for beforehand and you can avoid these common complaints!

    Which Pet Insurance Provider Is Best for You?

    While we’d love to tell you that one specific plan is the way to go, the truth is that there are a ton of factors that go into finding the right plan for you. Trupanion offers direct pay and doesn’t raise your rates yearly because your pet is older, but they have a higher monthly premium to start out.

    Meanwhile, Lemonade offers a lower monthly premium and tons of customization options, but the rate will go up significantly as your pet gets older.

    Of course, companies like Wagmo offer plans with 100% reimbursement! The truth is the best thing you can do is get a few quotes from several companies and then get the plan that makes the most sense for you.

    Divider 2

    Conclusion

    There are a ton of excellent pet insurance companies in New Jersey, and no matter what plan you go with, it’s far better than having no pet insurance.

    Between waiting periods and potential pre-existing conditions developing if you wait, it’s best to get your pet signed up for a pet insurance plan as soon as possible and to put this dilemma behind you once and for all!


    Featured Image Credit: LightField Studios, Shutterstock

    Related Articles

    Further Reading

    Vet Articles

    Latest Vet Answers

    The latest veterinarians' answers to questions from our database