Get the Best Pet Insurance in New Jersey in 2024

Sponsored by Figo Pet Insurance

If you’re a pet owner in New Jersey, choosing the right pet insurance policy can be confusing. With a wide variety of options available, it's important to know what each plan covers and how pet insurance works. Understanding these details will help you make a smart choice for your pet’s health and your wallet.

In this guide, we'll give you a helping hand by navigating pet insurance options in New Jersey. We'll look at pet insurance quotes, highlight top policies, and explain the rules and protections unique to New Jersey. By the end, you'll know what to look for when choosing pet insurance in the Garden State.

Summary: Best New Jersey Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 9/17/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in New Jersey?

According to our research, New Jersey pet insurance costs an average of $42 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $67 a month.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two New Jersey cities: Newark, a major urban center, and Bayonne, an average-sized city for the state.

It's important to note that your own New Jersey pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether you choose to add on any optional coverage. That's why it's vital to compare New Jersey pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in New Jersey

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in New Jersey is $42 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $67 monthly.

Cost of Pet Insurance in New Jersey by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in New Jersey:

Cost of Pet Insurance for Cats in New Jersey

Pet insurance for cats is significantly cheaper than dog insurance in New Jersey. The average monthly cost for cat insurance in the state ranges from $20 to $37, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in New Jersey by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of New Jersey pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in New Jersey

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

Typically, this type of policy covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in New Jersey

Finding the right pet insurance in New Jersey is important for protecting your furry friend. The state's diverse environment can pose various health risks for pets, so having the most comprehensive coverage is essential.

Lyme disease is a significant concern in New Jersey, as the state consistently ranks high in reported cases. Ticks carrying this disease are common in wooded areas and even suburban yards.

For pet owners who enjoy taking their dogs to beaches or near inland waterways, additional risks include potential exposure to harmful algal blooms in lakes and rivers, as well as strong currents and riptides in coastal areas.

Urban living in New Jersey presents unique challenges for pets, including encounters with wildlife and exposure to environmental pollutants. The state's weather, with its hot summers and cold winters, can also pose health risks for pets.

When choosing pet insurance, look for plans that offer the broadest range of coverage. A good policy should cover accidents, illnesses, and various medical conditions. Consider plans that include preventive care, such as vaccinations and routine check-ups, as well as coverage for chronic conditions and emergency treatments.

Choosing a plan with broad and flexible coverage helps protect your pet and provides peace of mind about their health, regardless of New Jersey's environmental challenges.

Here are some important features to keep in mind when selecting the best pet insurance plan in the Garden State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable, especially in a state like New Jersey, where environmental risks are common.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Veterinary costs in New Jersey are often higher compared to other states, so having coverage for exam fees can result in considerable savings over time.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

New Jersey Pet Laws

New Jersey, known for its diverse landscapes from bustling cities to scenic shores, is committed to responsible pet ownership. The Garden State has established a comprehensive set of laws to protect animals and ensure public safety. Here's what pet owners in New Jersey need to know:

• Licensing and vaccination. New Jersey law requires all dogs over 7 months old to be licensed and vaccinated against rabies. Owners must apply for a license annually or every third year, depending on the municipality. Proof of current rabies vaccination is required to obtain a license.
• Leash laws. Under the “Responsible Dog Ownership Act,” dogs must be leashed off their owner's property to ensure safe interaction in communities, especially for children. This act emphasizes responsible dog ownership, requiring leashes, fencing for uncontrolled dogs, and liability for injuries.
• Animal cruelty laws. New Jersey has strict laws against animal cruelty. It's illegal to inflict unnecessary cruelty, pain, or suffering on any animal. The state also has specific laws regarding the tethering of dogs and their exposure to adverse weather conditions. For instance, dogs can't be tethered outside between 11 PM and 5 AM unless the owner is present.
• Dangerous dog regulations. New Jersey law addresses potentially dangerous dogs. If a dog has caused bodily injury to a person or severely injured another domestic animal, it may be declared potentially dangerous. Owners of such dogs must comply with specific requirements, including special licensing and containment measures.
• Pet waste management. Many New Jersey municipalities have laws requiring pet owners to clean up after their animals in public spaces. Failing to do so can result in fines.

Newark Pet Laws

Newark, New Jersey's largest city and a hub of culture and commerce, has established its own set of pet laws to ensure the well-being of animals and maintain public safety. Here are some important pet laws to remember in the Brick City:

• Licensing requirements. In Newark, dogs must be licensed annually. To obtain a license, pet owners must present their dog's certificate of vaccination against rabies. Each license comes with a metal tag that must be attached to the dog's collar.
• Leash laws. Newark enforces leash laws for public safety. Dogs must be controlled off the owner's property. No owner shall allow a dog on public streets or places unless accompanied by a responsible person with a leash no longer than six feet. Dogs cannot run loose on public streets, parks, or other areas.
• Pet waste management. Newark has strict regulations about pet waste. Under Municipal Ordinance 6:1-12, anyone owning or controlling a dog must remove waste left by that dog from all sidewalks, gutters, streets, or other public areas. The waste must be either flushed in a toilet or placed in a non-leaking container and then disposed of in the trash. Violations can result in fines up to $500 in Newark Municipal Court.
• Animal cruelty enforcement. Newark takes animal cruelty seriously. The Newark Police Division has assigned Precinct Detectives to investigate all animal cruelty and neglect incidents within the city. This includes cases of deliberate abuse or failure to provide basic care required for an animal to thrive.

Jersey City Pet Laws

Jersey City, a vibrant urban center with stunning views of the Manhattan skyline, has established pet laws that show its commitment to animal welfare and responsible pet ownership. Here are some important laws to remember when living in this diverse New Jersey city:

• Licensing requirements. In Jersey City, dogs over six months old need to be licensed every year, and they must wear their license tag when in public. To obtain a license, pet owners must present their dog's rabies vaccination certificate.
• Leash laws. Jersey City enforces strict leash laws to ensure public safety. Dogs must be kept on a leash no longer than six feet when in any public space. This regulation helps maintain control over pets and prevents them from running at large. The purpose of the leash law is to protect other people and pets, as well as the dog itself from fights, street accidents, and other injuries.
• Pet waste management. Under Jersey City ordinances, pet owners are required to immediately remove and properly dispose of their pet's waste on any public or private property not owned by them. Owners must carry equipment sufficient to clean up after their dogs when in public spaces. Violations can result in fines of up to $250, emphasizing the importance of responsible pet ownership in maintaining public cleanliness.
• Animal abandonment. Abandoning any pet or domestic animal in Jersey City is illegal. Under New Jersey law, leaving a maimed, sick, or disabled animal to die in public is a disorderly persons offense. Abandoning a domesticated animal also carries a penalty of up to $1,000.

Lakewood Pet Laws

Lakewood, a bustling township in New Jersey, has established a set of pet laws designed to balance animal welfare with community safety. Here are some key pet laws specific to Lakewood:

• Licensing requirements. In Lakewood, all dogs over seven months old must be licensed annually. Licenses are required for any dog owned or kept within the Township on the first day of January or acquired and kept within the Township for more than 10 days.
• Leash laws. Lakewood enforces leash laws to maintain public safety. Dogs must be leashed with a leash not more than six feet long when in public spaces, including streets and parks. The dog must be accompanied by a person over the age of nine years who can securely confine and control the dog. This helps prevent accidents and ensures the safety of both pets and the public.
• Noise regulations. Lakewood has specific ordinances regarding noise disturbances caused by pets. It is prohibited to own or harbor a dog that habitually barks or cries between 8:00 p.m. and 8:00 a.m., disturbing the peace of the neighborhood.
• Animal cruelty enforcement. Lakewood is committed to combating animal cruelty, with dedicated officers handling reports of abuse or neglect. Residents are encouraged to report any suspected cases of animal cruelty to local authorities for investigation.

Common Pet Risks in New Jersey

New Jersey's diverse landscape, from its urban centers to coastal areas and wooded regions, presents unique challenges for pet owners across the Garden State. Here are some specific risks New Jersey pet owners should be aware of:

• Lyme disease. New Jersey consistently ranks among the top states for Lyme disease cases, affecting both humans and pets. The state's wooded areas and even suburban yards provide ideal habitats for ticks carrying this disease. Dogs are particularly susceptible, and symptoms can include fever, lameness, and swollen joints. Regular tick checks and year-round preventive measures are essential.
• Harmful algal blooms. New Jersey's numerous lakes, rivers, and coastal areas can experience harmful algal blooms, especially during warmer months. These blooms can produce toxins that are dangerous or even fatal to pets if ingested. Pet owners should be cautious about letting their animals swim in or drink from bodies of water with visible algal growth .
• Heat-related illnesses. New Jersey's hot and humid summers can pose serious risks to pets, particularly brachycephalic breeds (those with flat faces) and overweight animals. Heat stroke is a significant concern, with symptoms including excessive panting, drooling, and lethargy. Providing shade, fresh water, and limiting outdoor activities during peak heat hours is vital.
• Cold weather risks. While not as severe as some northern states, New Jersey winters can still pose threats to pets, including hypothermia and frostbite. Short-haired breeds, puppies, and elderly dogs are particularly vulnerable. It's important to limit outdoor exposure during extreme cold and provide adequate shelter and warmth.
• Urban hazards. In New Jersey's densely populated urban areas, pets face risks such as traffic accidents, exposure to toxins (like antifreeze or road salt), and encounters with urban wildlife. These environments also increase the risk of pets ingesting harmful substances or foreign objects.
• Wildlife encounters. New Jersey's diverse wildlife population, including black bears and coyotes, can pose a threat to pets. It's important for pet owners to be cautious and aware of their surroundings when taking their animals outdoors, particularly in wooded or rural areas.

Veterinary Costs in New Jersey

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in New Jersey is $83. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in New Jersey

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in New Jersey:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in New Jersey. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in New Jersey FAQs

Recommended Resources

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