The Best Pet Insurance in New Jersey for 2025

Pet insurance can come in handy if your furry pal gets an expensive diagnosis, reimbursing you for a portion of your vet bills. To help you find the best pet insurance in New Jersey, NerdWallet gathered rates and evaluated plans from more than a dozen insurers. These are the ones that came out on top.

• How we found the best pet insurance in New Jersey

  NerdWallet’s rating system rewards pet insurance companies with broad coverage, a variety of ways to customize your plan, a high financial strength rating and a good customer experience. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale. Here’s the full methodology behind our pet insurance ratings.

  Our writers and editors follow strict editorial guidelines to ensure the content on our website is accurate and fair, so you can make financial decisions with confidence and choose the products that work best for you.

Best overall: Embrace

Why it's the best: Embrace had one of the highest raw scores among all the pet insurance companies we evaluated, thanks to its comprehensive and customizable policies. The standard Embrace accident and illness plan includes coverage for alternative therapies, behavioral consultations and treatment for dental illnesses — all expenses some pet insurers charge extra for.

For even more coverage, consider adding Embrace’s optional preventive care package, which can reimburse you for spay or neuter surgery, vaccinations, prescription food and other wellness expenses.

Embrace policyholders have access to a 24/7 telehealth service where you can get answers to questions about your pet’s health at any time.

Learn more with our Embrace pet insurance review.

Best budget pick for dogs: Liberty Mutual

Liberty Mutual’s rates for our sample dogs were among the lowest in our analysis. The company also offers a variety of potential discounts that could save you up to 20%.

You can choose from three plans: one covering accidents only, one that adds illness coverage and one that also includes coverage for routine care. In most states, the more comprehensive plans will pay for alternative medicine and behavioral therapy.

Learn more with our Liberty Mutual pet insurance review.

Best budget pick for cats: Lemonade

Why it's the best: Lemonade offered low rates for the sample cats we quoted. Aside from its affordable prices, Lemonade stands out for how quickly it processes some claims. After you submit your vet bill in the Lemonade app, the company says about 40% of claims are paid instantly.

Lemonade’s accident and illness policy covers the basics, such as diagnostic testing, surgeries and prescription medicine. You can add the following coverage for an extra cost:

• Vet exam fees.

• Behavioral conditions.

• Dental illness.

• Physical therapy, acupuncture and hydrotherapy.

• End-of-life expenses.

• Preventive care.

Learn more with our Lemonade pet insurance review.

Best for comprehensive coverage: ASPCA

Why it's the best: If you want a pet insurance policy that covers more than most, consider ASPCA. Its accident and illness plan can reimburse you for prescription food and supplements, behavioral issues, alternative therapies, dental diseases and microchipping. It will also cover treatment for most curable pre-existing conditions that have been symptom- and treatment-free for at least 180 days.

ASPCA has preventive care coverage you can add for expenses like teeth cleaning, deworming and vaccinations. If you’d rather have coverage for your pet’s injuries only, you can choose the more affordable accident-only plan.

The best pet insurance in New Jersey by age

Want more options? Check out all the pet insurance companies in New Jersey that earned a 5-star rating from NerdWallet.

Best pet insurance in New Jersey for younger animals

Below are sample rates for 2-year-old mixed-breed dogs and cats in Jersey City with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.

Best pet insurance in New Jersey for older animals

Because older pets usually cost more to insure, we also checked rates for 8-year-old dogs and cats in Jersey City. Here’s how our 5-star companies stack up for mixed-breed dogs and cats with the same coverage limits as above.

» MORE: The best pet insurance companies

Cheap pet insurance in New Jersey

Here are the cheapest insurers we found in New Jersey, based on quotes for pets living in Jersey City. Unless otherwise stated, our sample pets were mixed-breed dogs and cats with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.

Your own prices will depend on where you live, the coverage you choose, and your pet’s age and breed.

• Jump to the cheapest rates for your pet

  • Young dogs.

  • Older dogs.

  • Young cats.

  • Older cats.

Cheap pet insurance in New Jersey for young dogs

Below are the lowest monthly rates we found for 2-year-old dogs living in Jersey City.

Cheap pet insurance in New Jersey for older dogs

Below are the lowest monthly rates we found for 8-year-old dogs in Jersey City.

Cheap pet insurance in New Jersey for young cats

These are the lowest monthly rates we found for 2-year-old domestic shorthair (mixed-breed) cats living in Jersey City.

Cheap pet insurance in New Jersey for older cats

These are the lowest monthly rates we found for 8-year-old domestic shorthair (mixed-breed) cats living in Jersey City.

» MORE: Is pet insurance worth it?

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to pet insurance; a company's rating for other products may be different on our site. See our criteria for evaluating pet insurance companies.