Embrace and Lemonade are two of the best pet insurance companies in New Jersey.
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Updated · 3 min read
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Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
Caitlin Constantine is an editor and content strategist at NerdWallet, focusing on auto, homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
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.
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.
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100 - $1,000 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Many ways to save on your policy.
Pros and cons
Pros
Covers curable pre-existing conditions.
Many ways to customize your plan.
Orthopedic waiting period can be reduced with a vet exam.
Cons
Doesn't cover prescription food or supplements unless you buy a wellness plan.
Bottom line
Embrace has many ways to customize your plan, plus coverage for curable pre-existing conditions.
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.
$15,000 The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$250, $500, $1,000 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Discount for existing Liberty Mutual customers.
Pros and cons
Pros
Three plans for pet owners to choose from.
Discounts for current customers, active military and veterans.
Covers behavioral therapy and alternative medicine in most states.
Cons
Won’t pay your vet directly.
May not cover osteoarthritis.
No unlimited coverage option available.
Bottom line
Liberty Mutual offers three plans to choose from to help you customize your coverage.
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.
$100,000 The highest coverage limit the insurer offers per year.
Reimbursement rates
60%, 70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100 - $750 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Pays some claims almost immediately.
Pros and cons
Pros
Quick claims processing.
Multipolicy and pay-in-full discounts available.
Donates a portion of premiums to nonprofit organizations.
Cons
Not available in all states.
Coverage for physical therapy, acupuncture and chiropractic care costs extra.
Bottom line
Lemonade boasts a seamless online experience and quick claims, but its default coverage is more limited than some other plans.
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:
Unlimited The highest coverage limit the insurer offers per year.
Reimbursement rates
70%, 80%, 90% How much of your bill the insurer will pay after you’ve met your deductible.
Deductibles
$100, $250, $500 How much of your vet bills you need to pay before the insurer starts reimbursing you.
Policy highlight
Broader coverage than most other plans.
Pros and cons
Pros
Covers horses in addition to cats and dogs.
Standard plans cover alternative therapies, behavioral issues and congenital conditions.
Shorter waiting period than most plans for cruciate injuries (14 days).
Cons
You must call, rather than get an online quote, if you’re interested in unlimited annual coverage.
Bottom line
ASPCA offers generous coverage and multiple plan options, including an accident-only policy.
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.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $41
Cat: $23
*MetLife plans had a $2,000 annual coverage limit.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
Dog: $96
Cat: $42
*MetLife plans had a $2,000 annual coverage limit.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
$46
*MetLife plans had a $2,000 annual coverage limit.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
$101
*MetLife plans had a $2,000 annual coverage limit. Wagmo plans had a $20,000 annual coverage limit. Healthy Paws plans had a 50% reimbursement rate, a $1,000 deductible and no coverage limit.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
$26
*Fetch plans had a $400 deductible. Healthy Paws plans had unlimited annual coverage. MetLife plans had a $2,000 annual coverage limit. Prudent Pet plans had a $2,500 annual coverage limit.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates financial strength, coverage options, customer experience, discounts and more.
$47
*Healthy Paws plans had a 50% reimbursement rate, a $1,000 deductible and unlimited annual coverage. MetLife plans had a $2,500 annual coverage limit.
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.
Learn more about New Jersey insurance
NerdWallet has other New Jersey insurance guides you can check out:
NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Pet insurance sample rate methodology
To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons.
Each plan had a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate. We customized the plans as necessary when those limits weren’t available. Our sample pets were a medium-sized, mixed-breed dog and a domestic shorthair (mixed-breed) cat. We gathered rates for pets aged 2 and 8 years old.
These are sample rates gathered for specific pets in a select ZIP code. Your own rates will be different.
