Best Pet Insurance in NJ

Figo offers the most comprehensive insurance for pets in New Jersey out of the companies we reviewed. Figo’s pet health plans include coverage for medications, behavioral problems, chronic conditions, genetic disorders, rehabilitation, dental coverage, and bilateral conditions.

Figo sells accident and illness plans with a one-day waiting period for injuries and a 14-day waiting period for illnesses. You can also purchase optional coverage for wellness visits and exam fees. Plans have a deductible between $100 and $1,500, with annual limits of $5,000, $10,000, or unlimited coverage.

• $7.26 with a $1,500 deductible and 70% reimbursement

• Wellness coverage
• Vet exam fees

Embrace offers coverage for pets as young as six weeks old, and most plans cover many of the expenses you might face with a young pet, like exam fees and behavioral problems.

Embrace sells accident-only and accident and illness plans, with a two-day waiting period for injuries and a 14-day waiting period for illnesses. However, there is an extended waiting period required for specific conditions. For instance, if you have a puppy, there’s a six-month waiting period for orthopedic conditions.

Embrace’s pet health plans have deductibles of $200 to $1,000 and coverage limits of $5,000 to $30,000 per year. All plans have a monthly $1 service fee and an initial enrollment fee.

• $15.43 per month with a $1,000 deductible and 70% reimbursement

• Wellness rewards

If your dog or cat has a pre-existing health condition and you’re thinking about switching insurance providers, MetLife will continue to cover their conditions. The company is also an excellent provider if your dog needs treatment for a bilateral condition.

MetLife’s pet insurance policies include comprehensive coverage for exams, medications, behavioral problems, prescription diets, dental services, and rehabilitation. The plans also include coverage for supplements.

There is no waiting period for injuries and a 14-day waiting period for illnesses, which is standard. You can choose a deductible of $0 to $2,500 and select plan limits of $500 to unlimited coverage. You also have the option of 100% reimbursement of your pet’s health care expenses.

• $20.45 per month with a $2,500 deductible and 80% reimbursement

• Wellness/preventative care 

ASPCA plans have no waiting period for preventative care. You can take your dog or cat to the vet as soon as your policy starts and get reimbursed for covered procedures like vaccines, dental cleanings, and some diagnostic tests.

However, the preventative care plan is an optional add-on. ASPCA’s accident-only and accident and illness plans don’t include coverage for wellness visits, and, if your pet gets sick or injured, there is a 14-day waiting period before you can use your benefits. 

ASPCA’s plans include a wide variety of coverages. Exams, medication, rehabilitation, alternative therapies, and some dental services are covered under most plans. However, root canals and crowns are excluded.

You can choose a deductible of $100 to $500, with coverage limits of $3,000 to unlimited. ASPCA’s pet insurance plans don’t require an enrollment fee, but there is a monthly service fee of $2.

• $19.69 per month with a $500 deductible and 70% reimbursement

• Preventive care

Pets Best is one of a few New Jersey pet insurance companies that pays the vet directly when your dog or cat receives medical or dental care. Once you submit the claim, the insurance company handles the payment, so you never have to pay out-of-pocket before getting reimbursed.

Pets Best sells accident-only and accident and illness plans. There’s a three-day waiting period for injuries and a 14-day waiting period for illnesses.

Most plans include coverage for exams, medications, behavioral problems, rehabilitation, and dental care. You can also get an optional add-on that covers routine care.

Pets Best offers deductibles of $50 to $1,000. Coverage limits are $5,000 or unlimited.

Compared to some other good pet insurance companies we reviewed, Pets Best has a much longer claim processing period. Most claims are resolved within 20 to 25 days, while the majority of companies we analyzed processed claims in 15 days or less.

• $7.87 per month with a $1,000 deductible and 70% reimbursement

• Routine care

If you’re looking for a New Jersey pet insurance company that insures exotic pets and birds, Nationwide could be a good fit. It’s the only company we reviewed that covers exotic pets and birds. However, you’ll need to call Nationwide to find out exactly which exotic pets are covered.

Overall, Nationwide offers a good selection of plans, including wellness, accident, and accident and illness plans. There’s a 14-day waiting period for injuries and illnesses and an extended waiting period for certain conditions. 

Plans cover most pet health care costs, including exam fees, medications, supplements, prescription diets, alternative therapies, and rehabilitation. Dental coverage and bilateral conditions are also covered.

Nationwide’s pet health plans have a deductible of $100 to $1,000, and coverage limits range from $10,000 or unlimited. However, you can only get reimbursed for up to 70% of your pet’s covered medical care—this was the lowest maximum reimbursement rate of the 18 companies we analyzed.

The average price of a New Jersey plan is $37.23 per month with a $250 deductible (reimbursed based on service performed and health condition). However, Nationwide’s exotic pet plans will likely have different pricing. Here’s a table of premiums we obtained from Nationwide for exotic pets and birds: 

If you’re looking for a pet insurance plan that reimburses claims quickly, Prudent Pet Insurance is an excellent option. The company pays claims within one to three days, meaning you won’t have to wait long to be reimbursed for the medical bills you paid for.

Prudent Pet’s plans cover most dog and cat healthcare costs, including medications, supplements, behavioral problems, and dental care. Exam fees are covered at an additional cost. And while plans provide dental coverage, root canals and crowns are not covered.

Deductibles range from $100 to $1,000 and you can choose coverage limits of $10,000 or unlimited. Prudent Pet doesn’t charge an enrollment fee for any of its plans, but there is a $2 monthly service fee.

One of the downsides of Prudent Pet is that it doesn’t have a mobile app. However, there is an online customer portal where you can access your policy, file claims, and make payments.

• $24.85 with a $1,000 deductible and 70% reimbursement

• Wellness coverage

New Jersey USAA members can get pet insurance through Embrace. As a USAA member, you can get a discount of up to 25% on your pet insurance policy when you insure your dog or cat. Embrace also offers a multi-pet discount, too.

USAA sells accident-only plans and accident and illness plans. There’s a two-day waiting period for injuries and a 14-day waiting period for illnesses. The deductible options range from $200 to $1,000 and you can choose coverage limits between $5,000 to $30,000 per year.

• $28.58 with a $250 deductible and 80% reimbursement

• Wellness rewards

American Kennel Club (AKC) pet insurance covers treatment for many pre-existing conditions, which not all pet insurance companies do.

However, there are some limitations. Pre-existing conditions are only covered after a 12-month waiting period. Additionally, some pre-existing conditions, like allergies and gastrointestinal issues, are never covered.

AKC sells accident-only and accident and illness plans, with waiting periods of two days for injuries and 14 days for illnesses. There’s also an extended waiting period for certain conditions. Plans cover medications, behavioral problems, supplements, rehabilitation, alternative care, and dental accidents.

You can choose a deductible of $100 to $1,000 and get coverage starting at $2,500 up to unlimited per annual policy period. AKC Pet Insurance plans don’t have an enrollment fee, but you’ll pay a $3 monthly service charge.

• $14.47 per month with a $1,000 deductible and 70% reimbursement

• Two levels of wellness coverage
• Exam coverage
• End-of-life coverage
• Breeding coverage

Companion Protect offers the best value out of the insurers we reviewed, and the company pays for 90% of your pet’s health costs. 

A pet insurance policy from Companion Protect has a $100 deductible that you must pay every time you file a claim, which is the only company out of 18 we reviewed with that requirement. Although the deductible is low, it can add up quickly if your pet needs frequent medical care. However, there’s no deductible for prescriptions.

The only plan available Companion Protect offers is an accident and illness plan. It provides unlimited annual coverage and has a lifetime maximum limit of $100,000. 

Companion Protect pet insurance plan has no waiting periods. If your pet gets sick or injured, you can use your benefits right away. There’s also no extended waiting period for chronic conditions.

You can only get pet insurance from Companion Protect if you adopt a dog or cat at a partner animal shelter. To find out if your shelter is a partner, you can call the shelter or Companion Protect at (800) 304-9930.

• $44.99 per month with a $100 deductible and 90% reimbursement