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6 Best New Jersey Pet Insurance for Dogs & Cats (2024 Reviews)

Dog on bench in New Jersey
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Most pet parents understand that emergencies can strike at any time and are often quite expensive, so they opt to buy pet insurance for their cats and dogs. Pet insurance provides crucial support that can alleviate the financial burden of urgent care. We are pleased to share with you the 6 best pet insurance companies for New Jersey residents looking to protect their dogs and cats, so they can get the very best care whenever they need it.

Dog playing fetch on jersey shore
Having a blast playing along the Jersey Shore!

5 Top Dog & Cat Insurance Companies Compared for New Jersey

  • 1. Lemonade

    (Best overall)

    Why it’s great: Lemonade has several benefits that appeal to pet parents, including affordable rates, several wellness plan add-ons and comprehensive accident and illness coverage. They also have an extremely short waiting period of 2 days compared with other companies requiring 14 to 60 days. Lemonade also makes filing claims simple via their impressive mobile app. Pet parents can bundle their pet’s policy with renters or homeowners insurance for an extra discount.

    Keep in mind: If your pet has a pre-existing condition, you might have to submit documentation from your vet detailing it before your policy becomes active.

    Good for: Almost all dogs and cats, particularly the young and healthy. 

    Average price for DOGS in New Jersey: $34.92/month 

    Average price for CATS in New Jersey: $11.00/month


    Learn more at ➜

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo is known for reimbursing pet parents ultra-fast via PayPal, Venmo or direct deposit. Once you meet your deductible, they will reimburse up to 100% of vet fees within a given year. There are also discounts available to those with multiple pets or renewals without any claims from the previous year and the freedom to choose their pet’s veterinarian.

    Keep in mind: Coverage ends once your pet receives $100,000 in benefit payouts over the course of their lives.

    Good for: Pet parents who want a solid mix of wellness and emergency care.

    Average price for DOGS in New Jersey: $41.40/month 

    Average price for CATS in New Jersey: $25.25/month


    Learn more at ➜

  • 3. Figo

    (Best for cats)

    Why it’s great: Figo provides insurance for both dogs and cats but has some of the lowest monthly premiums for felines. They offer live 24/7 veterinary consultations via their mobile app, so you can get essential guidance and support even outside of business hours. Figo also features several wellness package add-ons, including one that covers up to $250 in prescription food. Better yet, all of Figo’s plans provide unlimited lifetime benefits, which means your pet can retain coverage irrespective of how expensive care may become.

    Keep in mind: Pre-existing conditions are not covered.

    Good for: Cat parents. Also, pet owners who want 24/7 telehealth services included in their policy. 

    Average price for DOGS in New Jersey: $53.54/month 

    Average price for CATS in New Jersey: $33.79/month


    Learn more at ➜

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: Pawp’s emergency fund protects as many as 6 pets of any age, breed or health condition within a given household for a flat fee of $24/month. Along with the emergency fund, pet parents get unlimited access to 24/7 telehealth services and consultations with pet experts. The best thing about Pawp’s coverage is that there are no copays, deductibles or credit checks and that pet parents get to choose their veterinarians. They also guarantee that their customers will leave the vets’ with their bills fully paid, saving pet owners from going through the claims process.

    Keep in mind: Pawp only covers events qualified by their virtual team of vets as emergencies. The emergency fund only covers one of your pets for a single vet bill under $3,000 once per year.

    Good for: Older pets or those with pre-existing conditions. A good supplement for a traditional pet insurance plan. 

    Price: $24/month 


    Learn more at ➜

  • 5. Embrace

    (Best established brand)

    Why it’s great: Embrace has a number of perks that have helped it become an established brand over the years, including no maximum lifetime payouts, multiple pet discounts and diminishing deductibles. A diminishing deductible will automatically decrease by $50 at the end of each year your pet goes without insurance claim reimbursements. That said, Embrace’s most unique benefit is their wellness plan that provides coverage for alternative veterinary treatments, such as reiki, acupuncture, chiropractic and massage therapy.

    Keep in mind: The total maximum combined claims for the wellness plan is $650, amounting to an approximate annual savings of $25. Refunds are not given on unused wellness plan funds at the end of your policy year.

    Good for: Pet parents who value new age, alternative veterinary care. 

    Average price for DOGS in New Jersey: $53.40/month 

    Average price for CATS in New Jersey: $31.19/month


    Learn more at ➜

  • 6. Eusoh

    (Best pet healthshare community)

    Why it’s great: Eusoh is not a pet insurance company but a community that offers health sharing plans that save members more than 50% compared to pet insurance policies. Eusoh reimburses pet parents for accident, illness and routine care-related expenses. Other perks that come with these health sharing plans are televet services via Eusoh’s partner FirstVet and the freedom to choose the right veterinarian.

    Keep in mind: Eusoh is not a pet insurance company. Instead, they are an expense-sharing community. They offer a maximum annual reimbursement of $8,500, and their highest reimbursement rate is 80%.

    Good for: Pet parents that prefer healthshare communities. 

    Average price for DOGS in New Jersey: $62.58/month 

    Average price for CATS in New Jersey: $40.94/month


    Learn more at ➜

Best Overall


Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in New Jersey and they also offer the best value.

Average price for DOGS in New Jersey: $34.92/month 

Average price for CATS in New Jersey: $11.00/month


Learn more at ➜

FAQs About Pet Insurance in New Jersey

  • 1. What does pet insurance typically cover for dogs and cats?

    While coverage differs between providers, in general, treatment for any accident or ailment that is considered sudden and catastrophic will be covered. Covered treatment typically includes emergency care, tests, exams, other diagnostic procedures, medication and surgery.

  • 2. How much does pet insurance cost in New Jersey?

    Pet insurance in New Jersey costs anywhere from $23.29 to $89.52 per month for dogs (based on prices for a healthy 2-year-old located in the 07307 zip code). And anywhere from $23.32 to $33.79 per month for cats (based on prices for a healthy 2-year-old located in the 07307 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Most pet insurance companies allow customers to cancel their policies at any time. Be sure to check with your provider regarding their requirements for cancellation. Note that any conditions that are diagnosed pre-cancellation may be listed as pre-existing conditions and not covered should you wish to reinstate your insurance at a later date.

  • 4. Do New Jersey pet insurance companies cover spaying and neutering

    New Jersey pet insurance companies do not include spaying and neutering in their coverage. However, some providers such as Embrace have wellness package add-ons that will cover the costs of these operations.

  • 5. Does the cost of insurance increase as my pet ages?

    Your monthly premiums will increase as your pet ages, and this will become particularly more significant once they reach 4 to 5 years old. Insurance providers raise premiums to mitigate the increased risk of your pet becoming ill or developing physical ailments as they get older.

  • 6. Which companies cover pre-existing conditions?

    Pawp ranks the best for coverage of pre-existing conditions, specifically in emergencies. Embrace also covers some pre-existing conditions that they deem as curable. Nevertheless, it is important to clarify the scope of coverage with each provider before applying for a policy. Keep in mind that most pet insurance companies do not cover pre-existing conditions under any circumstances.

  • 7. Is pet insurance worth it in New Jersey?

    Pet insurance is worth it for New Jersey residents since the state has some of the highest veterinary fees in the country. Like pets everywhere, most New Jersey cats and dogs will face emergencies at some point in their lives and will need urgent care. Since urgent care costs can be sky-high, pet insurance can ease the financial burden such veterinary events cause. For example, cataract surgery can run as high as $4,000 and hip replacement surgery $7,000. With the added benefit of pet insurance, pet parents can guarantee their beloved pals get the care they need.


We hope this article has made the process of finding the right pet insurance company for your cat or dog more straightforward. We suggest taking extra time to learn more about the companies we described above before buying a policy. Purchasing the best New Jersey pet insurance plan will protect your best buddy the protection they need for both emergency and routine care.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 07307 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500
  • Lemonade = $20,000