Pet Insurance in New Jersey: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Pets are part of the family, and it’s important to make sure they get taken care of. Many people skip buying pet insurance because they think their furry friends won’t need much medical attention. Unfortunately, these assumptions can lead to significant, unexpected expenses down the road if your animal does get sick. A bit of pre-planning is all you need to secure your financial protection and your pet’s health.

MoneyGeek gathered insurance quotes data from various New Jersey top cities, including Elizabeth, Jersey City, Newark and Paterson. By doing so, we hope to help you find the best and most cost-effective pet insurance provider in the state that fits your budget and meets your pet’s needs.

To find the best pet insurance companies in New Jersey, MoneyGeek conducted extensive research to identify the top pet insurance providers in New Jersey. This includes reviewing thousands of quotations and documenting coverage data for companies that provide pet insurance in New Jersey.

MoneyGeek selected the top pet insurance providers based on affordability and product offerings. The cost of pet insurance in New Jersey varies depending on your pet’s breed, age, the coverage you select, the company you choose, and even your own location. Before choosing a provider, it’s always a good idea to shop around to compare prices and plans from different providers.

The cost of pet insurance in New Jersey is impacted by many factors, including your pet's age, breed, the level of coverage you choose and even your zip code. The average cost of dog insurance across the state is $29.18 per month for up to $5,000 in coverage per year, $53.14 per month for a $10,000 coverage limit and $55.53 per month for unlimited coverage. Cats are typically less expensive to insure, and cost on average $15.76 per month for a $5,000 coverage limit, $26.18 per month for a $10,000 coverage limit and $38.45 per month for unlimited coverage.

Other variables can impact the cost of insurance in addition to those mentioned. For example, your deductible and whether you choose any extra features or treatments will make a difference to your premium. Since every insurer weighs these factors differently, it’s a good idea to get a few personalized quotes before deciding on a policy.

MoneyGeek wants to help pet owners in New Jersey understand the typical options most insurance companies provide. These include:

• Annual reimbursement limits: these usually range from $3,000 to unlimited
• Deductible: $250 to $500 per year, but some companies have higher or lower options
• Bill reimbursement percentage: 70-90%

Some New Jersey pet owners may choose less expensive policies with lesser coverage levels to keep their monthly expenses under control or because they don’t think they need high coverage. Others prefer the security that high coverage levels offer. While it’s more expensive and the average pet owner may not desire unlimited protection, it does provide the best financial protection for you. MoneyGeek generally recommends the average coverage amount below for pet insurance shoppers in New Jersey.

To save money on pet insurance, consider a low annual limit, high deductible and low reimbursement. In the below table, we’ve compared New Jersey pet insurance policies with a $5,000 coverage limit, $500 deductible, and 80% reimbursement.

When it comes to the cost of your pet's insurance, where you live can be just as crucial as your pet's age and breed. This is because medical treatment may be more expensive in your area.

For example, the higher cost of living in many New Jersey cities means that veterinary medical treatment and insurance premiums are more costly. Added to that, certain cities may be more dangerous for your pets due to adverse weather conditions, high levels of traffic and congestion or other circumstances. Your insurance premiums may reflect those circumstances in your premiums. Of course, the type and level of coverage you choose will also impact your monthly pet insurance payments.

The cost of pet insurance in New Jersey is impacted by your pet's age, breed, the coverage level you choose, where you live, and the insurance company itself. Most policies allow you to customize your coverage limits to create a policy that works for you and your pet.

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team gathered thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet's needs.

To determine the best pet insurance companies in New Jersey, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in New Jersey and determine affordability scores, MoneyGeek gathered quotes by company across many zip codes in the state for four pet types with the following coverage levels:

• Low Coverage: $5,000 Coverage, $500 Deductible, 80% reimbursement
• Average Coverage: $10,000 Coverage, $250 Deductible, 80% reimbursement
• High Coverage: Unlimited Coverage, $250 Deductible, 90% reimbursement