The Best Pet Insurance in New Jersey for 2025

If your furry pal gets sick or hurt, pet insurance can help pay some 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.

Why it's the best: Spot had one of the highest raw scores among all the pet insurance companies we evaluated. Spot's accident and illness plan covers a wide variety of services, including alternative therapies, behavioral consultations and treatment for dental illnesses. These are all expenses some pet insurers charge extra for.

For even more coverage, consider buying one of Spot's preventive care plans. These optional add-ons can reimburse you for spay or neuter surgery, dental cleaning, vaccinations and other wellness expenses.

Learn more with our Spot pet insurance review.

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.

Compared to some other pet insurance policies, Lemonade’s accident and illness plan is fairly basic. It covers diagnostic tests, surgeries and prescription medicine, but you'll have to pay extra if you want coverage for:

• 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.

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 pay for prescription food, behavioral issues, alternative therapies, dental disease treatment and microchipping. It may also cover certain curable pre-existing conditions. These conditions must have been symptom- and treatment-free for at least 180 days.

You can add preventive care coverage 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.

Learn more with our ASPCA pet insurance review.

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.

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.

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

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.

» MORE: Is pet insurance worth it?

How to choose the best pet insurance

Look beyond price. Cost is important, but it shouldn’t be your only consideration. Say Plan A costs $10 more a month than Plan B, but it includes coverage for exam fees and alternative therapies. If you have to pay extra to get these types of coverage with Plan B — or they’re not available at all — you might find Plan A a better value.

Learn about the claims process. If one pet insurer generally processes claims within two days while another takes up to a month, you may want to go with the quicker one. That way you’re not waiting for weeks to get reimbursed. Even better, keep an eye out for pet insurers that can pay your vet directly.

Read reviews. NerdWallet has researched dozens of pet insurance companies so you don’t have to. Read our pet insurance reviews to see our star ratings and get coverage details.

» MORE: What does pet insurance cover? Read our complete guide

How to find more affordable pet insurance

Shop around. We recommend getting quotes from at least three different pet insurance companies to find the best price. To ensure a fair comparison, make sure you’re looking at plans with similar deductibles, reimbursement rates and annual limits.

Adjust your plan. Most pet insurance plans can be tailored to your needs and budget. To get a lower price, you can raise your deductible or choose a lower reimbursement rate. Just be prepared to pay more out of pocket at the vet.

You can also choose less coverage — for example, by selecting $5,000 of annual coverage instead of $10,000 or more. But if your pet gets seriously sick and racks up vet bills above that amount, you’ll have to pay the difference.

Ask about discounts. Some companies offer savings to select customers, such as members of the military or those who insure more than one pet.

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.