Best Pet Insurance in New Jersey

By Amanda Lutz

Jul 21, 2022
Beagle dog jumping and running with a toy in a outdoor towards the camera

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Pet insurance is a valuable purchase that can protect your pet after unexpected accidents and illnesses. If you live in the Garden State, you have access to more than a dozen pet insurance companies, but not all offer the same caliber of service. 

To help narrow down the list, we’ve analyzed hundreds of customer reviews, compared coverages, and consulted with industry experts. Read on for our recommendations for the best pet insurance in New Jersey.

The Best Pet Insurance Providers in New Jersey

Our research revealed these to be the top five best pet insurance companies in New Jersey:


Fast Facts:

What We Like: Spot has many coverage options to suit your preferences, with customizable policy limits and versatile plans. The company covers a wide range of conditions and treatments and offers unlimited protection.

Plan Options: Spot offers accident-only coverage, accident-and-illness protection, and wellness care benefits. The accident-only plan provides affordable coverage for your pet’s unexpected injuries such as burns, cuts, or broken bones. The accident-and-illness plan extends to illnesses and features unique coverages competitors don’t always include, such as reimbursement for therapeutic diets and dietary supplements. 

Spot’s Gold and Premium optional preventive care add-ons offer $250 or $450 of benefits for your pet’s dental cleanings, wellness exams, vaccines, and other routine care costs.

Like all pet insurance companies, Spot excludes preexisting conditions present before enrollment, breeding costs, and preventive care.

Quote Process: Spot’s quote process is quick and efficient, with a three-page application form. You need to provide your pet’s age, sex, and breed, as well as your name, ZIP code, and email. You’ll be directed to your personalized pet insurance quote within seconds. Then, you can adjust the policy’s annual coverage limit, deductible, and reimbursement rate, securing anywhere from $2,500 to unlimited coverage. 

You can also add preventive coverage for routine care costs. From there, you can purchase coverage directly and review the policy’s terms and conditions.

Benefits and Drawbacks

Consider the following pros and cons of Spot pet insurance:

Pros Offers a complimentary Amazon gift card to New Jersey residents at enrollment Has no upper age limit, so older pets can be insured Provides several levels of coverage to meet multiple pet needs
Cons Has a longer waiting period for accidents than some competitors Doesn’t offer customer support on the weekends



Fast Facts:

What We Like: Lemonade has honed in on user experience, using artificial intelligence (AI) to streamline its quotes, claims process, and policy management. The highly rated mobile app is easy to use and makes policy management simple.

Plan Options: Lemonade offers accident-and-illness plans and a few add-ons. The accident-and-illness plan covers diagnostics, procedures, and medications related to your pet’s accidents and illnesses. You can also purchase the add-ons below:

Quote Process: Lemonade’s quote process is more involved than Spot’s but can still be completed in a few moments. Rather than filling out a form, Lemonade’s AI Maya walks you through a series of short pages where you enter your address and your pet’s basic details, then answer a few questions about their medical history. Then, you can choose to add vet visit fees and customize your accident-and-illness plan’s coverages before checking out.

Benefits and Drawbacks

Consider the following pros and cons of Lemonade pet insurance:

Pros Can settle simple claims in minutes Offers a discount for bundling with Lemonade’s auto, renters, or home insurance Has a charitable giveback program that donates unused premiums
Cons Requires an add-on for physical therapy Is facing a class-action lawsuit over its alleged collection of biometric data


Fetch by The Dodo

Fast Facts:

What We Like: Fetch by The Dodo, formerly called Petplan, has comprehensive accident-and-illness coverage. We also like its extensive online resources, including side-by-side coverage comparisons and policy benefits from other providers.

Plan Options: Fetch offers one accident-and-illness policy. In addition to the standard treatments covered by most providers, such as hospitalization and diagnostics, the plan covers sick-visit exam fees, boarding fees if you are hospitalized, behavioral therapy, and alternative and holistic treatments such as aromatherapy. Annual coverage is limited to $15,000.

Quote Process: Fetch’s quote process is straightforward. After you enter your pet’s age, breed, sex, and location, along with your email address, Fetch presents you with a custom quote. You can then adjust your annual coverage limits, deductible, and reimbursement rate. Once your policy details are squared away, you can enter your payment information and purchase your pet’s policy.

Benefits and Drawbacks

Consider the following pros and cons of Fetch pet insurance:

Pros Accepts all vets in the United States and Canada Is sponsored by The Dodo, a highly respected animal media network Includes every adult tooth in its dental coverage
Cons Doesn’t offer an unlimited coverage option Has no preventive care coverage



Fast Facts:

What We Like: Trupanion is ideal for pet parents who want a streamlined payment process. Rather than paying the vet, filing a claim, and getting reimbursed later, the veterinary clinic submits your claim at checkout, you pay your portion of the bill, and Trupanion covers the rest directly. Currently, more than 130 hospitals in New Jersey accept direct Trupanion payments.

Plan Options: Trupanion offers accident-and-illness coverage, plus a few unique add-ons. The accident-and-illness plan offers standard coverage for hereditary conditions, general illnesses, and congenital conditions plus diagnostic tests, hospital stays, and more. It also covers treatments and services such as herbal therapy, prosthetics, and carts.

While Trupanion doesn’t offer preventive coverage, it does have two add-ons:

Quote Process: To get a quote from Trupanion, you’ll need to enter your pet’s name, age, sex, and breed. You’ll also need to note whether or not they have been spayed or neutered and specify if they are assistance animals or therapy pets. Finally, you’ll be required to enter your ZIP code and email address.

Rather than offering multiple payout limits and reimbursement rates, every Trupanion pet insurance policy provides unlimited coverage with 90% reimbursement. You can choose from hundreds of annual deductible amounts ranging from $0 to $1,000 to select the exact amount you’d like to pay out of pocket for a claim. You can also select add-ons during the quote process. You can then proceed to checkout, where you’ll be prompted to enter your name, address, phone number, and vet’s information before making a payment. 

Benefits and Drawbacks

Consider the following pros and cons of Trupanion pet insurance:

Pros Covers curable conditions after your pet has been symptom-free for one year Reduces orthopedic waiting period with a vet exam Offers highly customizable coverage
Cons Coverage maxes out at $30,000 per year Doesn’t cover prescription foods or dietary supplements


Comparing New Jersey Pet Insurance

Use the table below to compare the top pet insurance companies in New Jersey:


Waiting Period for Accidents

Waiting Period for Illnesses

Money-Back Guarantee

Maximum Enrollment Age


14 days

14 days

30 days



2 days

14 days


Varies by breed


Varies by state

Varies by state

30 days



5 days

30 days

30 days



2 days

14 days

30 days



New Jersey Pet Laws

Some states like California have consumer protection laws in place to shield pet insurance policyholders from deceptive or unfair practices on the part of insurance companies

While New Jersey does not have exclusive pet insurance laws, the New Jersey Department of Banking and Insurance provides contact information for all licensed pet insurance underwriters in the state. It also allows you to file a consumer complaint against insurers for some of the incidents below:

Using this online form, you can file a complaint directly with the New Jersey Department of Banking and Insurance Consumer Consumer Inquiry and Response Center. It will ask for your contact information, details on the insurance company, an overview of the situation, and your idea of a fair resolution. You can also attach supporting documents to make your claim.


Fun Things to Do With Your Pet in New Jersey

There is no shortage of adventures awaiting pets and their families in New Jersey. If you live in the Garden State, here are a few of the types of activities you can do with your furry companion:

Our Recommendation

Spot is our top pick for New Jersey pet insurance, with three plans, customizable coverage limits, and less frequently covered items like therapeutic diets and supplements. 

However, each pet insurance company featured in this review stood up to our in-depth review standards, scoring well for their customer service, quality of coverage, and overall reputation. We recommend comparing quotes and sample policies from at least three companies before purchasing a cat or dog insurance plan for your four-legged friend.


Frequently Asked Questions

Can pet insurance be used anywhere?

You can use pet insurance at any licensed vet clinic in the United States, including vet hospitals, emergency centers, and specialists’ offices. Some providers, such as Fetch by The Dodo, are also available in Canada.

Does pet insurance pay for vaccinations?

Pet insurance agencies consider vaccinations part of your pet’s routine preventive care. As a result, standard pet insurance plans do not pay for vaccinations. However, many companies offer wellness care coverage for a low monthly fee to cover routine costs like vaccines, grooming, and health checkups.

What will pet insurance cover?

Pet insurance covers your pet’s unexpected health care costs, such as broken bones, cancer, hip dysplasia, and allergies. It reimburses you for emergency care, hospitalization, diagnostics, prescriptions, surgeries, and some exam fees related to these conditions. Common exclusions include routine care, elective procedures, and breeding expenses.

Is pet insurance worth it?

Pet insurance is worth it for pet parents who want to secure the highest quality veterinary services for their pets. Whether you’re concerned with footing a pet insurance bill or not, it can protect your pet and take the hassle out of dealing with vet bills.


How We Chose the Top Pet Insurance Providers in New Jersey

Our team researched and reviewed more than a dozen pet insurance companies, analyzing customer reviews, comparing policies, and consulting with industry experts. In our exhaustive review, we assessed the following factors: