The cost of veterinary care is high and continuing to increase, and for many families, the burden that comes with paying for treatment in the event of an emergency is too much for their budget to absorb comfortably.
This may lead to having to make difficult, painful decisions with their pets’ health, but it’s not necessary for it to be so.
With pet insurance, it’s easy to gain access to quality animal health care when illness or injuries strike, without taking an enormous financial hit.
There are plenty of options for pet insurance, and in the article that follows, we’ve gathered details about the providers who offer the best pet insurance in New Jersey.
It’s crucial to do your research when you’re considering buying pet insurance.
There are many providers in New Jersey, and most have a variety of policy options at different rates.
Costs often vary due to the various calculations used between providers, although most consider similar factors during their underwriting process, including the age, breed, health condition of your pet, and the average cost of care in your state.
When preparing this article, we took time to evaluate more than 30 pet insurers.
We looked at the coverage, cost, and customer service offered by each–and then narrowed it down to the five companies that provide the best pet insurance in New Jersey.
5 Best Pet Insurance Companies in New Jersey
Petplan Pet Insurance
|Monthly Costs||Starts at $29.16 for dogs and $18.19 for cats|
|Coverage||70 percent to 90 percent reimbursement after deductible|
|Payout Limits||$2,500 to unlimited depending on the plan|
|Deductible||Ranges from $250 to $1,000 annually depending on the plan|
Petplan has an A+ rating from the Better Business Bureau, which goes hand in hand with the company’s reputation for providing excellent customer service.
Policies are available for dogs and cats aged six weeks and older, covering a large range of conditions and treatments.
Starting rates are well below the national average of $44.66 for dogs and $27.93 for cats on a comprehensive plan, and claims are typically processed in under ten business days.
PetFirst Pet Insurance
|Monthly Costs||Starts at $16.95 for dogs and $8.95 for cats|
|Coverage||Ranges from 70 percent to 90 percent depending on the plan|
|Payout Limits||$5,000, $10,000, or $20,000 annually depending on the plan|
|Deductible||Ranges from $50 to $500 per incident|
PetFirst is also known for its excellent customer service, which is backed by an A+ rating from the BBB.
Plans are available to both cats and dogs starting at eight weeks and have no upper age restriction.
PetFirst goes above and beyond many of its competitors by offering a senior-specific plan.
Starting rates are below national averages.
Claims can be submitted in several ways, including online, and are paid out within ten days of processing.
Healthy Paws Pet Insurance
|Monthly Costs||Starts at $32.83 for dogs and $17.19 for cats|
|Coverage||70 percent to 90 percent reimbursement after deductible depending on the plan|
|Deductible||Ranges from $100 to $500 annually depending on the plan|
Healthy Paws has an A+ rating from the BBB.
Its starting rates are slightly below national average monthly premiums, and coverage is available to cats and dogs aged eight weeks to 14 years.
Coverage is extensive and includes a long list of conditions and treatments.
Claims can be submitted online or using the company’s mobile app and are typically processed within ten days.
Trupanion Pet Insurance
|Monthly Costs||Starts at $59.21 for dogs and $32.41 for cats|
|Coverage||90 percent reimbursement after deductible|
|Deductible||Ranges from $0 to $1,000 per incident depending on the plan|
Trupanion’s A+ BBB rating and an extensive collection of positive customer reviews indicate high levels of customer satisfaction.
Although rates are slightly above national averages, the coverage included with New Jersey’s Trupanion’s pet insurance plans is ample and well worth the price.
Customers have the option of purchasing supplemental coverage on top of their policy, for both routine care and alternative therapy.
Trupanion is one of the few providers to offer direct billing.
Hartville Pet Insurance
|Monthly Costs||Starts at $9.28 for dogs and $9.83 for cats|
|Coverage||70 percent, 80 percent, or 90 percent, depending on the plan|
|Payout Limits||Ranges from $2,500 to unlimited, depending on the plan|
|Deductible||$100, $250, or $500, depending on the plan|
Crum + Forster underwrites Hartville pet insurance in New Jersey, and both companies have an A+ rating from the BBB.
Starting rates are some of the lowest in the industry, and plans from Hartville are fully customizable, including the option to choose your deductible, coverage cap, and reimbursement rate to best accommodate your budget.
Coverage is expansive and available to dogs and cats aged eight weeks to 14 years old.
Claims can be submitted in several ways, including the company’s convenient online portal.
According to customer reviews, claims are paid out quickly, generally within one week, and the company’s claims process is straightforward.
Using the information above, you should have a thorough understanding of what to look for in a pet insurance provider and a good start on finding the best pet insurance in New Jersey.*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.