The Best Pet Insurance in New Jersey for 2025

Why it's the best: ASPCA had the highest raw score of all the companies we analyzed. Its pet insurance policy covers more than most, including alternative therapies, prescription food and treatment for dental diseases. 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 wellness coverage for expenses like teeth cleaning, deworming and vaccines. If you’d rather have coverage for injuries only, you can choose the more affordable accident-only plan.

Learn more with our ASPCA pet insurance review.

Why it's the best: Pumpkin offered low rates for the sample cats we quoted. Aside from its affordable prices, Pumpkin stands out for its quick processing of claims of $1,000 or more. If you set up a bank account that can receive real-time payments, Pumpkin may be able to reimburse you before you leave the vet’s office.

Pumpkin’s accident and illness coverage is generous, too. The plan pays for advanced care like stem cell therapy and acupuncture, plus prescription food and supplements. Pumpkin has no breed restrictions or upper age limits.

Learn more with our Pumpkin pet insurance review.

Why it's the best: We like Figo for its wide range of plan options. It’s unique in offering to reimburse up to 100% of your vet bills once you’ve met your deductible. (Most insurers top out at 90%.) It also offers an unlimited annual coverage benefit. Having lots of options can help you find the best combination of price and coverage for your pet.

Figo also has a mobile app with lots of useful features. You can use the Pet Cloud app to store your pet’s medical records, text with a vet professional and meet other pet parents in your area.

Learn more with our Figo 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.

How we review pet insurance

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, consumer experience and more to determine our star ratings.

In our evaluation, we:

Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong consumer experience. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

Dive deeper with our criteria for evaluating pet insurance companies.