New Jersey Pet Insurance (2026)
Average pet insurance rates, top-rated insurers, and state-specific pet health risks in New Jersey. Rates shown for a mixed-breed pet, age 3, with accident and illness coverage.
Dog Monthly
$63
Mixed breed, 3yo
Cat Monthly
$40
Mixed breed, 3yo
Dog Annual
$756
Per year
State Rank
#8
1 = most expensive
Advertisement
Top Pet Insurers for New Jersey
1
Get QuoteTrupanion
Unlimited coverage, direct vet payment
Dog/mo
$65
Cat/mo
$42
Annual Limit
Unlimited
Reimbursement
90%
2
Get QuoteNationwide Pet Insurance
Wellness add-on available
Dog/mo
$55
Cat/mo
$35
Annual Limit
$10,000
Reimbursement
70%–90%
3
Get QuoteHealthy Paws
Unlimited annual limit + fast claims
Dog/mo
$50
Cat/mo
$32
Annual Limit
Unlimited
Reimbursement
70%–90%
4
Get QuoteASPCA Pet Insurance
Comprehensive coverage
Dog/mo
$48
Cat/mo
$30
Annual Limit
$10,000
Reimbursement
70%–90%
5
Get QuoteLemonade Pet
Low-cost option, AI claims
Dog/mo
$35
Cat/mo
$22
Annual Limit
$100,000
Reimbursement
70%–80%
Advertisement
What to Know Before Buying in New Jersey
- •Lyme disease coverage is essential
- •NYC specialist access is excellent for northern NJ
- •Higher premiums reflect metro area vet market
New Jersey Pet Health Facts
New Jersey has high vet costs driven by the NYC/Philadelphia metro premium.
Lyme disease risk is very high in NJ — among the top states nationally.
Access to NYC specialist vets is a major advantage for northern NJ pet owners.
Advertisement