Find the Best Pet Insurance

in New Jersey

Facts About Pet Insurance in New Jersey

Pet insurance plans help defray the cost of veterinary treatment for a sick or injured family pet. Your monthly premium gives your dog, cat or other pet coverage for allowed treatment expenses, up to predetermined limits. Most pet health insurance is meant primarily to protect against the unexpected and does not cover routine healthcare such as vaccinations, worming and neutering. In some cases, depending on the level of pet insurance coverage purchased, wellness care costs can also be offset up to a maximum annual amount.

  • Pet insurance for a dog ranges from $300 -$960 annually.
  • Pet insurance for a cat ranges from $120 - $600 annually.
  • Covered emergencies can include: GI issues, traumatic injury, toxin injection, unexpected accidents or illness
  • Uninsured emergency care may exceed $10,000 often forcing pet owners to consider "economic euthanasia".

Average Cost of Pet Insurance in New Jersey

Pet insurance cost depends on the animal’s age, health, and the chosen level of coverage. Expect an older animal to cost more to cover. In fact, some providers have age limits on pet health insurance plans. Certain pre-existing conditions and specific breeds are not insurable by some carriers.

Average Uninsured Cost for Common Veterinary Emergencies

Cost to care for a pet

Coverage Options for Pet Insurance

  1. Basic Coverage: Reimburses at the lowest levels and covers the least variety of procedures. These less expensive policies typically include higher annual deductibles, caps per accident or illness, and total reimbursement per policy term caps.
  2. Comprehensive Coverage: Costs more annually, but provides more benefits. Coverage may include injuries, emergencies, and illness, as well as office visits, prescriptions, imaging studies, and lab work. This policy may have a lower annual deductible compared to basic, but will include caps per accident or illness and total reimbursement per policy term caps.
  3. Pet Wellness Care Coverage: This is for preventative care and includes annual exams, flea and heart worm prevention, and vaccinations. Availability and coverage will vary by carrier. 

When deciding on the best pet insurance policy for your furry friends, you’ll want to weigh overall quality against cost. A Trusted Choice independent insurance agent can help you navigate the plans available for your pets, so you can choose a policy with confidence.

Understanding Pet Health Insurance Exclusions

It is important to note that even the best pet insurance plans will have exclusions, so be sure your New Jersey pet insurance meets your specific coverage needs. An independent insurance agent can explain your many options and get multiple quotes for you to choose from. Typical exclusions include:

  • Pre-existing conditions: If your dog has already been diagnosed with a heart problem before you took out the policy, an insurer will be unlikely to cover that condition. 
  • Breed-specific conditions: For example, German Shepherds are prone to eczema and hip dysplasia, so many insurance companies will exclude coverage for those conditions. 
  • Two-week wait: If your cat started limping yesterday, it will not help to insure her today. Most policies apply a waiting period before pet health insurance coverage begins. 
  • Preventive care: Most insurance does not cover preventive health care such as vaccination, worming and neutering. Some provide the option to purchase wellness care along with your pet insurance plan.

Top Insurance Companies That Support Independent Agents in New Jersey 

There are currently 485 independent insurance agents in New Jersey who are ready to help. These agents can save you time and money by helping you find competitively priced coverage that is well-suited to meet your business’s specific coverage needs. Talk to an insurance agent near you to learn more and to start comparing customized business insurance quotes.

Why go Independent

Why Go Independent When Looking for Insurance?

  • Local agents know your community
  • Multiple quotes from one agent
  • Get more value for your money