New Jersey Pet Insurance

There’s a wide range of pet insurance costs, depending on a wide variety of factors, including coverage limits. On average, our New Jersey pet insurance costs between $20 and $108 per month.

We believe honesty is the best policy, so we won’t tell you that Embrace is the cheapest in New Jersey when it isn’t always. But our goal isn’t to be the cheapest, our goal is to cover more and offer the best pet protection we can. We are highly rated by our members (4.1 Google; 4.2 Trustpilot), have a 5-star rating from Forbes and are also highly rated by Rover, Investopedia, Money, Canine Journal and others. If you’re the type of pawrent who wants the best for their fur baby, you’ve come to the right place.

Despite its beautiful scenery, New Jersey presents some hidden dangers for pets. During the scorching summer months, heatstroke becomes a major concern, while hypothermia and frostbite pose threats on frosty winter walks. New Jersey's unpredictable weather, from sudden snowstorms to intense thunderstorms, demands extra caution for pet owners. Be vigilant for flash floods, black ice, falling icicles, and summer air quality issues that can negatively impact your pet's health.

Common pests like heartworms, fleas, and ticks are prevalent throughout the state, with tick-borne Lyme disease posing a serious threat, especially in rural areas. If your dog enjoys the social scene of dog parks, be aware of additional risks like parvovirus, a potentially fatal illness, and kennel cough, a highly contagious respiratory infection.

Urban environments like Newark and Jersey City present unique challenges. Rodent bait, heavy traffic, and potential exposure to toxins and lead paint require extra vigilance. In contrast, rural areas like the Pine Barrens raise concerns about encounters with wildlife like coyotes, foxes, and potentially rabid animals such as raccoons or squirrels.

Given the diverse landscapes and varying threats across the state, New Jersey pet owners must remain informed and take appropriate precautions to ensure the safety and well-being of their furry companions.

For any parent who would prefer not to pay thousands in vet bills, pet insurance is a smart financial option. No matter how careful we are with our pets, accidents happen, and illness is largely unpredictable.

An emergency with a few zeroes behind it can lead to tough decisions, and pet insurance can save your pet’s life.

If you’re contemplating pet insurance, you’re in good company. According to Nerd Wallet, the number of pet parents who opted for pet insurance has doubled since 2019.

Oh, and if you’re wondering, pet insurance is likely to pay off faster than you think. More than 50% of Embrace customers submit a claim within their first policy year, based on Embrace’s claims data.

Details vary, so here’s what you can expect: Whether or not you can use pet insurance immediately depends on the type of coverage you have. All policies cover accidents from the start date of the policy. All polices have a 2 week illness waiting period. Most Pet Wellness Plans, on the other hand, aren’t insurance policies and your full benefits are available from day one. Other waiting periods and exclusions vary by state. Check your policy or click here for details.