Insuring Your Pet in New Jersey

With Embrace pet insurance, you can customizable your policy at a price that fits your budget. With no networks, we’re accepted by every vet from Newark to Jersey City – and every other neighborhood in the Garden State.

Why We Recommend Pet Insurance if You Live in New Jersey

The cost of living is higher in the New Jersey compared to other areas in the country, and the vet bills are no exception. A pet wellness visit at a New Jersey vet can average around $200. And, that does not include any extra costs, like blood work or x -rays. Pet insurance is a great way to offset these costs when your pet is faced with an unexpected accident or illness.

Here are some of the most common worries and claims from our New Jersey pet parents:

illustration of a tick


Black-legged ticks, lone star ticks, American dog ticks and brown ticks all call New Jersey home. Lucky you! Lyme disease is most often transmitted by the black-legged ticks. Many of our pet parents in New Jersey take advantage of our add-on Wellness Rewards to help budget for and cover the costs of preventatives like flea and tick medications.

illustration of a dog coughing

Canine Influenza

New Jersey often experiences higher instances of canine influenza. Severely affected dogs usually need hospitalization with IV fluids, medications to help them breathe, and oxygen supplementation. If your veterinarian suspects that a bacterial infection has also occurred, your dog may be prescribed antibiotics as well. This contagious respiratory disease in dogs can be preventable with a vaccine.

illustration of a dog limping

Unexpected accidents lurk just around the corner – from slipping on ice, ingesting something toxic, or an injury from running with the big dogs at the park. You certainly can’t plan for the unexpected, but you can always be prepared with pet insurance. 

Some Happy Endings from our New Jersey Embraced Pets

Husky Pup Timber from Linden, NJ

Dog Bite Wounds

Vet Bills: $1,403

Embrace Reimbursed: $811.95

"Embrace was just wonderful in helping cover the costs of Timber's surgery as well as several post-op check-ups."

Bauer the Lab from Mount Laurel, NJ

Fibrocartigenous embolism claim

Vet Bills: $4,940

Embrace Reimbursed: $3,754.70

"Having Embrace has taken a huge pressure away from this situation- as the cost of pet medical bills is always a heavy burden. But now, all our energies can be spent not worrying about paying the bills, but more importantly- on getting Bauer back on his feet again."

Cadence the Pug from New Jersey


Vet Bills: $3,740

Embrace Reimbursed: $3,247.75

"Embrace has absolutely outstanding customer service and has promptly taken care of all my claims through Cadence's ordeal. I can't recommend them enough to anyone who is looking to have insurance for their pet."

How Much Does Pet Insurance Cost in New Jersey?

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors. 

Below are a few estimates to give you a better idea of what pet insurance might cost in New Jersey.

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

Estimates based on quotes by Embrace Pet Insurance

What All is Covered by Pet Insurance in New Jersey?

Embrace’s comprehensive pet insurance covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Details of our coverage can be found here.

  • Illnesses

  • Chronic Conditions

  • Dental Accidents and Illnesses

  • Consultations & Tests

  • Accidents & Injuries

  • Procedures & Treatments

  • Follow-Up Care

  • & So Much More

What’s Not Covered?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom- and treatment-free for 12 months. 

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.   

For routine and preventative care, we offer a flexible Wellness Rewards plan, which is the purrfect complement to your insurance policy. 

How Does Pet Insurance Work in New Jersey?

We make the claims process so easy your pet could practically do it. Get an itemized invoice and the diagnosis from your vet and take a picture to submit. That's all you need when you submit your claim via your MyEmbrace customer account – because who has time to print and fax or snail mail? Voila. You’re done!  

We even offer direct deposit so you can get reimbursed quicker.