Living with a pet is one of the most beautiful things on earth, but it also entails a lot of responsibility. As a pet owner, it’s your duty to ensure their safety, health, and happiness. But, you cannot predict accidents, illnesses, or injuries. It’s wise to prepare for the worst-case scenario by purchasing pet insurance. In this article, we will discuss the best pet insurance in NJ that can financially support you in case of an emergency.
Why is Pet Insurance Necessary?
Pet insurance is necessary for several reasons. First, pet insurance can save you from exorbitant medical bills. A single surgery or emergency vet visit can cost thousands of dollars. Hence, if you don’t have pet insurance, then you have to pay out of your pocket. Second, pet insurance can ensure that your pet receives the best care possible. Third, it can prevent financial uncertainty and ensure peace of mind.
How Does Pet Insurance Work?
Pet insurance works like any other insurance. You pay a monthly premium, and in return, the insurance company covers your pet’s medical expenses. You can choose from different types of coverage like accidents, illnesses, and wellness exams. However, keep in mind that every insurance policy has its own exclusions, limitations, and deductibles. You should read the policy documents carefully and choose the one that suits you and your pet.
Best Pet Insurance in NJ
Now, let’s discuss the best pet insurance in NJ based on their coverage, reputation, customer service, and affordability.
Insurance Company |
Accident Coverage |
Illness Coverage |
Wellness Coverage |
Deductible |
Monthly Premium |
|---|---|---|---|---|---|
Petplan |
Up to 100% |
Up to 100% |
Optional |
$250 – $1,000 |
$29 – $321 |
Healthy Paws |
Up to 90% |
Up to 90% |
Not Available |
$100 – $500 |
$20 – $60 |
Embrace |
Up to 90% |
Up to 90% |
Optional |
$200 – $1,000 |
$13 – $101 |
Figo |
Up to 100% |
Up to 100% |
Optional |
$50 – $500 |
$22 – $72 |
Nationwide |
Up to 90% |
Up to 90% |
Optional |
$100 – $1,000 |
$35 – $60 |
Petplan
Petplan is one of the best pet insurance in NJ due to its comprehensive coverage, fast processing, and excellent customer service. They cover up to 100% of your pet’s medical expenses, including accidents, illnesses, and hereditary conditions. Petplan has no upper age limit, and you can choose your own deductible and reimbursement percentage. However, their premiums can be expensive, ranging from $29 to $321 per month.
Healthy Paws
Healthy Paws is another top-rated pet insurance in NJ due to its straightforward policies, competitive pricing, and efficient claims processing. They cover up to 90% of your pet’s medical expenses, including accidents and illnesses. However, they do not cover wellness exams, and you cannot choose your own deductible. Their premiums are affordable, ranging from $20 to $60 per month.
Embrace
Embrace is a pet insurance that offers customizable coverage and affordable premiums. They cover up to 90% of your pet’s medical expenses, including accidents, illnesses, and optional wellness exams. They also offer additional coverage for dental, prescription drugs, and alternative therapies. You can choose your own deductible, reimbursement percentage, and annual limits. Embrace premiums range from $13 to $101 per month.
Figo
Figo is a pet insurance that offers tech-savvy solutions, comprehensive coverage, and flexible deductibles. They cover up to 100% of your pet’s medical expenses for accidents, illnesses, and optional wellness exams. They also offer additional coverage for dental, prescription drugs, and alternative therapies. Figo has an easy-to-use mobile app that allows you to submit claims, access virtual vet consultations, and track your pet’s health. You can choose your own deductible, reimbursement percentage, and annual limits. Figo premiums range from $22 to $72 per month.
Nationwide
Nationwide is a pet insurance that offers a wide range of coverage, including accidents, illnesses, wellness, and hereditary conditions. They cover up to 90% of your pet’s medical expenses and offer a choice of deductibles, annual limits, and reimbursement percentages. They also offer additional coverage for dental, prescription drugs, and alternative therapies. Nationwide has a 24/7 vet helpline and a mobile app that allows you to file claims, schedule appointments, and access pet health tips. Nationwide premiums range from $35 to $60 per month.
Pet Insurance FAQs
What does pet insurance cover?
Pet insurance covers various medical expenses, including accidents, illnesses, surgeries, medications, and hospitalizations. Some policies also cover routine wellness exams, vaccinations, and teeth cleaning. However, every insurance policy has its own exclusions, limitations, and deductibles. You should read the policy documents carefully and choose the one that suits you and your pet.
How much does pet insurance cost?
The cost of pet insurance depends on several factors, such as your pet’s age, breed, and health status, the coverage level you choose, the deductible you select, and the reimbursement percentage you want. The premiums can range from $10 to $100 per month. However, keep in mind that the cheapest policy may not be the best policy for your pet’s needs.
When should I get pet insurance?
You should get pet insurance as early as possible, preferably when your pet is still young and healthy. This way, you can avoid pre-existing conditions, which may not be covered by the policy. However, even if your pet has a pre-existing condition, it’s still worthwhile to get pet insurance. Some policies may cover pre-existing conditions after a waiting period or exclusion period.
How do I choose the best pet insurance?
To choose the best pet insurance, you should consider the coverage, reputation, customer service, and affordability of the insurance company. You should read online reviews, compare quotes, and ask for recommendations from your vet or other pet owners. You should also read the policy documents carefully and understand the exclusions, limitations, and deductibles. Ultimately, you should choose a policy that meets your pet’s needs and your budget.
Is pet insurance worth it?
Yes, pet insurance is worth it if you want to protect your pet’s health and your finances. Pet insurance can cover unexpected medical expenses, ensure that your pet receives the best care possible, and prevent financial uncertainty. Pet insurance also gives you peace of mind, knowing that you can afford to take care of your pet in case of an emergency.
Conclusion
Purchasing the best pet insurance in NJ can save you from unexpected medical bills, ensure that your pet receives the best care possible, and prevent financial uncertainty. You should consider the coverage, reputation, customer service, and affordability of different pet insurance companies before making a decision. Choose the policy that meets your pet’s needs and your budget. With pet insurance, you can enjoy the companionship of your furry friend without worrying about their health or your finances.