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In a busy state like New Jersey, your pet is sure to always be on the go with you. With pet insurance, you can keep your furry friend in great shape and maintain its health with little concern about medical bills. Pet insurance, like any other insurance, helps to ensure protection against unforeseen situations. If your pet has an unexpected injury or falls ill, pet insurance will come through for you and provide coverage.
If you are in the beginning stages of your research, you may not know what plan is most suitable for your situation. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality so it can be easier for you to choose an insurance policy.
ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.
Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.
Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.
Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.
Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.
Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.
Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.
With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.
Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.
If you reside in New Jersey, then pet insurance can be a worthwhile investment. Considering the living costs in the state are quite high, an average number of pet owners would find it difficult to pay for a $3000 medical bill. Nor will they be able to cover a sudden $400 veterinary fee. This makes pet insurance a profitable long-term decision for your pet and for your own financial circumstances.
Additionally, pet insurance is designed to provide coverage for emergencies and sudden pet health issues, based on the pet insurance plan you subscribe for. By paying a monthly insurance premium, you can also access wellness care for your pet so it can go for regular check-ups at the veterinary clinic. By taking these preventative measures, you can ensure your pet will lead a longer and healthier life.
The following are the four main types of pet insurance plans available in New Jersey:
The following are most commonly covered under pet insurance policies:
The following is a list of exclusions you should be aware of when looking at pet insurance policies:
The cost of pet insurance may vary based on type of pet, species, location, and age. Here is an estimated monthly cost with a high deductible and high reimbursement rate:
|Type of Pet||Cost|
|Golden Retriever (Adult, 5 Years)||$43-$112|
|Golden Retriever (Puppy, 6 Months)||$32-$82|
|Chihuahua (Adult, 5 Years)||$23 – $69|
|Chihuahua (Puppy, 6 Months)||$18 – $57|
|Domestic Cat (Adult, 5 Years)||$17 – $41|
|Domestic Cat (Kitten, 6 Months)||$14 – $35|
The cost for veterinary procedures in New Jersey are roughly within the following range:
|1-2 days of pet hospitalization||$875-$2000|
|3-5 days of pet hospitalization||$2,188-$4060|
|Diagnostic bloodwork panel||$100-$250|
|Treating/repairing a wound||$1,125-$2800|
|Breathing issues (ie. asthma)||$1,125-$3450|
|1-2 days of pet hospitalization||$750-$1,875|
|3-5 days of pet hospitalization||$1,875-$3,750|
|Diagnostic bloodwork panel||$100-$250|
|Treating/repairing a wound||$1,000-$1,875|
|Breathing issues (ie. asthma)||$625-$3,125|
These prices are a 25% adjustment increase in comparison to the estimated cost for pet insurance in the USA. This is due to the fact that New Jersey has an average 25% higher standard of living cost in comparison to other states.
After reviewing our guide, it may be a bit easier to select a pet insurance plan in New Jersey. However, before you make your final decision, keep the following key factors in mind: