New Jersey Pet Insurance Guide

Keep your best friend covered in the Garden State.

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New Jersey pet parents: Whether you’ve got a Jack Russell in Jersey City, or a Norwegian Forest Cat in Newark, you’ve come to the right place. We’ll take you through the hidden gems and insider tips of being a New Jersey pet parent, and while we’re at it, we’ll go through the ins-and-outs of pet insurance so you can keep your furry companion (and your wallet) covered.

GET YOUR PET COVERED

What is pet insurance

Pet insurance assists in covering the costs of your vet bills. You pay a premium each month to the insurance company, and in return, you can care for your canine or feline fur fam without having to worry about how much it will cost.

With Lemonade pet insurance, there are numerous ways to customize your policy with our coverage options:

To begin with, a base Lemonade pet health insurance policy will assist in covering the costs of medication, tests, and treatments if your cat or dog has an unexpected accident or illness.

A base policy is excellent for the unexpected things in your fur fam’s future. Still, Lemonade also offers preventative care packages, which are designed to keep your pet healthy and help cover expenses you’re probably paying for anyway. By adding this package to a Lemonade policy, you’ll also get access to a live medical chat option and will get covered for all kinds of things—like your annual blood tests, vaccinations, wellness exam, and more. There may be some applicable exclusions.

Lemonade offers a Preventative, Preventative+, and a Puppy/Kitten Preventative package. Depending on your pet’s age, this package covers things like spaying/neutering, vaccinations, microchipping, and flea and tick treatments.

You can also customize your Lemonade policy with a mix and match of optional add-ons like: physical therapy, vet visit fees, dental illness, behavioral conditions, and end-of-life and remembrance—to help take the bite out of pricey treatments, services, and trips to the vet.

new jersey pet insurance

Here’s an example of how a Lemonade pet insurance policy works:

  1. Buy a policy. You answer a few quick questions about your German Shepherd, Domino, and build your pet’s policy with the help of our friendly AI chatbot. The monthly premium you pay is determined by various factors, primarily things that you can customize, like your annual deductible, co-insurance, coverage package, and the annual limit on your plan. (If you would like, you can take a deeper dive into how pet insurance works to help you create your perfect policy.) Pet insurance coverage with Lemonade can cost as low as $10/month. Here’s a handy breakdown of the whole (simple) process.
  2. Go to the vet. You rush Domino to the vet after he broke his leg from playing too rough at the dog park. The exam, x-ray, and cast cost you $1,000. Woof. But since you have pet insurance, you don’t have to worry about the total amount. Find out what we cover here.
  3. Get your money back. Domino is safely on the mend, and you get up to a $900 reimbursement back in your pocket from Lemonade!

It’s worth noting that as your dog ages, they will require more veterinary care and treatments, which is why it pays to take out a pet insurance policy for your dog as early as possible. If you try to sign your 13-year-old dog up for insurance for the first time, they might be declined due to their age; either way, they’re more likely to have pre-existing conditions that won’t be covered by insurance. But if you get your new puppy a Lemonade policy right away, you’ll be able to continue renewing their policy as they age.

Apply now to get your free pet insurance quote.

Protect your pet from New Jersey threats 

The Garden State’s nickname is not misplaced. New Jersey in general offers a gentle, welcoming environment for your four legged family members to enjoy, but to maintain your pet’s health care should be taken to ensure they don’t run into trouble unnecessarily. For that reason, it’s a good idea to be aware of some of the natural threats they can face. 

Water 

Some 15 percent of New Jersey’s 8,723 square miles are water, as the state boasts more than 800 lakes and ponds, and more than 100 rivers and creeks, in addition to 127 miles of Atlantic coastline. All that water offers plenty of opportunities for fun, and dogs love to splash around in rivers, lakes or the sea on a hot day. But water comes with dangers too, so be sure to keep a close watch on your dog when swimming. 

Just as with children, water safety begins at a young age. When socializing your puppy, introduce them to water and help them learn to safely swim. PetMD recommends choosing a quiet, shallow spot, gently encouraging them into the water, and lifting their hind legs when they start to paddle with the front, to show them how to float. 

At the beach and in rivers, watch out for strong flowing currents and rip tides, which can carry away even the strongest swimmers. If you’re near fast-flowing water and have a dog who loves to swim, make sure to keep him on a leash. 

If heading to the beach, take fresh water for your dog to drink as sea water can make him sick. Also discourage him from eating any dead fish or wildlife he might find washed up on shore. 

In the warm summer months be on the lookout for blue green algae, which is poisonous to pets. Most commonly found in ponds and lakes, the ASPCA advises that it can also be present in the ocean, in backyard fountains, and even on damp rocks. Tell-tale signs of poisoning include diarrhea, vomiting, panting, excessive drooling, disorientation and seizures. If you see any of these signs, seek emergency care immediately as your pet may require hospitalization to deal with the toxin. 

Finally, to maintain healthy paws, fur and skin, rinse your dog off after playing in water, paying particular attention to muddy areas such as between the toes. Towel dry them thoroughly and ensure their ears especially are dry, to prevent infection. 

Safety first

Ticks 

New Jersey’s 11 state woodlands and 28 state parks offer plenty of scope to roam, but when you do, make sure to be on the lookout for ticks. These nasty critters are not only unpleasant when they bite, but can carry diseases such as Lyme disease, Anaplasmosis, and Babesiosis which can require emergency care in dogs, cats and humans alike. 

According to New Jersey’s Department of Environmental Protection, the ticks most commonly found in the state are American dog ticks, Lonestar ticks and Black-legged ‘Deer’ ticks. 

A newcomer to the state is the Asian longhorned tick, a known carrier of Rickettsia rickettsia which causes Rocky Mountain spotted fever. The Department has asked people who find this tick to capture it, place it in a ziplock bag with some moistened paper towel and refrigerate it until it can be handed over to the department for studying. 

Ticks can be found all year round, but are most active in the warmer, wetter months of September and October, so be sure to check your pets regularly, particularly between toes, under tails, behind their elbows, on the inside of the back legs and around the ears and eyes. 

If you do find a tick, remove it by grasping it tightly with tweezers as close to the skin as possible and slowly pulling straight up. Do not twist or jerk it, as that may cause the mouth parts to detach and be left behind in the skin. After removing, clean the area carefully with soap and hot water. 

Top New Jersey dog parks

Energetic pup? Let them run wild in one of New Jersey’s many off-leash dog parks. Just make sure your pup is up-to-date on their vaccinations and spayed or neutered before you let them cut loose.

South Mountain Dog Park, Maplewood. Situated in the South Mountain reservation, this dog park is surrounded by trees and set away from the road, making it a welcoming place to let your dog roam. There’s separate areas for large and small dogs, with both featuring obstacles, trees and rocks for your dog to explore and play. Waste bags are available onsite. 

Wildwood Dog Park and Beach, Wildwood. Everyone loves to enjoy a trip to the seaside in the warm summer sun, and your pooch is no different. The dog park features a sandy play area with obstacles, a water fountain and tables to picnic at. And when you’re done playing, you can all cool off in the sea.  

Freedom Barks Dog Park, Medford. If you’re looking for a community of dog lovers to share your play time with, look no further than Freedom Barks. This 26 acre park has been rated one of the top ten in the country by USA today, and with wooded trails to explore, a creek to swim in and open fields to romp about, it’s easy to see why. 

Timber Creek Dog Park, Blackwood. Set within the 128 acres of Timber Creek, this dog park offers nine acres for your dog to let off steam. Woodland trails within the fenced-off park allow you to exercise with your dog off-leash, while sandy areas are great for dogs that love digging. When you want to cool off, there’s a creek to jump in. There’s also a separate area for small or nervous dogs to play in peace. 

Wantage Dog Park, Wantage. The rolling hills of the Sussex County landscape surely make this eight acre dog park one of the most picturesque in New Jersey. Benches and gazebos offer a quiet place to sit as your dog sets about exploring the agility course, wading creek and varied terrain. There are separate areas for small, medium and large dogs, and the park is entirely maintained by donations, so don’t forget to leave a tip if you love the space!

Support New Jersey-based pet businesses

Support small New Jersey businesses while keeping your best friend totally pampered! 

The Hungry Puppy, Farmingdale. Stop off for the wide range of food and products in store; stay for the dog park, dog training events, doggy birthday parties and social events. You can even book an appointment with their pet consultants, who will help you meet all your pet’s needs. 

K9 Confections, Asbury Park. For pets with allergies or sensitive stomachs, it can be hard to find treats that go down easily. K9 Confections hand-make and bake all their dog and cat treats daily using only fresh, natural ingredients, with no added salt, sugar, artificial flavorings or preservatives, and all are wheat, corn and soy free. They even make birthday cakes for the special pet in your life. 

Morris Animal Inn, Morristown. A firm favorite with New Jersey pet owners since they launched in 1960, Morris Animal Inn offers luxury dog and cat boarding, with natural lighting, music played throughout the day, a custom activities package, and maid service. Dog grooming and training, and doggy day care are also on offer, and they’ve just opened up two new locations, in Montville and Warren.  

Bundle of Paws Photography, Robbinsville. Your pet is special to you, and what better way to celebrate the life of your furry family member than with a professional photo shoot? Inspired by his own dog Maddie, photographer Tom Myers creates beautiful custom images of your pet that you’ll treasure for years to come.  

Holistic Pet Care, Little Falls. We all want our pets to live happy, healthy lives. The vets at Holistic Pet Care combine standard veterinary medicine with allopathic treatments such as acupuncture, chiropractic treatment, dietary consultation, natural remedies and homoeopathy to ensure your pet is feeling his or her best at all stages of life. 

Before we go… 

Isn’t being a pet parent just the best? The companionship, the kisses, the laughter! Pets really add so much to our lives. The love that New Jersey pet parents have for their furry companions is real.  We love our pets, but sometimes those vet bills can take a real bite out of our wallets, which is why more and more pet parents are choosing to get covered with pet insurance. Learn more about how much pet insurance costs, and whether or not pet insurance is worth it for you.

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Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.