Pets Best Pet Insurance New Jersey Review

From Pet Insurance Wiki · last updated 14 Oct 2026 from public rate filings

Part of the Pets Best review · Pet insurance in New Jersey

Pets Best inNJNew JerseyChange state
This page is a draft: we have not read Pets Best's New Jersey rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.

Pets Best is administered by Pets Best Insurance Services, LLC and underwritten in New Jersey by Independence American Insurance Company.

Coverage

The New Jersey sample booklet (IAIC-PB10001-ILL) has waiting periods of 3 days for injuries, 14 days for illness and 6 months for cruciate ligament injuries. From 1 January 2027 New Jersey bans accident waiting periods and caps orthopedic waits at 30 days, so this form has to change for policies issued from then on. Raising the annual limit or adding a rider ends the policy and starts a new one, with new waiting periods and a new pre-existing check. The state regulator lists Pets Best under both Independence American and American Pet Insurance Company (Trupanion's insurer). No New Jersey rate filing has been read.

Scores in New Jersey

Without rate pages there is no lifetime cost, so Pets Best is not ranked in New Jersey. Scales with data:

A. Lifetime costno data
B. Age curveno data
C. Generosity (loss ratio)no data
D. Rate increasesno data
E. Price structureno data
F. Customer treatmentno data
Coverage (separate)no data

Price by age

Rate pages for Pets Best in New Jersey are not public or not yet read, so there is no price by age.

Rate filings

No filings recorded yet.

References

  1. 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology

History

  1. Stated that Florida approved the 2026 rates on 3 September 2026, a day after their 2 September effective date; put the 2023 amendment's deadlines in the past tense; clarified the source of the $51.4 million: it is APIC's 2024 California earned premium for Pets Best in filing 25-2461, where CDI 24-2140 is listed as that program's latest filing
  2. Added BBB and Trustpilot ratings checked on 13 October 2026
  3. Corrected after review: the 2026 Florida increase is now given as +24.4% for accident-and-illness coverage (+20.2% overall) against indications of +60.5% and +51.6%; added the first-year vet-exam discount; corrected the age-cap description, the legacy age table, the 2023 agreement amendment and the California filings
  4. Rewritten from the approved versions of filings 26-026451 and 26-022783: final 2026 increase, closed legacy block, Florida policy terms, open questions
  5. Draft page from filing IAIC 26-026451