Best Pet Insurance in New Hampshire (2022 Guide) – MarketWatch

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In this article: Top Pet Insurance Companies | Types of Pet Insurance | How to Choose | Conclusion | FAQs | Methodology
If you’re a proud pet owner in the Granite State, you know the importance of keeping your loyal companion healthy. Pet insurance covers pets when unexpected accidents or illnesses arise and allows pet parents to recoup the associated veterinary care expenses.
We at the Home Media reviews team researched and analyzed dozens of pet insurance providers from Nashua to Berlin, evaluating them on factors such as coverage options, deductibles and annual limits. Use our guide to the top providers in New Hampshire to choose the best pet insurance for your pet and your budget.
Below are our top choices for the best pet insurance companies in New Hampshire, based on our research:
 
Highlights:
Coverage: Lemonade is our top pick for its affordable policies. This provider has one accident-and-illness plan covering veterinary costs such as diagnostics, hospitalization, surgery, emergency care, cancer treatments, prescription medications and more. It does not cover elective procedures, dental care, behavioral treatments, preexisting conditions or ailments that arise before the waiting period is over (two days for accidents and 14 days for illnesses). 
Add-ons: Lemonade offers preventive and wellness care add-ons to supplement its standard plan. Its comprehensive wellness add-on is available at two levels: Preventative and Preventative+. Both plans cover annual wellness exams, up to three vaccines per year, fecal or internal parasite tests, heartworm screenings and blood tests. Preventative+ adds a routine dental cleaning and medication for flea, tick and heartworm prevention.
You can also extend your basic coverage with an add-on for physical therapy, dental illness, end-of-life care and vet visits for a nominal monthly fee.
Cost: Below are average premium prices for a pet insurance plan from Lemonade for 4-year-old, mixed-breed dogs and cats in Concord, N.H., with various reimbursement rates, annual deductibles and coverage limits

Note: Lemonade is currently involved in a class-action lawsuit citing a violation of customers’ privacy when submitting a video with an insurance claim. We still recommend Lemonade as a dependable pet insurance provider with competitive prices, an effective quote process and a charitable giveback program. Learn more about Lemonade pet insurance in our review below.
Get a quote: Use Lemonade’s online tool to get a free quote for your furry family member.
To learn more: Lemonade pet insurance review
 
Highlights:
Coverage: Spot offers both an accident-only and accident-and-illness plan. The accident-only plan covers your pet for injuries, broken bones, swallowed objects and toxic ingestions. The accident-and-illness plan adds protection for conditions such as cancer, diabetes, infections, hip dysplasia, heart disease and more.
Spot is our pick for the provider with the most customizable plans. Pet owners can choose between seven coverage limits, five deductibles and three reimbursement levels. Spot also covers exam fees and microchipping, services not usually covered in standard plans from other providers.
Add-ons: Spot offers two wellness add-ons for preventive care — Gold and Platinum. Gold level reimburses up to $250 for services, including rabies vaccinations, dental cleanings and wellness exams. Platinum level reimburses up to $450, covering everything from the Gold level, plus flea and heartworm prevention, urinalysis and a blood test.
Cost: Below are the average monthly premiums for a plan from Spot for 4-year-old, mixed-breed dogs and cats in Concord, N.H., with different reimbursement rates, deductibles and coverage limits:
Get a quote: Get a customized, free pet insurance quote by visiting Spot’s website.
To learn more: Spot pet insurance review
 
Highlights:
Coverage: With Trupanion, there is one accident-and-illness plan that reimburses 90% of all covered vet expenses, including the following:
Trupanion has no annual payout cap and allows customers to choose their deductible (anywhere between $0 and $1,000 in five-dollar increments). Unlike the other providers on this list, Trupanion’s deductibles are per-condition, not annual. For example, if your pet is diagnosed with allergies and needs medication for life, you only pay a deductible on that condition once.
Add-ons: There are three add-ons available for an additional monthly fee. The Recovery and Complementary Care package covers 90% of the costs for alternative treatments, including acupuncture, behavior modification, chiropractic care, physical therapy, homeopathy and rehabilitative therapy.
The Pet Owners Assistance package supports pet parents by offering advertising and reward money for a lost pet, cremation or burial cost coverage in the case of your pet’s accidental death and pet boarding cost coverage if you are hospitalized.
Finally, a unique feature of Trupanion is its breeding add-on, which covers illnesses, injuries and emergencies connected to breeding, whelping (birth for dogs) and queening (birth for cats).
Cost: To give you an idea of the monthly premiums with Trupanion, we averaged quotes for 4-year-old, mixed-breed dogs and cats in Concord, N.H., with varying deductible rates:
Get a quote: Get a free Trupanion insurance quote for your faithful companion.
 
Highlights:
Coverage: Fetch offers one accident-and-illness policy, which covers several treatments not typically included in other companies’ base plans, such as behavioral therapy, breed-specific conditions, comprehensive dental care and alternative therapies. In addition, pet owners have the flexibility to customize their policy with three payout options, three deductible options and three reimbursement rates. While Fetch will cover any sick vet visits, it does not offer routine or wellness care add-ons.
Cost: After gathering multiple quotes from Fetch, we found that premiums for older pets tended to be higher than those of its competitors, so Fetch may not be the best fit if you are looking for coverage for a senior pet.
Here are some monthly premium averages from Fetch based on 4-year-old, mixed-breed dogs and cats in Concord, N.H., with different reimbursement rates, annual deductibles and coverage limits: 
Get a quote: “Fetch” a free pet insurance quote by visiting Fetch’s website.
To learn more: Fetch by the Dodo pet insurance review
 
Highlights:
Coverage: Embrace’s single accident-and-illness policy covers services including diagnostic testing such as X-rays and MRIs, medications, exam fees, surgical procedures and emergency care. It also covers treatments for cancer, dental illness up to $1,000 per year, orthopedic and genetic conditions.
Preexisting conditions are not covered, but Embrace distinguishes between curable and incurable preexisting conditions. If your dog suffers from an illness before enrollment, once they are symptom- and treatment-free for that particular illness for 12 months, Embrace will cover that condition in the future.
Add-ons: Pet owners can add a Wellness Reward plan offered at three reimbursement levels ($250, $450 or $650). Wellness Rewards will cover 100% (up to your chosen reimbursement level) of routine care procedures, such as wellness exams, vaccinations, flea, tick and heartworm prevention, grooming, microchipping and more. 
Cost: The following averages from Embrace are based on quotes for 4-year-old, mixed-breed dogs and cats in Concord, N.H., changing up deductibles, reimbursement levels and coverage limits: 
Note: If you want to insure a senior pet 15 years or older with Embrace, you will only be eligible for an accident-only policy.
Get a quote: Get a free pet health insurance quote by filling out Embrace’s online form.
To learn more: Embrace pet insurance review
 
Highlights:
Coverage: There is one standard accident-and-illness policy available from Healthy Paws. It covers treatments and services related to both of those unexpected circumstances. The policy covers congenital, chronic and hereditary conditions plus holistic treatments, including chiropractic care, physical therapy, acupuncture, hydrotherapy and more.
While Healthy Paws only offers two levels of reimbursement — 70% or 80% — and two deductible options — $250 or $500 — its plan provides unlimited annual coverage, so you will never pay more than your copay and deductible. Note that if your pet is 6 years of age or older, deductibles increase, and reimbursement rates decrease. Contrary to other providers, there is no routine or wellness add-on available.
Cost: Below are examples of monthly pet insurance costs from Healthy Paws based on sample quotes for 4-year-old, mixed-breed dogs and cats in Concord, N.H., using different deductible options and reimbursement rates:
Note: If your pet is 6 years old or younger, an exam from a licensed veterinarian will be required for your pet’s plan to take effect. The exam must have occurred within the 12 months before your Healthy Paws policy enrollment. If your pet has not had an exam within that time, then pet owners must provide the results of a vet exam within 15 days of enrolling in your policy for it to take effect.
Get a quote: Help an animal in need while retrieving your free pet insurance quote from Healthy Paws.
To learn more: Healthy Paws pet insurance review
 
Highlights:
Coverage: Figo has three plans covering accidents and illnesses, each with a different coverage limit. The Essential plan has a $5,000 annual cap, the Preferred plan has a $10,000 annual cap, and the Ultimate plan provides unlimited coverage. All three plans cover surgery, hospitalization, diagnostics, medications, emergency care, rehabilitation and more. Chronic, congenital, hereditary and orthopedic conditions are also covered.
Pet parents can select their reimbursement rate from options of 70%, 80%, 90% or 100% and their deductible from choices of $100, $250, $500 or $750. Note that deductible choices are dependent on your pet’s age, with lower deductibles not available for older pets.
Add-ons: Figo has four add-on options to supplement your standard policy, including basic and premium wellness packages. Both offer the same protection but have different coverage limits: $135 for the Basic plan and $250 for the Plus plan. Covered services include blood work, microchipping, vaccinations, flea/heartworm prevention, spay/neuter surgery and more.
The Extra Care pack offers support outside the vet’s office. Coverage includes advertising and reward costs for a lost pet, vacation cancellation fees if there is a pet emergency and cremation and burial costs. Finally, there is a veterinary exam fee benefit that covers fees related to diagnosing or treating your pet for a covered accident or illness. Note that this benefit does not cover preventive or routine care visits. 
Cost: Using Figo’s online quote tool, we gathered average pet insurance premiums based on 4-year-old, mixed-breed dogs and cats in Concord, N.H., with varying deductibles, reimbursement levels and annual coverage limit options:

Get a quote: Fill out Figo’s online form to get a pet insurance quote today.
 
There are two primary types of pet insurance coverage — accident-and-illness and accident-only. Some providers also offer preventive or wellness care add-ons. Here are a few helpful details about each of these plans:
When retrieving a free pet insurance quote, three standard components affect your monthly premium: annual coverage limit, reimbursement rate and deductible. Your annual coverage limit is the total amount an insurance provider will reimburse you in one year. Your reimbursement rate is the percentage of your veterinary bill the provider will cover (e.g., with an 80% reimbursement rate for a $200 vet bill, you’ll be reimbursed $160). Finally, your deductible is the amount you must pay out-of-pocket before reimbursement takes effect. Deductibles are often annual but can also occur per condition or per incident.
Deciding on a dog or cat insurance provider can be overwhelming. Before you officially enroll your pet, consider the following factors for each provider:
From Nashua to Manchester, a pet insurance policy brings New Hampshire pet owners peace of mind that they won’t need to choose between their finances and their beloved pet’s health. Before enrolling in a policy, consider the factors that are most important to you. If you’re seeking affordable accident-and-illness coverage, we suggest Lemonade. If you are more attracted to a highly customizable plan, Spot is a good option to consider.
Pricing and coverage vary from provider to provider, so we recommend obtaining at least three pet insurance quotes to guarantee you choose the best pet insurance company for you and your furry family member.
We compared some of the top pet insurance providers in New Hampshire based on price, waiting periods and discounts:
Provider
Get a Quote
Our Score
Monthly Cost*
Waiting Periods
Multi-pet Discount
Mobile App
Lemonade
Visit Lemonade
90.5
$25.33
2 days for accidents; 14 days for illnesses
10%
✔
Spot
Visit Spot
89
$48.69
14 days for all conditions
10%
✔
Trupanion
Visit Trupanion
78.5
$78.26
5 days for accidents; 30 days for illnesses
None
✔
Fetch
Visit Fetch
89.5
$46.58
15 days for all conditions
None
✔
Embrace
Visit Embrace
90.5
$38.00
2 days for accidents; 14 days for illnesses
10%
✔
Healthy Paws
Visit Healthy Paws
84
$50.44
15 days for accidents and illnesses
None
✔
Figo
Visit Figo
90
$31.52
Varies by ZIP code
5–10%
✔
*Each provider’s monthly cost is based on accident-and-illness policy quotes we obtained for 4-year-old, medium-sized, mixed-breed dogs in Concord, N.H.
The primary benefit of pet insurance is the peace of mind it brings to pet parents. When it comes to your pet’s emergencies, accidents and illnesses, pet insurance ensures you can get quality care for your beloved pet at a fraction of the typical cost. Further, when you consider the potential out-of-pocket costs for the most common pet conditions, they far exceed the annual costs of pet insurance, making it a worthwhile investment.
Spaying or neutering is not typically covered by basic pet insurance plans. Spay/neuter surgery is viewed as wellness care, so pet insurance companies will only cover this surgery via a wellness or preventive care add-on. Add-ons incur an extra monthly fee, but they are worth it if routine care coverage is important to you and your pet.
Monthly premiums for pet insurance can range from just $15 to over $100 per month, depending on factors such as your location and your pet’s age and breed. On average, you should expect to pay $30–$50 per month for dog insurance and $15–$30 per month for cat insurance.
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted:
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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