Best Pet Insurance in New Hampshire: Top Companies & Plans (2023 Review)

by | 11/01/2022

The Granite State is a welcoming place to our furry friends. Filled with beautiful sights, extensive granite formations, rivers, mountains, and so much more, New Hampshire is a stunning state for pets and their owners to live in or visit. Because of this, it’s always wise to ensure that your pet is protected in case it has an accident while you’re out and about. Furthermore, dogs and cats can develop illnesses at any age, even when they’re young and healthy. Having a pet health insurance plan in place allows you to rest easy, knowing that your pet will be able to get the veterinary care it needs if it has an accident or gets sick. 

To find out more about the best pet insurance in New Hampshire, keep reading. In this article, we’ll also cover the following New Hampshire pet insurance providers:


Best New Hampshire Pet Insurance Companies & Plans

Provider Visit Site Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating
Spot Site Link 14 days* Yes No age limit A
Lemonade Site Link 14 days for illnesses*, 48 hours for accidents  No 14 years old F
Embrace Site Link 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+
Healthy Paws Site Link 15 days* Yes 14 years old A-
ASPCA Site Link 15 days*  Yes No age limit N/A

*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting periods, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above.  

Pet Insurance Companies in New Hampshire Reviews

Every pet insurance provider has its pros and cons, making it vital that you know what a pet insurance provider may lack before you sign your furry friend up for a pet insurance policy. To help you out, our team at 365 Pet Insurance has compiled the following in-depth breakdowns of different pet insurance companies in New Hampshire. In fact, you’ll learn about plans, average costs, annual limits, customer service, and much more about pet insurance companies in New Hampshire. 

Spot Pet Insurance

Spot pet insurance was founded in 2019 and is underwritten by the Crum & Forster Pet Insurance Group. Spot is one of our favorite pet insurance providers due to its many preventive care packages, competitive pricing, and unlimited annual limit options. We love that Spot pet insurance has a strong focus on wellness plans, allowing pet parents to provide their pets with excellent preventative care to help reduce future health issues. It’s also a partner of Cesar Millan, the famous dog trainer, and this gives Spot a heavy emphasis on coverage for behavioral health issues. It even provides free online education for pet parents and an excellent user-friendly mobile app that allows pet owners to submit and track claims through their phones. 

Spot offers many plans, including an accident-only plan, accident and illness plan, and several wellness plan options. Spot’s accident-only plan starts at $10 per month and covers accidents, such as broken bones, animal bites, lacerations, and more. In contrast, Spot’s accident and illness plan is more comprehensive and will cover accidents and hereditary conditions, exam fees, diagnostic testing, and cancer treatments. 

We love that its accident and illness plan offers thorough coverage for dental diseases and behavioral issues, two standard pet insurance exclusions. Its accident and illness plans start at $16 per month, but most plans for dogs will cost around $40 per month and $22 per month for cats. These plans don’t include exotic animals, pre-existing conditions, breeding costs, and cosmetic procedures. Spot’s wellness plans come in two tiers, which cost either $9.95 or $24.95. These plans will help with routine veterinary care, such as checkups, vaccinations, and deworming. 


  • No age restrictions
  • Multiple wellness plan options
  • 30-day money-back guarantee
  • Several wellness plan options


  • Exotic animals are not covered
  • No prescription pet food coverage

Lemonade Pet Insurance

Lemonade is a New York City-based pet insurance provider with more affordable pricing and an entirely online interface. It currently provides coverage for cats and dogs and will not cover exotic animals. If you’re looking to bundle your insurance, Lemonade offers renters, life, home, and auto insurance, and it’ll give you 10% off your pet insurance if you have its home insurance. We like that Lemonade has a faster claim process than most providers because of its exclusive mobile app, which allows you to submit and track your claims. Due to its use of artificial intelligence, Lemonade can process your claim in minutes, rather than you having to wait days or weeks for reimbursement. 

Lemonade offers a comprehensive accident and illness pet insurance plan, which helps with the costs of diagnostic testing, emergency healthcare, hospitalization, surgeries, prescription medications, and much more. Its plans start at $10 per month but average $37 per month for dogs and $15 for cats. Lemonade’s accident and illness plans will not cover pre-existing conditions, dental diseases, cosmetic procedures, and behavioral treatments. If you’re interested in wellness plans, Lemonade does offer a basic preventative package starting at an additional $10 per month, a kitten/puppy preventative package at $34 per month, and other add-ons for vet visit fees and physical therapy. 

Overall, we like that Lemonade has great discounts and a fast claim process. However, we don’t like that it doesn’t have coverage for dental diseases or behavioral treatments. It also lacks an accident-only plan. 


  • Insurance coverage for exam fees and physical therapy
  • 5% multi-pet discount, 10% discount if you have homeowners insurance through Lemonade
  • Offers mobile app for checking policies and submitting claims
  • Completely online interface


  • Six-month waiting period for cruciate ligament events
  • Newer to the pet insurance market

ASPCA Pet Insurance

ASPCA pet insurance is a partner of the American Society for the Prevention of Cruelty to Animals, which gives it substantial respect among many pet parents. We love that ASPCA has personalized deductibles and various pet insurance plan choices. It also has a great user-friendly member center app where you can submit and track your claims, review your policy benefits, pay your bill, and contact ASPCA. Other huge benefits of ASPCA pet insurance include its microchipping coverage, 30-day money-back guarantee, and multi-pet discount. 

ASPCA offers an accident-only plan, accident and illness plan, and preventative care plans. An accident-only plan can benefit pet parents looking for a lower-cost plan that offers catastrophic coverage for their pets. Its accident and illness plan is comprehensive and includes coverage for dental disease, congenital conditions, behavioral issues, hyperthyroidism, diabetes, and much more. We love that ASPCA has hip dysplasia and behavioral issues coverage. However, it has limited dental disease and alternative therapy coverage. Typically, you can expect to pay around $49 per month for dogs and $29 per month for cats for ASPCA’s accident and illness coverage. It offers two wellness plans, which cost $9.95 or $24.95 per month and help with routine care costs, such as dental cleanings, vaccinations, deworming, and wellness exams. 

We love that ASPCA has many customizable coverage options, including annual limits, deductibles, and reimbursement rates. However, its annual limit can only be as high as $10,000, which is relatively low compared to other providers. It also has worse customer reviews than many pet insurance companies. Overall, if you’re looking for multiple preventative care plans, accident-only plans, or a multi-pet discount, ASPCA may be a great choice for you.


  • Offers 10% multi-pet discount
  • Microchipping coverage
  • Lower deductibles than many providers
  • Partner of American Society for the Prevention of Cruelty to Animals


  • Low annual coverage limits
  • Poor customer reviews

Embrace Pet Insurance

Embrace pet insurance is an incredible choice for pet parents looking for “nose to tail” coverage for their pets. Embrace offers some of the most comprehensive accident and illness plans, which include coverage for dental diseases, prosthetic limbs, mobility aids, prescription medications, and breed-specific conditions. On average, dog insurance with Embrace costs $30 to $40 per month and $15 to $20 per month for cats. However, plan costs can vary greatly and cost up to $100 per month depending on the customization you choose. These plans won’t cover pre-existing conditions, exotic animals, DNA testing, and cosmetic procedures. 

Embrace also offers three tiers of wellness plans, which help with the cost of preventatives, grooming, vaccinations, wellness checkups, routine diagnostics, and more. These wellness plans will cost $18.75 per month for a $250 yearly allowance, $35.42 per month for a $450 yearly allowance, or $52.09 per month for a $650 yearly allowance.

Overall, we love that Embrace offers comprehensive coverage. Its charitable donations, user-friendly mobile apps, and unique Healthy Pet Deductible are other incredible features of Embrace pet insurance. With Embrace’s Healthy Pet Deductible, your deductible will be reduced by $50 each year if you don’t submit a claim for your pet. Embrace will also cover curable pre-existing conditions that are cured and symptom-free for 12 months, another significant benefit. However, Embrace can be more expensive than other providers, so consider if the greater coverage benefits are worth it to you. 


  • 30-day money-back guarantee
  • For every policy sold, Embrace donates $2 to charity
  • Offers unique “Healthy Pet Deductible”
  • Comprehensive accident and illness coverage


  • Can be more expensive than other providers 
  • Strict pre-existing conditions policy

Healthy Paws Pet Insurance

Founded in 2009, Healthy Paws pet insurance’s underwriting is done by the Chubb Group, an A+ rated insurer with over $25 billion in surplus. It’s a highly charitable pet insurance provider with two grant programs: Every Quote Gives Hope and Refer-A-Friend, which has led to over $1.6 million in donations to pet nonprofits. We love how charitable Healthy Paws pet insurance is, that it has no lifetime limits on its plans, and its fast claims processing. However, it doesn’t offer a wellness plan option or a multi-pet discount. 

Currently, Healthy Paws offers one straightforward accident and illness plan. Its plan will not cover exam fees, preventative care, pre-existing conditions, vaccinations, and teeth cleaning. In addition, Healthy Paw will not cover exotic animals. Its plan will cover accidents and illnesses, such as surgeries, emergency care, prescription medications, alternative treatments, hereditary conditions, cancer, and X-rays. 

Overall, we like that Healthy Paws pet insurance is a more affordable pet insurance option and that it offers unlimited lifetime benefits and donates to over 300 nonprofit pet charities. Typically, you can expect to pay around $39 per month for dogs and $12 per month for cats with Healthy Paws, which is more affordable than many providers.


  • More affordable pet insurance option
  • Unlimited lifetime benefits
  • Donates to over 300 nonprofit pet organizations
  • User-friendly mobile app for submitting claims


  • No multi-pet discounts
  • No wellness plan options

How Does Pet Insurance Work in New Hampshire? 

Pet insurance works by reimbursing you for the costs of out-of-pocket vet bills that are covered by your pet insurance policy. To use your active pet insurance plan, you’ll take your pet to any licensed veterinarian, animal hospital, or vet clinic. Then, you’ll pay the bill and submit the invoice to your pet insurance provider, typically through a mobile app, online, or in the mail. Once your claim is processed and approved, your pet insurance provider will give you a payout based on the reimbursement rate in your pet insurance policy. 

Ultimately, pet insurance works by giving you a financial safety net if your pet develops an illness or has an accident. If you opt for a wellness plan, you can also receive coverage for routine veterinary costs, like checkups and vaccinations. We recommend treating pet insurance as a backup plan for unexpected veterinary expenses that may come up over the course of your pet’s life. 

How to Choose the Best Pet Insurance in New Hampshire for You 

Pet insurance shopping can feel overwhelming because it requires you to think about so many key policy factors and how they may affect your pet’s health in the long term. Before you choose a plan or provider, consider the following factors, starting with the primary types of pet insurance plans offered: 

  • Accident-only coverage: Accident-only coverage provides your pet with coverage for accidents, including broken bones, swallowed foreign objects, animal bites, poisoning, and burns. This plan won’t cover illness or wellness care costs. 
  • Accident and illness coverage: Accident and illness coverage is the most comprehensive type of coverage and covers accidents, along with diabetes, infections, hip dysplasia, hereditary conditions, and more. It won’t cover wellness care costs. 
  • Wellness or preventative care coverage: Wellness or preventative care coverage is usually an add-on to one of the other pet insurance plan types. These plans will help with routine veterinary care costs, like dental cleanings, vaccinations, wellness exams, deworming, and more. 

Once you’ve decided which plan type you’d like for your pet, consider what providers and plans have the features that matter most to you. Here are some questions to ask yourself before moving forward: 

  • Does the plan have an annual or lifetime benefits cap?
  • What are the plan’s exclusions?
  • Are dental diseases or cleanings covered?
  • Can you get a free pet insurance quote?
  • Is your dog or cat prone to specific diseases due to its breed or build? Does the plan have coverage for these breed-specific conditions?
  • Are alternative therapies, such as physical therapy or acupuncture, and behavioral issues covered?
  • Does the pet insurance company have overall positive customer reviews and reports from the Better Business Bureau?
  • Will the plan cover the costs for prescription pet diets or medications?
  • Can you speak to your provider in your preferred communication method (phone, email, live chat, etc.)? 

Once you’ve picked a provider and plan, we recommend immediately enrolling your pet in the insurance plan so that it has less time to develop pre-existing conditions. Pre-existing conditions are any type of health problem your pet had before your pet insurance plan was active. Pre-existing conditions are never covered by pet insurance companies. 

How Much Does Pet Insurance Cost in New Hampshire?

Pet insurance costs will vary significantly based on your location, your pet’s age, health, and breed. The type of plan you choose, the customization options you pick, and if you add a wellness plan will also dramatically affect the price of your monthly premium. Typically, you can expect to pay around $40 per month for dog insurance and $22 per month for cats. Wellness plans will usually add anywhere from $10 to $25 to your monthly premium.

To save money, we recommend checking to see if the pet insurance provider offers any discounts, such as multi-pet, military, or bundling discounts. You can also consider an accident-only pet insurance plan, which will be less expensive while still providing catastrophic coverage.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot $40 $22 $9.95 (gold), $24.95 (platinum)
Lemonade $37 $15 $10 to $34/month for cats, $15 to $40/month for dogs
Embrace $35 $18 $35
Healthy Paws $39 $12 Not offered
ASPCA $49 $29 $9.95 (basic), $24.95 (prime)

Final Thoughts 

Pet insurance can be an excellent investment for any pet parent who wants peace of mind about unexpected vet bills for things like accidents or illnesses their pet may develop throughout its lifetime. Unfortunately, veterinary bills can be costly, but pet insurance can give you a financial safety net so that you never have to hesitate to take your pet to the vet.

Ultimately, we believe that pet parents should never have to turn down treatments for their beloved pets due to cost. So, we hope that you’re able to decide which pet insurance provider and plan will be best for you with our guide on the best pet insurance in New Hampshire. Don’t wait to sign up because you never know when your pet may develop pre-existing conditions or have an accident!

Information for Pet Owners in New Hampshire

The Granite State is a beautiful, pet-friendly location for pet parents and their furry family members. New Hampshire has a lot to enjoy between its stunning beaches, parks, and scenery. Keep reading to learn more about fun things to do with your pet in New Hampshire, pet laws you need to know about, and different pet resources. 

New Hampshire Pet Laws 

Here are some must-know New Hampshire pet laws whether you live there or are visiting: 

  • New Hampshire laws prohibit animals from being artificially colored. 
  • Dogs and cats older than three months must be vaccinated against rabies.
  • Dogs are required to wear a rabies vaccination tag 24/7. 
  • Dogs are not allowed to be off-leash unless they’re accompanied by their owners and in an area that allows off-leash activity. The only exception to this is dogs that are specially trained, hunting, herding, or exhibited. 

Fun Things to Do With Your Pet in NH: 

There are many things to do with your pet in New Hampshire. Check out these pet-friendly locations and establishments: 

  • The Friendly Pets Store: If you need any pet supplies, the Friendly Pets store is a great place to shop for pet supplies, bring your pet, and enjoy a friendly store.
  • The Hudson Dog Park: In Hudson, New Hampshire, you can take your dog for lots of outdoor exploration and activities.
  • Jenness Beach: This beach located in Rye is a favorite for leisurely walks with your dogs. 
  • White Mountain National Forest: Located in Lincoln, this forest is a gorgeous area that allows you to enjoy the outdoors and take your dog on hiking trails.

New Hampshire Pet Resources 

If you or someone is in need, check out these New Hampshire Pet Resources: 

  • Loudon Food Pantry: This food pantry serves Loudoun residents and helps pets stay in loving homes by providing food support. It supplies people in need with unopened, nonprescription cat and dog food.
  • The New Hampshire Food Bank: The New Hampshire Food Bank is part of the Catholic Charities of New Hampshire and provides food to families in need. 
  • NH Humane Society: The New Hampshire Humane Society offers a pet food pantry for feline and canine friends in need. It also has a spay and neuter assistance program.

Frequently Asked About Pet Insurance in New Hampshire

Do pet insurance policies have waiting periods in New Hampshire?

Yes, pet insurance policies more than always have waiting periods. between your initial enrollment period and when coverage officially begins for the plan. Across most providers, the standard is around 14 days for accidents and illnesses, but some others, including Lemonade and Embrace, can shorten your waiting period to as low as two days for accidents.

Does pet insurance only cover dogs and cats? 

Most pet insurance providers only cover dogs and cats. To date, the only pet insurance provider that covers birds and exotic pets in the United States is Nationwide Insurance. Nationwide can cover your pet pig, lizard, parrot, chinchilla, and other exotic animals. Exotic pets need excellent veterinary care just as much as dogs and cats, so consider looking into a pet insurance plan for them today if you have an exotic pet.

How do I get reimbursed for a vet bill?

Simply take your cat to any licensed veterinarian and submit your claim. Depending on your provider, you can submit your claim through its mobile app, online member center, or through the mail. Then, you’ll wait for your provider to approve the claim. Once approved, it will reimburse you for the allocated amount in your pet insurance policy through direct deposit or check.


Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.