The Best Pet Insurance Companies in New Hampshire (2024)

Here is our list of top picks for pet insurance providers in New Hampshire:

• Lemonade: Our top pick
• Spot: Most customizable coverage
• Embrace: Our pick for savings
• Healthy Paws: Our pick for affordable unlimited coverage
• Figo: Most flexible reimbursement rates
• Fetch: Our pick for comprehensive coverage

Based on our quote-gathering process, the average cost of a pet insurance plan in New Hampshire is $70 per month for dogs and $34 for cats. To inform our cost data, we gathered sample quotes for four pets in New Hampshire:

• A 5-year-old medium, mixed-breed male dog
• A 2-year-old female golden retriever
• A 5-year-old mixed-breed male cat
• A 2-year-old female Siamese cat

Actual costs for pet insurance will vary depending on your exact location and your pet’s age and breed, with purebreds and seniors costing more to insure.

The table below shows the average monthly costs for pet insurance plans in New Hampshire by species and provider:

What’s the Cheapest Pet Insurance in New Hampshire?

According to our data collection, the cheapest pet insurance provider in New Hampshire is ManyPets, a newer company in the U.S. insurance marketplace. While ManyPets has mostly positive reviews on platforms like Trustpilot, the company has fewer years of experience than many other providers on our list. 

In addition to considering ManyPets, we recommend requesting quotes from at least three other insurance providers to compare rates and coverage details.

How To Choose the Right Pet Insurance Provider in New Hampshire

Deciding on a dog or cat insurance provider can be overwhelming. Before you officially enroll your pet, consider the following factors for each provider:

• Coverage caps: A lower coverage limit could benefit you if you want to save money on your premium each month. Conversely, you may prefer unlimited coverage despite the higher monthly cost. Either way, you should choose a company that suits your coverage needs. Spot, Trupanion, Fetch and Healthy Paws have no annual coverage caps, so you’ll never pay more than your copay or deductible.
• Customization: Some providers allow pet owners to adjust their annual limit, deductible and reimbursement rate. As these factors impact your premium, modifying them allows you to choose a monthly cost that fits your budget.
• Plan type: Many providers offer both an accident-and-illness and an accident-only policy. If you’re interested in a budget-friendly, accident-only policy, you can focus your search on providers like Spot that offer an affordable plan catered solely to emergencies.
• Preventive care coverage: Many pet owners feel routine or wellness care is essential. If this is you, focus your search only on providers that offer preventive care options.
• The fine print: Before committing to a policy, read the fine print. Each pet insurance plan has its own mandates regarding exclusions, waiting periods, preexisting conditions and available discounts.  
• Pet owners can choose a plan that works for their pet by first considering which plan features are most important. Then, compare the pros and cons of your top contenders. Factors to consider as you start your pet insurance journey include:
• Coverage and plan types: The plan you choose will determine your available coverage. Accident-only plans cover accidental injuries and emergencies, while accident and illness plans add coverage for illness and disease. Most companies also offer wellness plans as add-ons to traditional coverage to help cover routine care costs, including vaccines, dental care, spay and neuter procedures and parasite control.
• Fine print: A policy’s fine print spells out coverage exclusions, limitations and the claims process. A new insurance law in New Hampshire requires providers to clearly display these terms in a way that is easy for prospective buyers to understand.
• Customization: Plan customizations allow pet owners to create coverage that fits their budget and pet’s needs. Look for customizable deductibles, annual limits and reimbursement rates, which you can tailor to adjust your premium.
• Customer satisfaction: Reading customer feedback on websites such as the Better Business Bureau (BBB) or Trustpilot can provide information about how a plan performs in real life and how customers feel about customer service and other coverage aspects.
• Pet insurance laws vary from state to state, and while most states do not impose strict regulations on pet insurance providers, New Hampshire soon will. The state recently passed new laws that regulate the pet insurance industry, which could impact plan offerings and available providers. Always obtain quotes from your top choices to verify availability early in your decision-making process.

What Are the Pet Laws in New Hampshire?

New Hampshire pet laws regulate how residents must treat and interact with companion animals and wildlife to prevent injuries, disease spread or nuisance. In addition to requiring rabies vaccines and prohibiting animal cruelty, notable Granite State pet laws include protections for pets owned by domestic abuse victims and allowances for pet care trusts.

Cities in New Hampshire can use state laws as guidelines in creating ordinances of their own, examples of which include: 

Manchester Pet Laws

• People cannot transport dogs in the back of a pickup truck unless the animals are adequately secured.
• All dogs must be licensed annually in April.
• Failure to carry a means to pick up feces is illegal when walking dogs in public places.

Nashua Pet Laws

• Owners must provide shelter for tethered dogs and protect the animal from injury.
• The city considers animals making noise for more than 30 minutes or between the hours of 10 p.m. and 6 a.m. as a nuisance.
• Pet owners cannot keep pets in accessory buildings under unsanitary conditions.

Keene Pet Laws

• Dogs are not allowed on city streets during the annual Pumpkin Festival.
• The fee for a dog running at large is $25.
• Pet owners have seven days to reclaim lost pets impounded by the city.

Understanding Pet Insurance Terminology 

Learning common pet insurance terms can help you understand how pet insurance works and make choosing a plan easier. Here are some important definitions:

• A waiting period is the time after your policy starts that an insurer will not pay for claims. If your pet is diagnosed with any new conditions during the waiting period, your provider will consider it pre-existing and not extend coverage. New Hampshire state law restricts the length of waiting periods to a maximum of 30 days.
• A deductible is the dollar amount you must pay toward covered claims before your insurance contributes. The deductible renews annually in most cases, although some plans may impose per-incident deductibles.
• A premium is the amount you pay each year toward your pet’s insurance plan. You can often lower premiums by choosing a higher deductible and vice-versa.
• Most plans allow you to choose your reimbursement rate, which is the percentage of a claim your insurer will pay. For example, if you choose 70% reimbursement, you are responsible for paying the remaining 30% of each bill, assuming your plan covers all services.
• A policy also includes coverage limits or the maximum amount your insurer will cover in a given term. We recommend you look for plans with high annual coverage limits, although some plans may also impose per-incident or lifetime limits.