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5 Best Pet Insurance Companies in New Hampshire (2021)

For caring pet parents in New Hampshire, pet insurance can cut unexpected veterinary costs and offer peace of mind during an accident or emergency. This guide outlines the top pet insurance picks for pets.

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New Hampshire has it all: stunning scenery, rich history, and remarkably cute pets. For those searching for pet insurance in New Hampshire, the top five choices outlined in this review can take the guesswork out of protecting your pet. Pet insurance provides a safety net against unexpected costs and high veterinary bills, giving you peace of mind during an emergency.

The This Old House Reviews Team crafted a list of the best pet insurance options in The Granite State and rated each company on key metrics such as pricing, availability, customer service, coverage, and plan options. We’ve also included sample quotes on pet insurance policies for a 4-year-old dog living in Manchester, New Hampshire, with an 80% reimbursement rate, $5,000 of annual coverage, and a $250 annual deductible when those options were available.

New Hampshire’s Top 5 Pet Insurance Providers

  • Lemonade: Best Overall
  • Prudent Pet: Most Comprehensive Plan
  • Healthy Paws: Best Coverage Limit
  • Embrace: Best Deductibles
  • Petplan: Best Holistic Coverage

Lemonade

Lemonade is our recommendation for the best overall pet insurance provider thanks to its affordable plans, well-rounded coverage, and add-ons to customize your plan for vet fees, preventative care, and physical therapy.

Some highlights include:

  • Our score: 96
  • Offers a wide range of coverage caps, ranging up to $100,000 annually
  • Has highly affordable prices compared to competitor plans for similar coverage
  • Offers a discount for bundling plans with Lemonade homeowners insurance or Lemonade renters insurance policies

Lemonade lost points in our review for its C rating with the Better Business Bureau (BBB), which is lower than other companies on this list. However, the complaints are primarily from customers with a Lemonade homeowners or renters insurance policy.

Lemonade Pros and Cons

Compare the advantages and disadvantages of Lemonade:

✔ Has a short two-day waiting period for accidents, while many other providers require up to 14–15 days before coverage can start

✔ Has a unique giveback program that donates up to 40% of unclaimed premiums to charities (the rest go to covering operational costs)

✔ Provides a discount of between 7% and 10% for choosing to make annual payments

✘ Doesn’t cover dental illnesses like gum disease, only dental injuries

✘ An exam from the past 12 months is required to start coverage

Lemonade Plans and Coverage

Lemonade’s standard accident and illness coverage covers diagnostics such as urinalysis, X-rays, CT scans, and lab work, procedures such as specialty, outpatient, and emergency care, surgery, and hospitalization, and both prescription and injected medications.

There are two price points for preventative care add-on coverage, which covers pets for one wellness exam, a blood test, three vaccines, a heartworm or Feline Immunodeficiency Virus (FIV) test, and a fecal or internal parasite test per year. The higher price point also includes routine dental cleaning and flea, tick, or heartworm medication. Additionally, Lemonade provides add-ons to cover vet exam fees and physical therapy after an accident or illness.

Lemonade’s policies do not cover any pre-existing conditions, dental illness, cosmetic procedures, or spaying or neutering for pets older than 2 years old.

Lemonade Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and illness plan $22.58 $32.17 $20.83 $13.67
Accident and illness plan with preventative care $38.58 $48.17 $36.83 $23.67
Accident and illness plan with vet visit fees and physical therapy $28.58 $40.83 $26.33 $17.17

Prudent Pet

Our choice for the most comprehensive plan is Prudent Pet for its comprehensive coverage options, with its Ultimate Plan covering extras such as pet mortality fees for a burial or cremation and pet loss costs.

Some highlights include:

  • Our score: 95
  • Provides a 30-day money-back guarantee upon purchasing a policy
  • Offers preventative care coverage at three price points, allowing owners of younger pets to cover more routine and preventative care needed for puppies and kittens
  • Has a 24/7 vet chat available for all policyholders

Prudent Pet Pros and Cons

Compare the advantages and disadvantages of Prudent Pet:

✔ The Essential Plan and Ultimate Plan both offer behavioral treatment coverage

✔ The Ultimate Plan offers unlimited annual coverage, which means there’s no maximum amount that the provider will pay for eligible items during this term

✔ Offers an Accident-Only Plan for low-cost insurance on unexpected injuries

✘ No customization options for annual coverage caps: the Accident-Only and Essential Plans come with a $10,000 cap, and the Ultimate Plan has an unlimited annual coverage cap

✘ Doesn’t have a mobile app

Prudent Pet Plans and Coverage

Prudent Pet offers three plans: Accident-Only, Essential, and Ultimate. The Accident-Only Plan provides base-level coverage for accidents and injuries, such as bite wounds, broken bones, injuries to the teeth and mouth, hospitalizations, radiology and diagnostic testing, and surgery. The Essential Plan covers illnesses as well as accidents, taking care of treatments for cancer, hip dysplasia, urinary infections, digestive illness, and hereditary conditions.

The Ultimate Plan also covers up to $1,000 of behavioral treatments, costs for advertising and rewards to find lost pets, canceled vacations due to a pet illness, burial or cremation fees for pets, and boarding fees for pets whose owners are hospitalized and can’t take care of them. Prudent Pet also offers a preventative care add-on for routine care costs like wellness exams, vaccinations, and deworming.

Prudent Pet does not offer coverage for pre-existing conditions, grooming costs, cosmetic or aesthetic procedures, natural remedies, or vet house calls.

Prudent Pet Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident-Only Plan $22.28 $32.67 $18.67 $13.36
Essential Plan $50.63 $74.26 $42.43 $30.36
Ultimate Plan $66.96 $98.21 $56.12 $36.21

Healthy Paws

For pet parents with animals that may need extra care, Healthy Paws may be the right choice thanks to its high coverage caps that ensure there’s no limit to reimbursement amounts. The company’s unlimited coverage caps prevent pet owners from paying out of pocket once their coverage limit is reached.

Some highlights include:

  • Our score: 93.5
  • No annual, per-month, or lifetime limits on coverage caps
  • Mobile app offers training and pet health resources
  • Has a quick processing time, with most claims processed within two days

Healthy Paws Pros and Cons

Compare the advantages and disadvantages of Healthy Paws:

✔ Covers alternative treatments like chiropractic care and hydrotherapy when prescribed and performed by a licensed veterinarian

✔ More than $1 million has been donated to charities that assist with pet homelessness

✔ Its comparison tool will help shoppers find a better rate if their Healthy Paws quote is unusually high

✘ Pets that are 6 or older don’t have customization options for their policies

✘ Requires you to wait 12 months before your pet is eligible for hip dysplasia treatment

Healthy Paws Plans and Coverage

Healthy Paws has one coverage option with no add-ons available for purchase. The accident and illness plan provides coverage for hydrotherapy, chiropractic care, prescription medications, hospitalization, surgery, injury to the mouth or teeth, and specialty and emergency care.

Similar to other pet insurance providers, Healthy Paws does not cover pre-existing conditions, spaying or neutering, elective or cosmetic procedures, and exam fees. Coverage for hip dysplasia symptoms begins after a 12-month waiting period.

Healthy Paws Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and illness plan $53.85 $79.61 $43.05 $25.22

Embrace

If your pet has a chronic condition or you’re seeking the best deductible options, Embrace may be your best choice for pet insurance in New Hampshire.

Some highlights include:

  • Our score: 93.5
  • Donates $2 toward pet-related charities for every policy purchased
  • Wellness Rewards add-on covers 100% of eligible vet bills for routine care, rather than using a reimbursement percentage
  • Standard plan covers exam fees, which is typically an add-on fee for most competitors

Embrace Pros and Cons

Compare the advantages and disadvantages of Embrace:

✔ Offers flexible deductibles, with five options at $200, $300, $500, $750, and $1,000

✔ Offers a free medical review option for pets enrolled in a policy

✔ Provides a 5% discount for military members and a 10% discount for insuring multiple pets

✘ Pricing for preventative care is more expensive than competitors on this list

✘ Its mobile app does not support the company’s 24/7 pet health line

Embrace Plans and Coverage

Embrace offers an accident and illness plan that covers health problems such as chronic and congenital conditions, dental trauma, and cancer treatment along with procedures and costs like exam fees, prescription drug coverage, biopsies, lab tests, physical therapy, CT scans, MRIs, ultrasounds, and allergy testing.

The wellness add-on includes routine care such as teeth cleaning, routine blood tests, vaccinations, anal gland expression, massages, and prescription diet foods. This add-on is offered at three annual amounts so you can customize your reimbursement limits.

Embrace coverage excludes items such as pre-existing conditions, DNA testing or cloning, routine veterinary visits, and medical treatments related to breeding or pregnancy.

Embrace Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and Illness Plan $41.64 $62.46 $35.89 $24.48
Accident and Illness Plan with Wellness Rewards Plan $60.39 $81.21 $54.64 $43.23

Petplan

For broad coverage of alternative treatments and unexpected costs outside of the vet’s office, Petplan offers a holistic plan for New Hampshire pets that includes online vet visits for pet owners who prefer virtual visits.

Some highlights include:

  • Our score: 91.5
  • Up to $1,000 annually for behavioral treatments, which are typically unavailable or an add-on for most other providers
  • More comprehensive dental care options than competitors on this list
  • Reimburses both exam fees and sick visits

Petplan Pros and Cons

Compare the advantages and disadvantages of Petplan:

✔ Includes more alternative treatments than competitors: stem cell therapy, homeopathy, acupuncture, and chiropractic care are all covered

✔ Pets that were adopted from shelters or rescues receive a 10% discount

✔ Offers an option for unlimited annual coverage caps

✘ No preventative care add-on available

✘ Pets must be examined annually to continue coverage, and wellness exams are not covered under the policy

Petplan Plans and Coverage

Petplan’s accident and illness coverage includes expenses for diagnostic tests, vet visit fees, ultrasounds, MRIs, CT scans, cancer treatments, telehealth veterinary services, prescription medications, surgery, and rehabilitation, along with its suite of holistic alternative therapies. The plan excludes pre-existing conditions, cosmetic procedures, routine and wellness care, and elective procedures from coverage.

Petplan Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and illness plan $56.65 $77.41 $52.02 $30.59

How Much Is Pet Insurance in New Hampshire?

According to our research, you’ll likely spend between $17 and $98 per month on pet insurance in New Hampshire. However, a few elements can affect how much you pay for a policy, so it’s crucial to get a quote for yourself to ensure you have an accurate idea of pricing information.

The premiums for pet insurance are determined by pet insurance companies based on the following factors:

  • Discounts: Pet insurance providers such as Lemonade, Prudent Pet, and Embrace offer discounts on your policy for insuring multiple pets. Embrace also offers a 5% military discount, while Petplan provides 10% off of a policy to pets that have been adopted from a rescue or shelter.
  • Customization: Customizing your plan to include a lower coverage cap, lower reimbursement rate, and higher deductible can save you money on your monthly premium. For example, our quote from Healthy Paws for a mixed 4-year-old dog came out to $53.86 per month with an 80% reimbursement rate and a $250 deductible but only $40.90 per month with a 70% reimbursement rate and a $500 deductible.
  • Species: Pet insurance for cats is oftentimes less expensive than pet insurance for dogs, due to canines’ higher likelihood of developing health problems due to genetics as well as aging.
  • Age: As pets age, they can develop more costly conditions that need care. These conditions can include arthritis, cancer, heart or liver disease, and declining vision and hearing.

Frequently Asked Questions

What is the average annual cost for pet insurance?

The North American Pet Health Insurance Association found that when it comes to accident and illness plans, the average annual cost for pet insurance in 2020 was $594.15 for dogs and $341.81 for cats. If you reduce coverage to accidents only, those 2020 annual figures drop to $213.13 for dogs and $133.61 for cats.

What are the benefits of pet insurance?

The benefits of pet insurance include a financial safety net that helps pay for accidents and illnesses for your pet and peace of mind during emergencies. In our survey of 1,000 pet parents, nearly 40% of respondents reported that they would have to use a credit card for emergency veterinary bills, while another 9% stated that they didn’t know how they would be able to pay for a pet’s health issue. With pet insurance, owners can focus on helping their pet during an emergency instead of worrying about expensive vet bills.

What do most pet insurance policies cover?

Every pet insurance policy is different, so it’s important to read the terms and conditions before you sign. Nevertheless, there are some items that almost all plans include: emergency treatment, such as a vet visit or hospitalization, diagnostic tests like X-rays and bloodwork, and surgery when it’s medically necessary.

Pet insurance does not cover breeding, pre-existing conditions, and cosmetic or elective procedures.

Our Conclusion

If you’re seeking affordable premium prices with a suite of add-ons for comprehensive coverage, Lemonade may be the pet insurance company for you. Healthy Paws may be the right fit for pet parents looking for unlimited coverage caps and a company with a cause. If your pet needs extra treatment options and alternative therapies, Petplan could be a good choice.

We strongly recommend getting quotes from at least three providers for pet insurance in New Hampshire to find the best rates and coverage for your companion.

Compare New Hampshire’s Best Pet Insurance Companies

Provider Lemonade Prudent Pet Healthy Paws Embrace Petplan
Provider Lemonade Prudent Pet Healthy Paws Embrace Petplan
Get a quote Lemonade.com PrudentPet.com HealthyPawsPetInsurance.com EmbracePetInsurance.com GoPetplan.com
Our score 96 95 93.5 93.5 91.5
Sample premium* $22.58 $50.63 $53.85 $41.64 $56.65
Plans and add-ons 3 5 1 2 1
Waiting period 2 days for accidents and 14 days for illnesses 5 days for accidents and 14 days for illnesses 15 days for accidents and 15 days for illnesses 2 days for accidents and 14 days for illnesses 15 days for all conditions
Customer service Email and chat on mobile app Live chat, contact form, and phone with no specified hours Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours
BBB rating** C A+ A A+ A+

*Based on sample quotes for a mixed 4-year-old dog in Manchester, New Hampshire

**Based on scores pulled from each company’s BBB profile as of October 27, 2021

Our Rating Methodology

The This Old House Reviews Team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.