Best Pet Insurance in New Hampshire (NH)

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

Learn More: Lemonade Pet Insurance Review

• 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’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 preventive 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 preexisting conditions, dental illness, cosmetic procedures, or spaying or neutering for pets older than 2 years old.

Spot is our pick for customers looking for customizable pet insurance plans. The company offers multiple options for annual coverage, reimbursement, and deductible amounts.

Learn More: Spot Pet Insurance Review

• Our score: 91
• Seven annual coverage limits, three reimbursement rates, and five deductibles
• Two optional preventive care plans
• Microchip implants included in standard plans

Spot has one plan that covers accidents and a more comprehensive option that includes both accidents and illnesses. Both plans cover expenses related to broken bones and swallowed objects, among other injuries.

The Accident and Illness Plan also includes issues and conditions like hip dysplasia, heart disease, cancer, and diabetes. Additionally, the plan covers behavioral issues and dental diseases that are not included with many standard pet insurance policies.

Spot has more choices for coverage limits and deductibles than most of its competitors. You can select a deductible amount ranging from $100 to $1,000 and choose from seven annual reimbursement caps ranging from $2,500 to unlimited.

The company also has two preventive care packages. The Gold Preventative Care Plan costs an extra $9.95 per month and the Platinum Preventative Care Plan costs an additional $24.95 per month.

The Gold plan includes payouts for dental cleaning, wellness exams, some vaccines, and heartworm and fecal tests. The Platinum plan covers all items in the Gold plan—some at higher reimbursement amounts—as well as a blood test, urinalysis, and flea and heartworm prevention.

ASPCA is our pick for pet insurance for first-time dog or cat owners. The company provides an online tool for locating veterinarians in your area and offers a variety of helpful resources about dog and cat breeds on its website. ASPCA also has a user-friendly mobile app through which you can make payments, sign up for direct deposit, access frequently asked questions and track your claims.

Learn More: ASPCA Pet Insurance Review

• Our score: 89
• Microchip implantation covered in standard policies
• Lower-cost emergency coverage in accident-only plan
• Perks for puppies, kittens, and older pets, including behavioral therapies

ASPCA offers two standard coverage options: the Accident-Only Plan and the Complete Coverage Plan. The first provides reimbursement for accidental injuries and emergencies like bite wounds and broken bones. The Complete Coverage Plan covers everything in the Accident-Only Plan and illnesses such as diabetes and cancer. Complete Coverage also includes congenital, hereditary, and chronic conditions, provided they were not diagnosed prior to the start of your policy.

Customers can choose from two optional preventive care packages. The Basic Plan, at $9.95 per month comes with a $250 total annual payout on wellness exams and dental cleanings, among other routine procedures. The Prime Plan is $24.95 per month and covers the same items as the Basic Plan but with $450 of annual coverage.

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.

Learn More: Embrace Pet Insurance Review

• Our score: 93.5
• Donates $2 toward pet-related charities for every policy purchased
• An optional 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 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 preexisting conditions, DNA testing or cloning, routine veterinary visits, and medical treatments related to breeding or pregnancy.

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

Learn More: Fetch Pet Insurance Review

• Our score: 91.5
• Up to $1,000 of annual coverage 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
• Reimbursements for both exam fees and sick visits

Fetch’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 preexisting conditions, cosmetic procedures, routine and wellness care, and elective procedures from coverage.

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.

Learn More: Prudent Pet Insurance Review

• 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 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.