New Hampshire has it all: stunning scenery, rich history, and remarkably cute pets. For those searching for pet insurance in New Hampshire, the top seven 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.
Top 7 Pet Insurance Providers in New Hampshire
Here are the seven best providers of pet insurance in New Hampshire:
- Lemonade: Best Overall
- Spot: Most Customizable Plans
- Embrace: Best Deductibles
- ASPCA: Best for New Pet Owners
- Fetch: Best Holistic Coverage
- Healthy Paws: Best Coverage Limit
- Prudent Pet: Most Comprehensive Plan
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.
Pros and Cons of Lemonade Pet Insurance
✔ 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 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.
Learn More: Lemonade Pet Insurance Review
Spot is our pick for customers looking for customizable pet insurance plans. The company offers multiple options for annual coverage, reimbursement, and deductible amounts.
Some highlights include:
- Our score: 91
- Seven annual coverage limits, three reimbursement rates, and five deductibles
- Two optional preventive care plans
- Microchip implants included in standard plans
Pros and Cons of Spot Pet Insurance
✔ Includes behavioral issues in its coverage, which are often excluded by providers
✔ Offers a 30-day money back guarantee
✔ Does not exclude or limit coverage for older animals
✘ Has a 14-day waiting period for accidents, while some companies offer a two-day waiting period
✘ Is not available for customer service on Saturdays or Sundays
Spot Plans and Coverage
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.
Learn More: Spot Pet Insurance Review
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
- 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
Pros and Cons of Embrace Pet Insurance
✔ 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 preventive 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 preexisting conditions, DNA testing or cloning, routine veterinary visits, and medical treatments related to breeding or pregnancy.
Learn More: Embrace Pet Insurance Review
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.
Some highlights include:
- 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
Pros and Cons of ASPCA Pet Insurance
✔ Covers the cost of illness-related exam fees
✔ Provides 24/7 telehealth line for access to veterinary advice
✔ Has helpful resources for pet parents on its website and through its mobile app
✘ Does not have any deductible choices higher than $500
✘ Limits annual coverage to $15,000 maximum
ASPCA Plans and Coverage
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.
Learn More: ASPCA Pet Insurance Review
Fetch by The Dodo
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.
Some highlights include:
- 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
Pros and Cons of Fetch by The Dodo
✔ Includes more alternative treatments than competitors, such as stem cell therapy, homeopathy, acupuncture, and chiropractic care
✔ Pets that were adopted from shelters or rescues receive a 10% discount
✔ Offers an option for unlimited annual coverage caps
✘ Does not offer a preventative care add-on
✘ Pets must be examined annually to continue coverage, and wellness exams are not covered under the policy
Fetch by The Dodo Plans and Coverage
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.
Learn More: Fetch Pet Insurance Review
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
Pros and Cons 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.
Learn More: Healthy Paws Pet Insurance Review
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
Pros and Cons of Prudent Pet Insurance
✔ 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.
Learn More: Prudent Pet Insurance Review
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 Fetch 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 about Pet Insurance in NH
Comparing The Top Pet Insurance Providers in NH
Compare New Hampshire’s Best Pet Insurance Companies
|Provider||Sample Premium*||Plans and Add-Ons|
*Sample quotes based 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.
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, Fetch 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.
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 firstname.lastname@example.org.