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Best Pet Insurance in New Hampshire (NH)

Author Image Written by Brenda Woods Updated 06/26/2024

We crafted a list of the best pet insurance options in New Hampshire and rated each company on key metrics such as pricing, availability, customer service, coverage, and plan options. We found Lemonade to be our top pick due to its well-rounded coverage and affordable plans.

Quality, inexpensive pet insurance provides a safety net against unexpected costs and high veterinary bills, giving you peace of mind during an emergency.

New Hampshire has it all: stunning scenery, rich history, and remarkably cute pets. For those searching for pet insurance in The Granite State, the top six choices outlined in this review can take the guesswork out of protecting your pet.
Why Trust Us? Our review and rating process for the best pet insurance companies
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

How Do the Top Pet Insurance Companies in NH Compare?

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
$33.69 $13.32 VISIT SITE
$38.44 $21.53 VISIT SITE
$20.76 $18.47 VISIT SITE
$65.15 $53.43 VISIT SITE
$49.85 $26.55 VISIT SITE
N/A N/A Visit Site

Who Are the Top 7 Pet Insurance Providers in New Hampshire?

Here are the seven best providers of pet insurance in New Hampshire:

Lemonade Best Overall
Pros and Cons of Lemonade Pet Insurance
Pros 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 Cons Doesn’t cover dental illnesses like gum disease, only dental injuries An exam from the past 12 months is required to start coverage

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 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.

Spot Most Customizable Plans
Pros and Cons of Spot Pet Insurance
Pros 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 Cons 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 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 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.

ASPCA Best for New Pet Owners
Pros and Cons of ASPCA Pet Insurance
Pros 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 Cons Does not have any deductible choices higher than $500 Limits annual coverage to $15,000 maximum

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 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.

Embrace Best Deductibles
Pros and Cons of Embrace Pet Insurance
Pros 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 Cons 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

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 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.

Fetch Pet Insurance Best Holistic Coverage
Pros and Cons of Fetch Pet Insurance
Pros 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 Cons 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

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 Pet Insurance 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.

Prudent Pet Most Comprehensive Plan
Pros and Cons of Prudent Pet Insurance
Pros 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 Cons 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

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 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.

According to our research, you’ll likely spend between $17 and $98 per month on pet insurance or a pet wellness plan 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:


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.


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.


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.


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.

Is New Hampshire Pet Insurance Worth it?

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.

FAQs about Pet Insurance in NH

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, preexisting conditions, and cosmetic or elective procedures.

Other New Hampshire Home Service Resources

Our Rating Methodology

We are 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.