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Best Pet Insurance in New Hampshire of 2022

Lisa Scott

When you’re seeking the best pet insurance New Hampshire has to offer, there are likely a list of questions you have and things to consider for both your pet and yourself. With so many different companies offering an array of coverage plans, it can be quite overwhelming trying to begin your research. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Short waiting periods on accidental coverage

Unlimited

Coverage Up To

70% - 100%

Reimbursement Rates

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it in New Hampshire?

As a resident in New Hampshire, there are a lot of places you may want your pet to accompany you to such as the lakes, mountains, or other adventurous locations. If your pet happens to love swimming, be aware that the lake could be infected with cyanobacteria boom, and this is extremely harmful to your pet that it will require immediate medical attention. Your pet insurance policy can cover the cost of emergency treatments like this.

Also, pet insurance is worth the investment because your pet can receive coverage for accidents, illnesses, and preventative care. This reduces the risk of unexpected medical bills, and you won’t have to choose between your pet’s treatment and your financial situation. Keep in mind, most insurers will not cover your pet for any pre-existing medical conditions. It is recommended to insure your pet while it’s young so if any medical conditions do come to the surface as your pet ages, you are more likely to receive coverage for the treatment(s).

What types of pet insurance plans are in New Hampshire? 

Several pet owners register their pets under an insurance plan that will ensure to cover their medical bills, especially when an accident occurs. However, there are a few options available so consider the following plans offered:

  • Accident-only plan: If your pet happens to be accidentally injured, this plan will cover the medical bills for treating your pet’s injury. Illness or routine checks will not be covered under this plan. So if your pet suffers from a hereditary condition, pre-existing condition, or breed-specific issues, you might want to consider going for a comprehensive plan.
  • Accident and illness plan: This plan is meant to cover any unplanned emergency, such as a vehicle accident or an unexpected illness. If you are seeking more coverage such as wellness or preventative care, a comprehensive plan might be more suitable for your pet’s needs.
  • Wellness plan: This plan ensures to cover the cost for your pet’s preventative and routine care. So, if your pet is enrolled under his plan your insurer will reimburse you for your pet’s routine treatment, services and procedures. As much as this plan can stand on its own, you stand to benefit more if you enroll your pet for a full coverage plan.
  • Comprehensive plan: With this plan, your insurer covers the cost of your veterinarian bills, hospital visits, medications, emergencies for any illness(es) or accident(s), and routine and preventative care. If you’re going for this plan, know that not all insurance companies offer the same packages for coverage. Ask what are the limitations to this plan, if they’ll charge for more claims, and a list of what is covered.

What does pet insurance cover and exclude?

Here’s a comprehensive list of what is commonly covered under a pet insurance policy in New Hampshire: 

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

The following is a list of exclusions you should be aware of when looking at pet insurance policies:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Additional veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and declawing. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in New Hampshire?

Generally, the average cost for pet insurance in New Hampshire is $50 per month. Before an insurer comes up with the cost, different factors affect the amount you are to pay. They include your pet’s species, breed, age, the coverage you go for, the deductible, any pre-existing condition, your location, and the number of pets being insured. 

Insurance premiums increase according to the age of your pet because older pets tend to fall sick more often than younger pets. Also, the veterinary fee in your location will affect the cost of pet insurance you’ll pay for your pet. So, if you’re working within a budget, consider your pet’s needs and what coverage it absolutely requires.

What are the veterinary costs in New Hampshire? 

Veterinary costs in the state of New Hampshire are more expensive than national veterinarian bills. So if your pet has an unexpected illness or injury, expect to pay higher veterinary fees than the average cost. These fees directly or indirectly have an impact on the cost of insurance. The following is a break down of the cost for specific veterinary services:

Veterinary ServiceCost
Exams and test$210-$260
Blood work$80-$200
Vaccines$15-$28 per shot 
Routine checks$50-$250
Dental cleaning$70-$400
Geriatric cleaning$85-$110
Treatment for wound$800-$2,500
Oxygen therapy$400-$3,000

A majority of the time, it’s difficult to know the fixed amount for veterinary bills because most veterinary clinics have different medical costs for different types of pets. 

How to choose the best pet insurance in New Hampshire 

When choosing pet insurance, keep a few of these factors in mind so you can make an informative decision for your pet:

  • Understanding the terms of the policy: By taking the time to thoroughly review your policy, you will know what kind of services will be covered and what will be excluded. You can also assess if your pet requires basic insurance or potentially add-on options such as wellness and preventative care.
  • Compare insurance providers: Consider your options by comparing a few insurance providers and what their policies offer. Also, be sure to take the deductible and monthly premium costs into account. Some insurance agencies may offer discounts as well, so gather all the facts before you make a final decision.
  • Customer reviews: Check what other customers in New Hampshire have to say about an insurance agency you’re considering. Read reviews about the customer’s experience, their service, and how they handle their claims process. This will make it easier for you to come to a decision.