Lemonade is the best pet insurance company in New Hampshire for cats and dogs. Other strong insurance options in the state include AKC, Spot, Pumpkin and Pets Best.
Best Pet Insurance in New Hampshire
Updated: November 13, 2025
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Key Takeaways
Lemonade offers the best pet insurance in New Hampshire, with monthly rates starting at $11.
Lemonade provides the cheapest pet insurance for dogs at $60 per month, while Pumpkin has the lowest cat rates at $25.
Compare multiple pet insurance policies to find coverage that matches your pet's needs and your budget.
Best Pet Insurance Companies in New Hampshire
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | 4.50 | $60 |
| AKC | 4.25 | $76 |
| Pets Best | 4.05 | $72 |
| Rainwalk | 3.95 | $82 |
| Spot | 3.90 | $76 |
Lemonade
Best Overall
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Points
Average Monthly Rate for Dogs
$65Average Monthly Rate for Cats
$31Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Best Pet Insurance by Dog Breed
Overall, AKC dominates the best pet insurance rankings for most dog breeds in New Hampshire, while Lemonade and Pets Best win for select breeds. Below, you can review which companies are best for your dog in the state.
Data filtered by:
Affenpinscher
| Pets Best | 4.35 | $32 |
| Rainwalk | 4.3 | $57 |
| AKC | 4.3 | $67 |
| Lemonade | 4.25 | $37 |
| Spot | 4 | $53 |
Best Pet Insurance by Cat Breed
AKC dominates the best pet insurance rankings for most cat breeds in New Hampshire, while Rainwalk stands out as another strong option. Below, you can review which companies are best for your cat in the state.
Data filtered by:
Abyssinian
| AKC | 4.5 | $49 |
| Rainwalk | 4.45 | $41 |
| Lemonade | 4.35 | $29 |
| Pets Best | 4.3 | $38 |
| Spot | 4.2 | $36 |
Cheapest Pet Insurance in New Hampshire
In New Hampshire, Lemonade provides the most affordable dog insurance at $60 per month or $719 per year. For cats, Pumpkin offers the lowest-cost coverage at $25 monthly or $300 annually.
Data filtered by:
Dog
Middle Aged
$5,000
80%
$500
| Lemonade | $60 | $719 | -27% |
| ASPCA | $67 | $802 | -18% |
| Hartville | $72 | $868 | -12% |
| Pets Best | $72 | $874 | -11% |
| Pumpkin | $73 | $875 | -11% |
| Figo | $73 | $884 | -10% |
| Spot | $76 | $905 | -8% |
| AKC | $76 | $914 | -7% |
| Met Life | $81 | $973 | -1% |
| Rainwalk | $82 | $984 | 0% |
| Liberty Mutual | $85 | $1,025 | 4% |
| Embrace | $104 | $1,246 | 27% |
| Nationwide | $117 | $1,408 | 43% |
| Fetch | $122 | $1,465 | 49% |
Cheapest New Hampshire Pet Insurance by Dog Breed
In New Hampshire, Lemonade, Pumpkin and Pets Best provide the most affordable dog insurance across multiple breeds, with plans starting at $20 monthly.
Data filtered by:
Affenpinscher
| Pets Best | $32 | $390 | -48% |
| Lemonade | $37 | $440 | -41% |
| Pumpkin | $43 | $520 | -30% |
| ASPCA | $47 | $560 | -25% |
| Hartville | $51 | $609 | -18% |
Cheapest New Hampshire Pet Insurance by Cat Breed
In New Hampshire, Pets Best (13 wins), Pumpkin (8 wins) and Lemonade (5 wins) offer the most affordable cat insurance across breeds. Monthly premiums start at $17 for standard coverage.
Data filtered by:
Abyssinian
| Lemonade | $29 | $351 | -53% |
| Figo | $31 | $374 | -50% |
| Hartville | $35 | $413 | -45% |
| Spot | $36 | $430 | -42% |
| Pets Best | $38 | $453 | -39% |
How Much Is Pet Insurance in New Hampshire?
New Hampshire pet insurance costs an average of $105 monthly for dogs and $53 for cats. These rates run about 16% higher than the national average for both types of pets.
Data filtered by:
$5,000
$500
80%
| Cat | $53 | $633 | 16% |
| Dog | $105 | $1,255 | 16% |
How to Get the Best Cheap Pet Insurance in New Hampshire
Finding the best cheap provider and coverage plan in New Hampshire can be difficult.
- 1Evaluate Your Pet's Coverage Needs First
Start by listing your pet's health risks and future medical costs. Talk with your vet about common health issues for your pet's breed to help determine necessary coverage levels.
- 2Look for Available Insurance Discounts
Check if you qualify for savings through a multi-pet plan or annual payment options. Many insurers offer discounts for military members, paying annually or spayed/neutered pets.
- 3Check Insurance Company Ratings
Check customer reviews and financial strength ratings of pet insurance providers. Consider insurers with strong track records of paying claims promptly and providing good customer service.
- 4Get Multiple Insurance Quotes
Get quotes from at least three providers for similar coverage levels. When reviewing quotes, compare deductibles, coverage limits and exclusions.
- 5Review Your Policy Annually
Set a yearly reminder to compare rates and coverage options. Pet insurance costs often increase as pets age, so shopping around each year helps ensure you maintain affordable coverage.
Best Pet Insurance in New Hampshire: Bottom Line
Lemonade is our top pick for pet insurance provider in New Hampshire, delivering strong coverage for both dogs and cats. Pumpkin provides the lowest-cost coverage for cats.
While these providers stand out in our analysis, the best choice depends on your pet's needs and your budget. Take time to compare coverage options before making your decision.
Pet Insurance in New Hampshire: FAQ
What are the best pet insurance companies in New Hampshire?
Pet owners in New Hampshire can find excellent insurance coverage through Lemonade, Spot, Pumpkin, AKC and Pets Best, which rank among the most reliable providers in the state.
Which company has the cheapest pet insurance in New Hampshire?
Lemonade, ASPCA, Pumpkin and Hartville provide some of the most affordable dog and cat insurance in New Hampshire. Monthly premiums start at $60 for dogs and $25 for cats.
How much is pet insurance in New Hampshire?
In New Hampshire, pet insurance costs average $633 annually for cats and $1,255 for dogs. Annual premiums across the state range from $79 to $15,500, depending on coverage options and pet factors.
What is the best way to find the right pet insurance provider?
Start by determining your pet's specific coverage needs based on age, breed and health history. Research multiple providers' reputations through customer reviews and industry ratings. Compare policy details, coverage limits and deductibles from at least three companies. Get quotes from top-rated insurers to find competitive rates that match your requirements.
How We Found the Best and Cheapest Pet Insurance in New Hampshire
New Hampshire pet owners face rising veterinary costs, and pet insurance helps you afford necessary care when your dog needs ACL surgery or your cat develops chronic kidney disease. We designed this research to show you which providers offer the best combination of affordable premiums, reliable claim payments, and comprehensive coverage for New Hampshire residents.
We researched all 20 major pet insurance providers in the United States and gathered quotes using standard profiles that reflect common coverage choices and popular breeds in the state.
Our baseline pet profiles:
We collected quotes for a 6-year-old Labrador Retriever for dog coverage and a 7-year-old Ragdoll for cat coverage. Both profiles used $5,000 annual limits, 80% reimbursement, and a $500 deductible. These mid-range coverage settings balance affordability with meaningful financial protection when your pet needs emergency surgery, diagnostic testing, or ongoing treatment for chronic conditions.
How we scored each provider:
We evaluated companies across three weighted categories that reflect what matters most when you're choosing pet insurance:
- Affordability (50%): Proprietary quote data across coverage combinations, pet ages, and breeds, plus available discounts and how they reduce your premiums
- Customer Experience (30%): Customer ratings from multiple online sources, AM Best industry scores, and Reddit sentiment analysis about claim handling and reimbursement speed
- Coverage Options (20%): Policy terms, available add-ons, coverage restrictions, and how well benefits align with common veterinary expenses New Hampshire pets face
Why these weights: Your monthly premium is what you'll pay throughout your pet's life, making affordability the dominant factor for New Hampshire families managing household budgets. Customer experience carries substantial weight because affordable coverage means nothing if the company denies legitimate claims or takes months to reimburse you. Coverage options matter because you need policies that actually cover the conditions your pet is likely to develop, from cancer treatment to orthopedic surgeries.
This scoring system prioritizes real-world value for New Hampshire pet owners who need affordable premiums from companies that pay claims fairly and cover the conditions pets commonly face, ensuring you can afford quality veterinary care without draining your savings.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Lemonade Reviews." Accessed November 21, 2025.