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: September 10, 2025
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Key Takeaways
Lemonade offers the best pet insurance in New Hampshire, with monthly rates starting at $11. It combines competitive pricing with excellent customer service.
For New Hampshire pet owners, 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 while considering both price and coverage options.
Best Pet Insurance Companies in New Hampshire
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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 Options
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.
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Breed: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.
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Breed: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.
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Dog or Cat:Dog
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Pet Age Group:Middle Aged
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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.
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Breed: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.
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Breed: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.
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Annual Limit:$5,000
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Deductible:$500
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Reimbursement %: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. Here's how to find the best pet insurance for your needs:
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Evaluate 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.
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Look 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.
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Check 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.
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Get Multiple Insurance Quotes
Get quotes from at least three providers for similar coverage levels. When reviewing quotes, compare deductibles, coverage limits and exclusions.
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Review 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. For pet owners focused on affordability, Lemonade offers the most competitive rates for dogs, while 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
Here are answers to frequently asked questions about New Hampshire pet insurance:
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
We researched all 20 major pet insurance providers in the United States, compared their policies and gathered quotes for New Hampshire residents. Here's the standard profile we used for our comparisons:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- 6-year-old Labrador Retriever if dog
- 7-year-old Ragdoll if cat
Our Company Rating System
To ensure our ratings are accurate to pet and pet owner's needs, we simplified our rating mechanism for easy understanding and comprehensive inclusion of all available information:
- Affordability (50% of score): We used proprietary quote data for all combinations of coverage, pet ages, and breeds owned in the U.S. to compare affordability scores for all providers. We also considered discounts and how each company calculates them into your premium.
- Customer experience (30% of score): Using customer ratings we scoured across the internet, industry scores from reliable agencies like AM Best, and Reddit comment sentiment for companies to get this score.
- Coverage options (20% of score): We considered all terms, add-ons and inclusions when determining this score. We also gauged these coverage restrictions and inclusions against the most commonly needed pet medical-related costs to assess their usefulness.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Trustpilot. "Lemonade Reviews." Accessed September 17, 2025.