Pet Insurance
The best pet insurance companies are those that offer a good range of plans, so you can decide what type of service you need ranging from emergency care to chronic care, as well as the level of coverage that fits your budget and pet’s needs.
The best pet insurance in New Hampshire could save you thousands of dollars if your pet needs veterinary care. It can also provide peace of mind that your pet will be covered in a medical emergency. Some plans even cover preventive care, so you’re not out-of-pocket from routine vet visits and wellness procedures.
MoneyGeek gathered pet insurance quotes data in New Hampshire’s top cities such as Concord, Manchester and Nashua. Our analysis helped us determine the cost of pet insurance in the state together with any additional perks or benefits to help you find the best coverage for your pet family member.
The Best Pet Insurance Companies in New Hampshire
To determine the top pet insurance providers in New Hampshire, MoneyGeek reviewed thousands of quotes across the state, including reviewing policy and coverage details. We measured affordability and product offerings to determine the top pet insurance providers.
The cost of pet insurance varies based on the breed and age of your pet, the type of plan and level of coverage you select, and even where you live and the company you purchase from. Shopping around to compare quotes from various providers is always a good idea. No matter which you choose, it’s important to do thorough research before signing up for any plan so that you can be sure you’re getting the best deal for your budget and pet’s needs.
Best Overall Pet Insurance in New Hampshire for Your Pet
pros
Deductibles range from $50 to $1,000
Option to have exam fees covered
No age restrictions for pet coverage
cons
Only two annual limits available: $5,000 and unlimited
COMPANY HIGHLIGHTS
Pets Best is MoneyGeek's top choice for the best overall pet insurance provider in New Hampshire. Accidents and illnesses, surgeries and cancer treatment are all covered by Pets Best insurance policies. In addition, the insurer provides wellness coverage for routine care as well as specialized coverage options. Pets Best insures pets for an average of $27.53 per month.
For pet owners on a budget who want coverage for their pets, Pets Best provides accident-only plans. These cost $6 per month for cats and $9 per month for all breeds of dogs on average. It covers everything from broken legs to snake bites and accidental swallowing but does not cover medical issues like illness.
It’s easy to make claims. You can do so online by visiting the Pets Best website or using the Pets Best mobile app on your phone. You can also have the insurer pay your veterinarian directly. Overall, it's a great option for New Hampshire pet owners looking to protect their pets.
Best Pet Insurance Company in New Hampshire: Unlimited Coverage
pros
Covers hereditary and congenital conditions such as hip dysplasia
Option for routine wellness plans available
No upper age limits for pets
cons
Does not cover preventive or elective care
COMPANY HIGHLIGHTS
MoneyGeek rates Pets Best as the best pet insurance company in New Hampshire for unlimited coverage. The insurance company has two options for coverage limits: $5,000 and unlimited. Unlimited coverage guarantees that your pet receives all the necessary medical care it needs, no matter the cost. The average monthly premium for a plan with unlimited protection from Best Pets is $34.83 per month. In comparison to lower coverage options, purchasing unlimited insurance is more expensive. However, it’s good to know that if anything happens to your pet, you'll be completely covered financially.
Pets Best has a range of deductibles from $50 to $1,000 and reimbursement options of 70%, 80%, and 90%. As with all insurance companies, pre-existing medical issues are not covered by Pets Best, but when you renew your policy each year, any conditions previously covered are not viewed as pre-existing.
Your pet's age, breed, and other considerations all play a role in determining the cost of each insurance policy.
Best Pet Insurance Company in New Hampshire: Affordable Coverage
pros
Accident-only coverage available
Acupuncture and chiropractic treatments covered
Behavioral consults and medication covered
cons
Must upgrade for limited coverage for parasite testing and prevention
COMPANY HIGHLIGHTS
Pets Best is our choice for the most affordable pet insurance company in New Hampshire. A Pets Best policy with low coverage costs an average of $20.22 per month.
Accidents, illnesses, chronic conditions, cancer, hereditary and congenital issues, as well as emergency medical treatment are all covered by Pets Best's basic pet insurance policy; however, exams costs are not. Pet owners must upgrade to the plus or elite plan to get their exams expenses covered.
Best Pet Insurance Company in New Hampshire: Multiple Pets
pros
Multi-pet discount of 5%
Euthanasia covered
Periodontal disease is covered, if conditions are met
cons
Holistic therapies are not covered
COMPANY HIGHLIGHTS
Pets Best is MoneyGeek's best choice for low-cost coverage for multiple pets in New Hampshire. Pets Best pet insurance costs approximately $24.77 per month. When you enroll more than one pet with Pets Best, you’ll receive a 5% discount.
While the insurer covers many health-related expenses, it does not cover elective procedures such as dewclaw removal, anal gland expression and removal or nail trimming.
You can choose to remove coverage that is included with most Pets Best accident and illness plans to better fit your budget and the needs of your pet. Examples of exclusions are exam fees, acupuncture and chiropractic treatments and prescription medication coverage.
Best Pet Insurance Company in New Hampshire: Cats
pros
Covers hip dysplasia without additional caps or age limits
Covers chiropractic and acupuncture services
No upper age limits when enrolling your pet
cons
Coverage for routine wellness or preventive care is additional
COMPANY HIGHLIGHTS
MoneyGeek's best choice for pet insurance for cats in New Hampshire is Figo, which offers insurance at an average cost of $19.01 per month.
Figo has a choice of annual coverage limits at $5,000, $10,000 and unlimited, together with a range of deductible options starting at $100. It’s one of the only insurance companies where you can select 100% reimbursement. The comprehensive insurance covers accidents and illness with optional coverage for wellness and veterinary exam fees.
Because it’s so comprehensive, a Figo pet insurance plan may help to ease the financial burden of expenditures connected with covered chronic and hereditary conditions, cancer treatment, diagnosis, surgeries, emergency visits, medications, imaging, prosthetics and orthopedics.
Multi-pet discounts are available and plans include holistic and alternative treatments such as chiropractic and acupuncture services. With Figo, any chronic condition that first shows signs after your policy waiting period is covered for the life of your pet.
Best Pets Insurance in New Hampshire Ranking Summary
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- RankingWinnerAvg. Monthly Cost
- OverallPets Best$28
- Unlimited CoveragePets Best$35
- Affordable CoveragePets Best$20
- Multiple PetsPets Best$25
- CatsFigo$19
What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in New Hampshire?
Several factors, including the breed and age of your pet, the type of insurance and coverage you select, all play a role in the cost of pet insurance in New Hampshire. Dog insurance in the state, on average, costs $28.81 per month for annual coverage of $5,000, $54.72 per month for a $10,000 coverage limit, and $56.89 per month for unlimited coverage. Cat insurance typically costs less, and for a policy with a $5,000 annual coverage, you’ll pay on average $15.69 per month, while for $10,000 maximum coverage, it’s $27.16 per month and unlimited coverage costs $36.83 per month.
Average Monthly Cost of Pet Insurance in New Hampshire
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- Pet Insurance Policy$5k Coverage$10k CoverageUnlimited
- Average Cost for a Dog$29$55$57
- Average Cost for a Cat$16$27$37
HOW MUCH PET INSURANCE DO YOU NEED IN NEW HAMPSHIRE?
For the typical New Hampshire pet insurance buyer, we recommend annual coverage of $5000 to $15,000 with a reimbursement rate of at least 80%. It’s enough coverage to protect you financially if your pet is in an accident or suddenly becomes ill.
Compare the Cheapest Pet Insurance Quotes in New Hampshire
MoneyGeek wants to help pet insurance buyers in New Hampshire understand the typical options most companies in the state offer in their policies. These include:
- Annual reimbursement limits: ranges from $3,000 to unlimited
- Deductible: usually from $250 to $500, but some companies have higher or lower options
- Bill reimbursement percentage: 70-90%
Some New Hampshire pet owners may opt for less costly plans with lower coverage levels. This can be to keep premiums in line with their budget or because they do not think they need as much yearly coverage as $30,000 or unlimited. Others, of course, want those high coverage levels for optimum financial protection and peace of mind. MoneyGeek generally recommends the average coverage amounts shown below.
Cheapest Pet Insurance in New Hampshire by Coverage Level
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- Maximum Policy CoverageWinner: Cheapest PolicyAvg Cost
- $5,000Pets Best$20
- $10,000Figo$37
- UnlimitedPets Best$35
A low annual coverage limit, high deductible and low reimbursement rate are all things to keep in mind while trying to keep your costs low on pet insurance. The price of pet insurance plans in New Hampshire with maximum coverage limits of $5,000, $500 deductibles and reimbursement rates of 80% are listed below.
Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible
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- Pet Insurance CompanyLow Coverage Monthly Cost
- Pets Best$20
- Pet Plan$23
- Figo$24
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible
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- Pet Insurance CompanyAverage Coverage Monthly Cost
- Figo$37
- GEICO$46
- Embrace$46
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible
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- Pet Insurance CompanyUnlimited Coverage Monthly Cost
- Pets Best$35
- Healthy Paws$47
- Trupanion$49
The Best Cheap Pet Insurance by City in New Hampshire
Pet insurance rates vary by city due to various factors that influence pricing. The cost of living in certain New Hampshire cities is higher than in others, which leads to more expensive veterinary bills and, as a result, higher pet insurance premiums.
Weather, traffic and other factors that put pets at risk also mean that certain cities in New Hampshire have higher pet-related accidents than others. As with the cost of living, your pet insurance premiums may increase as a result.
Best Cheap Pet Insurance Companies by City
- CityCoverage Level and Average Monthly Rate
- Concord$5k: Pets Best, $20
Unlimited: Pets Best, $35
$10k: Figo, $37 - Manchester$5k: Pets Best, $20
Unlimited: Pets Best, $35
$10k: Figo, $37 - Nashua$5k: Pets Best, $20
Unlimited: Pets Best, $35
$10k: Figo, $37
MoneyGeek used city-based data in New Hampshire by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.
What Factors Impact Pet Insurance Cost in New Hampshire?
The factors that impact the cost of pet insurance in New Hampshire include everything from your pet's age, breed, the coverage level you choose, where you live, and the insurance company itself. Most policies allow you to customize the plan and coverage limits to create a policy that works for you and your pet.
Annual reimbursement limits
The annual reimbursement is the coverage limit you choose. It refers to the total amount of money your insurance provider will pay towards your pet’s medical expenses each year. Annual coverage plans in New Hampshire typically range from $3,000 to unlimited.
Deductible
The deductible is the amount you have to pay before your insurance kicks in. For the most part, a higher deductible will save you money on your insurance premium.
Bill reimbursement percentage
The reimbursement percentage (chosen by you) is applied after the deductible is paid. It’s the percentage of eligible expenses reimbursed to you by your insurance company, usually between 70% and 90%. If you have a higher reimbursement rate, your monthly payment will be higher.
Breed
The breed of your pet impacts the cost of your insurance coverage. Larger breeds cost more; cats cost less. Breeds with congenital issues are more expensive to insure than those without.
Animal age
As your pet ages, you can expect to pay more in pet insurance premiums. This is because many pets develop health problems as they become older.
Location
Your zip code can significantly impact the cost of pet insurance. The cost of living in your city and associated traffic or weather-related risks of living there can make veterinary care and pet insurance premiums more costly.
Multi-pet discounts
Discounts of 5% or 10% are available from most pet insurance companies if you have more than one pet insured with them.
FAQ’s About Pet Insurance in New Hampshire
Even though New Hampshire is one of the bottom ten states for pet ownership, more than 51% of households in the state have a pet. Not nearly that many have pet insurance.
MoneyGeek believes pet insurance is a good investment. It protects you financially and allows you to opt for medical treatments that you might otherwise not be able to afford. After all, veterinarian care can be extremely expensive and the largest bills are often unexpected.
For example, treating a cat with a urinary tract infection can easily run over $1,000, while a broken bone in your cat or dog might set you back well over twice that amount. If your pet swallows something they shouldn’t, the related surgery will cost more than $3,000. Skin conditions in dogs can cost $4,000 or more, with eye conditions nearly twice that.
Pets Best offers the most affordable pet insurance in New Hampshire, with an average cost of $20.22 per month for low coverage. Remember that your pet’s breed and age, the type of plan you choose and the maximum coverage level you select all have an impact on your pet insurance premiums.
Pet insurance costs around $54.72 per month for dogs and $27.16 per month for cats, on average, for a plan with a $10,000 annual coverage limit. Although prices may vary significantly based on your unique circumstances, charges can be as low as $28.81 for dogs and $15.69 for cats or as high as $56.89 for dogs and $36.83 for cats depending on the coverage level you choose.
There are a number of top pet insurance providers in New Hampshire that can help you save money on your pet's medical expenses. Based on MoneyGeek's analysis, Pets Best is the overall best choice. It is the most affordable, the best insurer for unlimited coverage and the best for multi-pet insurance. Figo is the best insurance company in New Hampshire for cat owners.
MoneyGeek's Rating Methodology for Pet Insurance
MoneyGeek firmly believes that data allows us to make better financial decisions. To help you find the most affordable policy to meet your budget and your pet's needs, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers.
To determine the best pet insurance companies in New Hampshire, MoneyGeek analyzed each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and our 24 qualitative research policy option data points at 50%.
To determine the cheapest pet insurance companies in New Hampshire and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across zip codes in the state for four pet types with the following coverage levels:
- Low Coverage: $5,000 Coverage, $500 Deductible, 80% reimbursement
- Average Coverage: $10,000 Coverage, $250 Deductible, 80% reimbursement
- High Coverage: Unlimited Coverage, $250 Deductible, 90% reimbursement
About Mark Fitzpatrick
sources
- AVMA. "AVMA Pet Ownership and Demographic Sourcebook." Accessed December 22, 2021.
- Care Credit. "Average Costs: Veterinary Care." Accessed December 22, 2021.
- Canine Journal. "Healthy Paws Cost of Pet Care Report 2019." Accessed December 22, 2021.
Pet Insurance
