Things to Consider Before Choosing Pet Insurance in New Hampshire
- The type of coverage you need: Some pet insurance plans only cover accidental injuries, while others also cover illnesses. You will need to decide what type of coverage is right for you and your pet.
- The cost of the plan: Pet insurance can be expensive, so it is important to find a plan that fits your budget.
- The deductible and reimbursement rate: The deductible is the amount of money you will have to pay out of pocket before your insurance kicks in. The reimbursement rate is the percentage of the vet bill that your insurance will cover.
- The waiting period: Some pet insurance companies have a waiting period before they will cover certain conditions. This is usually around 14 days.
- The policy limits: The policy limits are the maximum amount of money your insurance will pay out for a single claim or over the lifetime of your pet.
Introduction
New Hampshire is home to over a million Granite Staters, vast wilderness, and many furry friends. While the scenic views and large expanses of rural areas are great for fun activities with pets, they also have a lot of potential for injuries and accidents.
This is where pet insurance comes into play. Yet, pet parents find it difficult to find reliable pet insurance in New Hampshire, so we took matters into our hands. In this text, we picked the best pet insurance providers to make the decision-making process easier for you. Keep reading to find out the pet insurance NH cost, plans, and coverage.
Lemonade Pet Insurance
Lemonade is a traditional pet insurance provider with profound experience in the pet insurance business. Numbers speak louder than words, so Lemonade scored 96/100 on real user testimonials and for a good reason too.
Pros
- Opportunity to bundle with the housing insurance with a 10% discount;
- Preventative care option for young pets under 2 years of age;
- 2-days tops waiting period for an accident;
- High annual benefit limit.
Cons
- Age limits on older cats or dogs;
- Dental issues, illnesses, or treatments aren’t part of the plan.
Plans & Coverage
Lemonade offers a single coverage plan with all the possible life-threatening illnesses and accidents any pet can run into.
That means:
- Accidents: fractures, infections, poisoning, and other accidents;
- Congenital & Hereditary conditions: elbow, or hip dysplasia, allergies, or any other inherited illnesses;
- Common Illnesses: nausea, diarrhea, vomiting
- Chronic diseases: heart diseases, kidney failures, cancer, asthma;
- Hospitalization: surgeries, special care, outpatient, hospital needs;
- Tests and Screenings: blood tests, lab work, CT Scans, X-rays, ultrasounds, and all tests required for treating illness or injury;
- Therapy: physical therapy, chiropractic care, acupuncture;
- Med Prescription: Only if prescribed by a vet;
- Vet visit fees: exam fees.
Aside from the coverage plan, Lemonade offers well-crafted preventative care for pets under 2 years of age. This plan covers the initial vet visits, exam fees, and vaccinations that otherwise cost a fortune. Those interested in the entire coverage plan can file for the Premium plan.
Otherwise, the reimbursement rate takes all credits for customer satisfaction for two reasons: the customizable pricing plans and Lemonade’s responsibility to cover every pet under their wing. The reimbursement rate begins at 70%, 80%, and 90%.
Spot Pet Insurance
Spot Pet Insurance is one of the most famous NH pet insurance policies on this list because it was recognized by worldly magazines like Rolling Stone, Business Insider, and Forbes.
Spot NH pet insurance justified its place on this list because of the following:
Pros
- Exam-fees cover;
- Direct vet payments;
- Available preventative or wellness care;
- Paperless and hassle-free online claims.
Cons
- Long waiting period for accidents;
- Customer support only during the working week.
- Pricey premium plans.
Plans & Coverage
Spot pet insurance offers two types of plans: the Accidents-Only and the Accidents and Illnesses.
The Accidents-Only plan is the starter insurance pack that covers any incident and the necessary treatments afterward. The Accidents and Illnesses plan is the advanced plan that covers the accidents and any other disease — diagnosed or undiagnosed.
As for the premium plan, or the ultimate one, you can add the Optional Preventative Care coverage. It should help you in raising your puppy or kitty, cover for the needed vaccinations and initial vet visits that are way too pricy these days.
Below is Spot’s list of the entire coverage plan:
- Accidents: fractures, predator bites, indigestion, extraction of foreign objects, bites;
- Illnesses: vomit, nausea, coughs, fevers, colds;
- Hereditary & Congenital Conditions: any pet illness inherited from the parents doesn’t count as a pre-existing condition;
- Chronic Illnesses: asthma, kidney or liver illness, diabetes;
- Cancer: Spot ensures all the follow-ups coming after your pet gets diagnosed with cancer.
Another positive feature of Spot Pet insurance is the insurance for Alternative and Behavioral therapy. New Hamshire has Nature’s blessing, and any furry friends deserve to improve their unhealthy habits.
- Alternative Therapies: acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, low-level laser therapy;
- Behavioral Therapy: anxiety, excessive licking, ruining of the home or furniture, fur pulling, aggression, and other compulsive behaviors.
Spot Pet Insurance has a fully customizable plan. Pet parents can customize the reimbursement rate from 70%, 80%, or 90%, deductibles from $100 – at the lowest to $1000 at the highest, and annual benefit limits from $2,500 to unlimited – all according to pet parents’ wallet preferences.
The Accidents-Only plan costs only $17, so anything extra will be charged accordingly.
Embrace
Embrace is another traditional pet insurance for dogs in New Hampshire. It has 9/10 customer satisfaction for its service, but most importantly for the sustainable and affordable policy.
Pros
- Short waiting period for accidents;
- Offers free medical history review;
- Covers vet visits, and check-ups, after an accident;
- Diminishing deductible that reduces by $50 of the original.
Cons
- Hidden fees;
- Low cap for the wellness plan.
Plans & Coverage
Embrace considers any life hazard your pet may run into and therefore covers the basics:
- Accidents and illnesses: any injury, accident, poisoning, predator attack, wounds, fractures;
- Seasonal sickness: fever, cold, nausea, diarrhea, flu;
- Chronic Illnesses: cardiac diseases, kidney failures, asthma, cancer;
- Specialty care: elbow or hip dysplasia;
- Preventable conditions: Lyme disease, parasites, parvo.
Additionally, Embrace has your back when it comes to:
- Dental Accidents and Illnesses: Embrace covers dental illnesses and accidents up to $1,000
- Follow-ups: Embrace provides coverage for any treatment following a covered illness or injury as per your plan. This includes surgery, medications, examinations, scans, and hospitalization;
- Breed-specific & Genetic conditions: any inherited illness is covered isn’t treated as a pre-existing condition;
- Behavioral Therapy: separation therapy.
Embrace is one of the most affordable pet insurance policies out there in New Hampshire. Firstly, they have a diminishing deductible – that means if you don’t file a claim in a year, the deductible will diminish by $50. Then, Embrace offers a reimbursement rate of up to 90%, which is close to the absolute coverage you can get via Direct Vet Pay. Direct Vet Pay will cover the bills as soon as you head home.
Healthy Paws
Healthy Paws was initially a non-profit organization that helped pet parents on a budget and many pet shelters. Its mission was to raise awareness of pet rights, and that’s how the insurance branch got born. Thanks to their partners – Aon Corporation – Healthy Paws is one of the most popular pet insurance companies; hence the qualifications for the best pet insurance New Hampshire has to offer.
Pros
- 30-day money-back guarantee;
- No annual benefit limits or lifetime;
- Long experience in the insurance business;
- Includes more therapies than their competitors.
Cons
- Vet examination fees and wellness care aren’t part of the coverage plan;
- Yearly waiting period for hip dysplasia.
Plans & Coverage
Healthy Paws offers a single plan that covers all pet’s needs. So, the plan includes:
- Accidents & Illnesses: broken bones, poisoning, snake bites, predator attacks;
- Hereditary & Congenital Conditions: Hip and Elbow Dysplasia, Intervertebral Disc Disease, Cherry Eye, tests, scans, and X-rays;
- Chronic Conditions: diabetes, obesity, arthritis, upper chronic respiratory diseases, lower urinary tract diseases, kidney failures, glaucoma, hypothyroidism, allergies, and herpes.
Healthy Paws includes Alternative Therapies and other treatments that many insurance competitors exclude from their lists.
- Alternative care: chiropractic, hydrotherapy, laser therapy, massage, acupuncture, veterinary herbal therapy, homeotherapy.
- Cancer: chemotherapy, lab tests, surgery, diagnostics, med prescriptions, alternative therapy, radiation therapy, diagnostics, rehabilitation;
- Emergency & Specialty Care: neurology, cardiology, ophthalmology, internal medicine, critical care, oncologists for cancer treatments;
Yet, another good thing about Healthy Paws is the affordable monthly costs. Healthy Paws determines the prices according to pet breed, type, and age. Therefore, an average adult dog’s insurance will be $40 and $12 for cats. Healthy Paws doesn’t have annual limits, but it offers up to 90% reimbursement.
Prudent Pet
US News put Prudent Pet in the first place of the best pet insurance companies in 2023. Since this is apparently the year of Prudent Pet, we check if they work as the best pet insurance New Hampshire.
Pros
- Muti-pet discounts;
- No limits on elder pets;
- 60% of the claims are processed daily;
- Travel insurance for the U.S., Canada, Puerto Rico;
Cons
- $2 transaction fee;
- Long waiting period for accidents;
Plans & Coverage
Prudent Pet divides the insurance coverage into three plans: Basic, Essential, and Ultimate.
The Basic Plan is more like a starter plan covering the following:
- Accidents: fractures, bites, wounds, injuries;
- Dental Accidents: If a pet gets undergoes accidents resulting from dental issues, it will be covered.
The Essential Plan covers the Basic and the following additional policies:
- Random or Seasonal Illnesses: flu, fevers, nausea, diarrhea, coughs;
- Chronic Conditions: asthma, heart diseases, kidney failures, etc;
- Hereditary or Congenital Conditions: eye, ear, or skin infections, birth deformities, hip or elbow dysplasia, or any other ailment your pet may inherit.
- Cancer: All the necessary treatments that come after a pet gets diagnosed with cancer.
The Ultimate Plan covers both the essential and basic plan, plus:
- Advertising: lost pets, rewards, reimbursement for theft, or stray pets
- Travel: boarding expenses, vacay travel insurance
Prudent Pet’s pricing plan is super flexible and offers many options you can tailor.
Their deductibles range between $100 to $250, $500, and $1,000. As for the annual benefits, the Basic and Essential plans are capped at $10,000, while their Ultimate plan has unlimited coverage.
The reimbursement rate is also adjustable, and you can select 70%, 80%, or 90%.
ASPCA
According to US News, ASPCA is among the top 5 pet insurance policies for 2023. Therefore, we decided to test them for the best pet insurance NH has to offer.
Pros
- Multi-pet discounts;
- Standard plans cover microchips;
- Alternative and behavioral therapies;
- Coverage for some pre-existing conditions.
Cons
- Unavailable plan amends for a year;
- Lengthy waiting period for accidents.
Plans & Coverage
ASPCA offers Accidents-Only and Complete Coverage plans. The Accidents-Only is more like a basic or starter coverage plan covering only the accidents and the follow-ups from that accident. That means the vet bills and necessary procedures for any wound, poisoning, predator bite, or fracture your pet may suffer will be covered.
The Complete Coverage counts a broader specter of treatments covered:
- Random illnesses: digestive issues, ear, eye, and skin infections, urinary tract infections, hypothyroidism, and other common or seasonal diseases;
- Hereditary & Congenital Conditions: hip or elbow dysplasia, cardiac illnesses, IVDD, eye issues, and inherited illnesses;
- Chronic Illnesses: diabetes, cancer, asthma;
- Cancer: ASPCA covers the needed cancer treatments;
- Scanning & Tests: ultrasounds, bloodwork, lab work, MRIs, and other tests and lab examinations;
- Therapy types: rehabilitation and chiropractic treatment;
- Preventive behavioral interventions: destructive chewing, pacing, licking, fur pulling, separation;
- Med prescriptions – only if prescribed by a vet;
- Microchip implants.
ASPCA tops the complete coverage with a Wellness plan – super convenient for young pet parents or pets under 2 years of age. It covers all their vet check-ups and common vaccines required in the pet’s first years of life.
ASPCA’s pricing side is more attractive for pet parents because it is fully customizable. They can arrange a deductible from $100, $250, or $500, with a reimbursement rate starting from 70%, 80%, and 90%. As for their annual benefit limit, it begins with $3,000 and moves on to $4,000, $5,000, $7,000, and $10,000.
Figo
Figo Pet Insurance is another in the line of minimal-cost and maximal coverage policies – perfect for Granite Staters.
Pros
- Doesn’t assign any pet insurance;
- Positive feedback from real users;
- Claim processing for roughly 3 days;
- 24/7 customer support.
Cons
- $2 transaction fee;
- $15 administrative fees;
- Age limits for senior cats and dogs;
Plans & Coverage
Figo pet insurance New Hampshire offers three different plans for Granite Staters: Essential, Preferred, and Ultimate.
Every plan covers the same pet health perils, but they have different annual benefits limits. Namely, the Essential Plan is limited to $5,000 annually, the Preferred Plan is limited to $10,000, and the Ultimate Plan is unlimited.
As for the coverage, Figo covers the following:
- Accidents: fractures, wounds, bites, extractions of foreign objects, poisoning, and so on;
- Illnesses: flu, fever, coughs, nausea, vomiting, diarrhea;
- Hereditary and congenital conditions: any illness inherited by their parents doesn’t count as a pre-existing condition;
- Hospitalization: essential tests, lab works, examinations, or other follow-ups of a covered illness or accident
- Chronic conditions: Asthma, heart diseases, kidney disease, advanced treatments like CyberKnife, and radiosurgery.
Figo Pet Insurance offers a Wellness Plan as an add-on to the coverage plan. This will save money as any vet check-ups, pet vaccination, or other necessities a young pet needs will be covered. Figo’s deductibles vary from $100 to $1,500, while reimbursement rates range from 70% to 100%.
FAQ: Pet Insurance in New Hampshire
How much is the pet insurance in New Hampshire?
It varies from provider to provider, and it depends on the plan. Most pet insurance policies are flexible, which means you’ll pay as much as your pet needs.
How much is the pet insurance for dogs in New Hampshire?
Roughly, the pet insurance for dogs in NH is around $40, while the pet insurance for cats NH is around $12.
