Pet insurance is advantageous smart planning and is here to provide financial support during those emotionally challenging times. In the spirit of being prepared, we are here to share the 5 best pet insurance companies for New Hampshire residents so you can decide the best option for your dog or cat.
5 Top New Hampshire Pet Insurance for Dogs & Cats
Why it’s great: Lemonade ranks best overall for its affordable rates, preventative care add-ons, and comprehensive illness and accident coverage. Another significant benefit is that their waiting period for accidents is only 2 days (whereas other providers typically require 14 days). Lemonade also offers an easy-to-use claims filing system via their world-class mobile app to make the process faster and simpler. Finally, pet parents can bundle their policy with a renter’s or homeowner’s policy for an extra discount.
Keep in mind: If your pet is older or has pre-existing conditions, you may need to submit veterinary documentation of your little pal’s medical history before you can get an active policy.
Good for: Almost all dogs and cats, especially those that are young and healthy pets.
Average price for DOGS in Hampshire: $29.08/ month
Average price for CATS in Hampshire: $12.50/month
(Best for wellness)
Why it’s great: New Hampshire pet parents will love Wagmo because they reimburse up to 100% of vet fees for the rest of the year once you meet your deductible. Also, they have a wide range of wellness plan add-ons, and lightning-fast reimbursement via direct deposit, PayPal or Venmo. Their multiple pet discounts and discounts for renewals without claims in the previous year are a bonus perk. Also, you can take your pet to any licensed vet of your choice, which means you can keep your vet if you already have one you like.
Keep in mind: Wagmo has a lifetime payout limit of $100,000s, which means coverage will end should you reach that amount.
Good for: Pet parents who want a great wellness and care coverage combination.
Average price for DOGS in Hampshire: $39.27/ month
Average price for CATS in Hampshire: $23.96/month
(Best for cats)
Why it’s great: If you’re a cat parent, it is worth noting that Figo’s premiums for cats are some of the lowest out there. Figo understands that health emergencies don’t wait for conventional business hours, which is why they offer live, 24/7 veterinary support through their mobile app. Moreover, they feature several wellness packages that you can tack on to your basic policy, including an option that pays for up to $250 of prescription food if prescribed by your veterinarian. Figo also has unlimited lifetime benefits for all of their plans, meaning maximum lifetime payouts are now a thing of the past.
Keep in mind: Like most other pet insurance companies, Figo does not extend coverage to pre-existing conditions.
Good for: Pet owners who crave the peace-of-mind of being able to contact a vet 24/7 and have it covered by insurance.
Average price for DOGS in Hampshire: $35.09/ month
Average price for CATS in Hampshire: $17.72/month
(Best for pre-existing conditions)
Why it’s great: Regardless of age, breed or pre-existing conditions, Pawp protects up to 6 of your pets under an emergency fund for $24/month. This package also includes unlimited 24/7 access to telehealth services with licensed veterinarians and consultations with pet experts. Pet owners can also visit any licensed vet of their choice, and there are no copays, deductibles, or credit checks. The even better news is that you leave the veterinary clinic with your bill fully paid, saving you the hassle of having to submit a claim and wait for reimbursement.
Keep in mind: Pawp only covers claims that their virtual vets deem to be emergencies. Moreover, their “Emergency Fund” plan only covers one of your pets for a single vet bill up to $3,000 per year.
Good for: Older pets or those with pre-existing conditions. Also, a
good supplement for a typical pet insurance policy.
(Best established brand)
Why it’s great: Embrace has no maximum lifetime payout limits, which means your dog or cat will be eligible for coverage well into their lives. Along with multiple pet discounts, they also pride themselves in having “diminishing deductibles.” Therefore, your annual deductible automatically drops by $50 every year you do not have an insurance claim reimbursement. Their optional routine care plan covers spaying or neutering if your pet needs it. A unique aspect of Embrace’s coverage is its wellness plan, which includes alternative veterinary treatments such as acupuncture, massage therapy, chiropractic, and reiki.
Keep in mind: Pets only up to age 14 are eligible. Furthermore, the maximum combined claims for the wellness add-on is $650/year, which equates to approximately $25 in annual savings. Also, there are no refunds on wellness plans if all funds are not used within the space of a year.
Good for: Pet parents interested in new age, alternative veterinary care.
Average price for DOGS in Hampshire: $56.96/ month
Average price for CATS in Hampshire: $33.26/month
FAQs about Pet Insurance in New Hampshire
1. What does pet insurance typically cover for dogs and cats?
While coverage varies from one company to the next, you can expect coverage to extend to any injuries and illnesses deemed unexpected and sudden. Your policy will offer more specifics, but this typically includes exams, medications, tests, other diagnostic procedures, emergency care, and surgery.
2. How much does pet insurance cost in New Hampshire?
Vet bills in New Hampshire are a little higher than average in the U.S. Pet insurance costs anywhere from $16.03 to $48.40 per month for dogs (based on prices for a healthy 2-year-old located in the 03101 zip code). And anywhere from $15.00 to $18.69 per month for cats (based on prices for a healthy 2-year-old located in the 03101 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.
We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.
3. Can I cancel my dog or cat insurance plan after I make a claim?
You can usually cancel your policy at any time, but you will need to notify your provider in writing. Read the company’s policy details to determine their cancellation process. Any illnesses diagnosed before canceling may be deemed pre-existing conditions should you wish to reinstate your policy.
4. Do New Hampshire pet insurance companies cover spaying and neutering?
In general, pet insurance in New Hampshire does not cover the costs of getting your dog or cat spayed or neutered. However, some insurance companies offer wellness packages you can add to your policy to cover these procedures such as Embrace.
5. Does the cost of insurance increase as my pet ages?
Yes, monthly premiums tend to increase as your pet ages, particularly once they reach 4 or 5 years old. This is due to the increased likelihood of your pet getting sick as they age and the dog or cat insurance provider has to account for the elevated risk.
6. Which companies cover pre-existing conditions?
Pawp is best overall when it comes to covering pre-existing conditions especially when it’s an emergency that needs to be covered. Embrace also has policy terms that may grant coverage for curable pre-existing conditions, but it is best to clarify this with them upfront when you apply for insurance. That said, it is essential to note that most pet insurance companies will not cover pre-existing conditions at all. The upshot is that pre-existing conditions will not prevent you from being able to get a policy for your beloved dog or cat.
7. Is pet insurance worth it in New Hampshire?
There comes a time in most pets’ lives when they have an accident or experience the sudden onset of an illness. Pet insurance is a great way to be able to afford such emergencies. Therapies for diseases such as cancer can cost north of $10,000, and hip replacement surgery runs as high as $7,000. Pet insurance is there to alleviate the financial stress, so you can focus your energy on helping your little furry friend get well.
We hope this article has made the process of selecting the right pet insurance company a bit less of a headache. We suggest you take the necessary time to review the companies you’re interested in, along with their specific offerings, before applying for a policy for your dog or cat. Buying the right New Hampshire pet insurance policy will give your lil’ buddy the coverage they need for emergencies and preventative care, keeping them healthy for many years to come.
In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.
Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 03101 zip code. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:
- Wagmo = $20,000
- Figo = $5,000
- Pawp = $3,000
- Embrace = $5,000
- Lemonade = $20,000