Pet Insurance in New Hampshire
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UPDATED: Mar 4, 2021
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You wouldn’t sit back and watch your spouse or children experience illnesses without treatment, so as a pet parent, why would you do it with your furry family?
Pets are a part of the family, and whether you own a cat, a dog, or a more exotic animal, you wouldn’t want them to suffer unnecessarily.
Getting treatment for your pet’s illnesses or even routine vet bills can be expensive, and that’s where pet insurance comes in. Is it worth it? Just like any other insurance policy, home, life, or auto insurance, the answer is YES–peace of mind is invaluable!
New Hampshire pet insurance is readily available, with many pet insurance companies offering competitive pet plans for your furry family member.
We’ve examined over 30 pet insurance companies in New Hampshire and provided you with a list of five companies to help you get the best deal on your pet’s coverage.
No matter where you live in the “live free or die state”, from Concord to Manchester, you can find affordable pet health insurance for your fur baby.
Pet Insurance in New Hampshire
Here are the top 5 pet insurance providers in NH:
Embrace Pet Insurance
Embrace’s entry-level plans are some of the cheapest in the industry.
With policies available that start at $13.04 for dogs and $8.98 for cats, prices are well below the national average.
Reimbursements and coverage caps depend on the chosen plan. Claims can be reimbursed at between 65 and 90 percent, and coverage caps range between $5,000 and $15,000.
Embrace has a rating of A+ from the BBB and shows 20 complaints on file, all of which were closed in the past 12 months.
Embrace provides medical and wellness insurance for dogs and cats. Their mobile app makes submitting claims a simple and stress-free experience. There is a range of customizable plans available from Embrace that aim to make pet insurance accessible for everyone, even those on a tight budget.
|Monthly Costs||Premiums start at $13.04 for dogs and $8.98 for cats|
|Coverage||Reimbursement rates between 65 and 90 percent, depending on the plan|
|Payout Limits||$5,000 to $15,000 annually, depending on the plan|
|Deductible||$100-$1,000 paid annually|
Learn More: Read our full Embrace Pet Insurance Review.
Figo Pet Insurance
While the average premium costs of $52.85 for dogs and $28.99 for cats are more expensive than the national average, the fact that 100-percent reimbursement rates are available makes Figo an appealing choice.
Its A+ BBB rating, coupled with a low number of annual complaints filed, make Figo an enticing choice.
Figo provides medical insurance for cats and dogs. As Figo has no upper age limit on its plans, this company could be a good fit for consumers who are looking to insure an older pet.
|Monthly Costs||Premiums start at $52.85 for dogs and $28.99 for cats|
|Coverage||Reimbursement rates of between 70 and 100 percent depending on the plan|
|Payout Limits||$10,000, $14,000, or unlimited, depending on the plan purchased|
|Deductible||$50-$500 paid annually|
Learn More: Read our full FIGO Pet Insurance Review.
PetFirst Pet Insurance
PetFirst boasts some of the lowest starting prices in the whole industry and it’s per-incident deductible is an advantage if your pets should contract a chronic disease.
PetFirst has a ranking of A+ with the BBB, which may be partly attributed to the fact that it averages only seven complaints a year.PetFirst provides both medical and wellness insurance for cats and dogs.
The company offers customized plans that can be tailored to suit the individual requirements of both pets and owners.
Now that you’ve had an opportunity to survey the five best options in New Hampshire, you can confidently choose the best insurance for your pet and budget.
|Monthly Costs||Plans start at $16.95 for dogs and $8.95 for cats|
|Coverage||Reimbursement rates available are between 70 and 90 percent|
|Payout Limits||$5,000, $10,000, or $20,000 annually|
|Deductible||$50-$500 per incident|
Learn More: Read our full PetFirst Review.
Nationwide Pet Insurance
Plans from Nationwide start at $34.25 for dogs and $18.84 for cats per month.
While this is higher than the national average, it’s indicative of the company’s high reimbursement rate and low deductibles.
Nationwide has a rating of A+ from the Better Business Bureau (BBB).
In an average year, Nationwide receives around 100 complaints.
However, this number includes all divisions of the company, such as the car and homeowners insurance departments, and so should be taken with a grain of salt.
Nationwide provides some of the most comprehensive pet insurance plans available today, with medical, accident, and wellness coverage for many animals, including dogs, cats, and birds.
Learn More: Read our full Nationwide Pet Insurance Review.
|Monthly Cost||start at $34.25 for dogs and $18.84 for cats|
|Coverage||90 percent reimbursement rate|
|Payout Limits||$10,000 to unlimited, depending on the plan purchased|
|Deductible||$100-$250 paid annually|
Trupanion Pet Insurance
Minimum monthly premium’s with Trupanion’s start at around $59.21 for dogs and $32.41 for cats.
While this is more expensive than the national average of $44.66 for dogs and $27.93 for cats, according to the North American Pet Health Insurance Association, Trupanion’s policies do cover a vast range of treatments.
Trupanion is also one of the few companies to pay reimbursements straight to vets.
The Better Business Bureau (BBB) awarded Trupanion a rating of A+ and reports a total of 74 complaints filed and closed in the past three years.
Trupanion provides customizable medical plans for cats and dogs, as well as additional coverage options that can help with the cost of prescription pet food.
|Monthly Costs||Starts at $32.83 for dogs and $17.19 for cats|
|Coverage||Reimbursement rates between 70 and 90 percent depending on the plan|
|Deductible||$100 to $500|
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What Does Pet Health Insurance Cover?
Again just like home insurance or human health insurance, pet insurance plans can be customized to fit both your pet’s needs and your budget. It’s a good idea to get at least three different pet insurance quotes to compare prices and plans.
Most plans come with annual deductibles and reimbursements between 70%-100% depending on the payout rates. Waiting periods vary, especially with hereditary conditions.
Some companies like Healthy Paws have a 12 month period, while others like Trupanion have zero waiting periods on hereditary conditions. We want to help you find the best pet insurance, making sure your furry family member has access to the best medical care available.
As a disclaimer, pre-existing conditions will not be included in any pet insurance coverage plans.
Here’s a list of items pet insurance policies routinely cover:
- Most of your veterinary bills, in some cases up to 90% of costs are covered
- Annual checkups: x-rays, examinations, spay/neuter
- Hereditary conditions like hip dysplasia
- Cancer treatment
- Emergency Care in an animal hospital
- Alternative veterinary medicine
Pet Insurance in NH
You’re probably aware that the costs associated with owning your pet are rising, and you won’t be surprised to find out that the costs of insuring a pet are on the rise too.
You should always conduct thorough research before you invest in pet insurance in New Hampshire.
The prices that vets charge in your area will likely directly impact the price you pay for your pet insurance.
According to Petplan, the average annual cost of unexpected veterinary care for pets in New Hampshire is between $1,201 and $1,300.
This is a considerable amount of money, and not all pet owners can afford to pay such a sum on short notice.
So protect your furry friend today with pet insurance in NH.