The Best Pet Insurance in New Hampshire in 2025
Lemonade, Spot, and ASPCA lead our top picks for New Hampshire pet owners.
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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
New Hampshire pet parents have excellent options when choosing pet insurance. Our top picks include Lemonade, Spot, and ASPCA, and each stands out for its competitive rates and comprehensive coverage.
Pet insurance in New Hampshire averages $53 per month for dogs and $30 per month for cats. But your rates can vary depending on your pet’s age, breed, and the coverage level you choose.
We’ll tell you everything you need to know about pet insurance in the Granite State.
What You Need to Know About Pet Insurance in New Hampshire
Pet insurance in New Hampshire costs an average of $636 per year for dogs and $360 per year for cats.
Lemonade, Spot, and ASPCA are some of the best pet insurers in New Hampshire.
New Hampshire state law requires insurers to give you 30 days to cancel your policy for a full refund, as long as you haven’t filed a claim.[1]
In New Hampshire, insurers can impose a maximum waiting period of only 30 days for illnesses. But they can’t have waiting periods for accidents.
Compare Pet Insurance Companies in New Hampshire
We analyzed the best pet insurance companies in New Hampshire to help you find the perfect fit for your furry friend. The table below compares average rates for dogs and cats, plus key features like pre-existing condition coverage and waiting periods, according to our data.
 |  |  |  |  |
|---|---|---|---|---|
Avg. quote, dogs Prices based on average across all available dog breeds and locations $34/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $27/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $34/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $63/mo* | Avg. quote, dogs Prices based on average across all available dog breeds and locations $82/mo* |
Avg. quote, cats Prices based on average across all available cat breeds and locations $15/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $14/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $21/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $0/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations $34/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 80%–90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Save Money with New Hampshire’s Best Pet Insurers
Policies in New Hampshire start as low as $11 per month.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
Our Picks for the Best Pet Insurance Companies in New Hampshire
Everyone has different needs for their pets, so no one insurance company works best for every pet owner. We researched dozens of pet insurance companies to bring you these top recommendations for New Hampshire pet owners.
Lemonade: Best for dogs
Pros
Bundling discount of up to 15%
Can file claims through app
Donates “leftover” revenue to nonprofits
Cons
Doesn’t cover alternative therapies
Not available in every U.S. state
Some coverages available only as add-on
Lemonade offers the cheapest pet insurance rates for dogs in New Hampshire, according to Compare.com data. Beyond its affordable rates, Lemonade covers curable pre-existing conditions after 12 months and offers deductibles as low as $100.
But Lemonade isn’t available everywhere, so check if it offers coverage in your area. The company also doesn’t cover alternative therapies.
Spot: Best for cats
Pros
No age restrictions
Optional wellness plans
Multiple deductible and reimbursement options
Cons
No 100% reimbursement option
No option to pay vet directly
No coverage for exotic pets
Spot has the cheapest pet insurance rates for cats in New Hampshire, according to our data. The company covers behavioral and alternative therapies, giving your cat protection beyond traditional vet care. Plus, Spot typically processes claims within two days.
That said, Spot doesn’t offer 100% reimbursement, so you won’t get everything back that you pay out of pocket. It also doesn’t cover exotic pets.
ASPCA: Best for seniors
Pros
Multi-pet discount for additional pet
Covers alternative therapies
Covers hereditary and congenital issues
Cons
Low annual reimbursement limits
Relatively long claims processing
Must call for some quotes
ASPCA offers some of the most affordable rates for senior cats and dogs in New Hampshire, according to our data. It also offers a cheaper accident-only plan that’s perfect for seniors or pets with many pre-existing conditions. It even covers alternative therapies and hereditary issues.
But that extra coverage comes with trade-offs. ASPCA has lower annual reimbursement limits than other companies. It can also take a while to process claims.
Healthy Paws: Best for young dogs
Pros
Unlimited annual and lifetime payouts
Quick claims processing
Covers hereditary and congenital conditions
Cons
No accident-only plan available
Doesn’t offer a wellness plan
No coverage for exam fees
Healthy Paws has affordable rates for younger dogs. Its unlimited payouts and congenital condition coverage make it extremely valuable if your pet needs extended or expensive care.
That said, Healthy Paws doesn’t cover any exam fees. It also doesn’t offer wellness or accident-only plans.
Pumpkin: Best for young cats
Pros
Covers behavioral and dental issues
Includes optional wellness package
Unlimited annual reimbursement available
Cons
Preventive care available only as add-on
14-day waiting period for illnesses
Only two reimbursement rate options
Pumpkin has some of the cheapest rates for cats in New Hampshire, according to Compare.com data. It covers behavioral and dental issues that other companies might exclude. Plus, its optional wellness package provides extra value for pet parents who want comprehensive coverage.
But Pumpkin has a 14-day waiting period for illnesses. This means you won’t be able to file a claim if your pet gets sick within two weeks of signing up. The company also doesn’t offer as many reimbursement options as some other insurers.
Our editorial team selected these companies based on average premiums, available coverages, policy features, and more.
These factors include:
State-level average premiums by species, age, and breed
Available reimbursement rates, payout levels, and deductibles
Waiting periods for common conditions
Coverage for curable pre-existing conditions
Plan flexibility and policy management features
We prioritized each factor differently by category to provide the best recommendations for pet owners throughout the state.
The Cheapest Pet Insurance Companies in New Hampshire
Pet insurance rates vary significantly between insurers due to different deductibles, rate calculations, and coverage levels. Some focus on basic coverage, while others offer more comprehensive plans.
The table below lists the companies that offer the most affordable average rates for New Hampshire pet owners, according to Compare.com data.
The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT.
Company  | Average Monthly Premium: Dogs | Average Monthly Premium: Cats |
|---|---|---|
| Spot | $27 | $14 |
| ASPCA | $34 | $21 |
| Lemonade | $34 | $15 |
| Prudent Pet | $75 | $39 |
| Pumpkin | $82 | $34 |
New Hampshire Pet Insurance Laws and Requirements
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New Hampshire enacted comprehensive pet insurance regulations in 2023 that took effect Jan. 1, 2024. The state requires all policies to include:[2]
30-day grace periods allowing for a full refund if you don’t file a claim
Maximum 30-day waiting periods for illnesses or orthopedic conditions
No waiting periods for accidents
Up-front disclosure of pre-existing condition exclusions and waiting periods
Option to waive waiting periods with a vet examination
No vet exams required for policy renewal
How to Pick the Right New Hampshire Pet Insurance Company for You
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Shopping for pet insurance in the Granite State means considering your budget and your pet’s needs. Whether your dog loves hiking the White Mountains or your cat prefers cozy indoor winters, here’s how to find coverage that fits:
Assess your pet’s risk factors. Consider your pet’s age, lifestyle, and any breed-specific conditions. A younger cat probably has different needs than a senior dog.
Evaluate coverage options. Decide what kind of coverage you want for your pet. Some insurers don’t offer comprehensive plans for senior pets, while others may not cover alternative therapies.
Review waiting periods and exclusions. Check your policy to understand what it covers and if there are any waiting periods or exclusions for things like pre-existing conditions.
Check customer reviews. See what current customers have to say about different companies. Look for comments about service and claims processing times.
Compare quotes from multiple companies. Rates vary significantly between insurers, so you should get quotes from at least three companies. This can help you find the best coverage for your pet.Is pet insurance worth it in New Hampshire?
Find the Best Company for Your Furry Friend
Pets Best may be cheapest, but it won’t be right for every New Hampshire pet parent.
Secure. Free. Easy-to-use.
4.7/5 (1,395+ reviews)
New Hampshire Pet Insurance FAQs
From tick season to winter safety, New Hampshire pet parents have concerns about protecting their furry family members. Below, we answered some of the most common questions from Granite State pet owners.
What’s the best pet insurance in New Hampshire?
It depends. Lemonade and Spot top Compare.com’s list of the best pet insurance companies in New Hampshire. But the best pet insurance for you depends on your pet’s age, breed, and coverage needs.
What’s the average cost of pet insurance for dogs in New Hampshire?
Pet insurance for dogs in New Hampshire averages $53 monthly, according to Compare.com data. Senior dogs cost an average of $121 per month. Purebred dogs average $78 per month, compared to $57 per month for mixed breeds.
What is the average cost of pet insurance for cats in New Hampshire?
Cat insurance in New Hampshire averages $30 per month. Senior cats cost an average of $85 per month, purebred cats average $38 and mixed breeds cost $39.
Is pet insurance expensive in New Hampshire?
Not really. New Hampshire pet insurance costs are similar to neighboring states. New Hampshire averages $53 monthly for dogs and $30 monthly for cats, according to Compare.com data. Compare that to Maine’s averages of $49 per month for dogs and $26 per month for cats. Pet insurance in Massachusetts averages $52 per month for dogs and $27 per month for cats.
Is pet insurance worth it in New Hampshire?
Yes. Pet insurance provides valuable protection in New Hampshire. The Granite State has many outdoor activities and harsh winters, creating injury risks like tick-borne diseases, wildlife encounters, and frostbite. Pet insurance helps manage these unexpected expenses.
What does pet insurance cover in New Hampshire?
Most New Hampshire pet insurance policies cover accidents, illnesses, surgeries, medications, and diagnostic tests. Some plans include coverage for hereditary conditions, behavioral therapy, and alternative treatments like acupuncture. Wellness coverage for routine care is typically available as an add-on.
Disclaimer
Our editorial team created this article with the help of highly trained generative artificial intelligence (AI) tools. That said, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all of the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Methodology
Compare.com data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Compare.com’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of 8 quotes is required for dogs and 4 quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
Sources
- LegiScan. "Bill Text: NH HB249 | 2023 | Regular Session | Enrolled."
- National Association of Insurance Commissioners. "Pet Insurance Model Act."
