Get the Best Pet Insurance in New Hampshire in 2025

Sponsored by Figo Pet Insurance

If you’re a pet owner in New Hampshire, choosing the right pet insurance can feel like a challenge. With the Granite State’s mix of snowy winters and endless outdoor activities, pets can face a variety of risks throughout the year. That’s why finding an affordable plan to cover unexpected health issues is key to keeping your furry companion safe and healthy.

This guide will walk you through pet insurance options in New Hampshire, including what coverage to look for, average costs, and top providers. By the end, you’ll feel confident about picking a plan that fits your needs and protects your pet all year long.

Summary: Best New Hampshire Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 2/10/2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in New Hampshire?

According to our research, New Hampshire pet insurance costs an average of $41 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $71 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two New Hampshire cities: Manchester, a major urban center, and Portsmouth, an average-sized city for the state.

It's important to note that your own New Hampshire pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in New Hampshire

Per our research, the average cost of pet insurance for a medium-sized mixed breed dog in New Hampshire is $41 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $71 monthly.

Cost of Pet Insurance in New Hampshire by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in New Hampshire:

Cost of Pet Insurance for Cats in New Hampshire

Pet insurance for cats is significantly cheaper than dog insurance in New Hampshire. The average monthly cost for cat insurance in the state ranges from $18 to $45, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in New Hampshire by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of New Hampshire pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in New Hampshire

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in New Hampshire

New Hampshire’s changing seasons and abundant wildlife make it a great place for pets, but they also bring unique risks. From tick-borne illnesses to harsh winters, New Hampshire pet owners need to be prepared for a variety of challenges.

Tick-borne diseases like Lyme disease and anaplasmosis are common in New Hampshire, especially in wooded and grassy areas. Pets that spend time outdoors are at higher risk, making year-round tick prevention essential. Additionally, harmful algal blooms in lakes and ponds can release toxins that are dangerous if ingested. Keeping pets away from affected water helps reduce this risk.

Wildlife encounters are another concern. Coyotes, raccoons, and bats are common in the state and can expose pets to diseases like rabies. Keeping pets supervised outdoors and ensuring their vaccinations are up to date are simple but effective ways to keep them safe.

New Hampshire’s cold winters add to these challenges. Pets left outside too long in freezing temperatures can suffer from frostbite or hypothermia. Providing warm shelter and limiting outdoor exposure during extreme cold is essential for their wellbeing.

A pet insurance plan with comprehensive coverage for preventive care, illnesses, and emergencies helps protect pets from New Hampshire’s unique risks, ensuring they stay safe in every season.

Here are some important features New Hampshire pet parents should keep in mind when selecting the best pet insurance plan in the Granite State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially important in a state like New Hampshire, where harsh weather and local wildlife can create potential risks for pets.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Having coverage for exam fees can result in significant long-term savings.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

New Hampshire Pet Laws

New Hampshire, known for its scenic landscapes and pet-friendly communities, has laws in place to ensure responsible pet ownership and public safety. Here are some key regulations pet owners should know:

• Dog licensing. All dogs must be licensed annually to comply with state law. Owners must provide proof of rabies vaccination when obtaining a license.
• Running at large. Dogs cannot roam off their owner’s property unless under the control of a person. Any dog found running at large may be seized by an authorized official.
• Rabies control. If a dog bites a person and breaks the skin, an animal control officer must notify the victim within 24 hours regarding the dog’s rabies vaccination status. During a rabies outbreak, towns may require all dogs to be muzzled or restrained, and any unconfined dog may be impounded.
• Nuisance and vicious animals. A dog may be considered a nuisance if it barks excessively, chases cars, or repeatedly roams off its property. A dog that growls, snaps, or bites may be deemed a menace or vicious under state law.
• Animal custody in divorce. New Hampshire law requires that property settlements in divorce proceedings take an animal’s well-being into account when determining ownership.

Manchester Pet Laws

Manchester, the largest city in New Hampshire, has comprehensive pet laws to help people care for their pets and keep everyone safe. Here are some important rules that pet parents should keep in mind:

• Dog licensing. All dogs must be licensed annually. Fees vary based on whether the dog is a puppy, spayed/neutered, or intact. Discounts are available for senior citizens and group licenses.
• Waste removal. Owners must clean up after their dogs and properly dispose of waste on sidewalks, streets, public areas, and private property they do not own.
• Running at large. Dogs cannot roam freely off their owner's property. A dog is considered “at large” if it is in a public space or on another person’s property without a leash or carrier.
• Impoundment of stray dogs. Police officers are responsible for capturing and impounding dogs found running at large. If a dog has identification, the owner will be notified within 24 hours. Unclaimed dogs may be placed for adoption or otherwise handled by the Friends of the Manchester Animal Shelter after a minimum seven-day holding period.

Nashua Pet Laws

From the picturesque trails along Mine Falls Park to the bustling streets of downtown, Nashua welcomes pet owners – but with a few important rules to keep the city clean and safe. Here’s what pet parents need to know:

• Dog licensing. All dogs in Nashua must be licensed annually, with fees based on factors like spay/neuter status.
• Running at large. Dogs must stay on their owner's property unless leashed or otherwise physically restrained. The only exception is in a city-approved, fenced off-leash dog park.
• Animal impoundment. Animal Control Officers (ACOs) can impound stray or unlicensed dogs, female dogs in heat found outside their home, and nuisance or injured cats or ferrets. Chickens wandering off their owner’s property may also be impounded.
• Waste removal. Dog owners are required to clean up after their pets in public spaces and on private property unless they have the property owner's permission. When out with their dog, they must carry a means of waste removal.

Concord Pet Laws

From the scenic trails of White Park to the historic streets of downtown, Concord is a great place for pet owners, as long as they follow the city’s pet regulations. Here are some important laws to be aware of:

• Dog licensing. All dogs four months and older must be licensed each year. Licenses are valid from May 1 to April 30, regardless of when they are obtained.
• Rabies vaccination. To license a dog, owners must provide proof of an up-to-date rabies vaccination, such as a rabies certificate, to the City Clerk's Office.
• Waste removal. Owners must clean up after their dogs in public places, including sidewalks, parks, and streets.
• Private property rules. Dogs are not allowed to defecate on private property that is not owned by their handler, unless the property owner has given permission.

Common Pet Risks in New Hampshire

New Hampshire’s forests, lakes, and changing seasons create an exciting environment for pets, but they also come with unique risks. From parasites to extreme weather, pet owners should be aware of potential hazards to keep their furry companions safe.

• Tick-borne diseases. Pets in New Hampshire are at risk of tick-borne illnesses, including Lyme disease and anaplasmosis. Ticks thrive in wooded and grassy areas, making year-round prevention essential. Regular tick checks and veterinary-recommended preventatives help reduce the risk of infection.
• Harmful algal blooms. The state’s lakes and ponds sometimes experience harmful algal blooms, which can release toxins dangerous to pets if ingested. Dogs that swim in or drink contaminated water may suffer from vomiting, diarrhea, or more severe health issues. Always check water quality advisories before letting pets near lakes or ponds.
• Wildlife encounters. New Hampshire’s diverse wildlife, including coyotes, bats, bobcats, and raccoons, can pose threats to pets. These animals may carry diseases like rabies or cause injuries if they feel threatened. Keeping pets supervised outdoors and ensuring vaccinations are up to date helps prevent dangerous interactions.
• Harsh winter conditions. The state’s long, cold winters bring risks like frostbite and hypothermia for pets exposed to freezing temperatures for too long. Short-haired breeds, puppies, and senior pets are particularly vulnerable. Providing warm shelter and limiting outdoor time in extreme cold helps keep pets safe.
• Poisonous plants. Certain plants common in New Hampshire, such as foxglove and mountain laurel, can be toxic to pets if ingested. Symptoms may include vomiting, drooling, or more serious health complications. Pet parents should identify and remove harmful plants from their yards and monitor pets during outdoor activities.

Veterinary Costs in New Hampshire

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in New Hampshire is $81. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in New Hampshire

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in New Hampshire:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in New Hampshire. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in New Hampshire FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens