Forbes Advisor evaluated the leading pet insurance providers in New Hampshire to help you find the best coverage for your furry friends.
Our Expert Picks
Based on our analysis, Pets Best, ManyPets, and Embrace stand out as the top pet insurance companies in the Granite State. Our ratings considered plan pricing, coverage benefits, and the ability to pay the vet directly.
Pets Best
- Rating: 5.0
- Monthly average cost for dogs: $44
- Special waiting period: 6 months for cruciate ligament conditions
- Can pay the vet directly: Yes
ManyPets
- Rating: 4.3
- Monthly average cost for dogs: $30
- Special waiting period: None
- Can pay the vet directly: No
Embrace
- Rating: 4.0
- Monthly average cost for dogs: $78
- Special waiting period: 6 months for orthopedic conditions, but it can be waived with an orthopedic exam
- Can pay the vet directly: No
How Much Does Pet Insurance Cost in New Hampshire?
Pet insurance costs vary based on the type of animal and the coverage level.
- Dogs: An average of $81 per month for unlimited coverage.
- Cats: An average of $40 per month for unlimited coverage.
These figures are based on plans with unlimited annual coverage, a $250 deductible, and an 80% reimbursement rate.
How To Find the Best Pet Insurance in New Hampshire
When choosing pet insurance, consider these key features:
- 24/7 Vet Helpline: Many insurers offer access to veterinary professionals around the clock.
- Direct Vet Payments: Some companies, such as Pets Best, allow direct payments to the vet, reducing upfront costs.
- Multi-Pet Discounts: If you have multiple pets, seek policies offering discounts.
- Wellness Plans: These optional plans can help cover routine care costs like checkups and vaccinations.
- Coverage Waiting Periods: Be aware of the waiting periods before coverage begins, especially for specific conditions.
- Vet Exam Fee Coverage: Check whether the policy covers vet exam fees for accidents or illnesses.
Methodology
Our ratings are based on a detailed analysis of the following factors:
- Pet insurance rates (40%): Average New Hampshire rates for medium-sized dogs aged 3, 5, and 7 years, with unlimited coverage, a $250 deductible, and 80% reimbursement (or closest available options).
- Special waiting periods (10%): Plans with no waiting periods or shorter waiting periods, or the option to waive them, scored higher.
- Direct payment to vet (10%): Companies allowing direct payments to vets earned points.
- 24/7 vet health line (10%): Insurers providing 24/7 vet health lines were given credit.
- Routine wellness plans (10%): Offers of wellness plans boosted scores.
- Pays veterinary exam fees (10%): Policies including vet exam fees received credit.
- Euthanasia or end-of-life expenses (5%): Coverage for these expenses was considered.
- Multipet discount (5%): Discounts for insuring multiple pets were factored in.
New Hampshire Pet Insurance FAQs
- Is pet insurance more expensive in New Hampshire? New Hampshire has cheaper pet insurance than Arizona, Connecticut, and Massachusetts, but higher costs compared to California, Florida, and Georgia.
- What is the cheapest pet insurance in New Hampshire? ManyPets has the lowest average insurance price for dogs at $30 per month for unlimited coverage. For cats, ManyPets offers the cheapest insurance at $18 per month for unlimited coverage.
- Is pet insurance worth it in New Hampshire? The value of pet insurance depends on your financial situation and the potential for large vet bills. Consider your monthly premiums against the potential costs of treatment for illness or injury.
