7 Best New Hampshire (NH) Cat Insurance Plans Compared 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

Whether deciphering confusing policy language or determining the best cat insurance company, purchasing cat insurance in New Hampshire can seem like an overwhelming task. As a licensed New Hampshire insurance agent, I understand these stresses all too well, which is why my team and I have compiled extensive research for you specifically about New Hampshire cats. If you live in Concord, Nashua, Manchester, Hanover, Pittsburg, or somewhere between, this article has all the information you need to get started. Read more about our unbiased ranking methodology and advertiser disclosure.

Top New Hampshire (NH) Cat Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best New Hampshire (NH) Cat insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old New Hampshire (NH) Cat with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR NEW HAMPSHIRE (NH) CATS

$12.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best New Hampshire (NH) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
pumpkin logo
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR NEW HAMPSHIRE (NH) CATS

$21.32/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR NEW HAMPSHIRE (NH) CATS

$16.08/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR NEW HAMPSHIRE (NH) CATS

$17.72/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with New Hampshire (NH) Cat vets via video chat 24/7
  • They also have an easy-to-use pet records app and real-time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR NEW HAMPSHIRE (NH) CATS

$33.87/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR NEW HAMPSHIRE (NH) CATS

$23.96/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR NEW HAMPSHIRE (NH) CATS

$33.26/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR NEW HAMPSHIRE (NH) CATS

$12.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best New Hampshire (NH) Cat insurance policy at the most affordable rates
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

New Hampshire (NH) Cat Insurance FAQs

What is cat insurance? Why is it useful in New Hampshire?

To protect your cat to the fullest with insurance, be sure to register with an insurance provider and pay the monthly premium to maintain an active policy. Should your feline friend get sick or be involved in an accident, you must cover the vet bills upfront. After which, you can submit a claim for your insurance provider to reimburse you. Keep in mind that most cat insurance policies do not cover pre-existing conditions. This is an added reason to get your cat insured while still a kitten (after 8 weeks old).

Cat insurance is helpful in New Hampshire because emergencies occur in most pets’ lives, and treatments for diseases like cancer can run upwards of $5,000. In such instances, pet owners may face the difficult decision to euthanize their kitty because they don’t have the money to pay for the necessary care and procedures. Having cat insurance saves you from having to make such painful choices.

How old does my kitten need to be to get insured?

Cat insurance companies request that your kitten be at least 8 weeks old before you can put a policy in place for them. The good news is that there is usually no age limit. It is worth noting that younger cats are cheaper to insure, which is why we suggest getting your kitten insured before its turns one year old.

Is it worth getting cat insurance in NH?

As mentioned earlier, emergencies are an inevitable part of a cat’s life, which means high vet bills are too. Cat owners can spend upwards of $1,500 just for an urgent vet visit. The critical decision you need to make is whether paying monthly premiums mitigates potential, high costs you would have to pay out-of-pocket in the future.

What does cat insurance include and exclude?

Coverage differs from provider to provider. Before applying for an insurance policy, any health condition your cat may have had will be deemed a pre-existing condition and not eligible for claims. That said, coverage typically applies to any event that is considered “sudden and catastrophic.” Some such events may include lacerations, urinary blockages, eye infections, or allergies, to name a few. Something worth noting is that cat insurance companies are now offering add-on “wellness” packages that will cover the costs for routine care such as vaccinations, annual physical exams, deworming, etc.

How does reimbursement work?

Let’s say your cat needs an urgent $5,000 surgery for our hypothetical purposes. If your policy offers a 90% reimbursement amount, a $250 deductible, and a $15,000 annual maximum benefit, your provider will reimburse you $4,500 minus your $250 deductible. As a result, you would only pay $750 out-of-pocket instead of the total $5,000. If covering all such costs upfront would be difficult or stressful, you might consider Trupanion for your cat insurance since they directly pay all vets in their network.

Which is preferable: a higher or lower deductible?

This really depends on your financial situation and personal preference. If you choose a lower deductible, you will pay a higher monthly premium but face lower out-of-pocket costs for emergencies. On the other hand, if you choose a higher deductible, you will have a lower monthly premium but higher out-of-pocket costs in a crisis. Most providers have calculators on their websites you can use to determine what is the best option for you. We have found that most people prefer either a $250 or a $500 deductible.

Are there any restricted breeds for homeowners insurance in New Hampshire?

Unlike dogs, there are no specific breed restrictions for cats regarding homeowners insurance in New Hampshire. Nevertheless, we always recommend reaching out to your insurance provider to double-check what your policy includes and excludes and whether or not you will need a specific liability rider.

5 Useful Strategies for Keeping Your Cat Safe & Healthy in New Hampshire

New Hampshire is a marvelous place to have a cat, but its weather and wildlife may pose some challenges to keeping your furry friend healthy and safe. Here are some tips to help make that easier for you.

1. Keep your cat hydrated

We always recommend keeping a fresh bowl of water available for your cat at all times, especially during New Hampshire’s hot and humid summers. Be sure to wash the bowl regularly to prevent bacteria build-up. The second thing you can do to keep your cat adequately hydrated all year-round in New Hampshire is to add a couple of medium-sized spoonfuls of water to their food, regardless of whether it’s dry, canned, homecooked, or raw food. The added water brings out the food’s flavor and is more easily absorbed by your cat’s body.

2. Treat your cat for fleas and ticks

Like in most states, fleas and ticks are rampant in New Hampshire. Most flea and tick treatments come either as spot-on treatments or collars. Spot-on treatments tend to last longer and are generally more effective, but it is always worth consulting your vet to determine what would be best for your cat.

3. Get your cat vaccinated against rabies

In New Hampshire, skunks, raccoons, foxes, and bats are the primary carriers of rabies–all creatures your cat may encounter outdoors. When getting your cat vaccinated, keep in mind that it takes a month for the vaccine to take full effect, so you may want to keep your cat indoors for that period of time.

4. Protect your cat from dangerous animals

Porcupines and skunks are two of the most common animals in New Hampshire most likely to cause your cat trouble. Depending on where you live in the state, there are more deadly predators to be mindful of, though. Some of these include mountain lions, coyotes, the timber rattlesnake (rare), coyotes, hawks, and foxes. To help reduce the chances your cat will encounter most of these creatures, be sure to keep your kitty indoors from dusk until after sunrise.

5. Maintain a clean litter box

It is essential for your cat’s urinary health that the litter box be emptied at least twice per day, if not more. Another aspect of this is cleaning out the box at least once every two weeks and wiping it down thoroughly. During New Hampshire’s more humid months, those of you using clumping litter may find that it breaks down quickly, and the box will need to be cleaned, and the litter changed more frequently. Avoid using harsh chemical cleaners when cleaning your cat’s box, and opt for a simple vinegar and water solution.

Conclusion

Ultimately, choosing the best cat insurance in New Hampshire is far more straightforward than it may seem. We suggest getting cat insurance as soon as your kitten is older than 8 weeks. Regarding insurance, sooner is always better as you will get the best prices with the fewest restrictions. However, getting cat insurance at any point in your furry friend’s life will make things so much easier in a crisis and help support your cat’s well-being.

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for New Hampshire (NH) Cats

We ranked the best pet insurance policies for New Hampshire (NH) Cats based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old New Hampshire (NH) Cat with a $500 deductible located in the 03062 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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