7 Best New Hampshire (NH) Dog Insurance Plans Compared in 2021

Updated on , by Matthew H. Nash – Licensed Insurance Agent

As a licensed New Hampshire insurance agent and lifelong dog owner, I know policy language can be confusing. So I have done extensive research for to make it easy for you to select the right New Hampshire dog insurance that will suit you and your family’s requirements. Whether you live in Manchester, Colebrook, Hanover, Portsmouth, or Nashua or anywhere in between, you will find all the information you need in this article. Read more about our unbiased ranking methodology and advertiser disclosure.

Top NH Dog Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best dog insurance providers in New Hampshire. The average monthly New Hampshire specific prices are shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in New Hampshire with a 03062 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of September 2021 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 New Hampshire pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEW HAMPSHIRE

$29.08/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around New Hampshire dog 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
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to New Hampshire pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEW HAMPSHIRE

$35.09/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with New Hampshire 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
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to New Hampshire pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEW HAMPSHIRE

$39.27/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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to New Hampshire pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEW HAMPSHIRE

$69.57/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
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to New Hampshire pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEW HAMPSHIRE

$43.25/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 mutual insurance company supported by its members
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to New Hampshire pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEW HAMPSHIRE

$56.96/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
spot pet insurance
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to New Hampshire pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN NEW HAMPSHIRE

$44.84/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Spot offers pet microchip implantation as part of standard coverage
  • They have an easy-to-use website and provide a 30-day money-back guarantee
  • Founded in 2017 and underwritten by Crum & Foster

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

STANDARD PLAN
COST IN NEW HAMPSHIRE

$29.08/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around New Hampshire dog 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

How much does dog insurance cost in New Hampshire for the 15 most popular breeds?

The price for New Hampshire dog insurance is almost always the same throughout the state including in Manchester, Nashua, Concord, Derry, Dover, or Rochester, etc. However, the prices will vary based on the age, health and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of September 2021 and are subject to change. If you’re looking for the most up-to-date cost of dog insurance in New Hampshire we suggest getting a quote directly with Figo or Lemonade.

  1. Mixed Breed – $25.76/ mo
  2. Labrador Retriever – $35.09/ mo
  3. Golden Retriever – $35.02/ mo
  4. German Shepherd – $37.88/ mo
  5. Goldendoodle – $30.48/ mo
  6. Chihuahua – $16.03/ mo
  7. Siberian Husky – $35.21/ mo
  8. Yorkshire Terrier – $22.12/ mo
  9. American Pit Bull Terrier – $38.97/ mo
  10. Australian Shepherd – $24.24/ mo
  11. Dachshund – $22.86/ mo
  12. Shih Tzu – $20.37/ mo
  13. French Bulldog – $48.20/ mo
  14. Boxer – $48.40/ mo
  15. Labradoodle – $30.48/ mo

Not finding your specific dog breed? Lemonade pet insurance is our #1 recommendation for New Hampshire and they’ll be able to give you a quick quote for your exact needs.

New Hampshire Dog Insurance FAQs

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

To protect your dog to the fullest with pet insurance, sign up with an insurance company and pay a monthly premium to keep the policy active. Should your dog become sick or have an accident, the standard protocol is that you pay the vet bill upfront. Then, you submit a claim to your insurance provider for reimbursement. It is worth noting that insurance companies exclude pre-existing conditions. For this reason, we advise dog owners to get a policy in place while their pet is still in the puppy phase (after it is 8 weeks old).

While New Hampshire doesn’t have the highest veterinary costs, it’s undoubtedly in close competition with states with the highest prices, such as Maine, California, and Hawaii. Dog insurance can benefit dog owners in New Hampshire significantly since treatments of severe illnesses like cancer may cost upwards of $10,000. It is unfortunate how frequently uninsured pet owners have to put their animals down because they cannot afford the necessary treatments.

At what age can I get my dog insured?

Most dog insurance companies require puppies to be at least 8 weeks of age before being insured. The good news is most providers do not have an age limit for getting your dog an insurance policy. Keep in mind: younger dogs tend to be significantly cheaper to insure. We advise dog owners to get their furry pal insured before their first birthday.

Is it worth getting dog insurance in New Hampshire?

Having your dog insured against life’s inevitable emergencies could be a tremendous benefit if you live in New Hampshire. Spending $3,000 or more for an urgent visit to the vet is not unheard of. That said, you will need to determine whether paying monthly insurance premiums is worth the offset of potentially high out-of-pocket costs in the future.

What does dog insurance include and exclude?

Coverage differs from one dog insurance provider to another. Still, a good rule of thumb is that any illnesses or accidents are covered as long as they are not explicitly listed as excluded in your policy. Some incidents such as swallowing a toy ball, broken bones, Lyme disease, or oral infections tend to be covered. That said, if your dog has cancer when you apply for insurance, this will be deemed a pre-existing condition and will not be covered. Many companies offer “wellness” packages that you can attach to your standard policy. Such add-ons cover regular physical examinations, vaccinations, and heartworm prevention, and more.

How do I get reimbursed by my dog’s insurance provider?

Reimbursement is relatively straightforward. Let’s say you select a dog insurance policy that has an annual maximum benefit of $20,000, 90% reimbursement, and a $250 deductible, and your dog needs a $5,000 emergency surgery. In which case, the insurance company would reimburse you $4,500 less your $250 deductible. Your final cost would be $750 instead of the original $5,000. Trupanion, on the other hand, pays vets directly who are in their network. It saves you the hassle of the reimbursement process–both financially and administratively.

Which is better: a higher or lower deductible?

Having a lower deductible results in higher monthly payments, but it means you pay significantly less when your dog needs emergency veterinary treatment. The reverse is true for higher deductibles: lower monthly payments with higher out-of-pocket expenses for treatment. Do the math to determine which option best suits your financial circumstances. Many providers feature an easy-to-use calculator on their websites that you can use when requesting a quote. Most people prefer having either a $250 or $500 deductible.

Does New Hampshire have restricted dog breeds for homeowners insurance?

Most states have dog breed restrictions in place for homeowners insurance and said restrictions vary from provider to provider. Some such breeds include, but are not limited to:

  • Akitas
  • Boxers
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Great Danes
  • Pit Bulls
  • Wolfhounds

We recommend contacting your home insurance provider to verify which breeds your policy excludes and whether you will need a specific liability rider.

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

New Hampshire is a nice place to own a dog. That said, the four seasons and various predators can pose a variety of risks. Do the following to keep your canine friend sage and healthy:

1. Register and vaccinate your dog

New Hampshire requires that all dogs be registered with the state and have a license. To get this, you must show proof your dog has been vaccinated against rabies and is 4 months or older. The State requires you to renew your dog’s license each year before April 30th.

2. Treat your dog for ticks and fleas

Like most of the northeastern part of the country, New Hampshire has its fair share of ticks. The primary offender is the back-legged variety, more commonly known as a deer tick, and is responsible for transmitting Lyme disease. In New Hampshire, ticks are most frequently troublesome in the spring, early summer, and autumn. At the same time, fleas are active throughout the year, especially indoors during the winter months. Several natural and conventional tick and flea treatments are on the market, including collars and spot-on treatments. Spot-on treatments are usually more effective but do consult your vet for guidance.

3. Protect your dog’s paws from salted sidewalks

Salt used on roads and sidewalks during winters in New Hampshire can irritate your dog’s paws or even result in chemical burns. To keep your dog’s paws safe, consider purchasing a pair of dog boots. They will also prevent your dog’s paw pads from developing ice balls.

4. Keep your dog hydrated

New Hampshire’s summers can be sweltering and humid, especially as its coastline is relatively small. Be sure to make fresh water available to your day all day, so it can rehydrate whenever needed. Also, consider adding hydrating foods such as meat, poultry, fish, fruits, and vegetables to your dog’s diet.

5. Keep your dogs inside at night

Coyotes are quite common and are found in every county in New Hampshire. Coyotes are nocturnal and usually come out just after dusk, so supervising your furry pal’s evening outdoor adventures might be a good idea.

5 Unique Dog Rescue Shelters in New Hampshire

1. Mary’s Dogs Rescue & Adoption in Northwood, NH

Mary’s focuses on rescuing dogs from southern states and finding them local, responsible, and caring homes. All dogs are given the necessary medical treatments, microchips, health certificates, and plenty of love.


2. Animal Rescue League of New Hampshire in Bedford, NH

The ARLNH provides help to over 2,200 small animals annually. In addition to giving the animals in their charge the necessary medical treatments, they provide emotional support and adoption services. They also give dog owners resources to care for their pets in times of financial need via their Pet Food Pantry and Low-Cost Spay and Neuter Clinics.


3. New Hampshire SPCA in Stratham, NH

The NH SPCA prides itself in rescuing companion animals and providing them with the necessary rehabilitation. They actively socialize and rehome animals with loving, responsible people.


4. Salem Animal Rescue League in Salem, NH

The SARL is a no-kill shelter that saves abused, neglected, injured, and abandoned animals and provides compassionate care, medical treatment, and adoption services. They rescue and adopt nearly 800 animals every year.


5. Second Chance Ranch Rescue in New Boston, NH

Second Chance Ranch Rescue rehabilitates lost, abandoned, misunderstood dogs to find them new forever homes. They also work to prevent dog surrenders by supporting families in need of assistance. All dogs that come to SCRR receive love, training, and lots of socialization opportunities.


Conclusion

Contrary to popular belief, finding the best insurance policy for your dog in New Hampshire is rather easy. We suggest registering for dog insurance as soon as your puppy is 8 weeks or older. Remember, the sooner you get your dog insured, the better. Doing so will give you the best prices and fewer potential exclusions. That said, getting your dog insured, regardless of age, will prove advantageous in case of emergencies. Our extensive research shows that Lemonade consistently delivers the best quality of service with the lowest monthly premiums.

SwiftScore Ranking Methodology for New Hampshire

We ranked the best pet insurance policies in New Hampshire based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in New Hampshire with a 03062 zip code
  • 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

Other state dog insurance resources

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