Pet Insurance in New Hampshire

  • 30-day money-back guarantee (available if no claims have been filed, not available in NY)
  • Coverage for microchip implantation
  • Coverage for alternative therapies for covered conditions
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What is Pet Insurance for Dogs and Cats?

Pet insurance is a safety net for unfortunate accidents and illnesses that can happen to our pets. It acts like insurance for humans and helps cover the cost of eligible medical expenses at the cost of a premium.

Over time, pets can get expensive to maintain due to vet bills and recurring costs. The vet bills for unexpected accidents and illnesses can run into thousands at times, and this is where pet insurance can help. Despite the fear of vet visits for your pet, you have help sleeping like a baby with pet insurance. Know more about how pet insurance works and what pre-existing conditions are in pet insurance.

Why is pet insurance important in New Hampshire?

Coyotes

The coyote population in New Hampshire is estimated to be around 4,500. Born killers with preying as their natural instincts, these destructive animals are very aggressive, especially around smaller animals like cats and dogs. They can get into a fight with our pets and severely injure them. Moreover, the open wounds after the fight can become avenues for several bacteria and viruses to enter the skin and causes several diseases and internal organ damage in severe cases.

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How Spot Plans Help Protect Your Pet

Orthopedic Injuries

Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$5,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $4,410

You Pay $590

Leptospirosis

Leptospirosis is a disease that happens when pets encounter infected urine. Because of the presence of plenty of wild animals in New Hampshire, there is a higher chance of the dog encountering the infected urine of these animals through the soil, water, or food. The symptoms can include fever, shivering, muscle tenderness, swollen legs, and blood-tinged vomit, and go on to vomiting, diarrhea, jaundice, and even kidney failure. This disease can infect humans as well from pets.

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How Spot Plans Help Protect Your Pet

Infectious Diseases

Spot accident & illness plans cover illnesses resulting from infectious diseases your pet may catch.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$2,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,710

You Pay $290

Waterborne Illnesses

New Hampshire is a state with many different lakes and bodies of water which can pose many threats to our pets, including waterborne illnesses. Waterborne illnesses can happen by drinking from impure water sources like rivers or lakes and breathing in infected water droplets. These illnesses can spread through animals and humans alike. It is important to closely monitor your dog at all times when out on a walk or hike and keep them on a leash to help prevent them from wandering off and contacting an infected water source.

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How Spot Plans Help Protect Your Pet

Emergencies & Hospitalizations

Spot plans cover the eligible costs of emergency care for accidents and illnesses that may happen unexpectedly to your pet.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$1,700
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,440

You Pay $260

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Why Spot Plans?

We are a pet and pet-parent-first organization. For us, a good insurance plan would be one that helps the pet parents sleep peacefully at night, knowing that their pet has coverage.

Affordable Plans for Cats & Dogs

Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.

Pet Insurance FAQs

Have questions about petinsurance and how it works? Let’s dig up an answer.

Do You Have a List of Veterinarians I Have to Use?

You can visit any licensed veterinarian in the US or Canada, including eligible specialists and emergency care clinics.

Should I get pet insurance or save money instead?

It’s hard to predict whether that surprise bill will be $500 or $5,000. Pet Insurance might not seem “worth it” until you’re one of the pet owners who have a surprise bill for an unexpected accident or illness. With a Spot plan, eligible vet bills for covered conditions will be reimbursed up to the specified rate, regardless of how much money you saved beforehand.

Why do pet insurance premiums go up?

These necessary increases provide you the opportunity to get help offering your pet the best medical treatment options available for eligible conditions.

Additionally, your premium will be affected by your pet's age each year, as the risk for more costly claims grows higher. Spot strives to provide plans with coverage that continue well into your pet's old-age by not placing upper-age limitations on coverage or enrollments.

Your premium will not increase due to filing a claim.

Why Does Pet Insurance Go Up?

These necessary increases provide you the opportunity to get help offering your pet the best medical treatment options available for eligible conditions.

Additionally, your premium will be affected by your pet’s age each year, as the risk for more costly claims grows higher. SPOT strives to provide plans with coverage that continue well into your pet’s old-age by not placing upper-age limitations on coverage or enrollments. 

Your premium will not increase due to filing a claim.

When I get a plan, does coverage start immediately?

Most insurance policies will have a waiting period before you can start receiving reimbursements on eligible vet bills. Spot plans have a waiting period of 14 days for accidents and illnesses. If you decide to purchase a preventive care coverage option, you are eligible for next day coverage.

How much is pet insurance in NH?

Based on internal data, Spot plans in New Hampshire cost about $47 per month.* Some factors that affect your premium are the pet’s breed, age, and where you live. Other factors include the plan type, annual deductible amount, reimbursement percentage, and annual coverage limit amount. Spot plans have customizable plan options to help you pick the plan most affordable for you and your pet. Know more about how much is pet insurance.

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*Average cost is based on Spot internal data from June 2022 - January 2024 for active policies in the state of New Hampshire for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.