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Best home insurance customer service in NH: Amica
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Blue Cross Blue Shield: Best Catastrophic health insurance
Kaiser Permanente: Best customer satisfaction
Medica: Good company that's expanding
Oscar: Cheap Catastrophic insurance
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Cost$665/yrThis analysis used home insurance quotes for hundreds of ZIP codes across New Hampshire. Read our methodology.
Best New Hampshire home insurance for bundling: The Hanover
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Cost$913/yrThis analysis used home insurance quotes for hundreds of ZIP codes across New Hampshire. Read our methodology.
Best home insurance customer service in NH: Amica
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Cost$791/yrThis analysis used home insurance quotes for hundreds of ZIP codes across New Hampshire. Read our methodology.
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Best customizable pet insurance plans: Spot
- Low coverage: $27
- High coverage: $193
- Puppy: $70
- Senior: $425
- Low coverage: $21
- Senior: $206
Overview
Pros/cons
Spot offers lots of ways to personalize your pet's policy and find coverage within your budget.
Spot offers lots of ways to personalize your pet's policy and find coverage within your budget.
Pros:
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Inexpensive accident-only plans
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Wide range of deductibles and annual limits
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Covers curable preexisting conditions
Cons:
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14-day waiting period for accident and illness coverage
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Older pets or high coverage limits can be expensive
Spot offers the best insurance if you're looking for flexible coverage. The company offers everything from cheap accident-only coverage to more expensive plans that cover many different types of treatments.
For example, Spot's Platinum plan covers services including dental cleaning, spay and neuter procedures, wellness exams, and flea and heartworm prevention.
Spot pet insurance coverage options
Accident only | Accident + illness | Gold | Platinum | |
|---|---|---|---|---|
| Base plan | ||||
| Breed-specific conditions | ||||
| Chronic conditions | ||||
| Dental illness | ||||
| Orthopedic conditions | ||||
| Cancer | ||||
| Dental cleaning | ||||
| Fecal tests | ||||
| Wellness exam | ||||
| FELV test | ||||
| Deworming | ||||
| Urinalysis | ||||
| Flea + heartworm prevention | ||||
| FELV vaccine | ||||
| Blood test |
In addition, Spot offers lots of different deductibles and coverage limits you can choose from. These options not only allow you to adjust the amount of money you'll pay out of pocket, but they also affect your monthly rate.
For example, a policy with an unlimited annual coverage will be a lot more expensive than one with a $2,500 annual maximum because the insurance company is at risk of paying a lot more for your pet's care.
Best for older pets: Figo
- Low coverage: $17
- High coverage: $131
- Puppy: $48
- Senior: $237
- Low coverage: $17
- Senior: $159
Overview
Pros/cons
Figo protects older pets who may not be eligible for coverage elsewhere.
Figo protects older pets who may not be eligible for coverage elsewhere.
Pros:
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No age limits for older pets
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Very affordable basic plans
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Unlimited coverage and 100% reimbursement available
Cons:
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Long waiting period for curable conditions
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Dental coverage is limited
Figo is a great option if you have an older pet because it insures pets of any age. In comparison, most insurance companies have maximum age limits for pet health insurance.
The company also offers unlimited annual coverage and 100% reimbursement. That can help owners of elderly pets avoid expensive medical bills. However, these options will make your insurance rates go up.
Figo offers two wellness programs, along with accident and illness coverage.
These programs can help cover the cost of vaccinations, spay or neuter procedures, bloodwork, heartworm prevention and dental cleaning.
Figo has a very short waiting period if your pet has an accident — just one day, which is shorter than most major companies. However, if your pet has a curable preexisting condition, they'll need a clean bill of health for a full year before Figo will pay to treat any new symptoms.
For example, say your dog had an ear infection six months before your policy starts. If he gets another ear infection two months from now, Figo won't cover it.
In addition, Figo's wellness programs don't cover routine dental work. Many other companies allow you to upgrade your policy to include this expense. So if you're worried about paying for routine dental care, you may want to choose a different option.
Best for preexisting conditions: Pumpkin
- Low coverage: $24
- High coverage: $176
- Puppy: $63
- Senior: $387
- Low coverage: $19
- Senior: $185
Overview
Pros/cons
Pumpkin is the best choice for pets with curable preexisting conditions, because of its short waiting period and customizable coverage.
Pumpkin is the best choice for pets with curable preexisting conditions, due to its short waiting period and customizable coverage.
Pros:
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Six-month waiting period for curable conditions
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Covers alternative therapies, prescription food and supplements
Cons:
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Won't pay for spay or neutering procedures
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Can't add coverage for routine dental care
Pumpkin is a great option for pets with a curable preexisting condition. That's because it has one of the shortest waiting periods for preexisting conditions, at 180 days, which is around six months.
If your pet is sick prior to having pet insurance, most companies won't cover ongoing expenses associated with that illness. However, some insurance companies will offer your pet coverage for curable conditions after they've been healthy for a set period of time. This is called a waiting period.
Pumpkin's basic policy also includes more coverage than many other companies.
For example, Pumpkin covers rehab therapies, such as acupuncture and hydrotherapy. It also helps pay for prescription food and supplements, such as joint and bone health vitamins prescribed by your vet.
However, Pumpkin doesn't offer coverage for regular dental cleanings or spay and neuter procedures. So while it's a great option for serious medical care, it may not be as beneficial if you're looking for regular wellness coverage.
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