Award-Winning Pet Insurance in New Hampshire

Five Minutes
Feb 06, 2023

Whether you’re one of the many who own a dog or count yourself among cat owners, your fur baby is a part of the family. But are you aware of some of the major risks to pets in the Granite State?

Keep reading for a breakdown of what dangers a New Hampshire pet owner should be aware of and why investing in the award-winning MetLife Pet Insurance1 might help you make sure your fuzzy companions get the care they deserve.

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Why Pet Insurance May Be a Good Idea if You Live in NH

At MetLife, we know how hard it can be to give your pets the life they deserve. Whether you’re in the heart of Concord or on the edge of the wild, there are some risks to pets that every owner should know about.

Storms can pose a major hazard, even if your cat spends most of their days snoozing in a cozy bed. Nor’easter storms can cause dangerous power outages and make it hard to get to the veterinarian’s office during an emergency. Tropical storms can also cause outages along with flooding the New England coastline.

Even a sunny day out with the pooch could quickly take a turn for the worse. The vast wilderness of the White Mountain range is home to dangerous animals like bobcats, coyotes, wolves, and black bears. A run-in with any one of these critters could send your dog or cat to the vet for emergency treatment. 

Regional risks aside, cats and dogs are also predisposed to certain genetic conditions and illnesses. Even if you avoid what nature has to throw at you and your pets, you may still end up having to deal with a major vet bill. That’s what pet insurance is designed to help with. For a monthly premium, you can get coverage at any licensed vet, emergency center, or clinic. 

Why Choose a MetLife Pet Insurance Policy?

Keeping your pets happy and healthy can be stressful, but it doesn’t have to hurt your wallet. New Hampshire residents can take advantage of the same benefits that earned MetLife “Pet Insurance of the Year” in the 2023 Pet Independent Innovation Awards, including:2

  • Rapid reimbursement: Once submitted, claims are typically processed and reimbursed within 10 days.3
  • Family-style plans: Got a big pet family? Great! You can have up to three cats and/or dogs under one pet insurance plan.
  • No age or breed limits: It doesn’t matter if your pooch is a purebred or a lovable mutt. At MetLife they’re eligible for coverage from tail to whiskers: any breed, any age.
  • Short waiting periods: Accident and illness coverage can go into effect in less than a day after you’ve purchased your plan!4,5   

How MetLife Pet Insurance Works in New Hampshire

MetLife Pet Insurance Is Available in the Granite State. See What’s Covered

  • Diagnostic tests
  • Prescription medication
  • Surgery
  • Emergency care
  • Examinations
  • Hospitalization
  • Boarding
  • Pet funerary services

For a closer look at what MetLife Pet Insurance does and doesn’t cover, check out our dog insurance and cat insurance pages.

How Much Is Pet Insurance? NH Cost Explained

MetLife pet insurance plans are designed to flex with your budget. A single plan can cost as low as $9 per month for cats and $15 per month for dogs.6 It’s important to note that monthly premiums can vary depending on where you live. Are you in or near a larger city, like Manchester or Nashua? What you pay at your veterinarian’s office may be higher than if you live in Exeter or Ossipee.

Zip codes aren’t all that can influence the cost of your veterinary care. Species, breed, sex,7 and age can all raise or lower your monthly payments. The same goes for the type of insurance plan you purchase. Get a free quote in just a few steps to quickly see what your rates could be.

Pet Insurance Claims We Paid in New Hampshire

When it comes to the benefits of pet insurance, you don’t have to take our word for it. Here are a few real-life pet emergencies and treatments that were covered by a MetLife plan:8

  • More than $2,000 paid — This helped a 10-year-old mancoon find her balance again after being diagnosed with vestibular syndrome just outside Manchester, NH.
  • About $1,500 paid — This covered a new puppy’s medicine after consuming chocolate near North Hampton, NH.
  • More than $100 paid —This helped pay for a 10-year-old cat’s tooth removal near Nashua, NH.
  • Around $800 paid — An exam to diagnose a 6-year-old mixed-breed dog with Upper Respiratory Infection (URI) got reimbursed in Seabrook, NH.
  • About $400 paid  — This assisted paying for a nail removal for a cat with a torn nail that lived south of Rochester, NH.

Notable claim in New Hampshire

Hannah, an American Labrador retriever, struggled to get through her typical five-mile walk. Her sudden change in breathing sent Hannah and her family to the animal hospital. While Hannah was recovering from pneumonia at the vet, her parents were left with a $7,600 bill. Luckily, they were able to get $4,800 to help cover the costs.8

Pet Injuries and Illnesses Typically Found in New Hampshire

New Hampshire is full of wilderness. While these forests and trails are perfect for exploring with your pup, they can also contain hidden dangers. From wild animals to infectious diseases, here are a few health hazards that should be on your radar:

  • Lyme disease:9 Carried primarily by ticks, Lyme disease infects one in every 15 dogs in New Hampshire.10 Symptoms can include lethargy, low appetite, and even paralysis. Tick prevention for humans and pets alike can help to reduce the risk.
  • Canine infectious respiratory disease complex (CIRDC): New Hampshire saw an outbreak of CIRDC in November 2022.11 Accompanied by coughing, sneezing, and difficulty breathing, this infection seems to be transmitted mainly through direct dog-to-dog contact.
  • Canine influenza: New Hampshire is also a hotspot for dog flu, specifically the H3N8 strain.12 Because it’s a recent virus, dogs have no natural immunity to the flu. It’s recommended to get your dog vaccinated against it.
  • Feline Immunodeficiency Virus (FIV):13 Cats who spend time in shelters or on the streets may contract FIV. Cats infected with FIV suffer from a weakened immune system, making them vulnerable to other diseases. A vet may be able to prescribe antiviral treatment to help manage FIV and its consequences.
  • Heartworm disease in dogs and cats:14 Heartworm parasites are spread by the bite of a mosquito and they could be fatal if not treated. Prevention is a must for dogs and cats in New Hampshire, regardless of how much time they spend outdoors.
  • Cyanobacteria:15 This microscopic lifeform inhabits waterways throughout New Hampshire. Animals (and humans!) that come in contact with cyanobacteria may also be exposed to dangerous toxins. Keep an eye out for ponds and lakes with a scummy surface.
  • Coyotes and other wildlife:16 Packs of coyotes have been known to roam all 50 continental states,17 including New Hampshire. These canines can pose a serious risk to dogs and cats alike. Not only can they cause serious injury, but a coyote bite could also pass on rabies and other dangerous diseases.

New Hampshire Plants That Can Be Poisonous to Pets

Thousands of people flock to New Hampshire to witness the vivid turning of the colors of trees and other plants each fall. But while they are pretty to look at, there are plants local to New Hampshire that could be dangerous,18 including ones that may harm your pets if contacted:19

Most Popular Dog Breeds in New Hampshire

Which dogs rank the highest in the Granite State? Here are the top three adopted breeds for New Hampshire and some common health problems faced by the breeds:24

  1. Labrador retriever: Energetic, but prone to obesity, eye disease, tumors, osteochondritis dissecans, and heart disease.
  2. German shepherd: This hardy breed is nevertheless vulnerable to upper respiratory infections, skin allergies, gastroenteritis, and ear infections.  
  3. Golden retriever: Fun, energetic, and smart, goldens may be predisposed to hypothyroidism, bloat, colitis, and obesity.

Adoptable Dogs and Cats in NH

Petfinder lists thousands of adoptable dogs and adoptable cats awaiting a new home in New Hampshire. If you are looking to add a pet to your family, you can consider using it as a resource!

If You Live in New Hampshire, Consider Insuring Your Pet

New Hampshire may be small, but it’s big enough for thousands of pet lovers and their fur babies. Whether you share a Manchester loft with a cool cat or a mountainside cabin with an adventurous dog, taking care of your pet is a life-long commitment. Fetch your quote for MetLife Pet Insurance today.

We Can Help Cover Vet Bills
While You Focus on Your Pet’s Care

There is no substantive difference between a MetLife Pet Insurance policy in New Hampshire and a MetLife Pet policy in another U.S. State.

1 “2023 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

2 Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

3 Approximately 80% of claims are processed within 10 days or less.

4 Wait period for accident coverage is midnight EST compared to 2 to 15 days for competitor's; wait period for illness coverage is 14 days compared to 14 to 30 days for competitor's, based on a January 2021 review of publicly available summary information about competitor's offerings.

5 Accident coverage and Preventive Care coverage (for those who select it) begins on the effective date of your policy. Illness coverage begins 14 days later.

6 Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose.

7 For IAIC policies only

8 All claims paid amounts are based on MetLife internal claims data from October 2022.

9 “Lyme Disease,” Hampton Veterinary Hospital

10 “Some Infectious Diseases Hitting Cats, Dogs Harder,” Veterinary Practice News

11 “Respiratory disease outbreak: New Hampshire and neighboring states, updated Nov. 28, 2022,” Cornell University College of Veterinary Medicine

12 “Dog Flu Outbreaks - Map,”

13 “Feline Retro Viruses,” Animal Medical Center of the Upper Valley

14 “Heartworm Disease,” Hampton Veterinary Hospital

15 “Cyanobacteria in New Hampshire Waters,” New Hampshire Department of Environmental Services [PDF]

16 “How to protect pets from coyotes,”

17 “NORTH AMERICAN DISTRIBUTION,” Urban Coyote Research Project

18 “Noxious by Nature: The Dangers of Poisonous Plants,” New Hampshire Wildlife Journal [PDF]

19 “Inkberry,” American Society for the Prevention of Cruelty to Animals

20 “Giant Hogweed,” American Society for the Prevention of Cruelty to Animals

21 “Poison Hemlock,” American Society for the Prevention of Cruelty to Animals

22 “Poison Sumac,” American Society for the Prevention of Cruelty to Animals

23 “Water Hemlock,” American Society for the Prevention of Cruelty to Animals

24 “Most Popular Dog Breeds by State in 2023,” Pet Keen

Coverage underwritten and issued by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85254 or Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations. Application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC for details. MetLife Pet Insurance Solutions LLC is the policy administrator for this coverage. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois).

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