Our Rankings of Pet Insurance Providers in Connecticut
Here are the top pet insurance providers in Connecticut:
- Lemonade: Our Top Pick
- Spot: Most Customizable Coverage
- Embrace: Our Pick for Savings
- ASPCA: Our Pick for Older Pets
- Fetch: Our Pick for Comprehensive Coverage
- Healthy Paws: Most Affordable Unlimited Coverage
What’s the Best Pet Insurance in Connecticut?
After evaluating many factors, such as customer service, available coverage, customization options and pricing, we selected Lemonade as the best pet insurance in Connecticut.
Lemonade
Cheapest plans for dogs
Spot Pet Insurance
Most Customizable Coverage
Embrace
Our Pick for Savings
ASPCA Pet Health Insurance
Our Pick for Older pets
Fetch Pet Insurance
Our Pick for Comprehensive Coverage
Healthy Paws
Most Affordable Unlimited Coverage
Compare Pet Insurance Companies in Connecticut
Compare the top pet insurance companies in CT with the table below:
| Company | Monthly Cost | Star Rating | Accident Waiting Period | BBB Rating | Visit Site |
|---|---|---|---|---|---|
| $15-$30 | 2 days | B- | |||
| $34-$75 | 14 days | A- | |||
| $39-$73 | 48 hours | A+ | |||
| $18-$44 | 15 days | N/R | |||
| $45-$90 | up to 15 days | A+ | |||
| $24-$54 | 15 days | A+ |
| Company | BBB Rating | Monthly Cost | Star Rating | Accident Waiting Period | Visit Site |
|---|---|---|---|---|---|
| B- | $15-$30 | 2 days | |||
| A- | $34-$75 | 14 days | |||
| A+ | $39-$73 | 48 hours | |||
| N/R | $18-$44 | 15 days | |||
| A+ | $45-$90 | up to 15 days | |||
| A+ | $24-$54 | 15 days |
How Much Does Pet Insurance in Connecticut Cost?
The table below shows the pricing for a two-year-old mixed-breed male cat in Hartford, CT.
The average monthly pet insurance cost in Connecticut is $47 for cats and $94 for dogs. We determined average costs by gathering quotes across 11 pet insurance providers for sample pets that included:
- A 5-year-old medium, mixed-breed dog
- A 2-year-old golden retriever
- A 5-year-old mixed-breed cat
- A 2-year-old Siamese cat
Actual pet insurance costs will vary depending on your pet’s breed, age and where you live. Pet owners living in expensive cities or with purebred or older pets can expect higher premiums. Below is a breakdown of average costs by provider.
| Provider | Dog Insurance | Cat Insurance |
| Lemonade | $30 | $20 |
| Spot | $105 | $47.72 |
| Embrace | $132 | $77 |
| Healthy Paws | $77 | $34 |
| Fetch | $154 | $90 |
| Figo | $63 | $28 |
| Pest Best | $109 | $52 |
| Paw Protect | $133 | $78 |
| ASPCA Pet Health Insurance | $57 | $23 |
| ManyPets | $22 | $11 |
| Trupanion | $147 | $59 |
What’s the Cheapest Pet Insurance in Connecticut?
In addition to choosing the amount the provider agrees to pay in coverage per year, your annual deductible that you’ll owe before coverage kicks in and your reimbursement rate, which is the percentage of your vet bill that the provider covers while you pay the rest, you can typically choose between the following plan types:
- Accident-only plan: As its name suggests, this plan covers only accidents and injuries, such as broken bones, choking, toxin ingestion and gastrointestinal (GI) foreign bodies that may happen to your pet unexpectedly. They’re usually the cheapest pet insurance plans, since they don’t cover illnesses.
- Accident and illness plan: All pet insurance providers offer this comprehensive plan option for coverage on accidents, general illnesses, hereditary conditions, congenital conditions, chronic conditions and sometimes even behavioral issues like excessive licking and tail chasing.
- Preventive care add-ons: You can usually purchase optional coverage that helps pay for your pet’s routine treatments, procedures and vet visits, such as annual checkups, teeth cleanings, grooming, microchipping, vaccinations and more.
How To Choose the Best Pet Insurance in Connecticut
Connecticut pet owners must consider many factors before choosing a pet insurance plan, which often requires research. The plan features important to one pet owner may not matter to another because each situation is different. Your finances and lifestyle will often play major roles in decision-making.
Consider the following to help you narrow your choices:
- Plan types: Accident and illness plans are the most comprehensive, but cost more than budget-friendly accident-only options. In addition to your base coverage, wellness plans can help cover the costs of routine care.
- Coverage: Each provider offers slightly different coverage from the next. While nearly all insurers cover the basics, such as medications, diagnostic tests or surgeries, policies may vary in coverage for orthopedic, congenital, breed-related or other preventable conditions. Additionally, some policies may offer more robust coverage for unique services such as traditional, alternative and experimental treatments.
- Policy fine print: Whenever possible, read through a sample policy document and note the fine print, which contains exclusions, waiting periods, definitions and other important information. Although insurance policies are legal documents, they vary widely in readability and general tone.
- Customization: Most plans are customizable, allowing pet owners to choose between several deductibles, reimbursement rates and maximum annual limits. You can adjust plans with more customization options as your pet’s needs change over the years.
- Customer reviews: A policy is only as good as it performs in real life, rather than only on paper. Customer reviews provide valuable information about a company’s service responsiveness, transparency, and claims processing.
The pet insurance industry is regulated by national and local laws, which determine how providers offer products and protect consumers from subpar business practices. As a result, not all providers can operate in every state, and plan terms vary. Before purchasing a policy, we recommend obtaining quotes to see the plans available in your area.
What Are the Pet Laws in Connecticut?
Connecticut has pet laws designed to protect pets and people, including provisions for rabies licensing, kennel regulations, dangerous dogs, nuisance dogs, property damage and animal cruelty.
Notable laws in Connecticut include mandating that only a licensed veterinarian can perform ear-cropping procedures under general anesthesia. The state also has a “dogs on highway” law that can charge the owners of dogs menacing people or vehicles on the highway with a misdemeanor.
Local pet laws and ordinances vary between municipalities, including the following:
Hartford Pet Laws
- All dogs must be leashed, including in city parks. Violators face a $50 fine.
- The city can charge pet owners who fail to pick up their dog’s waste a $50 fine.
- All dogs over six months old must be licensed annually.
New Haven Pet Laws
- Dogs older than six months must be up-to-date on rabies vaccination and registered each year between June 1 and June 30.
- Parvovirus vaccination is required for all dogs living in and registered with the city.
- Residents who want to breed their dogs must obtain a breeder’s permit from animal control.
Stamford Pet Laws
- People cannot tether dogs for more than 30 minutes, on weighted chains, in bad weather, without water, with less than eight feet of space or within reach of a hazard.
- Roaming cats must be vaccinated, microchipped, and spayed or neutered.
- Small mammals, such as rabbits or hamsters, cannot be given away as prizes.
Understanding Pet Insurance Terminology
The following definitions can help you make sense of pet insurance policies in Connecticut.
- A waiting period is the timeframe immediately after your policy begins, during which your provider will not cover claims. Waiting periods range from 24 hours for accidents up to a year for some orthopedic conditions.
- A deductible is the amount you pay for covered claims before insurance coverage kicks in. Services excluded from your policy will not count toward the deductible.
- A premium is the amount you pay each month for your policy. Monthly premiums are higher when you choose a lower deductible to limit out-of-pocket costs.
- A reimbursement rate is the percentage of a veterinary bill that your insurance provider will reimburse. Most pet insurance companies reimburse between 70% and 90% of covered expenses after you meet your deductible.
- The coverage limit is the maximum amount your policy will pay out per covered condition, veterinary visit or each year. Annual coverage limits offer the most benefit flexibility.
Is Pet Insurance Worth It in Connecticut?
Connecticut pet parents may find that pet insurance is worth the investment to help cover expenses related to their furry friend’s health. With veterinary care costs rising nationwide, pet insurance can help you prepare for surprise expenses and avoid making decisions based solely on finances, rather than what’s best for your pet.
Our top pick for pet insurance in the Constitution State is Lemonade, although the best fit for your pet will depend on your specific situation. We recommend requesting quotes from several companies to determine the best option.
Frequently Asked Questions About CT Pet Insurance
Several providers operating in Connecticut offer routine veterinary care add-ons in the form of wellness plans. For an additional cost ranging from $10 to $50 added to your monthly premium, you can get partial reimbursement for vaccines, dental care, parasite control, screening tests, and spaying or neutering procedures.
Pet insurance providers in Connecticut exclude coverage for pre-existing conditions or conditions that began before you purchased coverage or during your plan’s waiting period. However, some plans will cover additional occurrences of a curable condition if your pet remains symptom-free for a specified period. If your pet has a non-curable pre-existing condition, you can still purchase a pet insurance policy to cover new accidents or illnesses.
Some policies cover Lyme disease treatment without restrictions, while others specifically exclude coverage for any illness that is preventable with vaccination — including Lyme disease. Read all plan documents carefully before purchasing a policy to determine if the coverage excludes preventable diseases.
Most pet insurance providers offer three reimbursement levels: 70%, 80% or 90%. Pet owners pay for veterinary care upfront, and then file a claim with their provider for reimbursement. The policyholder is responsible for the remaining 10% to 30% of costs, which is sometimes called the coinsurance percentage.
How We Ranked the Best Pet Insurance Providers in Connecticut
Our methodology for ranking pet insurance providers in Connecticut involved collecting and analyzing dozens of quotes, customer reviews and local pet-owner surveys. Only companies operating in Connecticut made our list, and we ranked each provider based on our detailed review methodology. We also compared coverage costs against average pet age, state veterinary expenses and common accidents to determine the best plans for Connecticut pet owners.
We determined cost data for each listed provider by averaging quotes for four hypothetical pets, two dogs and two cats:
- A 5-year-old medium, mixed-breed male dog,
- A 2-year-old large female golden retriever
- A 5-year-old mixed-breed, male cat
- A 2-year-old female Siamese cat
You can learn more about our cost collection and review process by reading our full pet insurance methodology and editorial guidelines.