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5 Best Pet Insurance Companies in Connecticut (2021)

Pet insurance can give you peace of mind that your companion will get the care it needs during an emergency. Learn about the top five pet insurance companies in Connecticut.

Grown golden retriever dog sitting smiling at the camera in a grass field with trees in the background and golden sun lighting Adobe

Whether you live in a coastal Connecticut city or a rural town further north in the state, expensive, unexpected vet bills can threaten your savings account and credit card balance if you don’t have a pet insurance policy for your dog or cat.

The This Old House Reviews Team analyzed top pet insurance providers in the industry to find the best pet insurance companies in Connecticut. We compared these companies on customer service, pricing, coverage, plan options, and other factors to help you find the best pet insurance policy for your furry friend.

The sample premiums in this review come from quotes for 4-year-old pets in Hartford, Connecticut, on policies with a $250 deductible, a $5,000 annual coverage limit, and an 80% reimbursement rate.

Connecticut’s Top 5 Pet Insurance Providers

Best Overall: Lemonade

Lemonade is our top pet insurance pick for its affordable and comprehensive accident and illness pet insurance policies, high coverage limit options, and unique preventative care options.

Some highlights include:

  • Our score: 96
  • Has lower monthly prices than many competitors for standard policies
  • Extra preventative care coverage options for puppies and kittens less than two years old
  • High annual coverage limit option of $100,000
  • Optional coverage for a vet visit and exam fees

Although Lemonade lost points in our review for having a lower-than-average C rating from the Better Business Bureau (BBB), we found that many complaints reference the company’s home insurance and renters insurance products rather than its pet insurance policies.

Use Lemonade’s online quote tool for a free pet insurance quote.

Lemonade Pros and Cons

Pros Cons
Pros Cons
✔ Offers a 10% discount to customers who bundle with renters insurance or homeowners insurance ✘ Requires records from your pet’s most recent medical exam from within 12 months of the policy’s start date for your pet to be eligible for coverage
✔ Has a user-friendly mobile app and AI technology for fast claims filing ✘ Doesn’t include coverage for vet bills related to dental illnesses
✔ Has a waiting period of two days for accidents, which is shorter than the industry standard of 14–15 days

Lemonade Plans and Coverage

Lemonade’s basic accident and illness plan covers diagnostics, procedures, hospitalizations, imaging, prescription medications, injections, and other costs related to your pet’s accidents and illnesses, such as broken bones, digestive illnesses, and chronic conditions. It doesn’t cover dental illnesses, elective procedures, alternative treatments, or pre-existing conditions.

Lemonade’s preventative care add-on covers routine care and is available at two different price points. The less expensive option covers a wellness exam, a fecal test, three vaccines, a heartworm test, and a blood test, while the Preventative+ option covers a routine dental cleaning and flea, tick, or heartworm medication. You can also purchase add-ons for additional coverage on vet visits fees and physical therapy.

Lemonade Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and illness plan $22.92 $32.50 $21.08 $13.75
Accident and illness plan with preventative care $38.92 $48.50 $37.08 $23.75
Accident and illness plan with vet visit fees and physical therapy $29 $41.25 $26.67 $17.33

Best Coverage Limit: Healthy Paws

Healthy Paws is a top pet insurance company for its affordable policies that include unlimited annual coverage caps, which means you’ll never have to worry about paying out of pocket after reaching a limit that the insurer agrees to pay.

Some highlights include:

  • Our score: 93.5
  • Unlimited annual, lifetime, and per-incident coverage for included accidents and illnesses at lower prices than competitors’ unlimited coverage options
  • Mobile app for filing claims and setting up direct deposit for claims payouts
  • 30-day money-back guarantee with each policy

Get an online quote from Healthy Paws to determine how much your premiums would cost based on your pet’s details.

Healthy Paws Pros and Cons

Pros Cons
Pros Cons
✔ Has donated more than $1 million to help homeless pets ✘ Doesn’t cover pets 15 years or older
✔ Covers alternative treatments, such as chiropractic care and acupuncture ✘ Has a 12-month waiting period for hip dysplasia coverage
✔ Claims to pay out reimbursements within two days of customers submitting a claim ✘ Limits customization options on plans for pets 6 years or older

Healthy Paws Plans and Coverage

A Healthy Paws policy comes with unlimited coverage for accidents and illnesses. It covers treatments, procedures, and other costs, such as prescription medications, cancer treatments, diagnostic tests, imaging, surgery, hospitalization, specialty care, alternative treatments, and more.

Healthy Paws excludes coverage for preventative and wellness care, exam fees, behavioral treatments, spay or neuter surgery, hip dysplasia within the first 12 months of your policy, and pre-existing conditions that arise before the end of the policy’s 15-day waiting period.

Healthy Paws Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and illness plan $40.45 $59.79 $32.34 $18.92

Best Holistic Coverage: Petplan

Petplan is another top pet insurance provider that stands out for its holistic coverage, often excluded or limited by other pet insurance providers.

Some highlights include:

  • Our score: 91.5
  • Holistic therapy, including stem cell therapy, homeopathy, hydrotherapy, laser therapy, and acupuncture, is entirely covered
  • Unlimited annual coverage cap option
  • Healthy Pet Credit that grants 15% off your policy renewal for each 12-month period you go without filing a claim (up to 30%)

Visit the Petplan website to receive a free quote on your Connecticut pet insurance policy.

Petplan Pros and Cons

Pros Cons
Pros Cons
✔ Provides up to $1,000 to help pay for virtual vet visits and telehealth appointments ✘ Doesn’t offer any preventative care coverage
✔ Offers a reimbursement for lost-pet advertising and reward money ✘ Plan prices can be significantly higher than competitors’ prices for older pets
✔ Pays for sick visit fees and exam fees, which is excluded by some competitors ✘ Requires that pets be examined within six months of the policy’s start date to be eligible for coverage

Petplan Plans and Coverage

Petplan’s accident and illness plan covers injuries and unexpected illnesses and conditions like cancer, chronic conditions, and hereditary conditions. It also pays for exam fees, tests, surgery, rehabilitation, alternative therapies, prescription medications, and other costs related to recommended treatments for your pet’s covered condition.

Petplan doesn’t cover preventative care, pre-existing conditions, elective procedures, or dental injuries and diseases unless your pet has its teeth checked by a vet within 60 days of the policy start date. It does offer coverage for advertising and reward money for if you ever lose your pet, the replacement cost of your pet if you can’t find it, boarding fees if you’re hospitalized for more than four days and can’t take care of your pet, and vacation cancellation fees.

Petplan Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accident and illness plan $55.50 $77.15 $43.31 $22.95

Most Customizable Plans: Spot

Spot provides pet insurance plans that are the most customizable out of the insurers we reviewed, offering accident-only and accident and illness plans with multiple annual limit, deductible, and reimbursement rate options.

Some highlights include:

  • Our score: 91
  • Seven customizable annual limits options of $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, and unlimited
  • Accident-only plan available for less expensive coverage
  • Microchip implantation for cats and dogs included in standard policy

Get a custom quote from Spot by entering your pet’s information into this online form.

Spot Pros and Cons

Pros Cons
Pros Cons
✔ Offers preventative care at two different price points and coverage levels ✘ Doesn’t offer policies for pets less than 8 weeks old
✔ Includes coverage for exam fees, which aren’t included in most other providers’ standard policies ✘ Has a waiting period of 14 days for accidents, which is longer than some competitors
✔ Features a 24/7 telehealth helpline for any pet health questions

Spot Plans and Coverage

Spot offers two pet insurance plans: one for coverage on accidents only, including injuries, swallowed objects, and toxic ingestions, and one for coverage on both accidents and illnesses, including dental illnesses, behavioral issues, cancer, hip dysplasia, heart disease, and more. Both plans also cover exam fees and microchipping, but they don’t cover pre-existing conditions, elective procedures, breeding issues, or anal gland expression.

For preventative care coverage, pet parents can purchase the Gold or Platinum add-ons. For $9.95 per month, the Gold add-on comes with up to $250 of coverage per year for a dental cleaning, a wellness exam, two vaccines, a fecal test, a heartworm test, and deworming. For $24.95 per month, the Platinum add-on covers everything in the Gold add-on plus spay or neuter surgery, flea or heartworm prevention, another vaccine, a blood test, and a health certificate for $450 of total annual coverage.

Spot Sample Monthly Pricing

Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Species - Breed Dog - Medium Mixed Dog - Golden Retriever Dog - Yorkshire Terrier Cat - Domestic Medium Hair
Accidently-only plan $30.03 $30.03 $30.03 $16.71
Accident and illness plan $48.55 $67.48 $42.90 $25.99

Best Digital Clinic: Pawp

Pawp isn’t a traditional pet insurance company, but it offers a membership that includes access to a 24/7 virtual vet clinic and a $3,000 emergency fund.

Some highlights include:

  • Our score: 90
  • Unlimited 24/7 telehealth calls, video calls, chats, and messages with licensed vets and pet professionals
  • $3,000 to pay 100% of one vet bill per year
  • Flat-rate pricing regardless of your pet’s details

Get started with your Pawp membership by signing up on the company’s website.

Pawp Pros and Cons

Pros Cons
Pros Cons
✔ Covers one of up to six different pets in your household ✘ Covers only life-threatening emergencies that are verified by an official Pawp vet
✔ Doesn’t require customers to pay any copays or deductibles during a claim ✘ Pays for only one vet bill of up to $3,000 per year
✔ Pays the vet directly, rather than reimbursing you for the cost, so you won’t have to pay anything out of pocket after your pet’s treatment ✘ Doesn’t offer preventative care coverage

Pawp Plans and Coverage

A membership with Pawp grants customers access to its 24/7 digital clinic and a $3,000 emergency fund to pay for the full cost of one vet bill per year for your pet’s life-threatening emergency. This could include toxic ingestions, choking or breathing issues, blockages, and severe internal or external injuries. It doesn’t include scheduled visits, routine care, pregnancy-related issues, and anything not considered a life-threatening emergency.

When your pet has an emergency, you can request your $3,000 emergency fund eligibility by scheduling a video call with an official Pawp vet. Then, the vet virtually assesses your pet’s issue. If the vet deems your pet’s issue to be life-threatening, you’ll have four hours to get it to the vet for treatment covered by the fund.

Pawp Sample Monthly Pricing

Pawp prices its membership at a flat rate of $24 per month for both cats and dogs of all genders, breeds, and ages.

Our Conclusion

When looking for the best pet insurance policy in Connecticut, we recommend considering each company’s benefits to help you narrow down your search. For instance, Lemonade stands out for its impressive overall coverage, affordability, and fast claims process, but Healthy Paws might be a better option if you want unlimited annual coverage. Additionally, Pawp is a unique alternative to typical pet insurance policies and may interest you if you’re looking for affordable, unlimited access to a digital clinic and $3,000 per year of coverage for one of up to six pets.

Compare Connecticut’s Best Pet Insurance Companies

Provider Lemonade Healthy Paws Petplan Spot Pawp
Provider Lemonade Healthy Paws Petplan Spot Pawp
Get a quote Lemonade.com HealthyPawsPetInsurance.com GoPetplan.com SpotPetIns.com Pawp.com
Our score 96 93.5 91.5 91 90
Sample monthly premium* $22.92 $40.45 $55.50 $48.55 $24
Highest annual coverage limit $100,000 Unlimited Unlimited Unlimited $3,000
Waiting period 2 days for accidents and 14 days for illnesses 15 days for accidents and 15 days for illnesses 15 days for accidents and illnesses 14 days for all conditions 14 days for accidents and illnesses
Customer service Email and chat on mobile app Phone, email, and live chat with limited hours Phone, email, and live chat with limited hours Contact form and phone with no weekend availability Email and live chat
BBB rating** C A- A+ B A

*Based on sample quotes on an accident and illness policy for a mixed 4-year-old dog in Hartford, Connecticut (06105 ZIP code)

**Based on scores pulled from each company’s BBB profile as of October 8, 2021

How Much Is Pet Insurance in Connecticut?

We found pet insurance costs in Connecticut to be a bit higher than many other states, but you can expect to pay around $20–$120 per month for your policy. Here are some factors that could affect your monthly premium:

  • Customization: You can generally customize your policy’s premium by choosing your coverage limit, deductible, and reimbursement rate. For the cheapest pet insurance rates, choose a higher annual deductible, lower annual coverage limit, and lower reimbursement percentage. For instance, Spot’s monthly premium in our quote for a medium mixed dog in Hartford, Connecticut, on an accident and illness plan with unlimited annual coverage, a $100 deductible, and a 90% reimbursement rate is $133.13, but the same dog’s policy would be only $17.31 per month with a $2,500 annual coverage limit, $1,000 deductible, and 70% reimbursement rate.
  • Species: Pet insurance for dogs is typically more expensive than cat insurance, since dogs are generally more susceptible to health issues. Your monthly premium will vary based on which species you’re shopping for.
  • Breed: Your pet’s breed will also impact your quoted prices for pet insurance, since some pet breeds, including golden retrievers and basset hounds, are more likely to have issues that require treatments and procedures than others.
  • Age: The older your pet gets, the more likely it is to have health issues. In general, pets more than 6 years old are significantly more expensive to insure than younger pets, kittens, and puppies. To help avoid these higher prices, we recommend signing up for a policy while your pet is young.

Frequently Asked Questions

Is pet insurance in Connecticut worth it?

Yes, pet insurance can be worth the investment for the financial savings it can provide during an unexpected emergency. Of the 1,000 pet owners that we surveyed nationwide, about 40% said they would need to pay for their pet’s emergency expenses with a credit card, while around 9% said they don’t know how they’d pay for them. Purchasing pet health insurance can provide peace of mind that your savings account or credit card bills won’t be impacted when your pet’s unexpected accident or illness requires expensive treatments.

Do most vets in Connecticut accept pet insurance?

Yes, you can typically file a claim on a vet bill from any licensed vet in the U.S., since your pet insurance provider will reimburse you for the bill rather than communicate directly with the vet for the payment.

Will my pet insurance policy cover vaccinations?

Although vaccinations aren’t included in standard pet insurance policies, many providers, such as Lemonade and Spot, offer preventative care add-ons for coverage on routine care, including vaccinations.

Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.