Best Pet Insurance in Connecticut (CT)

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.

Compare Other Pet Companies

• Lemonade: Best Overall
• Spot: Most Customizable Plans
• Embrace: Best Deductibles
• Healthy Paws: Best Coverage Limit
• ASPCA: Best for New Pet Owners
• Fetch Pet Insurance: Best Holistic Coverage

Lemonade

We gave Lemonade a score of 96 out of 100 for its affordable and comprehensive accident and illness pet insurance policies, high coverage limit options, and unique preventive care options.

Pros and Cons of Lemonade Pet Insurance

Compare the advantages and disadvantages of Lemonade:

✔ Offers a 10% discount to customers who bundle with renters insurance or homeowners insurance
✔ Has a user-friendly mobile app and AI technology for fast claims filing
✔ Has a waiting period of two days for accidents, which is shorter than the industry standard of 14–15 days
✘ 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
✘ Doesn’t include coverage for vet bills related to dental illnesses

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 preventive 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.

Learn More: Lemonade Pet Insurance Review

Spot

Spot gets a score of 91 out of 100 for being 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. We took off points for the company’s limited preventive care and lack of customer service on the weekend.

Pros & Cons of Spot Pet Insurance

Compare the advantages and disadvantages of Spot:

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

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 preexisting conditions, elective procedures, breeding issues, or anal gland expression.

For preventive 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.

Learn More: Spot Pet Insurance Review

Embrace

With five annual deductibles and a co-pay credit that rewards healthy pets, Embrace earned a score of 93.5 out of 100. Customers who do not file a claim for a one-year period can take advantage of Embrace’s $50 Healthy Pet Deductible discount. The company provides lower coverage prices than some competitors in this review but lost points for having a maximum coverage cap of $30,000.

Pros and Cons of Embrace Pet Insurance

Compare the advantages and disadvantages of Embrace:

✔ Covers 100% of routine pet care costs through its optional wellness plan
✔ Processes claims within five days, on average, which is faster than many pet insurance companies
✔ Provides coverage when your pet is traveling with you outside the U.S.
✘ Charges a $25 enrollment fee
✘ Will not provide illness coverage for pets over 14 years of age

Embrace Plans and Coverage

Embrace covers procedures related to the diagnosis and treatment of accidents and illnesses but will also reimburse you for vet exam fees that are not always covered by pet insurance companies. The company also pays for routine vet visits through its optional Wellness Rewards plan. The plan covers annual check-ups and procedures like microchip implantation and spay and neuter surgeries, among other services.

While most pet insurance providers offer two or three annual deductible amounts, Embrace offers five: $200, $300, $500, $750, and $1,000. Choosing a higher deductible will reduce your monthly premium. For example, a $15,000 annual plan for a four-year old mixed breed dog in Connecticut would be approximately $70 a month with a $200 deductible and $30 with a $1,000 deductible.

Learn More: Embrace Pet Insurance Review

Healthy Paws

Tying with Embrace with a score of 93.5 out of 100, Healthy Paws is a top pet insurance company with affordable policies that include unlimited annual coverage caps. WIth unlimited caps, you’ll never have to worry about paying out of pocket after reaching a limit that the insurer agrees to pay.

Pros and Cons of Healthy Paws Pet Insurance

Compare the advantages and disadvantages of Healthy Paws:

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

Learn More: Healthy Paws Pet Insurance Review

ASPCA

ASPCA Pet Health Insurance stands out for its coverage of holistic care in its standard plan—typically not offered by other providers—and its affordable, comprehensive accident-only coverage. We gave ASPCA an 89 out of 100 for this unique alternative therapy coverage, in addition to its 16+ years of experience in the pet insurance industry.

Pros and Cons of ASPCA Pet Insurance

Compare the advantages and disadvantages of ASPCA:

✔ Has no upper age limit for enrollment

✔ Includes coverage for exam fees, alternative therapies, and microchipping in its base plan

✔ Offers a 30-day money-back guarantee

✘ Has a longer waiting period for accidents (14 days) than many competitors

✘ Has a lower maximum annual limit ($10k) than other providers

ASPCA Plans and Coverage

With ASPCA Pet Health Insurance, pet owners can choose an accident-only or an accident-and-illness plan. Its accident-only plan covers treatment for unexpected injuries, including diagnostics, procedures, surgery, rehabilitation, and prescription medications. The accident-and-illness plan (or the Complete Coverage plan) covers the treatments mentioned above for injuries, illnesses, and conditions, including cancer, chronic conditions, hereditary conditions, behavioral issues, allergies, digestive issues, dental disease, and more.

While ASPCA does not cover preexisting conditions, if your pet remains symptom and treatment-free from a curable condition for 180 days, ASPCA will no longer consider that condition preexisting. There are two options for preventive care—the Basic level (covering up to $250) and the Prime level (covering up to $450). Each option covers routine care services, including deworming, vaccinations, dental cleanings, and more. 

Learn More: ASPCA Pet Insurance Review

Fetch Pet Insurance

Fetch Pet Insurance is another top pet insurance provider that stands out for its holistic coverage, often excluded or limited by other pet insurance providers. We gave Fetch a 91.5 out of 100 for this holistic coverage, which includes acupuncture, chiropractic care, and stem cell therapy.

Pros and Cons of Fetch Pet Insurance

Compare the advantages and disadvantages of Fetch:

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

Fetch Pet Insurance Plans and Coverage

Fetch’s accident and illness plan covers injuries and unexpected illnesses and issues 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.

Fetch doesn’t cover preventive care, preexisting 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.

Learn More: Fetch Pet Insurance Review

We recommend getting quotes from a few different providers to determine rates for your location and based on your pet’s breed, size, and age.

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

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 older than six 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.

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. Embrace may be a good fit for those who want to customize their monthly premiums by selecting one of the company’s five deductible options, but ASPCA or Spot are better options for affordable accident-only coverage.

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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.