Best Pet Insurance in Connecticut (2024)

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.

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.

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.

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.

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.

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.