Best Pet Insurance in Connecticut (2024)
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 or pet wellness plan for your dog or cat.
We analyzed top pet insurance providers in the industry to find the best pet insurance companies in Connecticut.
How Do Top Connecticut Pet Insurance Companies Compare?
Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
---|---|---|---|---|
$33.69 | $13.32 | VISIT SITE | ||
$38.44 | $21.53 | VISIT SITE | ||
$20.76 | $18.47 | VISIT SITE | ||
$65.15 | $53.43 | VISIT SITE | ||
$44.83 | $24.68 | VISIT SITE | ||
$49.85 | $26.55 | VISIT SITE |
Top 6 Pet Insurance Providers in Connecticut
Comparing Connecticut’s Top Pet Insurance Providers
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.
Provider | Sample monthly premium* | Number of Plans and Add-Ons |
---|---|---|
Lemonade |
$22.92 |
$4 |
Spot |
$48.55 |
4 |
Embrace |
$52.35 |
$2 |
ASPCA |
$48.54 |
$4 |
Fetch |
$55.50 |
1 |
Healthy Paws |
$40.45 |
1 |
*Based on sample quotes on an accident and illness policy for a mixed 4-year-old dog in Hartford, Connecticut (06105 ZIP code)
How Much Does Pet Insurance Cost 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 best budget-friendly 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, or reading our article on the top pet insurance plans for older pets.
Is Pet Insurance in Connecticut Worth the Cost?
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.
FAQs About Pet Insurance in Connecticut
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.
Other Connecticut Home Service Resources
Our Rating Methodology
We are 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.