Best pet insurance in Connecticut in July 2024
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BLUEPRINT
Published 10:00 a.m. UTC June 5, 2024
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ManyPets and Pets Best have the best pet insurance in Connecticut, based on our in-depth analysis of cost and coverage. Both pet insurers get top scores for unlimited annual coverage, affordability and optional routine wellness coverage. Pets Best also has a 24/7 pet health line and offers vet direct pay, while ManyPets includes exam fee coverage in all its pet insurance plans.
Best pet insurance companies in Connecticut
- ManyPets: Best cheap pet insurance in Connecticut.
- Pets Best: Best pet insurance in Connecticut for senior dogs and cats.
- Figo: Best pet insurance in Connecticut for puppies and kittens.
- Healthy Paws: Great pet insurance for unlimited annual coverage in Connecticut.
Why trust our pet insurance experts
Our team of pet insurance experts evaluates hundreds of pet insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 4,000+ pet insurance rates reviewed.
- 500+ coverage details evaluated.
- 5 levels of fact-checking.
Top-rated pet insurance companies in Connecticut
Compare the best pet insurance rates in Connecticut
| PET INSURANCE COMPANY | CT RATING | AVERAGE MONTHLY COST FOR A DOG | AVERAGE MONTHLY COST FOR A CAT | LEARN MORE | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| $29 | $17 | Compare Quotes Via Comparecoverage.com | ||||||||
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 Pets Best | $62 | $35 | Compare Quotes Via Comparecoverage.com | |||||||
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| $66 | $36 | Compare Quotes Via Comparecoverage.com | ||||||||
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| $53 | $21 | Compare Quotes Via Comparecoverage.com | ||||||||
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*Average monthly Connecticut pet insurance premiums assume unlimited reimbursement (or the highest level offered by that company), a $250 deductible and an 80% reimbursement percentage.
How much is pet insurance in Connecticut?
The average cost of pet insurance Connecticut dog owners pay is $86 per month for an unlimited coverage accident and illness plan.
How much your pet insurance in Connecticut will cost depends on factors like your pet’s species, breed, gender, size and age. Your Connecticut ZIP code will also factor into your premium, as you can see in the table below.
Connecticut pet insurance rates by city
*Source: Petinsurer.com. Average monthly rates are based on dog insurance in Connecticut for ages 3 months, 2 years, 5 years and 8 years; policies included have a $250 deductible and 80% reimbursement level.
Average cost of Connecticut pet insurance claims
The average Connecticut pet insurance claim cost is $486, according to 2024 data provided by Embrace pet insurance.
The top three most expensive individual pet insurance claims submitted so far this year to Embrace were:
- For dogs: $22,570, $19,792 and $19,720.
- For cats: $9,640, $7,321 and $6,587.
How to find the best pet insurance in Connecticut
Comparison shopping can help you find the best pet insurance for dogs or cats in Connecticut. Consider pet insurance companies that offer:
- Discounts. The best companies providing cat and dog insurance in Connecticut offer a discount for insuring multiple pets. You might also get a discount if you’re past or present military, pay your premium annually, work as an animal care or licensed vet or get pet insurance as part of your employer’s benefits package.
- 24/7 vet line. This benefit allows you to speak with a licensed veterinary professional night and day to answer questions about your pet’s health.
- Waiting period. When you buy pet insurance, there’s usually a waiting period before you become eligible for reimbursement. Some pet insurers, like Figo, only have a one-day waiting period for accidents. Others may require you to wait 14 days or more before coverage begins.
- Wellness plan. If you want help paying for your pet’s routine care expenses, consider an insurer offering a wellness plan add-on.
Types of pet insurance
There are two common types of pet insurance policies to choose from, offering basic to comprehensive coverage.
Accident and illness plans
The accident and illness policy covers a wide range of unexpected illnesses, injuries and medical expenses, including:
- Chronic conditions like allergies, seizures and cruciate ligament tears.
- Congenital conditions like heart disease and hypothyroidism.
- Diagnostic tests such as X-rays, CT scans and MRIs.
- Emergency care.
- Hereditary conditions like cancer and hip dysplasia.
- Hospitalization and surgery.
- Prescription medications.
Some pet insurance companies, like Healthy Paws and Embrace, also cover behavioral issues and alternative treatments like acupuncture, chiropractic care and physical therapy.
Accident-only plans
An accident-only policy will cover unexpected vet bills if your pet gets injured, but won’t cover illnesses. So if your cat breaks its leg or your dog swallows a toy, you’re covered, but you won’t be if they develop diabetes, pneumonia or cancer. These plans are cheaper because they provide less coverage.
Wellness plans
An optional wellness plan covers preventive and routine care that helps improve your pet’s health and lifespan. Preventive care coverage comes at an extra cost but can include things like:
- Blood work and testing.
- Dental exams.
- Flea, tick and heartworm prevention.
- Microchipping.
- Neutering and spaying.
- Routine check-ups.
- Vaccinations.
How pet insurance works
Pet insurance provider plans vary, but all have deductibles, reimbursement percentages and annual coverage maximums that affect your pet insurance premium.
- Deductible. This is the amount you pay for your pet’s veterinary care before the insurer starts to reimburse you for covered expenses. Pet insurance deductibles range from $0 to $1,000. Choosing a higher deductible will lower your premium but require more out-of-pocket costs for eligible veterinary expenses.
- Reimbursement percentage. This is the amount your pet health insurance plan pays towards covered vet visits. For example, if you have a 70% reimbursement percentage, the insurance company will pay 70% of eligible costs after you’ve met your annual deductible.
- Annual coverage limit. This is the maximum amount the pet insurance provider will pay toward covered health expenses. Many pet insurers offer unlimited annual coverage but some may have caps on what they’ll pay. For example, Lemonade pet insurance will only cover up to $100,000 each year.
- Pet insurance premium. How much you pay for pet insurance will depend on several factors, including your ZIP code, pet’s age, breed, and gender and level of coverage. Pet insurance costs increase as your pet ages, so the younger and healthier your cat or dog is, the more affordable your Connecticut pet insurance will be.
Methodology
We analyzed 12 pet insurance companies in Connecticut using data from Petinsurer.com.
For this analysis, average Connecticut pet insurance rates are based on accident and illness plans, which account for 98% of pet insurance policies purchased, according to data from the North American Health Pet Insurance Association (NAPHIA). Connecticut rates are also based on insuring dogs, as dogs make up 85% of insured pets, per NAPHIA.
Each pet insurance company was eligible for up to 100 points, based on its performance in the following key categories:
- Cost: 50 points. We calculated average rates for accident and illness pet insurance plans for a medium-sized, mixed-breed dog at two different ages in Connecticut, with unlimited annual reimbursement (or the highest level offered by that company), a $250 deductible and a 90% reimbursement percentage. The lower the average rate, the higher the number of points.
- Annual coverage limits: 10 points. Pet insurance companies that offer annual reimbursement of up to $100,000, or unlimited annual coverage scored in this category.
- 24/7 vet line: 10 points. Insurance companies that offer access to a 24/7 vet line earned points. Being able to call for medical advice might save you money on vet visits.
- Routine wellness plan: 10 points. Pet insurance companies that offer an optional wellness plan add-on scored points. Wellness plans can reimburse you for preventative care for your pet.
- Pays vet exam fees: 10 points. If a pet insurance plan includes pet exam fees, the insurer received 10 points. If this is offered as a coverage add on, the insurer received 5 points.
- Behavioral therapy: 5 points. If an insurance company covers behavior therapy in its pet insurance plans, it scored points.
- Euthanasia or end-of-life expenses included: 5 points. If euthanasia or other-end-of-life expenses are covered in pet insurance plans, an insurance company scored in this category.
Best pet insurance in Connecticut FAQs
The average cost of pet insurance in Connecticut is $86 per month for dogs and $50 per month for cats. Your pet’s age, breed, gender, size and species, along with your Connecticut ZIP code, will determine your pet insurance costs. Prices also vary by pet insurance company and the plan and coverage choices you make.
Your dog might face an injury or medical emergency that could cost thousands of dollars to treat. Pet insurance can be worth it if you can’t afford to pay the full cost. After you’ve met the deductible, your comprehensive pet insurance coverage can reimburse you for 50% to 90% — sometimes up to 100% — of your dog’s covered medical bills.
Pet insurance is for accidents and illnesses but won’t cover your pet’s routine care expenses unless you have a wellness plan add-on. It also doesn’t cover pre-existing conditions unless the pet insurer considers them curable, like a urinary tract infection, diarrhea or vomiting. A pet insurance plan often won’t cover veterinary exam fees unless you buy an add-on that costs extra.
Connecticut pet parents should diligently keep their companions up-to-date on vaccinations and other preventive methods, like flea and tick medication. Lyme disease was first discovered in Lyme, Connecticut, and one bite from an infected tick can cause your dog to need costly treatments to bring it back to health. Dog vaccines can also reduce their risk of mites and worms.
Wild animals like black bears and coyotes roaming urban and rural areas around the Constitution State can not only cause serious injuries to your dog or cat, but they can also carry leptospirosis. This bacteria can cause symptoms such as dehydration, fever, lethargy and liver or kidney issues. Diagnostic testing will confirm the condition, and your pet may need veterinary hospital treatment with fluids, antibiotics and other prescriptions to help them shed the bacteria and regain health.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
