4 Best Pet Insurance In Connecticut (CT)

As a pet parent who resides in Connecticut, if you want your cat or dog to enjoy a long and vibrant life then you must get pet insurance in Connecticut for them. 

Despite your pup looking healthy from day to day, an accident or emergency can occur at any point in time in their lives.

Which can lead to thousands of dollars especially when it comes to emergencies like surgeries.

This is why you need to seek out financial assistance from some of the best pet insurance providers.

So, in this article, we explore the best pet insurance companies for Connecticut residents so you can be sure your pup gets the best care.

In addition, we have answers to most of the frequently asked questions about pet insurance in Connecticut.

That said, let’s get into the details.

Infographics showing a list of the 4 best insurance companies in Connecticut

Table of Contents

The 4 Best Pet Insurance companies in Connecticut 

1. Lemonade Pet Insurance:

This is an insurance company that is worth considering because they provide one of the lowest monthly costs.

With the use of the company’s app, you can submit a claim and get reimbursement in minutes according to the company.

Basically, they offer a variety of coverage limits, reimbursement and deductibles, and discount options. 

Also, they offer an inexpensive boost coverage and several ads-on as a result, making it a more comprehensive coverage for your animal.

This add-on includes packages like physical therapy, hydrotherapy, and acupuncture.

That said, Lemonade has 3 different types of the waiting period, which include;

  • 2-days waiting period for accidents,
  • 14 days for illnesses, and
  • 6 months for cruciate ligament injuries.

Read Also The 5 Best Pet Insurance Companies For Dogs and Cats in 2023

How Much Does Lemonade Pet Insurance Cost In Connecticut?

Here is an example of the monthly premium quote we received in Hartford, Connecticut for policies with $5,000 of annual coverage, 80% reimbursement rates, and $250 deductibles:

For Dogs: $20 to $58 per month

For Cats: $13 to $21 per month

Pros

  • The best plan for young kittens and puppies 
  • Offers 2days waiting period for accidents.
  • No age limit for coverage 
  • Optional wellness plan available 
  • Multiple discount programs 
  • Fast processing of claims
  • Multiple policies and riders available 
  • Offers a multi-pet discount of 10%

Cons

  • No 24/7 pet telehealth line
  • Don’t cover behavioral treatments
  • No unlimited benefits

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2. Spot Pet Insurance 

This particular pet insurance company offers two types of policies for cats and dogs.

One is for accidents only and the other coverage is for both accidents and illnesses which also includes exam fees and vet visit fees.

They offer two types of Wellness and preventive care coverage options which are Gold and platinum.

So, you can add any of the options to your accident-only or accident-and-illness plan for an additional cost.

Spot provides you with various ways to customize your plan with options for annual coverage limits, deductibles, and reimbursements.

In addition, the Spot makes it perfect for those who need only minimal coverage with their cheap plan on accident-only coverage.

That said, they cover advanced treatments like chemotherapy and surgery, stem-cell therapy, and acupuncture.

How Much Does Spot Pet Insurance Cost In Connecticut?

Here is a sample quote to show you the value of Spot’s customizable accident-only coverage.

Which vary based on the breed or age like other plans.

For the policy with $2,500 of annual coverage, an 80% reimbursement rate, and a $300 deductible on pets in Hartford, Connecticut.

Dogs: $30 to $50 per month

Cats: $18 to 25 per month

Pros

  • No upper age limit 
  • 30 days money back guarantee 
  • Covers the veterinarian office visit fee for illness and accidents
  • Offers a multi-pet discount of 10%
  • Optional wellness plan available
  • Has a 24/7 pet telehealth line
  • A low $100 deductible is available
  • Its standard plan includes microchipping.
  • Has option for unlimited annual coverage 

Cons 

  • Doesn’t cover pets under eight weeks old.
  • The waiting period for accidents is 14 days

Read Also4 Best and Cheapest Pet Insurance Companies In New York (NYC)

3. ASPCA Pet Insurance 

ASPCA pet health insurance is one of the best due to its partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA).

They offer accident-only, accident and illness, and preventive care for cats and dogs as well as horses.

That said, ASPCA’s premium rates are affordable and they are more flexible when it comes to certain policy terms.

For example, while other companies set an age limit on coverage, they guarantee coverage no matter the age of your animal.

Also, other pet insurance companies do not cover pre-existing conditions; however, ASPCA handles pre-existing conditions that are curable.

This means that if your animal has a curable condition and is free from the treatment and symptoms for at least 180days it can be covered.

However, the pre-existing conditions don’t apply to knee conditions or ligaments. So if any of these appear during the waiting period, any future ones won’t be covered.

How Much Does ASPCA Pet Insurance Cost In Connecticut?

Below are some sample prices from the monthly quote in Hartford, Conn. with selected coverage of $5,000 per year, a reimbursement rate of 80%, and an annual deductible of $300:

Dogs: $28 to $69 per month

Cats: $16 to $40 per month

Pros

  • Covers horses in addition to dogs and cats.
  • Pre-existing conditions are covered after 180 days.
  • No upper age limit 
  • Covered stem cell therapy and microchipping.
  • Includes coverage for Exam fees
  • Offers multi-pet discount of 10%
  • Has a 24/7 telehealth line

Cons

  • Doesn’t offer unlimited annual coverage 
  • Limited choice of deductible
  • Has a waiting period of 14 days for accidents, which is longer than some other insurers.

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4. Embrace Pet Insurance 

Embrace pet insurance provides you with a variety of options for coverage, reimbursement, and deductibles within your budget.

Also, you can lower your premium with a diminishing deductible that reduces it by $50 each year you don’t have a claim paid

Their coverage includes accidents, illnesses, and other conditions. In addition, they also offer an accident-only policy to pet owners in California.

However, when you buy an accident-only policy you won’t be covered for conditions included in accident and illness plans.

Embrace is best for older pets because they are willing to offer coverage for animals that are up to the age of 15.

In addition, all of their policies come with a 30days money-back guarantee or a prorated refund.

How Much Does Embrace Pet Insurance Cost In Connecticut?

Here is a sample quote we received on pets in Hartford, Conn. for accident and illness plans with $5,000 of annual coverage, a $300 deductible, and an 80% reimbursement rate:

Dogs: $42 to $62 per month

Cats: $21 to $43 per month

Pros

  • They offer a 10% multi-pet discount, 5% military discount, and 10% discount through its employee benefits program.
  • Features an online chat on its website for customer service
  • 2 days waiting period for an accident
  • Covers the veterinarian office visit fee for illness and accidents.
  • Has a 24/7 pet telehealth line.

Cons 

  • Consider ligament (CCL) tears a preexisting condition and as a result, will not cover CCL in one leg if previously diagnosed in the other

Continue reading to learn about how pet insurance works in Connecticut. 

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How Does Pet Insurance In Connecticut Work?

Many pet insurance companies allow you to select from a variety of reimbursements options and there are several components which make up a pet insurance policy.

Below are the things to look out for when enrolling for pet insurance in Connecticut.

1. Premium Payments:

In order for you to keep your policy active you will have to pay a monthly premium.

This cost is generally based on several factors which are:

  • Your pets age, breed and gender
  • Coverage amount 
  • Your zip code 
  • The type of insurance company you choose

2. Deductibles

Deductible is an amount of the vet bills that you are to pay before your pet insurance coverage starts.

For instance, an insurance company might give you options to choose from $250, $500 and $800 deductible.

It’s important to note that choosing a smaller deductible will increase the monthly cost of your policy.

So, best advice: don’t choose a deductible that is too high or too low, stay on the average level.

3. Reimbursement Percentages 

This reimbursement level is basically the amount your insurance company will reimburse you as well as the portion of the vet bill you must pay.

If for instance you choose a 70% reimbursement level, you will be responsible for the 30% of the vet cost.

4. Annual Maximum Coverage Limit

Now, it’s important to note that choosing a lower reimbursement level will reduce your monthly cost but you will have to pay more vet bills.

What this means is that they can only pay claims up to a certain amount in a year.

Some pet insurance companies have a certain annual coverage limit they can attain to a policy.

So, if you choose a $5000 coverage limit and you exceed this amount in a year, for the rest of the year you will pay the vet bills out of your pocket.

Although, there are some pet plans that offer unlimited coverage options.

Now you know how it works, let’s learn about some of the factors that affect the prices of pet insurance.

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What Are The Factors That Affect The Price Of Pet Insurance In Connecticut?

There are factors which determine the amount a pet insurance provider can give you for a monthly premium.

Below are some of them:

1. Your Pet’s Age:

Due to their higher risk of developing medical problems, older pets often cost more to insure than younger ones. 

So  early pet insurance can assist in keeping the costs down when the policy’s terms are renewed yearly.

2. The Type of Breed:

The cost of insurance for some dog or cat breeds that are more prone to illnesses might be way higher than other types.

For instance, the cost of insurance for golden retrievers is more than that of  Yorkshire terriers or mixed breeds.

3. Location: 

Basically, your zip code which shows your location actually plays a role too in increasing your quote.

So, it’s advisable you get quotes from insurance providers that are close to you based on your exact state.

4.  Plan Customization: 

Many insurance providers actually offer different customization options so that you can only get to pay for what you need.

You can choose to lower your premium, by selecting a lower annual coverage as well as a lower reimbursement rate, and higher deductibles.

Although, having a higher out of pocket pay during claim might cost a lot of money in the long run.

5.  Discounts:

There are some insurance companies that offer multi pet discounts. For instance, Spot gives customers who insure multiple pets a 10% discount.

In addition, insurance companies also offer extra discounts like military or a claim-free discount.

Now you know some of the factors that affect the price, continue reading to learn how to find the best pet insurance for your furry friend.

Read on to learn the things to look out for when choosing pet insurance in Connecticut.

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How Do I Choose The Best Pet Insurance In Connecticut?

There are so many things to put into consideration when you want to choose a pet insurance provider for your pet.

First, we recommend you understand the kind of pet insurance plan you’ll need.

1. Understand How The Plan Will Be Used:

Before enrolling for a plan, you must know what your pup needs most in order for you to choose the plan that best suits them.

There are three types of pet insurance plans available in the market that are commonly used.

Which are:

Accidents only Coverage:

This plan exclusively covers medical pet emergencies. For example if your furry friend accidentally swallows something they weren’t supposed to or got hit by a car.

All you have to do is just file for a claim and get reimbursed after paying the vet bill.

Accidents and Illness:

This kind of insurance typically pays vet bills for illnesses, including common illnesses, hereditary conditions, and serious illnesses. 

It includes the cost for emergency vet visits together with standard veterinary care required to treat common health problems in pets. 

Wellness Plans:

After selecting your desired level of coverage, you can then opt for a wellness program for pets, which will act as a “rider” on top of your insurance policy, if you choose to sign up.

Doing this will provide financial benefits on preventive care such as annual checkups, required for your pet’s vaccinations.

Above all, what determines the right plan for you is the type of coverage you want for your cat or dog.

2. Your Access To Care:

When it comes to reimbursement, most top pet insurance plans will offer coverage for any licensed veterinarian or care provider.

Sometimes, some carriers require you to see a vet in a particular network which might not be close to your state.

Especially when it has to deal with alternative care providers such as behavioral therapists, chiropractors, or acupuncturists.

Ultimately, be sure the policy you’re enrolling into covers for all of the care you provide your pup.

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3. Choose a plan with a 24/7 vet helpline:

If for instance your cat or dog mistakenly ate a poisonous plant on a Sunday afternoon, your vet might not be able to help you through the process.

This is where your vet helpline comes in and not all pet insurance companies offer a 24/7 vet helpline to answer questions.

Embrace and Spot pet insurance companies offer a 24/7 vet helpline.

So, selecting an insurance company that offers such will put your mind at ease.

4. Look For A Multipet Discount:

There are some insurance companies that offer multi pet discounts. For instance, Spot gives customers who insure multiple pets a 10% discount.

In addition, insurance companies also offer extra discounts like military or a claim-free discount. 

5. Find out the waiting periods

When you enroll for a pet insurance policy, there is a certain amount of time you have to wait before it will start to reimburse you for vet bills.

Although, every insurance company’s waiting periods vary across the industry. 

For instance, companies like Embrace have a 2 days waiting period for accidents while ASPCA has a 15 days accident waiting period.

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6. Check For Eligibility

If your cat or dog is elderly or suffers from an ongoing medical condition, a health and accident insurance coverage might be too expensive thereby not providing the care they need.

However, a discount plan might be of more value since they don’t exclude senior pets or those with pre existing conditions.

In as much as some companies might not allow senior pets to enroll for the first time, they can be eligible for accident coverage if you can afford it. 

Again, depending on the insurance company, puppies and kittens must be at least up to 6 to 10 weeks old to be insured

Does Connecticut Have Pet Laws?

Yes. Before taking your pup out on a walk, we recommend that you get familiar with Connecticut pet laws.

Below are some of the most notable ones:

  • Dogs and cats need to have current rabies vaccinations, and there should be proof when requested.
  • Pets can not be transported in the back of a truck.
  • When you do not pay a vet bill, the veterinarian has the right to legally hold your pet at their clinic.
  • Animals must wear their licenses and rabies tags on their collars.
  • Dogs must be licensed by six months of age. 
  • When you are in public, your dog must be leashed.

Summary of the Best Pet Insurance in Connecticut 

Conclusion 

All of the pet insurance providers reviewed on this page are reputable companies and they provide substantial coverage for pets.

Have in mind that plans with the most comprehensive coverage won’t always be the best for your pet because you might lose a lot of money.

It’s important you have a conversation with your vet before you begin shopping since pet insurance plan prices will vary depending on your pet’s age, breed and zip code.

Because the health information you gather from your vet about your pup can help anticipate what veterinary future expenses will be.

With this you can then look for a plan with coverage that matches your pet’s specific needs.

That’s said how to choose the best insurance provider has been explained you can scroll up and read.

Also don’t forget to check out the pet laws of any state you find yourself in before taking your furry friend on a walk outside.

Frequently Asked Questions 

Do Pet Insurance In Connecticut Cover For Hip Dysplasia?

Many pet insurance companies cover for hip dysplasia since it’s a hereditary condition.

However, some policies may have extended waiting periods specific to this condition for example, Lemonade has a 6 months waiting period for cruciate ligament issues.

Do Most Vet In Connecticut Accept Pet Insurance?

Pet insurance companies don’t need to have a direct relationship with vets like your health insurance company does.

Since you submit your own claims rather than having the veterinarian handle it for you

This implies that your pet insurance company can work with any licensed veterinarian in the country.

Do pet insurance companies In Connecticut only Cover for Dogs and Cats?

Most pet insurance companies only have coverage for cats and dogs but this is not the case of all companies.

Companies like ASPCA have coverage for horses while Nationwide has a policy for birds and exotic animals.

What Is The Average Cost Of Pet Insurance In Connecticut?

Based on the quotes we received while sourcing for informations from some of the popular providers, we found this;

Pet insurance in Minnesota usually costs from $30 to $50 per month for dogs and $18 to $25 for cats.

However, this is not a fixed price because prices vary by species, breed, your pup’s age and zip code.

Do Pet Insurance in Connecticut Cover For Pre-existing Conditions?

Basically, pet insurance policies don’t cover for any health condition that occurs prior to the time of enrollment or during the waiting period.

Some issuers like ASPCA cover for pre-existing conditions that are curable and free from symptoms for at least 180days.

What Are The Best Pet Insurance In Connecticut For Dogs?

When it comes to getting the best insurance companies for your dog, it can be a little bit stressful.

Having the best policy for your dog will hove you leave of mind do here are our best pick

  • Lemonade 
  • Spot
  • Embrace 

What Are The Best Pet Insurance in Connecticut for Cats?

The best pet insurance companies for your cat or kitten are:

  • Lemonade 
  • Embrace 

Do pet insurance companies in Connecticut cover spaying and neutering?

Generally most pet insurance companies don’t cover Spaying and Neutering because it’s considered a predictive procedure.

However, there’s a way pet providers offer the coverage for spaying and neutering through a wellness plan.

Which is what you’ll find in companies like Spot, ASPCA and Embrace, for instance.

Is Pet Insurance Worth It In Connecticut?

Since most pets will require urgent veterinary care at some point in their lives and since such care can be very expensive, Connecticut residents should consider purchasing pet insurance. 

Treatments for terminal illnesses like cancer can cost more than $10,000. 

With Pet insurance pet parents will focus their attention and energy on assisting their dog or cat in getting well by minimizing the financial pressure.

References 

Theoldhouse.com – Best Pet Insurance in Connecticut (2022)

Asherfergusson.com – 6 Best Connecticut Pet Insurance for Dogs & Cats (2022 Reviews)

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