Based on our survey of major insurers, pet insurance costs average $396 annually for cats and $731 for dogs in Connecticut, making them 14% more expensive compared to the national average. Your premium will depend on your pet's breed and age, along with your coverage choice.
How Much Is Pet Insurance in Connecticut?
Updated: December 22, 2025
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Key Takeaways
In Connecticut, pet insurance for dogs is around $61 per month or $731 per year, and cat premiums are around $33 monthly or $396 annually.
According to our survey, Connecticut pet insurance costs are 14% higher than the national average for both dogs and cats.
Get the best cheap pet insurance in Connecticut by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Connecticut?
| Cat | $33 | $396 |
| Dog | $61 | $731 |
*These rates are for accident-only policies that cover injuries but not illnesses, with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). Although we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
Our guides below can help you better understand the best pet insurance in Connecticut across different situations:
What Factors Affect Pet Insurance Costs in Connecticut?
Several pricing factors shape pet insurance costs in Connecticut.
Coverage level
Coverage level is the primary factor affecting pet insurance costs in Connecticut. Accident-only rates average $396 to $731 annually for our sample profile, while comprehensive accident and illness coverage ranges from $625 to $1,235 annually for standard parameters.
Full coverage options across all variables range from $265 to $6,601, varying based on chosen coverage limits, deductible and reimbursement percentage.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference, too. Our research shows costs range from $56 to $265 monthly for dogs and $61 to $84 for cats, depending on the breed. Dogs cost more to insure than cats since they have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age since they become more susceptible to illnesses and injuries. In Connecticut, annual premiums range from $258 to $1,482, with older pets commanding higher rates due to increased health risks.
Location
Where you live affects your pet insurance rates through factors like local veterinary costs and regional health risks. Connecticut pet insurance rates run $49 higher than the national average for cats and $91 higher for dogs per year, with minimal variation across cities within the state.
Your vet
The veterinary clinic you choose influences your insurance costs because different practices charge varying rates for services. These differences in veterinary fees directly impact reimbursement amounts and ultimately affect your premium rates.
Average Connecticut Pet Insurance Costs by Coverage
Your choice of coverage is the biggest factor in determining pet insurance costs in Connecticut, with monthly premiums ranging from $22 to $551 depending on your selected coverage level and type of pet.
The table below shows comprehensive accident and illness coverage rates. Rates depend on the pet's health history, chosen veterinarian and other factors, like annual limits.
Data filtered by:
$5,000
80%
$500
| Cat | $52 | $625 | 14% |
| Dog | $103 | $1,235 | 14% |
Average Connecticut Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Connecticut. Our research shows monthly costs range from about $56 to $265 for dogs and $61 to $84 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Connecticut
Your dog's breed affects pet insurance costs in Connecticut. Monthly rates start at $56 for small mixed breeds and reach $265 for Bullmastiffs. Check the breakdown below for typical costs by breed.
Data filtered by:
Select
| Affenpinscher | $117 | $1,408 |
| Afghan Hound | $138 | $1,657 |
| Airedale Terrier | $148 | $1,768 |
| Akita | $151 | $1,805 |
| Alaskan Husky | $121 | $1,448 |
| Alaskan Malamute | $142 | $1,702 |
| Alsatian | $159 | $1,912 |
| Alsation | $149 | $1,784 |
| American Bulldog | $197 | $2,367 |
| American Bully | $184 | $2,209 |
| American Eskimo | $103 | $1,231 |
| American Foxhound | $118 | $1,411 |
| American Hairless Terrier | $100 | $1,201 |
| American Staffordshire Terrier | $161 | $1,933 |
| Australian Cattle Dog | $114 | $1,363 |
| Australian Kelpie | $122 | $1,456 |
| Australian Shepherd | $97 | $1,165 |
| Australian Silky Terrier | $100 | $1,200 |
| Australian Terrier | $107 | $1,279 |
| Basenji | $102 | $1,225 |
| Basset Fauve de Bretagne | $133 | $1,590 |
| Basset Hound | $163 | $1,955 |
| Beagle | $121 | $1,455 |
| Bearded Collie | $112 | $1,346 |
| Belgian Shepherd Malinois | $135 | $1,622 |
| Bernese Mountain Dog | $265 | $3,176 |
| Bichon Frise | $108 | $1,297 |
| Bloodhound | $190 | $2,275 |
| Border Collie | $102 | $1,217 |
| Border Terrier | $107 | $1,281 |
| Borzoi | $164 | $1,962 |
| Boston Terrier | $116 | $1,382 |
| Boxer | $190 | $2,276 |
| Bracco Italiano | $134 | $1,608 |
| Briard | $143 | $1,710 |
| British Bulldog | $230 | $2,762 |
| Brussels Griffon | $112 | $1,337 |
| Bullmastiff | $264 | $3,163 |
| Bull Mastiff | $272 | $3,261 |
| Bull Terrier | $161 | $1,929 |
| Cairn Terrier | $114 | $1,360 |
| Cane Corso | $219 | $2,628 |
| Caucasian Shepherd Dog | $202 | $2,425 |
| Cavachon | $92 | $1,104 |
| Cavalier King Charles Spaniel | $122 | $1,461 |
| Cavapoo | $88 | $1,063 |
| Central Asian Shepherd Dog | $179 | $2,139 |
| Chihuahua | $76 | $909 |
| Chow Chow | $142 | $1,705 |
| Clumber Spaniel | $149 | $1,787 |
| Cockapoo | $86 | $1,031 |
| Cocker spaniel | $130 | $1,556 |
| Collie | $124 | $1,487 |
| Corgi | $139 | $1,669 |
| Coton De Tulear | $99 | $1,177 |
| Dachshund | $100 | $1,193 |
| Dalmatian | $160 | $1,912 |
| Dingo | $103 | $1,232 |
| Doberman Pincher | $187 | $2,239 |
| Doberman Pinscher | $259 | $3,111 |
| Dogue de Bordeaux | $268 | $3,212 |
| English Bulldog | $240 | $2,874 |
| English Foxhound | $114 | $1,367 |
| English Mastiff | $241 | $2,888 |
| English Pointer | $134 | $1,607 |
| English Setter | $131 | $1,571 |
| English Springer Spaniel | $122 | $1,463 |
| English Toy Terrier | $103 | $1,236 |
| Estrela Mountain Dog | $167 | $2,009 |
| Field Spaniel | $124 | $1,489 |
| Finnish Lapphund | $115 | $1,385 |
| Foxhound | $120 | $1,438 |
| Fox Terrier | $106 | $1,269 |
| French Bulldog | $213 | $2,555 |
| German Pinscher | $111 | $1,330 |
| German Shepherd | $139 | $1,668 |
| German Shorthaired Pointer | $126 | $1,509 |
| German Spitz | $120 | $1,438 |
| Giant Mix (100 pounds+) | $131 | $1,566 |
| Giant Mix (110 pounds+) | $123 | $1,479 |
| Giant Mix (111 pounds+) | $113 | $1,353 |
| Giant Mix (90 pounds+) | $166 | $1,984 |
| Goldendoodle | $107 | $1,279 |
| Golden Retriever | $145 | $1,737 |
| Gordon Setter | $163 | $1,955 |
| Great Dane | $241 | $2,893 |
| Great Pyrenees | $162 | $1,943 |
| Greyhound | $159 | $1,900 |
| Groodle | $97 | $1,158 |
| Harrier | $125 | $1,498 |
| Havanese | $89 | $1,063 |
| Hungarian Vizsla | $155 | $1,858 |
| Husky | $107 | $1,281 |
| Icelandic Sheepdog | $118 | $1,412 |
| Irish Setter | $141 | $1,691 |
| Irish Terrier | $116 | $1,388 |
| Italian Greyhound | $115 | $1,375 |
| Italian Spinone | $131 | $1,573 |
| Jack Russell Terrier | $86 | $1,030 |
| Japanese Chin | $100 | $1,202 |
| Japanese Spitz | $101 | $1,204 |
| Kangal Shepherd Dog | $218 | $2,614 |
| Keeshond | $126 | $1,512 |
| Komondor | $154 | $1,841 |
| Labradoodle | $107 | $1,277 |
| Labrador Retriever | $138 | $1,659 |
| Large Mix (51-100 pounds) | $113 | $1,359 |
| Large Mix (51-110 pounds) | $104 | $1,246 |
| Large Mix (55-90 pounds) | $115 | $1,389 |
| Large Mix (60-109 pounds) | $123 | $1,479 |
| Large Mix (61+ pounds) | $114 | $1,363 |
| Large Mix (71+ pounds) | $204 | $2,447 |
| Large Mix (Over 70 pounds) | $112 | $1,354 |
| Lhasa Apso | $99 | $1,183 |
| Lurcher | $161 | $1,930 |
| Maltese | $97 | $1,158 |
| Maltipoo | $80 | $963 |
| Medium Mix (20-55 pounds) | $90 | $1,086 |
| Medium Mix (20-70 pounds) | $95 | $1,140 |
| Medium Mix (21-70 pounds) | $212 | $2,547 |
| Medium Mix (23-70 pounds) | $114 | $1,365 |
| Medium Mix (26-50 pounds) | $95 | $1,136 |
| Medium Mix (26-59 pounds) | $123 | $1,479 |
| Medium Mix (31-50 pounds) | $95 | $1,142 |
| Medium Mix (31-59 pounds) | $94 | $1,123 |
| Miniature Bull Terrier | $162 | $1,941 |
| Miniature Dachshund | $105 | $1,260 |
| Miniature Fox Terrier | $112 | $1,337 |
| Miniature Pinscher | $99 | $1,186 |
| Miniature Poodle | $91 | $1,088 |
| Miniature Schnauzer | $107 | $1,279 |
| Mixed Breed | $122 | $1,464 |
| Mixed Breed Giant (>90 lbs) | $173 | $2,074 |
| Mixed Breed Large (51-90 lbs) | $114 | $1,359 |
| Mixed Breed Medium (31-50 lbs) | $85 | $1,013 |
| Mixed Breed Small (>10 lbs) | $71 | $843 |
| Mixed Breed Small (11-30 lbs) | $73 | $883 |
| Mixed breed Small (up to 20lbs when full grown) | $69 | $819 |
| Mixed Dog (21-50 pounds) | $100 | $1,203 |
| Mixed Dog (51-90 pounds) | $122 | $1,444 |
| Mixed Dog (91 pounds+) | $127 | $1,522 |
| Morkie | $83 | $996 |
| Newfoundland | $230 | $2,756 |
| Norfolk Terrier | $113 | $1,348 |
| Norwegian Elkhound | $117 | $1,408 |
| Norwich Terrier | $110 | $1,318 |
| Olde English Bulldogge | $256 | $3,065 |
| Old English Buldogge | $206 | $2,472 |
| Old English Sheepdog | $150 | $1,793 |
| Papillon | $96 | $1,155 |
| Pekingese | $105 | $1,259 |
| Pembroke Welsh Corgi | $123 | $1,471 |
| Peruvian Hairless Dog | $106 | $1,273 |
| Petit Basset Griffon Vendeen | $156 | $1,869 |
| Petit Basset Griffon Vendeens | $117 | $1,405 |
| Pitbull | $153 | $1,836 |
| Pointer | $125 | $1,498 |
| Pomeranian | $100 | $1,199 |
| Portuguese Water Dog | $139 | $1,663 |
| Pug | $126 | $1,504 |
| Puggle | $91 | $1,090 |
| Puli | $130 | $1,560 |
| Rhodesian Ridgeback | $161 | $1,927 |
| Rottweiler | $239 | $2,860 |
| Rough Collie | $133 | $1,591 |
| Saint Bernard | $254 | $3,047 |
| Saluki | $136 | $1,624 |
| Samoyed | $129 | $1,541 |
| Schnoodle | $93 | $1,113 |
| Scottish Deerhound | $195 | $2,337 |
| Scottish Terrier | $134 | $1,600 |
| Shar Pei | $207 | $2,487 |
| Shetland Sheepdog | $103 | $1,236 |
| Shiba Inu | $92 | $1,104 |
| Shih Tzu | $83 | $998 |
| Siberian Husky | $112 | $1,341 |
| Small Mix (0-20) | $68 | $801 |
| Small Mix (0-25) | $123 | $1,479 |
| Small Mix (10 and less pounds) | $66 | $799 |
| Small Mix (1-10 pounds) | $69 | $824 |
| Small Mix (11-25) | $66 | $787 |
| Small Mix (11-30) | $78 | $933 |
| Small Mix (20 and under pounds) | $164 | $1,965 |
| Small Mix (22 pounds or less) | $82 | $986 |
| Small Mix (25 and less pounds) | $79 | $942 |
| Small Mix (Under 20 pounds) | $58 | $686 |
| Smooth Collie | $128 | $1,530 |
| Soft Coated Wheaten Terrier | $126 | $1,506 |
| Staffordshire Bull Terrier | $139 | $1,660 |
| Standard Poodle | $133 | $1,597 |
| Standard Schnauzer | $119 | $1,428 |
| Tibetan Mastiff | $227 | $2,715 |
| Tibetan Terrier | $127 | $1,528 |
| Toy Mix (10 and less pounds) | $85 | $1,016 |
| Toy Poodle | $95 | $1,131 |
| Vizsla | $135 | $1,619 |
| Weimaraner | $164 | $1,969 |
| Welsh Corgi Cardigan | $119 | $1,430 |
| Welsh Corgi Pembroke | $123 | $1,471 |
| Welsh Springer Spaniel | $108 | $1,300 |
*These rates are for policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in Connecticut
In Connecticut, cat insurance rates vary by breed, with monthly premiums ranging from $61 for Domestic Shorthairs to $84 for Abyssinians, as shown in the detailed breakdown below.
Data filtered by:
Select
| Abyssinian | $86 | $1,024 |
| Australian Mist | $79 | $944 |
| Balinese | $79 | $941 |
| Bengal | $74 | $884 |
| Birman | $70 | $838 |
| Bombay | $63 | $753 |
| British Longhair | $63 | $757 |
| British Shorthair | $77 | $918 |
| Burmese | $72 | $861 |
| Chinchilla | $71 | $852 |
| Cornish Rex | $76 | $916 |
| Devon Rex | $72 | $855 |
| Domestic Shorthair | $62 | $749 |
| Exotic Shorthair | $86 | $1,025 |
| Himalayan | $73 | $873 |
| Maine Coon | $83 | $989 |
| Munchkin | $72 | $859 |
| Norwegian Forest cat | $69 | $824 |
| Persian | $77 | $919 |
| Ragdoll | $65 | $777 |
| Russian Blue | $65 | $783 |
| Savannah | $78 | $930 |
| Scottish Fold | $73 | $878 |
| Serengeti | $73 | $875 |
| Siamese | $64 | $772 |
| Siberian | $77 | $925 |
| Snowshoe | $74 | $891 |
| Sphynx | $83 | $985 |
| Tonkinese | $70 | $837 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Connecticut Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in Connecticut since older pets need more medical care. Prices range from $258 to $1,482 per year. Check the breakdown below to see costs for your pet's age.
Data filtered by:
Cat
| Under 1 | $21 | $258 |
| 1 | $23 | $281 |
| 2 | $25 | $301 |
| 3 | $27 | $329 |
| 4 | $30 | $360 |
| 5 | $33 | $391 |
| 6 | $35 | $424 |
| 7 | $49 | $582 |
| 8 | $42 | $498 |
| 9 | $46 | $549 |
| 10 | $51 | $610 |
| 11 | $57 | $684 |
| 12 | $64 | $769 |
| 13 | $69 | $827 |
| 14 | $77 | $920 |
| 15 | $85 | $1,016 |
| 16 | $94 | $1,122 |
| 17 | $95 | $1,142 |
| 18 | $105 | $1,259 |
| 19 | $115 | $1,372 |
| 20 | $124 | $1,482 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll and a Labrador Retriever.
Average Connecticut Pet Insurance Cost by City
Your city barely affects pet insurance rates in Connecticut: just a few dollars difference per year. Below are costs for some of Connecticut's biggest cities.
Data filtered by:
Cat
| Hartford | $33 | $396 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Connecticut
Our simple step-by-step guide shows you how to get pet insurance at the lowest price for your furry family member.
- 1Evaluate Your Coverage Needs
Determine how much coverage you need based on your pet's breed-specific health risks, typical vet costs in your area and monthly premiums you can afford.
- 2Research Cost-Saving Options
Research average insurance costs for your pet type and coverage level. Pet insurance offers fewer discounts than other insurance types, but you can save through multi-pet policies or bundling with other insurance products. Check if you're also eligible for pet insurance low-income programs.
- 3Check Provider Reputation
Read customer reviews on independent forums for real experiences with different providers. Pay close attention to coverage details, waiting periods and claims processes to ensure the provider matches your needs.
- 4Compare Multiple Quotes
Get quotes from at least three pet insurance providers to find the best value. Most companies offer instant online quotes for cats and dogs. Exotic pet owners need to contact providers directly for specialized coverage.
Average Pet Insurance Cost in Connecticut: Bottom Line
Pet insurance in Connecticut costs more than the national average but isn't the most expensive. Among the states we surveyed, it ranks 10th highest. Expect to pay around $33 monthly for cats and $61 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Connecticut: FAQ
We've compiled comprehensive answers about pet insurance costs in Connecticut to help you understand pricing options and make informed decisions about protecting your pet.
How much does pet insurance cost in Connecticut?
In Connecticut, pet insurance costs an average of $61 per month for dogs, but depending on age, pricing ranges from $37 to $212 monthly. Insuring cats in the state costs around $33 monthly, but monthly pricing varies from $21 to $124 by age.
Is Connecticut pet insurance expensive?
Connecticut ranks as the tenth most expensive state for dog and cat insurance coverage across the United States.
How should I go about buying pet insurance in Connecticut?
To buy pet insurance in Connecticut, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details, and compare multiple quotes.
How We Analyzed Average Pet Insurance Costs in Connecticut
Pet insurance pricing varies by breed, age and coverage choices, making it tough to compare options fairly. We collected quotes using standardized profiles to show you realistic costs across Connecticut's major providers.
Our sample profile represents typical coverage choices:
- $5,000 annual limit — Balances premiums with financial protection for unexpected vet bills
- 80% reimbursement — Industry standard that keeps premiums affordable while covering most treatment costs
- $500 deductible — Common midrange option that most pet owners can manage after an emergency
Sample pets:
- Dogs: 6-year-old Labrador Retriever (popular breed, moderate health risks)
- Cats: 7-year-old Ragdoll (common purebred with typical age-related concerns)
We chose these ages because they represent when pet owners often start seeing increased vet costs, but before pre-existing conditions become widespread issues. The coverage levels reflect what most Connecticut pet owners purchase, not bare minimum policies or premium plans most people skip.
Your costs will differ based on your:
- Pet's breed and age
- Chosen coverage limits and deductible
- ZIP code (vet costs vary regionally)
- Any breed-specific health conditions or pre-existing issues
Use these rates as your comparison baseline, then get personalized quotes that reflect your pet's health risks and your budget constraints.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.