Based on our survey of major pet insurance providers, pet insurance costs average $396 annually for cats and about $731 for dogs in Connecticut, making them 14% and 14% more expensive compared to the national average, respectively. Your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Connecticut?
Updated: July 25, 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 for dogs and 14% higher for cats compared to the national average.
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 accident-only coverage rates (which cover injuries but not illnesses) apply to policies 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.
What Factors Affect Pet Insurance Costs in Connecticut?
Pet insurance costs in Connecticut are shaped by several key factors. Click each factor to see pricing details.
Coverage level
Coverage level is the primary factor affecting pet insurance costs in Connecticut. Our baseline accident-only rates average $396 to $731 annually, while comprehensive accident and illness coverage ranges from $625 to $1,235 annually for standard parameters.
Full coverage options across all variables can range from $265 to $6,601, varying significantly based on your 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 monthly costs range from about $56 to $265 for dogs and $61 to $84 for cats, depending on your pet's breed. Dogs typically cost more to insure than cats since they tend to 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 claim 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. Individual rates may vary significantly based on your pet's specific health history, your chosen veterinarian and other factors.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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
In Connecticut, your dog's breed significantly impacts pet insurance costs, with monthly rates starting at $56 for small mixed breeds and reaching $265 for Bull Mastiffs. Take a look at the comprehensive breakdown below to find the typical insurance cost for your specific breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $114 | $1,371 |
*These rates represent 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.
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Cat Breed:Abyssinian
| Abyssinian | $84 | $1,003 |
*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.
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Pet Type: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 (cat) and a Labrador Retriever (dog).
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.
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Pet Type: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 find the best pet insurance at the lowest price for your furry family member.
- 1
Evaluate Your Coverage Needs
Before buying pet insurance, determine how much coverage you need based on your pet and budget. Consider your pet's breed-specific health risks, typical vet costs in your area and what you can realistically afford in monthly premiums.
- 2
Research Cost-Saving Options
Look into average insurance costs for your specific pet type and desired coverage level. While pet insurance offers fewer discounts than other insurance types, you can often save money through multi-pet policies or by bundling with other insurance products.
- 3
Investigate Provider Reputation
Read customer reviews on independent forums to understand real experiences with different insurance providers. Pay close attention to coverage details, waiting periods,and claims processes to ensure the provider matches your needs.
- 4
Compare Multiple Quotes
Get quotes from at least three different pet insurance providers to find the best value. While most companies offer instant online quotes for cats and dogs, exotic pet owners should prepare to contact providers directly for specialized coverage options.
- 5
Review Policy Details
Carefully examine policy documents for coverage limits, deductibles, and exclusions before making your final decision. Pay special attention to pre-existing condition clauses and annual coverage caps to avoid surprises when filing claims.
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 Determined Average Pet Insurance Costs in Connecticut
All costs in this article are based on or modified from the following profile:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- For dogs: Labrador Retriever (6 years old)
- For cats: Ragdoll (7 years old)
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.