Pet Insurance in Connecticut: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Are you looking for pet insurance in Connecticut? MoneyGeek analyzed policy details, coverage options, and thousands of quotes to help you find the best pet insurance company in Connecticut with affordable rates.

Last Updated: 3/13/2022
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Pet insurance ensures that in case of an accident or illness, the cost of treatment for your pet will be covered. Depending on factors such as the age and breed of your pet, coverage level and location, the cost of pet insurance in Connecticut can vary.

MoneyGeek gathered pet insurance data from major cities in Connecticut, including Bridgeport, Hartford and New Haven. We have identified the best pet insurance in Connecticut, whether you are looking for affordable or unlimited coverage and whether you have one or multiple pets to insure. Our analysis will help you find affordable pet insurance in Connecticut based on your budget and pet’s needs.

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The Best Pet Insurance Companies in Connecticut

MoneyGeek compared quotes from pet insurance companies in Connecticut and analyzed policy and coverage options offered by different providers to identify the best pet insurance in Connecticut. Our comprehensive analysis ranked insurers based on affordability and product offerings to identify those that offer the best pet insurance in Connecticut.

It’s important to remember that the cost of pet insurance does vary — breed, age, where you live and other factors all make a difference to how much you’ll pay. That’s why shopping around to find the best pet insurance at the best price in Connecticut is important.

Best Overall Pet Insurance in Connecticut for Your Pet

Pets Best

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Affordable rates and a variety of coverage options to suit different budgets

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Variety of discounts available including multiple pet insurance discount

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24/7 helpline and easy to use digital customer service tools

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Accident-only and wellness coverage plans cost the same regardless of age or breed.

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Annual limit options for accident and illness policies are limited to either $5,000 or unlimited coverage.

COMPANY HIGHLIGHTS

Overall, MoneyGeek found that Pets Best offers the best pet insurance in Connecticut. A Pets Best policy costs an average of $36.20 monthly. The insurer offers a wide range of coverage options making it the best choice for pet parents in Connecticut looking for quality coverage at affordable rates.

The multiple coverage levels range from accident-only plans to customized coverage options to suit your pet’s health needs and your budget. You can also choose from two wellness plan options to get coverage for routine care for cats and dogs, including vaccinations, neutering and other routine procedures. Pets Best also offers unlimited coverage if you want to get the maximum protection possible for your pet.

One of the stand-out features of Pets Best policies is that you have the option to customize your annual benefit, deductible and reimbursement rate. This allows you to choose a plan that suits your monthly premium budget. You can also get optional coverages such as prescription medications, exam fee, acupuncture and chiropractic care.

Best Pet Insurance Company in Connecticut: Unlimited Coverage

Healthy Paws

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One plan for accidents and illness

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Unlimited coverage

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Includes alternative care like acupuncture and chiropractic therapy

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No wellness coverage

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Requires a medical exam before enrollment

COMPANY HIGHLIGHTS

If you are looking for the best pet insurance policy for unlimited coverage in Connecticut, Healthy Paws is the best option. Healthy Paws unlimited coverage pet insurance costs an average of $41.75 monthly.

An unlimited Healthy Paws plan has no maximum payouts including annual or lifetime caps. This means that you get unlimited coverage that protects you in case of accidents, illnesses, genetic conditions (as long as they are not pre-existing), alternative and emergency care.

One of the key features of Healthy Paws pet insurance is that your plan will reimburse you based on your actual vet bill and not an estimate of the expected costs. This policy also has a quick claims process with most being processed within two days. However, since Healthy Paws does not offer wellness coverage, it may not be the best option for you if you are looking for pet insurance that will cover preventive care such as vaccinations and grooming.

Best Pet Insurance Company in Connecticut: Affordable Coverage

Pet Plan

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You can choose your coverage and reimbursement levels

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Online vet visits are covered

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Comprehensive plan with a wide range of additional coverages at no extra cost

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Only one option plan available

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No discounts for insuring multiple pets

COMPANY HIGHLIGHTS

If you are looking for cheap pet insurance in Connecticut, MoneyGeek found that Pet Plan is the best company for affordable coverage. On average, a Pet Plan policy costs $23.43 monthly, the cheapest rate in the state.

Pet Plan combines comprehensive coverage and cheaper rates to offer pet parents in Connecticut an affordable insurance plan that will cover most of your pet’s vet expenses. You can choose up to a 90% reimbursement rate for medical expenses from unexpected injuries and illnesses.

Pet Plan offers one comprehensive plan covering exam fees, chronic and breed-specific conditions, dental services, boarding fees, and virtual vet visits. This policy will also cover specialist visits meaning you do not have to take your pet to a specific network of clinics. Bilateral conditions and hip dysplasia are covered, and acupuncture and chiropractic treatments are also included in the coverage at no extra cost.

Best Pet Insurance Company in Connecticut: Multiple Pets

Pets Best

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Flexible customizable coverage options

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Direct veterinarian reimbursement so you don’t need to front the cash

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Discounts for insuring multiple pets

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Only two annual limit options

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Does not cover end of life expenses like cremation

COMPANY HIGHLIGHTS

Pets Best policies come with a range of customization options that allow you to select the coverages that best suit your pet’s needs. Apart from the essential coverage for accidents and illness, you also have the option to include wellness coverage in your policy to cover routine procedures such as vaccinations and neutering. You can also opt for an accident-only policy if you are on a budget and only want coverage in the event of accidental emergencies.

The insurance from Pets Best is available with either unlimited coverage or $5,000 limited coverage. You can also opt for preventive care, which can include exam fees, acupuncture treatments and prescription medication coverage in your policy to ensure your pet has maximum coverage.

Best Pet Insurance Company in Connecticut: Cats

Embrace

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Comprehensive coverage with the option to include wellness coverage for routine procedures

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You can opt for an accident-only policy. Accidents include bloat, foreign body ingestion and cuts in addition to being hit by a car.

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Reducing deductible for remaining claim-free

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Wellness benefits are limited to a maximum of $650 per year

COMPANY HIGHLIGHTS

If you are a cat owner in Connecticut, Embrace offers the best pet insurance policy for cats. It will cost an average of $23.50 monthly to insure your cat with Embrace. This policy comes with comprehensive coverage that includes chronic, congenital and breed-specific conditions.

Embrace will reimburse you for consultation and examination fees, diagnostic procedures, specialist treatment, dental, prescription medication and surgery. You also have the option of including wellness coverage to cover your cat’s expenses for preventative care and other routine procedures such as spaying or neutering, teeth cleaning, grooming and nail trims. Note that the maximum allowance for these wellness services is $650 per annum.

Best Pets Insurance in Connecticut Ranking Summary

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  • Ranking
    Winner
    Avg. Monthly Cost
  • Overall
    Pets Best
    $36
  • Unlimited Coverage
    Healthy Paws
    $42
  • Affordable Coverage
    Pet Plan
    $23
  • Multiple Pets
    Pets Best
    $33
  • Cats
    Embrace
    $24

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Connecticut?

Pet insurance rates in Connecticut will depend on factors such as the type of coverage you choose, the age and breed of your pet and your location. On average, it costs $34.26 monthly to insure your dog in Connecticut with a $5,000 limit, $64.89 monthly for a $10,000 limit and $64.81 monthly for unlimited coverage.

Cats are typically cheaper to insure than dogs at an average of $18.78 per month for $5,000 annual coverage, $32.09 per month for $10,000 annual coverage and $45.68 per month for unlimited coverage.

The age and breed of your pet will impact the cost of pet insurance in Connecticut, as will the city or area in which you live, so the above rates may vary.

Average Monthly Cost of Pet Insurance in Connecticut

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  • Pet Insurance Policy
    $5k Coverage
    $10k Coverage
    Unlimited
  • Average Cost for a Dog
    $34
    $65
    $65
  • Average Cost for a Cat
    $19
    $32
    $46
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HOW MUCH PET INSURANCE DO YOU NEED IN CONNECTICUT?

Based on MoneyGeek’s analysis, the ideal coverage for pet owners in Connecticut is $8,000 to $20,000 and a reimbursement rate of 80% or higher. These limits will ensure that you do not incur high out-of-pocket costs in the event your pet needs veterinary care due to an accident or illness.

Compare the Cheapest Pet Insurance Quotes in Connecticut

In Connecticut, most pet insurance companies offer policies with the following options:

  • Annual reimbursement limits: $3,000 limit to unlimited
  • Deductible: $250 to $500, but some companies may offer lower or higher deductibles
  • Bill reimbursement rate: 70 to 90%

Depending on your budget, you can opt for a pet insurance policy with lower coverage which means you will pay less in monthly premiums. However, if you want comprehensive coverage, you’ll have to pay more.

The trade-off is that a policy with high coverage limits will cover the expenses incurred for your pet’s medical treatments. The average pet owner in Connecticut may not need unlimited coverage but this type of policy does offer the most protection, hence the higher premiums.

MoneyGeek recommends the average coverage limits indicated below for most pet owners in Connecticut.

Cheapest Pet Insurance in Connecticut by Coverage Level

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  • Maximum Policy Coverage
    Winner: Cheapest Policy
    Avg Cost
  • $5,000
    Pet Plan
    $23
  • $10,000
    24 Pet Watch
    $55
  • Unlimited
    Healthy Paws
    $42

MoneyGeek analyzed pet insurance providers in Connecticut to help you find pet insurance companies offering the cheapest rates for policies with a $5,000 annual limit, a $500 deductible, and an 80% reimbursement percentage.

Cheapest Low Coverage: $5k Annual Maximum / 80% / $500 Deductible

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  • Pet Insurance Company
    Low Coverage Monthly Cost
  • Pet Plan
    $23
  • Pets Best
    $25
  • Spot
    $32
  • Hartville
    $33
  • ASPCA
    $33
  • Figo
    $36
  • 24 Pet Watch
    $42
  • GEICO
    $42
  • Embrace
    $42
Cheapest Average Coverage: $10k Annual Maximum / 80% / $250 Deductible

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  • Pet Insurance Company
    Average Coverage Monthly Cost
  • 24 Pet Watch
    $55
  • Figo
    $55
  • GEICO
    $60
  • Embrace
    $60
  • ASPCA
    $62
  • Hartville
    $62
  • Spot
    $62
  • Pumpkin
    $72
  • Nationwide
    $97
Cheapest Unlimited Coverage: Unlimited Maximum / 90% / $250 Deductible

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  • Pet Insurance Company
    Unlimited Coverage Monthly Cost
  • Healthy Paws
    $42
  • Pets Best
    $48
  • Trupanion
    $54
  • Pet Plan
    $70
  • Figo
    $76
  • Spot
    $99

The Best Cheap Pet Insurance by City in Connecticut

Depending on where you live in Connecticut, you may have to pay higher rates for pet insurance compared to other locations. This is because the cost of pet insurance in Connecticut will vary based on location-specific factors such as cost of living and risk factors such as weather, traffic and other hazards. Cities with a high cost of living attract higher pet insurance premiums since veterinary costs are likely to be higher. However, apart from location, the coverage amount you choose plays a large part in the cost of pet insurance.

Best Cheap Pet Insurance Companies by City
  • City
    Coverage Level and Average Monthly Rate
  • Bridgeport
    $5k: Pet Plan, $24
    Unlimited: Healthy Paws, $44
    $10k: ASPCA, $52
    $10k: Hartville, $52
    $10k: Spot, $52
  • Hartford
    $5k: Pet Plan, $20
    Unlimited: Healthy Paws, $37
    $10k: Figo, $47
  • New Haven
    $5k: Pet Plan, $21
    Unlimited: Healthy Paws, $44
    $10k: 24 Pet Watch, $54
  • Stamford
    $5k: Pets Best, $26
    Unlimited: Healthy Paws, $44
    $10k: 24 Pet Watch, $56
  • Waterbury
    $5k: Pet Plan, $20
    Unlimited: Healthy Paws, $40
    $10k: Figo, $47

MoneyGeek used city-based data in Connecticut by gathering quotes for $10k coverage, 80% reimbursement, and $250 deductible for a 1-year-old Goldendoodle.

What Factors Impact Pet Insurance Cost in Connecticut?

When buying pet insurance in Connecticut, the amount you pay in monthly premiums will be impacted by a number of factors, including:

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    Annual limits

    The coverage limit on your policy has a significant impact on the cost of pet insurance in Connecticut. If you choose unlimited coverage, your premiums will be much higher than a policy with lower yearly limits of $3,000 or $10,000.

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    Pet breed

    Cats are typically cheaper than dogs to insure. You will also find that some breeds of dogs cost more due to their susceptibility to illness.

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    Age

    Younger pets cost much less to insure because they have fewer health conditions than older pets.

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    Deductible

    Most pet insurance policies have varying deductibles ranging from $250 to $500 or more. A policy with a low deductible will cost more than a policy with a high deductible.

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    Location

    Where you live in the state may impact the cost of pet insurance. Some cities have higher risk factors for accidents and illness due adverse weather events and high traffic. The greater the risk factors are in your area, the more you are likely to pay for pet insurance in Connecticut.

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    Bill reimbursement percentage

    Your insurer reimburses you at the rate you specified when you signed up. A policy with a high bill reimbursement rate of 90% will typically cost more than one with a lower reimbursement percentage of 70% or 80%.

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    Multi-pet discounts

    some pet insurance companies in Connecticut will offer you a discount if you insure more than one pet with them.

FAQ’s About Pet Insurance in Connecticut

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet’s needs.

To determine Connecticut's best pet insurance companies, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Connecticut and to determine our affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Connecticut for four pet types with the following coverage levels:

  • Low Coverage: $5,000 Coverage, $500 Deductible, 80% reimbursement
  • Average Coverage: $10,000 Coverage, $250 Deductible, 80% reimbursement
  • High Coverage: Unlimited Coverage, $250 Deductible, 90% reimbursement

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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