Best Pet Insurance in Connecticut of 2022

Lisa Scott

When you purchase pet insurance, there are several benefits that can ensure your pet’s long-term health and well-being. Getting pet insurance means you’ll pay an amount of money monthly to your insurer and they will reimburse you in case your pet has an emergency treatment. Hence, the amount depends on the insurance plan you choose and several other factors.  

As a pet owner in Connecticut, there are so many pet insurance companies that offer several plans that you should take advantage of. However, choosing the best insurance for your pet can require a bit of research. To help you with the process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality in Connecticut.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance worth it in Connecticut? 

If you’re considering enrolling your pet under an insurance policy, you can benefit from several advantages. For one, as a resident in Connecticut, you stand to gain the advantage of using your pet insurance at any veterinary clinic that’s licensed to treat pets. Additionally, your insurer will not have to pay the vet directly, rather they will reimburse you for the medical bills. When you have a pet insurance policy in place, you can also feel reassured that your chances of financial risk have been minimized. Vet bills can cost up to $5000 for one surgical procedure, which can be difficult for many pet owners to pay upfront. For that reason, pet insurance can be a worthwhile investment because it can reduce the stress of having to choose between your pet’s well-being and your financial situation.

Moreover, pet insurance can also be useful in the case of a medical emergency. Insurance agencies will cover hospitalizations, medical procedures, treatments, and medications related to an accident, injury, or illness. Wellness care plans are also available if you want to go the extra mile and regularly maintain your pet’s health.

What types of pet insurance plans are in Connecticut?

The following are four types of pet insurance policies available in Connecticut:

  • Accident-only plan: This plan is very affordable because it only covers the cost of treatment related to an accident. Under this type of plan, your insurer will provide a fixed amount of money for each injury. One risk to buying this plan is that it will not cover any illnesses, so you’ll have to pay for the treatment out-of-pocket.
  • Accident and illness plan: Under this plan, your insurer will cover the medical bills for your pet’s illnesses and accidents. With this plan, you can rest assured that your pet’s health will be cared for when a medical emergency occurs. 
  • Wellness plan: This plan is designed to provide preventative and wellness care. This includes vaccinations, preventative procedures, and routine veterinary check-ups.  
  • Comprehensive plan: This plan provides coverage for your pet’s illnesses, injuries, accidents, and wellness care such as routine checks, tests, and examinations. Most companies will also cover chronic health conditions such as hereditary illnesses.

Keep in mind, most insurance providers will not cover your pet’s pre-existing condition(s), therefore it is recommended you enroll your pet under a policy from a young age.

What does pet insurance cover and exclude?

Depending on the insurance agency, the list of illnesses and accidents they cover can vary and are fixed under different types of pet insurance plans.

The following are most commonly covered under pet insurance policies:

  • Vaccinations: Most insurers cover annual vaccines against core diseases like rabies, canine distemper, and feline panleukopenia. Some also cover vaccinations for other conditions such as Lyme disease and West Nile virus.
  • Treatment for illness or injury: This includes emergency medical treatment for an illness or injury. This policy also covers x-rays, medications, and surgery.
  • Routine and preventative care: This includes wellness exams, routine lab tests, and other regular maintenance services you may be seeking for your pet. Heartworm testing and flea/tick preventatives are also included.
  • Diagnostic testing: This includes imaging such as ultrasounds, CT scans, MRIs, and more.

The following is a list of exclusions you should be aware of when looking at pet insurance policies:

  • Treatment or diagnosis of pre-existing conditions: Pet insurance will not cover the cost for treatment or the diagnosis of pre-existing conditions.
  • Injury or illness with intent to cause harm: Pet insurance will not cover injuries or illnesses that were provoked by abuse, neglect, self-mutilation, or any other intentional act on the pet owner’s part.
  • Breeding, pregnancy, and whelping: Pet insurance does not cover expenses related to breeding, pregnancy, or the whelps (i.e., newborn pups) if the mother dog dies during pregnancy or the whelping process. This would include transportation costs to and from the veterinary clinic, medications, and surgeries related to whelping.
  • Additional veterinary facility fees: If your veterinarian charges more than the fee agreed upon in your policy, pet insurance will not cover the difference.
  • Elective veterinary procedures: Any elective veterinary procedures will not be covered by the insurer in a basic plan. Examples of these procedures include dental care, routine surgeries such as spaying (for females), neutering (for males), and declawing. However, many policies do offer an add-on option if you would like to have coverage for elective care.

How much does pet insurance cost in Connecticut? 

Each accident and illness are distinct in their cost and they may also differ from one agency to the other. Another factor that differentiates the cost of pet insurance would be the age of a pet. This is because older pets have a higher risk of falling sick compared to younger pets, and are also more likely to make their insurance costs higher. 

The following would also be factored into the pricing of pet insurance:

  • Type of species
  • Pet’s breed
  • Number of pets
  • Coverage 
  • Type of policy
  • Medical history 
  • Deductible
  • Reimbursement 
  • Pre-existing condition(s)
  • Discounts

Veterinary bills could increase as your pet grows older, which will require you to pay for your pet’s treatment and medications when your pet falls sick. Considering the factors above, you can expect the average monthly cost of pet insurance to be between $20 to $155 in Connecticut.

What are veterinary costs In Connecticut?

As a pet owner, there are certain veterinary expenses that come along with ensuring the well-being of your pet. The following are some veterinary services along with the cost:

Veterinary ServiceCost
Facial exams$31
Spay/neuter$180
Vaccines$19 per shot
Routine check-ups$117
Dental cleaning$180
Physical exam$48
Allergy testing$230
Heartworm test$46
Geriatric screening$93

How to choose the best pet insurance in Connecticut 

To help you choose the best pet insurance plan, consider the following key factors before making your final decision:

  • Consider your budget: When choosing a plan, you should consider the kind of deductibles you would want to subscribe to, based on your budget. There should be a selection of plans with a higher deductible and that of the lower, but your deductible will depend on the type of coverage you’re seeking. Factor in all your costs to get an accurate monthly premium calculation and research if there are any promotional discounts available as well.
  • Your pet’s medical history and needs: Your pet’s needs will be central to the type of coverage you choose. Consider all potential illnesses your pet is prone to developing and ask your insurance provider if they will cover your pet if it has pre-existing conditions. Some providers will not provide coverage for a pet after a certain age.
  • Read customer reviews: It can be helpful to read what previous customers have to say about an agency you are considering. Read some customer reviews and get an idea of how the insurer handles their claims process and what their service is like.