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.
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.
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.
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.
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.
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.
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.
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.
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.
The following are four types of pet insurance policies available in Connecticut:
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.
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:
The following is a list of exclusions you should be aware of when looking at pet insurance policies:
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:
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.
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:
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To help you choose the best pet insurance plan, consider the following key factors before making your final decision: