7 Best Pet Insurance Companies in Connecticut of 2023 – MarketWatch

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From coastal towns near New Haven to the busy city of Hartford, Connecticut, pet owners across the state might be able to benefit from a top pet insurance company that helps them keep their pet healthy while saving money on unexpected veterinary costs.
As long as your pet is eligible for coverage and doesn’t have health problems already, enrolling in a pet insurance plan is a wise investment that can shield you from costly vet bills.
To help connect pet parents to the right policy for their dog or cat, we at the Guides Home Team have analyzed, compared and reviewed top players in the industry. We evaluated factors such as policy coverage and customer care, compiling a list of the best pet insurance companies in Connecticut.
Here are the top pet insurance providers in CT: 
 
Coverage & Cost: Lemonade’s pet insurance plan covers accidents and illnesses, reimbursing you for costs from necessary treatments and procedures, such as diagnostic tests, ultrasounds, outpatient care, hospitalization and prescription medications. It doesn’t cover physical therapy or vet visit fees unless you add these items to your plan for a few extra dollars per month.
You can add preventative care coverage at two different monthly prices, typically between $10 and $30. While the cheaper option includes a wellness exam, a blood test, a heartworm test, a fecal test and three vaccines, the other option adds a routine dental cleaning and flea, tick or heartworm medication.
Lemonade excludes preexisting conditions, dental illness, behavioral treatments and elective procedures from coverage.
Here are some average prices from our sample quotes for a policy with $5,000 of annual coverage, a $250 deductible and an 80% reimbursement rate for mixed pets in Hartford, Conn., that are 1 to 9 years of age:
To learn more: Lemonade Pet Insurance Review
Get a quote: Enter your pet’s info and location into Lemonade’s online quote tool.
 
Coverage & Cost: Embrace’s pet insurance plan includes annual coverage limits between $5,000 and $30,000, and it covers costs related to your pet’s accidents and illnesses, including dental trauma, genetic and chronic conditions, such as allergies and hip dysplasia, and cancer. It excludes preexisting health issues, cosmetic surgeries and breeding-related issues from coverage.
If you want coverage for routine treatments like grooming, vaccinations and checkups, you can add the optional Wellness Rewards plan to your policy for $250, $450 or $650 of coverage per year to pay for those veterinary bills. Embrace will reimburse you for 100% of the preventative care costs up to the annual limit you choose.
Below are average prices from our sample quotes for 1- to 9-year-old mixed pets in Hartford, Conn. for a policy with a $5,000 annual limit, a $300 deductible and an 80% reimbursement rate:
To learn more: Embrace Pet Insurance Review
Get a quote: Fill out Embrace’s form for a free quote on your policy.
 
Coverage & Cost: ASPCA Pet Health Insurance offers two plans: Accident-Only and Complete Coverage. The Accident-Only plan covers injuries and emergencies from unforeseen accidents. The Complete Coverage plan covers accidents plus conditions and diseases such as arthritis, diabetes, cancer, infections, behavioral issues and hereditary conditions. Similar to other providers, ASPCA doesn’t cover preexisting conditions, breeding costs or cosmetic procedures.

Customers can also add basic or premium wellness care to their base plan. This care covers routine services such as vaccinations, deworming, dental cleanings and wellness exams. 
We compiled averages from ASPCA’s sample quotes based on dogs and cats between ages 1 and 9 in Hartford, Conn., with a $250 deductible and 80% reimbursement rate:

To learn more: ASPCA Pet Insurance Review
Get a quote: Use ASPCA’s online quote form for a free pet insurance quote.
 
Coverage & Cost: Prudent Pet provides three plans: Accident-Only, Essential and Ultimate. The Accident-Only Plan is the cheapest pet insurance option of the three, and it covers up to $10,000 per year for accidents and injuries, such as bite wounds and broken bones. The Essential Plan covers up to $10,000 per year for those accidents plus illnesses, such as digestive illness, hereditary conditions and urinary infections.
The Ultimate Plan is the most expensive option, but it offers unlimited annual coverage for accidents and illnesses in addition to a few extras, such as advertising and reward money if you lose your pet, vacation cancellation fees if you change plans while your pet is being treated and replacement cost fees if your pet is lost or stolen.
Here are some average sample premiums for the Essential Plan with a $250 annual deductible and an 80% reimbursement rate for 1- to 9-year-old pets living in Hartford, Conn.:
To learn more: Prudent Pet Insurance Review
Get a quote: Use Prudent Pet’s online tool to get an instant quote on all three plans.
 
Coverage & Cost: Petplan policies include coverage for accidents and illnesses, paying for cancer treatments, surgery, rehabilitation, behavioral therapies and more. It excludes coverage for preexisting conditions and elective surgeries, and it requires you to get your pet examined each year to remain eligible for coverage.
Although it doesn’t offer coverage for preventative care like many competitors do, it does include a few extra reimbursements, such as lost-pet advertising, boarding kennel fees if you’re hospitalized for more than four days and can’t take care of your pet, and vacation cancellation fees if you need to cancel a trip for your pet to be treated for a covered condition.
Here are the monthly averages for a Petplan policy with a $5,000 annual limit, a $250 deductible and an 80% reimbursement rates for 1- to 9-year-old mixed animals in Hartford, Conn.:
To learn more: Petplan Pet Insurance Review
Get a quote: Visit Petplan’s website to get a free quote based on your zip code and pet’s details.
 
Whether you just welcomed a new puppy into your home or you’ve lived with your furry best friend for multiple years, pet insurance can be a smart purchase. This is especially the case if you want peace of mind that you’ll be able to rush your pet to the vet immediately after an emergency without worrying about the cost.
Since offers and prices can vary greatly depending on your animal’s specific details, we recommend getting quotes from a few providers.
Lemonade is our top pick in Connecticut for its affordable policies and fast claims process. However, other options could be a better choice for you, such as ASPCA for its budget-friendly accident-only coverage or Healthy Paws for its inexpensive unlimited coverage caps.
 
Provider
Monthly Cost
Waiting Periods
Multi-Pet Discount
Mobile App
Lemonade
$22.92
2 days for accidents; 14 days for illnesses
5%
✔
Spot
$48.55
14 days for all conditions
10%
✔
Embrace
$46.21
2 days for accidents; 14 days for illnesses
10%
✔
ASPCA
$48.54
14 days for accidents and illnesses
10%
✔
Healthy Paws
$40.20
15 days for accidents and illnesses
None
✔
Prudent Pet
$56.45
5 days for accidents; 14 days for illnesses
10%
✘
Petplan
$35.69
15 days for accidents and illnesses
None
✔
*Each provider’s monthly cost is based on accident and illness policy premiums from quotes we obtained for 4-year-old medium-sized dogs in Hartford, Conn.
 
In addition to choosing the amount the provider agrees to pay in coverage per year, your annual deductible that you’ll owe before coverage kicks in and your reimbursement rate, which is the percentage of your vet bill that the provider covers while you pay the rest, you can typically choose between the following plan types:
 
Consider the following factors to find the right pet insurance company for you and your pet:
 
Based on the dozens of sample quotes we received during our research, we found that Connecticut prices are generally lower than some other states. You can expect to pay around $20–$110 per month for dog insurance, while pet insurance for cats will likely be around $10–$50 per month. However, you should compare prices based on your pet’s exact details before purchasing a policy, since premiums will vary.
We recommend getting preventative care with your policy since it helps pay for your routine vet costs, encouraging the overall health of your pet and keeping it from contracting diseases or getting sick. It can be especially valuable for pet parents of young puppies and kittens since they typically require extra care. 
We surveyed 1,000 pet owners nationwide and found that 42% of the ones who welcomed their pet home before it turned 1 paid between $200 and $500 right off the bat for initial vet visits, and 27% actually paid more than $500. Wellness plans can help reduce those out of pocket expenses.
All pet insurance policies come with waiting periods for accidents and illnesses. This means, you won’t be able to claim coverage on those conditions until after the waiting period is over. While illness waiting periods are typically around 14 or 15 days, some companies, such as Lemonade and Embrace, have waiting periods for accidents as short as two days.
 
Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, simulating the quote and purchasing process, speaking to representatives on the phone to assess the customer service experience and surveying 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage. We have scored each provider on a 100-point scale based on those elements.
Here are more details about each factor and how they’re weighted:
We use our rating system to compare and contrast each company against key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up to date and revisit our reviews on a regular basis.
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