Pet Insurance in Connecticut

Choosing the right pet insurance company for you and your dog or other pets in Connecticut can be a frustrating and confusing process. How much coverage will my plan provide? How fast will I be reimbursed? Are there any health issues not covered?

Here at iHeartDogs, we created an easy comparison below of all the major pet insurance brands in Connecticut and across the US. You can also use the form below to receive a no obligation quote from all the major pet insurance carriers at once, allowing you to compare pricing and coverage:

Best Pet & Dog Insurance in Connecticut

Let’s take a deep dive into the features and benefits of each of the major pet insurance brands here in Connecticut and across the USA. Simply scroll to the right to view all the brands:

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000

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Receive a Free No-Obligation Quote from All the Pet Insurance Carriers At Once
Rather than visiting each insurance carrier’s website, you can use the form below to receive a no obligation quote from all the pet insurance carriers at once, allowing you to easily compare:

Which pet insurance company is best?

Connecticut Pet Insurance FAQs

How Much Does Pet Insurance In Connecticut Cost?

Pet insurance in Connecticut varies widely based on breed, age, location, and size. The prices for the state are slightly higher than average, $20 and $141. Adding options can increase the cost significantly, although choosing only accidental insurance can lower the price.

Other factors can affect the cost of insurance in Connecticut, such as local dangers. Extreme cold, dangerous animals, accidents, and allergies can cause pet catastrophes in Connecticut. Many animals must endure allergies and require medication locally. Also, the East Coast has brutal winters and humid summers, leading to many complications for pets.

Severe weather risks accidents and sickness for our dogs. Additionally, despite thick coats, pets can get frostbite and hypothermia in the cold. Summer’s heat and humidity can cause overheating and dehydration. Pet insurance helps protect your pet’s health and safety in the future. 

Coyotes can be predatory and territorial in urban and rural environments. Coyotes can injure dogs and cats in Connecticut. These attacks occur when pets are allowed out early or late. With pet insurance, owners can receive their pet the treatment they need without worrying about the expense. 

Is A Pet Wellness Plan Worth The Extra Monthly Cost?

A wellness plan reimburses you for routine veterinary charges, such as those incurred during a regular checkup at the veterinarian. Wellness plans are also known as “preventive plans” because they assist you in paying for preventative services such as dental cleaning, vaccinations, heartworm testing, and more. 

Some veterinary practices specialize in puppy wellness and preventative care plans, while most pet insurance firms offer health insurance and supplemental wellness plans for dogs and cats. However, when you factor in the cost of routine care such as vaccinations, microchipping, spaying, and neutering, you have a lot on your plate. 

A wellness policy for your pet is, of course, a personal decision. It must be in accordance with your budget and requirements. While there are numerous advantages to having a policy, the final decision as to whether or not a pet wellness plan is worthwhile rests entirely with the individual and their pet. Additionally, the cost may be prohibitive for some customers as many pets do not need chronic care. 

What Is A Standard Pet Insurance Waiting Period In CT?

To avoid covering pre-existing conditions, all pet insurance companies impose a waiting time before covering a pet’s health issues. The average time it takes to recover from an illness is 14 to 30 days. The typical length of time spent recovering from an injury is between 2 and 15 days. For particular concerns or breeds, some companies may impose extended waiting periods.

What Pet Insurance Is Most Widely Accepted In CT?

Most pet insurance companies do not pay the vet directly but instead reimburse the customer. For this reason, almost all insurances will work in Connecticut, but you should always check as there are some exceptions. 

Does Pet Insurance Cost A Lot In CT?

Yes, the cost of veterinary care in Connecticut costs, on average, 23.53 percent more than the national average, making it one of the most expensive states. As insurance companies need to make a profit, they will have higher rates in states with higher care costs to compensate. 

What Is The Best Pet Insurance In CT?

The best insurance for your pet depends on your needs, budget, breed, and several other factors. With so many considerations, one pet insurance will not work for every customer. Instead, weigh multiple insurance companies’ pros and cons and find what works best for your company. Some of the most common options in the state are ASPCA, Pet’s Best, Pet Plan, Hartville, Metlife, and Figo. 

What Is An Annual Deductible On Pet Insurance?

Most pet insurance packages have an annual deductible. This arrangement requires you to pay a deductible before the plan reimburses you for vet services. Each year, the choice refreshes, so you must meet the deductible. Long-term, a higher deductible may be better for being prepared for important occasions.

Is Spaying In CT Covered By Pet Insurance?

Most pet insurance companies do not cover the costs of neutering and spaying pets in a traditional policy. Coverage providers, on the other hand, usually provide this service as an add-on to their overall product and service package. As a result, you should expect to pay a higher premium for this addition to your policy.

How Do Pet Insurance Deductibles Work?

Before making a claim, you must pay the vet bill out of pocket. If your claim is approved, the money will be deposited into your account or mailed to you. The plan structure determines your reimbursement. Deductibles are the amount you pay per year for coverage.

Can I Claim My Pets On My Taxes If I Live In CT?

In most cases, you can only deduct a service dog, a working dog, or a performing pet from your taxes. Some foster pet fees, as well as moving expenses, may be deductible. Unfortunately, there are currently no tax benefits available for the average family dog who spends his days napping on the couch or playing in the backyard.

Can You Write Off Pet Insurance?

Unfortunately, you cannot deduct pet medical bills as a medical expense on your tax return unless your animal qualifies as a service or guide dog. However, you can deduct medical expenses for your dogs if they are qualified service animals, if you have a physical impairment, or are hearing or sight-impaired. In addition, expenses such as purchasing, training, and maintaining the animal, feeding, grooming, and medical transportation may be covered. 

The IRS does not consider therapy animals to be qualified service animals. However, if you own and care for a recognized service animal, you can deduct the costs of owning and caring for the animal on Schedule A under medical expenses. Some of the qualifying expenses are purchasing, grooming, and maintaining veterinary services.

How Much Is Average Dog Insurance A Month In Connecticut?

Connecticut pet insurance costs $20–$120 per month, which is greater than many other states. Several factors affect the costs, starting with your choices for coverage limit, deductible, reimbursement rate, and more. Choose a larger deductible, smaller coverage limit, and lower reimbursement percentage for cheaper pet insurance. 

Some pet breeds, including golden retrievers and basset hounds, are more prone to need treatments and operations than others. Older pets are more likely to have health problems. In addition, older pets cost more to insure than puppies. To prevent higher prices, enroll your pet early.

Do Dogs Have To Be Vaccinated For Pet Insurance?

Before issuing a pet health insurance coverage, most pet insurance providers will require confirmation of core vaccines. The cost of high-priced treatment is not a risk they are willing to take. They may also deny a claim if the condition is considered pre-existing since the dog has not been immunized. If vaccines are not kept up to date, several policies may be canceled. Most pet insurance mandates dogs’ distemper, hepatitis, leptospirosis, and parvovirus vaccinations.

Does Pet Insurance Cover Putting To Sleep In CT?

Our pets leave us at some point, no matter how hard we try to avoid it. In many situations, their death is exacerbated by high vet expenses. Euthanasia and other death-related veterinarian costs may be covered by pet insurance.

Some pet insurance companies cover euthanasia and other related end-of-life expenses. Some pet insurance companies will pay out if your dog dies, but only up to the amount you bought for the dog or its current market value. Some will cover euthanasia but not cremation; others will cover both, yet others will cover a portion, and the pet owner will cover the rest. 

Pet owners should shop around for pet insurance to see which companies cover these costs, which ones do not, and how much each one covers. Pet owners will almost always be required to pay copayments or deductibles even at the end of their pet’s life. However, healthy Paws, ASPCA, Pets Best, Embrace, Nationwide, Trupanion, and Figo offer some financial help for euthanasia.

Which Pet Insurance Company Does iHeartDogs.com Recommend?

Our recommendation depends very much on your individual situation. You can compare quotes for your dog’s age and your location here. We can report that Trupanion, HealthyPaws, and Pets Best are very popular with iHeartDogs supporters.

Compare Pet Insurance Companies. Which is best?

What do iHeartDogs Readers Think About Pet Insurance?

Is Pet Insurance Worth It? - We asked [33] Dog Owners and Here's What They Said

Pet insurance is "worth it" if you can afford the cost of the insurance, but could not afford an emergency vet bill. However, the best plan is to only get a pet if you can afford vet care, & to have a special savings account set aside for pet emergency care. - Louise 

Very much worth it. I have Nationwide. It used to be VPI. It doesn’t cover things in full, but it very much helps. More then paid for itself with my first two dogs. Haven’t needed it much with the two I have now but if something happens, I won’t hesitate to get the best treatment I can. It really helps. - Beth

Yes it is worth it. But you need to shop wisely for it. I have care credit that is used when needed. With no excluded treatments because it's up to me! Great rates and options to pay back. Saved my bank account a number of times. - Jennifer

Always worth it with my previous pet dog, Louie (French bulldog) and current pet dog, Lucy (dachshund).
It’s more than paid for itself each time. Unless you can cough up $10,000 for an emergency surgery I suggest you get pet insurance. Healthy Paws I highly recommend!!! - Leo

My vet one time said...my a "Dogs are Expensive" account. Whatever the going rate for pet insurance is...say $100...put that monthly in the "D A E" account. If you are ahead at the end of the year roll that money over....then, if you do need a big sum you have it, and if you don't the $ is in your pocket and not the insurance company's... whatever you decide..good luck! - Peggy

With my last dog no. I paid 17 years and never made a claim. With the two I have now definitely. My JR managed to get a dog toy piece stuck in her intestine - hugh, expensive op so worth it. I don't like the fact that even though my dogs are both young, the premium has gone way up however. 3&2 are not senior dogs. - Kit

Before just checking quotes check with your vet or ones in your area. The one problem with many pet insurances it actually may affect the cost a vet or clinic may charge for a service based on what they may have to pay or what they need to do get paid. For example a base xray charge may be $100 if you pay yourself but say you use insurance A that may cost the clinic so much a year to be a member or requires so much documentation or takes so long for payment may increase the charge to $130-150 .Then if you have a deductible you will be paying more. Your vet will also know which ones are more reliable for your area and for the needs for your breed. - Candi

I would never have a pet without insurance. Way too risky for those sudden and age related injuries/health issues . Everyday check- ups and vaccines are incidental costs compared to many things that can go wrong w ur furry family member ❤️ - Holly

I'm furious that insurance companies have now made owning pets incredibly expensive. Once insurance companies enter into the equation, the price for everything goes "through the roof." I wish these monsters would be regulated and insurance, health care was NON PROFIT!!!!!! - Rhonda

Yes Healthy Paws has been great. My Boston is on constant eye meds for about 6 years and 2 surgeries. I have 80 percent and they pay right away. - Lynda

Worth it if you plan ahead. One of my dogs I adopted and got insurance a year or so later and insurance has denied EVERYTHING…even an ear infection at 10 years old, as a preexisting condition because she had one when she was 3years old. My other dog I got insurance right away (lesson learned!) and it has been a huge benefit because ten years later he had significant medical expenses that were covered at 90% I could not be more thankful to have the insurance - Shannon

Definitely worth every penny! Our Shitz tore her ACL, swallowed my husband’s hearing aid, puts everything in her mouth!!! We have Healthy Paws. Very pleased. Just wish we went with 90% coverage instead of 80%. Get it BEFORE they have an issue!! - Jan

Nope not worth it. I love my babies but, it's like human insurance, Hardly worth getting. More n likely whatever your pet has insurance won't cover it so your still gonna pay out the ying yang. So here we are paying out the ying yang for insurance and still paying high dollar to a vet. - Nancy

Yes. My sweet hound developed allergies. The insurance covers are $73. Apoquel prescription plus everything else that goes wrong. She had a cough with meds the bill was over $400. Very happy we have insurance. - Pamela

Yes! For 10 years I never had to use it. Then my dog got very sick and needed to go to the animal hospital. She was diagnosed with diabetes and cushings disease and the costs for all the medications and testing she undergoes until we get her regulated is exorbitant. With the insurance I’ve been getting most of it back. - Erica

Worth it! Preventative/wellness services usually aren't included with accident/injury plans, but most insurances offer that separately (for more money). Get coverage asap when you get a pet... preexisting conditions are almost never covered and the older a dog gets, the higher the cost gets. I had Nationwide through my previous employer. The plans were supposed to follow my pets for life, after I left the job, but (long story short) the plans were cancelled. So now I'm getting new insurance through ManyPets for a dog who was 9 when I got the Nationwide plan, but is now 13 - with preexisting conditions. For all three of my dogs, it's about $235/month (that's with the optional wellness plans added for each). But if anything happens to any of my "kids", I pay a $250 annual deductible, then ManyPets covers 80% - with no lifetime limit. - Andrea

Yes. It's worth it. You never know what might happen. I see so many go fund me's to help animals when insurance would have covered it. Fyi, Trupanion is slightly more expensive but can pay the Vet directly if the Vet is signed up on their system. I have my 2 dogs and 2 cats covered. - Blythe

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