Best Pet Insurance in Connecticut (CT) 2022

Pet Insurance in Connecticut

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Connecticut is one of the most diverse US states, especially when it comes to nature. Thanks to its 139 parks and forests, it comes as no surprise that many pet owners choose to move here. 

Fun fact: up to 50% of all households in CT own a furry companion! So, to accommodate them and let them safely enjoy the scenery with their pet, Connecticut provides access to top-notch pet insurance.

Pet insurance in CT functions almost the same as in other US states. The primary location factors that affect policy variations are the risk of illness or injury for your pet, pet care cost, and veterinarians’ access. 

To help you find the ideal insurance for your fluffy friend, we created a list of Connecticut’s best pet insurance companies.

Lemonade

Lemonade is a modern pet insurance Connecticut company with a drive for innovation and social change. It is considered the best option for socially-conscious pet owners and those who want to make the most out of the pet insurance CT offers. 

Pros:

  • Low-cost plans and three available discounts;
  • A short waiting period for accidents (only two days);
  • Offers special care packages for pups and kittens;
  • Donates 40% of unused claims to charity;
  • Boasts the highest-rated mobile app that simplifies insurance claims for clients.

Cons:

  • Doesn’t cover pet pre-existing conditions;
  • Doesn’t cover microchipping, most dental work, and behavioral issues;
  • Unavailable in 12 states;
  • For eligibility, pet parents must provide records of medical exams done a maximum of one year after the policy starts.

Plans & Coverage

Lemonade’s standard insurance plan covers all medical costs linked to accidents and illnesses. This includes poisoning, sprains, hip dysplasia, diabetes, surgeries, hospitalizations, emergency care, injections, needed medication, and diagnostics (MRI, CT scan, X-rays, ultrasound, and urinalysis).

Connecticut’s Lemonade pet insurance plan allows owners to include add-ons in their coverage.

With an Extended Accident and Illness package, your coverage will include physical therapy, acupuncture, and hydrotherapy.

On the other hand, if you choose the Preventative and Wellness package, you can also claim costs for flea and tick medications, standard dental cleaning, blood tests, vaccines, and routine exams.

This package add-on has another fantastic benefit – access to the company’s pet experts through Lemonade’s live chat.

Spot Pet Insurance

Spot is a top pet insurance Connecticut boasts, ideal for pet owners who frequently use alternative therapy and treatment. This insurance provider offers the best pet insurance for dogs in CT for two reasons – it doesn’t have an age limit, and it covers a wide range of hereditary conditions.

Pros:

  • One-month guarantee for reimbursement;
  • No age limit;
  • Covers behavioral issues and exam fees;
  • Covers prescribed food and supplements;
  • Excellent customer support.

Cons:

  • A long waiting period for activating claims for accidents (14 days);
  • High insurance premiums;
  • No customer service on the weekends;
  • You can’t get pet insurance if your pet is less than eight weeks old.

Plans & Coverage

At Spot Pet Insurance CT, you can choose between the Accident-Illness plan and the Accident-Only plan.

The first one covers all accidental injuries, pet illnesses (cancer, UTI, diabetes, etc.), behavioral issues, infections, and hereditary and chronic conditions (hip dysplasia, arthritis, allergies, heart disease, etc.).

This plan also covers hospitalization, emergency care, microchipping, diagnostics, and alternative therapy (acupuncture, physiotherapy, chiropractic care, and therapeutic diets).

Besides these two plans, Spot offers coverage inclusions as well. There are two types of add-ons: gold and platinum.

The gold one costs $9.95 per month, and with it, you can claim coverage for specific vaccines, spaying, deworming, dental cleaning, and a heartworm test. The platinum costs $24.94 and covers blood tests, urinalysis, fecal tests, a health certificate, and other vaccines.

Embrace

Embrace is, without a doubt, one of the best pet insurance providers in Connecticut. They have a unique and flexible system that allows cat/dog owners to save money, customize their plan, and show their pets some extra love with Embrace’s special Wellness package.

Pros:

  •  A short waiting period for accidents (only two days);
  • Coverage applies even when your pet is outside the US;
  • Offers five annual deductibles and many discounts;
  • Provides a Healthy Pet deductible (annual deductible decreases by $50 if you don’t claim your insurance);
  • A short medical history review to determine pre-existing conditions (only 12 months before the policy starts).

Cons:

  • Has an enrollment fee of $25;
  • Has a 14-year age limit;
  • A $30,000 coverage cap.

Plans & Coverage

Like Spot Pet Insurance, Embrace also offers two plans at hand: Accident-Illness and Accident-Only. The first one covers almost anything you can think of, making it the best pet insurance Connecticut has. 

This includes dental illness, hereditary and breed-specific conditions, chronic illnesses, cancer, orthopedic issues, and preventable diseases (Lyme disease, parasites, parvo, etc.)

The Embrace insurance plan takes care of the treatments your dog or cat may often need, including hospitalization, prescribed drugs, surgery, emergency and specialist care, diagnostics, and alternative treatments.

However, what truly sets Embrace apart is the Wellness Rewards for Routine Care plan. Some of the best services included in this reimbursement package are:

  • Microchipping;
  • Spaying and neutering;
  • Medical shampoos;
  • Routine and gland expression;
  • Grooming;
  • Hip dysplasia exams.

Healthy Paws

Healthy Paws is a top pet insurance CT has that strives to end pet homelessness. This company values ethics, empathy, and responsibility. Plus, they are the perfect option for pet parents who want comprehensive and easy-to-understand pet insurance coverage.

Pros:

  • Unlimited coverage caps;
  • Fast claim processing;
  • A simple insurance policy;
  • A portion of each insurance quote goes to charity;
  • So far, donated over $1.6 billion to homeless pets.

Cons:

  • Higher deductibles and less customization for pets older than six;
  • A waiting period of 12 months for activating a claim for hip dysplasia;
  • No options for preventative care.

Plans & Coverage

Healthy Paw prides itself in offering only one (but all-inclusive) insurance package. This makes purchasing pet insurance CT offers much easier as it simplifies the entire process and eliminates risks for hidden costs. So, one thing is for sure with Healthy Paws – you always get what you pay for!

Their only plan doesn’t come with add-ons. Instead, it covers most things pet owners want from pet insurance coverage. This includes illness and accidents, congenial problems, chronic disease, diagnostics, surgery, hospitalization, emergency and specialty care, and alternative treatments.

The most prominent disadvantage of Healthy Paws is that they don’t offer any type of coverage for preventive care and pet wellness treatments. However, some pet parents don’t want to get coverage for these services and prefer Healthy Paw’s more simplistic approach.

Fetch by the Dodo

Fetch by the Dodo is the best pet insurance in Connecticut for pet parents who prefer cutting-edge medicine. The premier company continuously pushes the industry limits from covering virtual vet exams and homeopathy to prioritizing behavioral therapy.

Pros:

  • Simple insurance policy with one standard plan and no add-ons;
  • A pet insurance plan that is broad and unique;
  • Helps when your pet gets stolen/lost by covering reward and advertising expenses;
  • Coverage for out-of-the-box treatments;
  • Superior dental care coverage.

Cons:

  • No preventative care package;
  • Higher costs for older pets;
  • Requires a pet medical exam within six months after the policy starts.

Plans & Coverage

Fetch by the Dodo has only one insurance plan covering all standard items like diagnostics, surgeries, hospitalization, illness, injury, and emergency care.

However, Fetch by the Dodo’s insurance coverage is comprehensive and unique. It includes items you won’t find on any other insurance policy. Some of the top benefits they provide are:

  • Non-prescribed healing substances recommended by a vet (herbal medicine, nutraceutical, vitamins, etc.);
  • Breed-specific conditions;
  • Pet boarding fees up to $1000 when the owner is in the hospital;
  • Virtual veterinary consultations up to $1000 per year;
  • Holistic and alternative treatments.

ASPCA

ASPCA Pet Health Insurance provides broad coverage that includes behavioral, hereditary, and congenital conditions. We recommend this insurance provider for pet parents who prefer coverage add-ons and highly flexible plans.

Pros:

  • No waiting period for cruciate ligament issues;
  • 24/7 telehealth line;
  • Offers a wellness package;
  • Covers microchipping and behavioral problems;
  • One-month guarantee for a reimbursement.

Cons:

  • $10,000 coverage cap;
  • 15-day waiting period for accidents;
  • Poor customer service when compared to other pet insurance companies in CT.

Plans & Coverage

ASPCA Pet Health offers two insurance plans: Accident-Only and Complete Coverage. You can include one out of their two wellness inclusions.

The Accident-Only pet insurance plan provides coverage for procedures (MRI, CT scans, X-ray, tooth extraction, surgery, and microchip implantation), treatments (prescribed medication or food, alternative therapy, and stem cell therapy), and expenses (poison control, medical supplies, end of life expenses)

The Complete Coverage is far more thorough as it also includes illnesses, hereditary and congenital conditions, UTIs, arthritis, cancer, etc.

Figo

Figo is an insurance company that expanded the concept of pet care. Using their app, called The Figo Cloud, you can keep track of your pet’s health, meet other pet owners, locate the best pet-friendly places in Connecticut, schedule playdates, and contact a pet expert.

Pros:

  • The shortest waiting period for accidents (only one day);
  • Multiple insurance plans and add-ons;
  • 24/7 customer service;
  • You can choose a vet outside the USA;
  • Offers reimbursement levels of 70%, 80%, 90%, and 100%.

Cons:

  • Lowest rating on the BBB (Better Business Bureau);
  • Older pets can’t get smaller deductibles;
  • Fees for vet exams are considered an extra cost;
  • Does not cover dental illness.

Plans & Coverage

Figo has three different accident-illness pet insurance plans: essential, preferred, and unlimited. They all cover the same injuries and illnesses. Nonetheless, they differ in the maximum annual coverage: $5,000, $10,000, and unlimited.

The items you will find on the Figo insurance plans are standard. They include but are not limited to: poisoning, bite wounds, dental trauma, burns, surgery, hospitalization, pet ambulance transport, acupuncture, orthodontic treatment, and diagnostics (X-ray, ultrasound, lab testing, CT scan, etc.)

This insurance company also provides several wellness add-ons to expand your pet’s insurance policy to spaying and neutering, vaccination, blood testing, heartworm prevention, and wellness exams.

Like Fetch by the Dodo, one of Figo’s coverage add-ons covers boarding fees and rewards for lost pets.

How Much Is Pet Insurance in Connecticut?

Besides your zip code and location, many other factors influence the cost of pet insurance in CT. Your insurance provider will first look into your pet’s species, age, and breed.

Insurance plans are more expensive for larger animals and breeds. For example, the average monthly cost for premium pet insurance in Connecticut is $31.56 for cats and $52.63 for dogs.

Additionally, the average dog insurance cost in Connecticut is around $12 more for dogs that are 5.5 years old compared to the insurance cost for six or 18-month-old pups.

And if your pet has a breed-specific condition, expect a higher insurance plan cost. For example, insurance for English Bulldogs is much more expensive partly because these wrinkly dogs are especially vulnerable to skin infections, respiratory problems, and heat. 

Even though you can’t control the factors mentioned above, you can still lower the cost of your insurance plan. You can choose a reputable pet insurance company in CT that offers discounts, convenient deductibles, limitless annual/lifetime coverage, and high reimbursement percentages.

FAQ: Pet Insurance in Connecticut

Do I need pet insurance in CT?

Having pet insurance in Connecticut is not required, but it is highly advisable. CT has a diverse landscape that includes oceans, woodlands, and fields. Even though dogs love exploring nature, the chances of getting injured in such areas are much higher.

When can I get pet insurance?

You can obtain a pet insurance policy whenever you like. Because most companies don’t cover pre-existing conditions, it’s best to start coverage six to eight weeks after adopting your furry friend. Also, keep in mind that some pet insurers have age limits on their policies.

When can I claim my pet insurance coverage?

Pet parents can claim their pet insurance coverage between two days and six months, depending on their chosen company and the issue at hand. Most insurers allow filing claims in a week or two for accidents and injuries and from six months to a year for dysplasia, ligament ruptures, and orthopedic problems.

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Ralph Davidson

Ralph Davidson

Chief Editor of PethealthCareOnline.com