Get the Best Pet Insurance in Connecticut in 2025

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Choosing the right pet insurance in Connecticut can feel overwhelming with so many options to consider. To find the best fit for your pet’s needs and your budget, it’s essential to understand what different policies offer.

This guide is here to help pet parents in the Constitution State navigate their choices. We’ll cover the costs, highlight top plans, and explain important rules and protections specific to Connecticut. By the end, you’ll know exactly what to look for in a pet health insurance plan to ensure your furry friend stays happy and healthy.

Summary: Best Connecticut Pet Insurance Ratings

AKC Pet Insurance

Best for pets with pre-existing conditions

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

ASPCA Pet Insurance

Best for wide-ranging coverage

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Embrace

Best for flexible policy options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Felix

Best for cats

Max Annual Coverage

$15,000

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$500

Figo

Best for reimbursement options

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$750

Pets Best

Best for senior pets

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$50-$1,000

Pumpkin

Best for puppies and kittens

Max Annual Coverage

Unlimited

Reimbursement Choices

90%

Deductible

$100-$1,000

Spot

Best for straightforward waiting periods

Max Annual Coverage

Unlimited

Reimbursement Choices

70%, 80%, 90%

Deductible

$100-$1,000

Comparison information is provided using publicly available information as of 12/6/2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing info@petplace.com.

How Much Does Pet Insurance Cost in Connecticut?

According to our research, Connecticut pet insurance costs an average of $41 per month. This gets you a plan with $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement level. For unlimited annual coverage with the same deductible and reimbursement rate, it's $68 a month*.

We calculated these figures by averaging the monthly costs from eight major pet insurance providers. To estimate typical expenses, we gathered quotes for a three-year-old, medium-sized, mixed-breed dog in two Connecticut cities: Bridgeport, a major urban center, and Torrington, an average-sized city for the state.

It's important to note that your own Connecticut pet insurance cost will depend on factors such as:

• Annual limit, deductible, and reimbursement level. These are the three primary components that determine your monthly premium. The annual limit is the maximum amount the policy will pay out in a year. The deductible is the amount you pay out-of-pocket before the insurance starts to cover costs. The reimbursement level is the percentage of the covered costs the insurance pays after the deductible. Generally, the higher the annual limit and reimbursement level, the more expensive the policy will be.
• Breed and gender. Some breeds are more prone to certain health conditions than others, which can impact the cost of insurance. Additionally, some insurers may charge different rates based on the gender of your pet.
• Your location. Where you live can affect the cost of pet insurance. Urban areas tend to have higher premiums due to the higher cost of veterinary care in cities.
• Your pet’s age. Just like with human insurance, the younger your pet is when you enroll them in a policy, the lower the premium will be. As they age, premiums may increase.

Additionally, there are other factors that can affect the cost of pet insurance, such as pre-existing conditions, your pet’s lifestyle, and whether or not you choose to add on any optional coverage. That's why it's vital to compare Connecticut pet insurance plans carefully and choose a policy that suits your budget and your pet's individual needs.

Cost of Pet Insurance for Dogs in Connecticut

According to our research, the average cost of pet insurance for a medium-sized mixed breed dog in Connecticut is $41 per month*. This is based on a policy with $5,000 of annual pet insurance coverage, a $250 deductible, and an 80% reimbursement level. A policy offering unlimited annual coverage, with a deductible of $250 and an 80% reimbursement rate, costs $68 monthly.

Cost of Pet Insurance in Connecticut by Dog Breed

According to the American Kennel Club (AKC), the three most popular dog breeds of 2023 in the U.S. were the French Bulldog, Labrador Retriever, and Golden Retriever. Here are the monthly pet insurance rates you can expect to pay for these breeds in Connecticut:

Cost of Pet Insurance for Cats in Connecticut

Pet insurance for cats is significantly cheaper than dog insurance in Connecticut. The average monthly cost for cat insurance in the state ranges from $18 to $46, depending on factors such as age, annual coverage, breed, deductible, plan type, and reimbursement amount**.

Cost of Pet Insurance in Connecticut by Cat Breed

In 2023, the three most popular cat breeds in the U.S. were the Ragdoll, Maine Coon Cat, and Persian, according to the Cat Fanciers' Association (CFA). Based on our analysis of Connecticut pet insurance, here are the average monthly rates for these breeds:

Cost Comparison for Pet Insurance Companies in Connecticut

Types of Pet Insurance Plans

Pet insurance companies offer policies that cover a wide range of issues, from accidents and illnesses to routine care. Here's an overview of the most common types of pet insurance plans:

Accident and Illness

This type of policy typically covers unexpected accidents and illnesses, such as broken bones, cancer, and infections. It generally includes diagnostic tests, x-rays, ultrasounds, exam fees, hospital stays, surgeries, and prescription medications.

Coverage may also extend to treatments like prosthetic devices, mobility aids, and, in some cases, alternative therapies such as acupuncture or chiropractic care. Coverage for behavioral issues and insurance for senior dogs and senior cats can vary between providers and might not always be included in the base plan, requiring add-ons or separate policies.

Accident Only

Accident-only pet insurance policies are typically the most affordable plans available, covering injuries from accidents like cuts, broken bones, and sprains. This includes vet exams, diagnostic testing (x-rays, MRIs, ultrasounds), hospitalization (surgery and treatment), medications, and rehabilitation.

Wellness and Routine Care

Wellness and routine care plans help manage and offset the cost of preventive care to keep your pet healthy. These policies generally cover routine check-ups, vaccinations, dental cleanings, microchipping, deworming, spay/neuter surgeries, and flea and tick prevention. This type of coverage is often available as an optional add-on to an accident and illness policy.

Pre-Existing Conditions

Pet insurance providers traditionally do not cover pre-existing conditions, making this an essential factor for pet owners to consider when choosing a policy. A pre-existing condition is any health issue that your pet was diagnosed with or showed symptoms of before the start date of the insurance policy or during the waiting period.

However, some insurance companies distinguish between curable and incurable pre-existing conditions. For curable conditions, if your pet has been symptom-free and has not required treatment for a specific period – typically for 6 to 12 months before the policy start date – these conditions might then be eligible for coverage. In contrast, incurable conditions, such as chronic diseases or ongoing illnesses, are generally not covered at any point.

Review your sample policy from your provider for a full list of condition coverage and exclusions.

Reimbursement

Reimbursement rates dictate the percentage of the vet bill that will be paid back to you after you've met your deductible. Common reimbursement levels offered by pet insurance companies range from 70% to 90%. Keep in mind that higher reimbursement rates typically result in higher monthly premiums, so you'll need to find the right balance that works for your budget and needs.

Waiting periods are another vital component of pet insurance policies. They refer to the time between the start date of your policy and when coverage actually begins. Most pet insurance plans have a waiting period for both accidents and illnesses, which can range from a few days to several months.

Accidents usually have a shorter waiting period, often starting within 48 to 72 hours after the policy begins, while waiting periods for illnesses might last anywhere from 14 to 30 days or more. It's vital to note these periods because no claims can be made for accidents or illnesses that occur during the waiting period.

How to Find the Best Pet Insurance in Connecticut

When choosing pet insurance, it’s important for Connecticut pet owners to consider the state’s unique risks for pets. Connecticut's wooded areas make it a hotspot for tick-borne diseases like Lyme disease, which are common and can be serious. Regular tick prevention is essential to keep pets healthy.

Rabies is another concern, with wildlife like raccoons and bats serving as carriers. Ensuring vaccinations are up to date is an important part of responsible pet ownership in the state. Leptospirosis, a bacterial disease found in standing water, can also pose a risk, especially in rural or flood-prone areas.

Connecticut’s cold winters bring the added challenge of frostbite or hypothermia for pets exposed to extreme weather. Providing proper shelter and limiting outdoor time during freezing temperatures are essential for protection.

Choosing a pet insurance plan with coverage for illnesses and injuries, preventive care, and emergencies can give you peace of mind while managing your pet’s health in Connecticut’s varied environment.

Here are some important features Connecticut pet parents should keep in mind when selecting the best pet insurance plan in the Constitution State:

• 24/7 vet helpline. Access to a 24-hour veterinary helpline for immediate advice on emergency care or general health questions can be incredibly valuable. This is especially true in a state like Connecticut, where seasonal changes and local wildlife can present unique challenges.
• Direct vet payments. Some insurance providers offer the option to pay your vet bills directly, so you don't have to pay out of pocket and wait for reimbursement.
• Wellness and routine care coverage. Choosing a policy that offers wellness and routine care coverage can help offset the costs of preventive care.
• Waiting periods. Consider the waiting periods for accidents and illnesses to ensure you understand when coverage will begin.
• Vet exam fees coverage. Having coverage for exam fees in Connecticut can lead to significant savings over time, making it easier to manage veterinary costs.
• Multi-pet discount. If you have multiple pets, look for providers that offer discounts for insuring more than one pet.

Connecticut Pet Laws

Known for its picturesque landscapes and rich history, Connecticut takes responsible pet ownership seriously with pet laws designed to protect animals and ensure public safety. Here’s an overview of key pet regulations in the Constitution State:

• Pet licensing and rabies vaccinations. All dogs over six months old must be licensed in the town where they live, with proof of a current rabies vaccination required. Additional fees apply for unspayed or unneutered dogs. While cat licensing and rabies vaccinations aren't mandated statewide, some municipalities may have their own rules.
• Running at large. Municipalities in Connecticut can prohibit dogs from running loose. A dog habitually found growling, biting, snapping, chasing, or interfering with people, animals, or vehicles may result in a class D misdemeanor charge for its owner.
• Animal cruelty laws. Connecticut prohibits acts like overworking, torturing, starving, or unjustifiably harming animals. Neglecting to provide proper care is also illegal.
• Dangerous dog regulations. While Connecticut law doesn't explicitly define "dangerous dogs," owners are liable for damages caused by their dogs unless the injured party was trespassing, causing harm, or provoking the dog.
• Protection for service animals. Dog owners must control their dogs near service animals accompanying individuals with disabilities. Negligence resulting in injury to a service animal makes the owner liable for damages, including veterinary care and attorney fees.

Bridgeport Pet Laws

Home to the historic Beardsley Zoo and scenic Seaside Park, Bridgeport has pet laws in place to promote a safe and welcoming community. Here’s an overview of key regulations for pet owners:

• Dog licensing. All dogs six months or older must be licensed annually by June 30 or when the dog reaches six months of age.
• Vaccination requirements. Proof of a current rabies vaccination is required to obtain a license. Licensed dogs must wear a collar and tag at all times. The city doesn't enforce licensing or vaccination rules for cats.
• Leash laws. Dogs must be on a leash in public areas or off the owner’s property. A dog is considered "at large" if it's in a public area or on private property without being properly restrained by a leash, fence, or dog run. Violations carry a $150 fine per offense.
• Pet waste. Pet owners must clean up after their pets on public property. Failure to dispose of pet waste properly can result in a $150 fine.

Stamford City Pet Laws

Stamford, with its stunning waterfront views and lively downtown scene, has animal laws in place to support responsible pet ownership and animal welfare. Here’s what pet owners need to know:

• Licensing requirements. Dog owners must obtain a license through the Office of the Town and City Clerk, providing ID, proof of rabies vaccination, and paying the required fee.
• Leash laws. Dogs must be on a leash when on public property, including streets, parks, school grounds, or other publicly owned spaces. Dogs may only be off leash in designated fenced areas like Stamford Dog Park.
• Tethering restrictions. Dogs cannot be tethered for more than 15 minutes during extreme weather advisories or for more than 30 minutes unless the owner is present and monitoring them.
• Stray and feral cats. It’s unlawful to feed or keep a stray cat without notifying Stamford Animal Control and Care Center (SACCC) within 24 hours. Those caring for feral cats must maintain clean feeding areas, avoid leaving food out overnight, and ensure their actions don't cause nuisances or health risks to neighbors.

New Haven Pet Laws

Home to Yale University and the scenic Long Wharf, New Haven, Connecticut, enforces pet laws to ensure animal welfare and public safety. Here’s what pet owners should know:

• Licensing requirements. All dogs over six months old must be licensed annually by June 30. A $1.00 late fee applies for each month a license is overdue.
• Vaccination requirements. Proof of current rabies vaccination is required to license a dog in New Haven.
• Fees. Licensing costs $8.00 for spayed or neutered dogs and $19.00 for those that are not.
• Where to obtain a license. Licenses can be acquired online via the City of New Haven Dog License Application or in person at the City Town Clerk’s Office.

Common Pet Risks in Connecticut

Connecticut's mix of forests, coastlines, and suburban spaces creates a variety of challenges for pet parents. Here are some common risks to keep in mind:

• Tick-borne diseases. Connecticut is a hotspot for Lyme disease and anaplasmosis, both transmitted by ticks in wooded and grassy areas. Pets that spend time outdoors are at higher risk of tick-borne diseases. Regular tick prevention and checks after outdoor activities are essential to keep your pet safe.
• Rabies. Wildlife such as raccoons, skunks, and bats are common carriers of rabies in Connecticut. While rabies cases in pets are rare due to vaccination requirements, unvaccinated animals remain vulnerable. Keeping vaccinations up to date is essential.
• Leptospirosis. This bacterial disease, spread through contaminated water or soil, is a concern in areas with standing water, particularly after heavy rains. Symptoms in pets can range from mild to severe, including fever, vomiting, and kidney issues. Vaccination is a key preventive measure.
• Cold weather risks. Connecticut’s cold winters can expose pets to frostbite and hypothermia, especially short-haired breeds or older pets. Limiting outdoor time during extreme cold and providing proper shelter can help prevent cold-related health issues.
• Heat-related illnesses. While summers in Connecticut are mild compared to some states, pets are still at risk of heatstroke and dehydration during hot, humid days. Ensure your pets have access to water, shade, and avoid outdoor activities during peak heat.
• Harmful algal blooms. Connecticut’s lakes and ponds occasionally experience harmful algal blooms (HABs) that can release toxins harmful to pets if ingested. Avoid letting your pets swim in or drink from water with visible algae.
• Wildlife encounters. The state’s forests and suburban areas are home to wildlife like coyotes, bobcats, and even black bears. Encounters can lead to injuries or disease transmission, but supervision and secure fencing can help reduce these risks.

Veterinary Costs in Connecticut

According to Banfield Pet Hospital's Price Estimator, the average cost for a vet visit in Connecticut is $82. However, costs will be higher for emergency care or specialized treatments. Here's an overview of vet visit costs in five cities across the state:

Best Pet Insurance by City in Connecticut

As mentioned earlier, where you live can affect the cost of pet insurance. Here's an overview of the most affordable pet insurance providers in three major cities in Connecticut:

Methodology

The PetPlace team compiled this guide through research and analysis of publicly available data. Some of the factors we considered include policy rates, waiting periods, the availability of a 24/7 vet helpline, and wellness routine care coverage. Our goal is to provide helpful information for pet owners in Connecticut. However, we recommend conducting your own research, speaking to your vet, and considering your budget and your pet's specific needs before deciding on a pet insurance provider.

Best Pet Insurance in Connecticut FAQs

Recommended Resources

• 7 Essential Tips for Choosing a Pet Insurance Policy That’s Right for You
• Compare and Contrast Pet Insurance Providers
• How Are Pet Wellness Plans Different from Pet Insurance?
• Is Pet Insurance Worth It for an Indoor Cat?
• Pet Insurance: What It Covers
• Pet Insurance for Kittens