7 Best Connecticut (CT) Pet Insurance Plans Compared in 2022

Updated on June 13, 2022 by Matthew H. Nash – Licensed Insurance Agent

It can be intimidating to buy dog or cat insurance in Connecticut. As a lifelong dog and cat owner, I understand the frustration in finding the best care for a furry friend. As a licensed Connecticut insurance agent, I can help you make the best decisions regarding pet insurance plans. Read on for all the information I have collected specifically for pet insurance in the Constitution State. Whether you live in New Haven, Fairfield, Stamford, Bristol, or Bridgeport, we have you covered. Read more about our unbiased ranking methodology and advertiser disclosure.

Top CT Pet Insurance Scored, Ranked & With Cost

Use our table below to quickly compare Connecticut’s best pet insurance providers. The average monthly Connecticut-specific prices shown are based on a healthy 2-year-old Labrador Retriever with a $500 deductible and 90% reimbursement amount who is located in Connecticut with a 06105 zip code. Costs may vary based on age, location, coverage amount, and depending on the breed of your puppy. Prices are accurate as of June 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Connecticut pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CONNECTICUT

$29.30/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Connecticut pet insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CONNECTICUT

$52.27/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • ASPCA is one of the most trusted names in the pet insurance industry. They have paid out almost $350 million dollars in claims since 2006
  • ASPCA is unique in that they offer affordable “accident-only” plans in addition to their preventative care coverage. Also, you can save 10% for multiple eligible pets
  • Founded in 1997 and underwritten by Crum & Forster
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Connecticut pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CONNECTICUT

$44.93/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Connecticut vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Connecticut pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CONNECTICUT

$54.46/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CONNECTICUT

$74.09/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • They have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.3
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Connecticut pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CONNECTICUT

$72.07/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Connecticut pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CONNECTICUT

$72.37/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Connecticut pet parents. Learn more at the end of this page.

STANDARD PLAN
COST IN CONNECTICUT

$29.30/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best all around Connecticut pet insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

How much does dog & cat insurance cost in Connecticut for the 15 most popular breeds?

The price for Connecticut pet insurance varies depending on where you live. To give you an idea we’ve collected prices for three cities shown below. The prices will also vary based on the age, health, and breed of your puppy.

All prices shown below are based on a 90% reimbursement rate with a $500 deductible and a $5,000 annual benefit from Figo pet insurance. Please note: these prices should only be treated as a rough guide as of June 2022 and are subject to change. If you’re looking for the most up-to-date cost of pet insurance in Connecticut we suggest getting a quote directly with Figo or Lemonade.

Dog Insurance Prices in Connecticut:

  1. Mixed Breed
    • Hartford – $33.00/ mo
    • Greenich – $47.11/ mo
    • Stamford – $47.11/ mo
  2. Labrador Retriever
    • Hartford – $44.93/ mo
    • Greenich – $64.16/ mo
    • Stamford – $64.16/ mo
  3. Golden Retriever
    • Hartford – $44.84/ mo
    • Greenich – $64.03/ mo
    • Stamford – $64.03/ mo
  4. German Shepherd
    • Hartford – $48.47/ mo
    • Greenich – $69.21/ mo
    • Stamford – $69.21/ mo
  5. Goldendoodle
    • Hartford – $39.01/ mo
    • Greenich – $55.71/ mo
    • Stamford – $55.71/ mo
  6. Chihuahua
    • Hartford – $20.53/ mo
    • Greenich – $29.31/ mo
    • Stamford – $29.31/ mo
  7. Siberian Husky
    • Hartford – $45.06/ mo
    • Greenich – $64.33/ mo
    • Stamford – $64.33/ mo
  8. Yorkshire Terrier
    • Hartford – $28.32/ mo
    • Greenich – $40.44/ mo
    • Stamford – $40.44/ mo
  9. American Pit Bull Terrier
    • Hartford – $49.89/ mo
    • Greenich – $71.22/ mo
    • Stamford – $71.22/ mo
  10. Australian Shepherd
    • Hartford – $31.02/ mo
    • Greenich – $44.29/ mo
    • Stamford – $44.29/ mo
  11. Dachshund
    • Hartford – $29.27/ mo
    • Greenich – $41.78/ mo
    • Stamford – $41.78/ mo
  12. Shih Tzu
    • Hartford – $26.07/ mo
    • Greenich – $37.22/ mo
    • Stamford – $37.22/ mo
  13. French Bulldog
    • Hartford – $61.70/ mo
    • Greenich – $88.09/ mo
    • Stamford – $88.09/ mo
  14. Boxer
    • Hartford – $61.94/ mo
    • Greenich – $88.45/ mo
    • Stamford – $88.45/ mo
  15. Labradoodle
    • Hartford – $39.01/ mo
    • Greenich – $55.71/ mo
    • Stamford – $55.71/ mo

Cat Insurance Prices in Connecticut:

  1. Mixed Breed
    • Greenich – $27.39/ mo
    • Hartford – $19.19/ mo
    • Stamford – $27.39/ mo
  2. American Shorthair
    • Greenich – $32.37/ mo
    • Hartford – $22.67/ mo
    • Stamford – $32.37/ mo
  3. Bengal
    • Greenich – $32.37/ mo
    • Hartford – $22.67/ mo
    • Stamford – $32.37/ mo
  4. Bombay
    • Greenich – $32.37/ mo
    • Hartford – $22.67/ mo
    • Stamford – $32.37/ mo
  5. British Shorthair
    • Greenich – $32.37/ mo
    • Hartford – $22.67/ mo
    • Stamford – $32.37/ mo
  6. Exotic
    • Greenich – $32.37/ mo
    • Hartford – $22.67/ mo
    • Stamford – $32.37/ mo
  7. Himalayan
    • Greenich – $32.37/ mo
    • Hartford – $22.67/ mo
    • Stamford – $32.37/ mo
  8. Maine Coon
    • Greenich – $34.15/ mo
    • Hartford – $23.91/ mo
    • Stamford – $34.15/ mo
  9. Persian
    • Greenich – $34.15/ mo
    • Hartford – $23.91/ mo
    • Stamford – $34.15/ mo
  10. Ragdoll
    • Greenich – $34.15/ mo
    • Hartford – $23.91/ mo
    • Stamford – $34.15/ mo
  11. Russian Blue
    • Greenich – $32.37/ mo
    • Hartford – $22.67/ mo
    • Stamford – $32.37/ mo
  12. Scottish Fold
    • Greenich – $34.15/ mo
    • Hartford – $23.91/ mo
    • Stamford – $34.15/ mo
  13. Siamese
    • Greenich – $34.15/ mo
    • Hartford – $23.91/ mo
    • Stamford – $34.15/ mo
  14. Sphynx
    • Greenich – $32.59/ mo
    • Hartford – $22.83/ mo
    • Stamford – $32.59/ mo
  15. Abyssinian
    • Greenich – $32.59/ mo
    • Hartford – $22.83/ mo
    • Stamford – $32.59/ mo

Not finding your specific pet breed? Lemonade pet insurance is our #1 recommendation for Connecticut and they’ll be able to give you a quick quote for your exact needs.

Connecticut Pet Insurance FAQs

What is Pet insurance and why is it useful in Connecticut?

Pet insurance consists of health insurance plans for our pets with monthly costs to keep the policy active. If your furry friend falls ill or has an accident, you will most likely have to pay for vet treatment upfront before submitting a claim for reimbursement from your insurer. Many insurance companies refuse to cover or have higher costs for covering pets with pre-existing conditions. For this reason, we recommend getting pet insurance once your dog or cat has reached 8 weeks of age.

Pet insurance can be very useful in Connecticut as the Constitution State has one of the higher average costs of annual vet bills in the United States. Vet visits can cost upward of $1,500 per year in Connecticut, and therapies for certain diagnoses like cancer treatments can cost well over $10,000. Pet insurance exists to help us cover vet bills that may otherwise be too costly and result in having to euthanize our pet.

How old does my pet need to be to get dog or cat insurance?

While most pet insurance providers do not have an age limit for purchasing a policy, coverage is more affordable when your pet is younger with fewer health complications. Many insurers require your puppy or kitten to be at least 8-weeks-old before coverage is available. We recommend getting your pet insurance before their first birthday to lock in coverage at their healthiest.

How worth it is to get pet insurance in CT??

Pet insurance is a wonderful option for those of us unable or unwilling to have emergency funds dedicated solely to our pets. Even if we are able to save money for accidents and treatments for our furry friends, we have no way of knowing how expensive these visits will be and vet bills can quickly pile up. You’ll need to decide if monthly insurance costs are worth the benefit of protection against large out-of-pocket vet costs down the line.

What is covered and what’s excluded in pet insurance plans?

Pet insurance coverage will vary based on the insurance provider and plan you choose. In general, most pet insurance plans cover “sudden and catastrophic” injuries and illnesses. These could include falls, wasp stings, or accidentally swallowed items. This would typically not include treatments for diagnoses that your pet already had when first getting covered, such as cancer or leukemia. Many pet providers offer add-on “wellness” packages covering routine vet check-ups, heartworm prevention, and standard vaccine costs. These wellness packages can offer peace of mind and easier budgeting for our pet’s health.

How does reimbursement for pet insurance work?

Most pet insurance policies will detail your deductible per visit or emergency, reimbursement percentage, and annual max benefit. Let’s say that your policy outlines a $200 deductible with an 80% reimbursement amount and a $15,000 annual max benefit. If something happens to your pet that requires a $10,000 vet surgery, your insurance company would reimburse you $8,000 minus your $200 deductible. You’ll be out of pocket $2,200 instead of $10,000. Note that most pet insurance companies will require you to pay for any vet visits upfront, with reimbursement occurring after claims are filed. Trupanion is an exception to this rule, offering direct vet payments for vets who are in-network.

Is it better to have a high or low monthly deductible? What’s the ideal cost?

In most cases, lower deductibles translate to higher monthly payments. This means that you’d pay more to your pet insurance company each month, but less when an accident occurs and your pet needs medical care. Most pet insurance companies provide easy-to-use calculators on their websites. It’s best to choose a deductible amount that works for your financial situation. We find that the majority of pet owners choose deductibles between $250 and $500.

Are there any restricted dog breeds for homeowners insurance in Connecticut?

While Connecticut law prohibits personal risk insurers from considering dog breeds when quoting policy rates, this is not true for homeowners insurance. Homeowners insurance in most states have restrictions on certain dog breeds and insurance providers. These may include:

  • Akitas
  • Boxers
  • Chow Chows
  • Doberman Pinschers
  • German Shepherds
  • Great Danes
  • Bull Mastiffs
  • Pit Bull Terriers
  • Rottweilers
  • Siberian Huskies
  • Wolf Hybrids

We recommend contacting your home insurance provider for clarifications on your policy regarding dog breeds. If your home insurance provider does have stipulations concerning your dog’s breed, you may need a specific liability rider.

5 Useful Strategies for Keeping Your Pet Safe & Healthy in Connecticut

1. Protecting Your Dog from Lyme Disease in Connecticut

Approximately 30,000 people are diagnosed with Lyme disease in Connecticut each year, and unfortunately, dogs are liable to catching the disease from ticks common in the American northeast. To protect your dog from Lyme disease, it’s important to avoid heavily wooded areas where ticks thrive and to check your dog’s body for the critters after walks. Your vet might also recommend a topical product for your dog that can protect them from fleas and ticks. Finally, your dog might benefit from a Lyme vaccine depending on how at risk your furry friend is for the disease.

2. Connecticut Coyotes & Pet Safety

Unfortunately, coyotes are also prevalent in the Constitution State and present another threat for you and your pet. Coyotes are very territorial and are known to visit or even reside in residential backyards.
Indoor pets can also be frightened easily by local coyote howls. When walking your dog, be sure to keep your furry friend on a leash near coyote areas even if your pet is well-trained. If you and your pet spot a coyote while on a walk, it’s time to calmly leave the area without running or turning away from the coyote. Before disengaging, you want to avoid enticing the coyote into thinking that you and your pets are prey or anything else of interest.

3. Visiting Mystic Seaport With Your Dog

Connecticut has some of the best locations for doggie vacations and getaways. One favorite is Mystic Seaport, a coastal town with outdoor museum grounds, seafood to die for (with outdoor seating), and adorable shops to visit alongside friendly residential areas. Leashed pups are also allowed to ride in rowboats. Adorable!

4. Connecticut Winter and Pet Care

Connecticut weather ranges from 21℉ to 84℉ year-round and is known for piles of snow come wintertime. Many of us love a good cuddle in bed with our furry friend, but if your pet loves to sleep in an outdoor dog house, an insulated dog house is a must. Even if your pet stays inside most of the time, your dog may benefit from a warm winter jacket for chilly walks depending on their fur.

5. Pet Grooming Across Seasons

As much as your pet may need some extra warmth come winter, the Constitution State is also known as one of the ideal states to move to experience all four seasons. Ensuring that your pet is properly groomed for each season can make them happier and healthier. Remember that springtime also brings pollen, and our furry friends are not immune to allergies in pollen or plants. Your vet should be able to assist you in coming up with a seasonal plan for your pup.

5 Unique Pet Rescue Shelters in Connecticut

If you’re looking to welcome a new pet into the family, we recommend these five unique and professional animal shelters in Connecticut. Adopting a dog or cat is one of the best ways to find your new furry friend.

1. Connecticut Humane Society in Newington, CT

In 1881, the Connecticut Humane Society was founded by Hartford High School senior Gertrude O. Lewis. CHS is the oldest welfare organization across the Constitution State, and serves over 10,000 pets each year. The humane society is an independent nonprofit organization relying solely on donors and volunteers.


2. Danbury Animal Welfare Society in Bethel, CT

The origins of the Danbury Animal Welfare Society in Bethel, Connecticut, come from Sherrie Delaney and Anne Tracey in 1974. Their goal was to improve the quality of life of pets in the Danbury pound. DAWS volunteers first placed needy cats in foster homes or with veterinary offices. In 1993, the organization was awarded funds toward purchasing a physical center by a private foundation. In 2008, the organization developed a ten-year plan to open even further facilities to rescue and facilitate more pet adoptions.


3. Our Companions Animal Rescue in Manchester, CT

Our Companions Animal Rescue was founded in 2002 to create the Constitution State’s first animal sanctuary and adoption center. The sanctuary is the only of its kind in the New England area. With a focus on helping older, traumatized, abused, and neglected animals, the organization, typically plans longer-term animal healing stays. It is also an adoption center, and visitors love their care to place each animal in a forever home.


4. Protectors of Animals in East Hartford, CT

The Protectors of Animals organization was formed in 1975 and is a nonprofit 501(c))3 no-kill animal shelter. The organization focuses on providing shelter and adoption services for animals in Connecticut alone. The POA also offers spay and neuter services pending availability.


5. PAWS (Pet Animal Welfare Society, Inc.) in Norwalk, CT

PAWS originated in 1962 by Westport, Connecticut resident Betty Long as a rescue for homeless pets. The rescue expanded to cats in the early 1980s, and currently rescues and rehomes about 200 dogs and 700 cats each year. Initially renting space from other kennels and vet hospitals, PAWS moved into their own shelter space in 2001.


Conclusion

Finding pet insurance in Connecticut that is the right fit for your puppy or kitten can be easy with the proper steps. We recommend purchasing a pet insurance plan once your pet is at least 8 weeks old. You will benefit from a health insurance plan even if they later acquire health conditions that make first-time enrollment difficult. If you’ve adopted an elderly dog or cat, it may be harder to find an appropriate insurance plan, but doing so is worth it to protect against catastrophic event costs. I have found Lemonade to perform consistently well as a pet insurance provider across our extensive research studies.

SwiftScore Ranking Methodology for Connecticut

We ranked the best pet insurance policies in Connecticut based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labrador Retriever with a $500 deductible located in Connecticut with a 06105 zip code
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews