Best Pet Insurance Companies in Connecticut (2023)

From coastal towns near New Haven to Hartford, Connecticut, pet owners across the state can benefit from a pet insurance policy that can help keep their pets healthy while saving money on unexpected veterinary expenses. By enrolling in a comprehensive pet insurance plan, pet owners can have peace of mind knowing that their pets will be covered in the event of unexpected illnesses or injuries.

At the Guides Home team, we understand that finding the right pet insurance policy can be overwhelming. That’s why we’ve taken the time to analyze, compare, and review the top pet insurance companies in Connecticut. We evaluated factors such as policy coverage, customer care and affordability to compile a list of the best pet insurance providers in the state. Whether you live in the coastal towns near New Haven or the bustling city of Hartford, we’ve got you covered. Top picks for pet insurance in Connecticut.

Here are the top pet insurance providers in CT:

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Whether you’ve welcomed a new puppy into your home or have lived with your furry friend for several years, pet insurance can be a smart purchase. This is especially true if you want peace of mind that you can rush your pet to the vet immediately after an emergency without worrying about the cost.

We recommend getting quotes from a few suppliers as offers and prices vary greatly depending on the specifics of your animal.

Lemon It’s our top choice in Connecticut for its affordable policies and fast claims processing. However, other options may be better for you, eg ASPCA Budget-friendly accident-only coverage Or Healthy paws For cheap unlimited coverage.

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Based on the dozens of sample quotes we received during our research, we found that Connecticut rates are generally lower than some states. You can expect to pay around $20-$110 per month Dog insurancewhile Pet insurance for cats It can be around $10-$50 per month. However, you should compare prices based on your pet’s exact specifications before purchasing a policy, as premiums vary.

We secretly shop for pet insurance prices so you can find out what each provider charges each month. The chart below shows the costs for a two year old medium mixed breed male dog in Hartford, CT.

The chart below shows the cost of a two-year-old mixed-breed male cat in Hartford, CT.

In addition to choosing the amount the provider agrees to pay for annual coverage, there is an annual deductible you pay before coverage begins and a rebate amount, which is a percentage of your pet bill that the provider will cover when you pay off the balance. You can typically choose from the following plan types:

• Accident-only plan; As the name suggests, this plan only covers accidents and injuries like broken bones, strangulation, poisonous ingestion and accidental foreign objects hitting your pet. Usually they are. Cheapest pet insurance plansBecause they do not cover illness.
• accident and illness planning; All pet insurance providers offer this comprehensive plan option to cover accidents, general illnesses, hereditary conditions, congenital conditions, chronic conditions and sometimes behavioral issues such as excessive licking and tail chasing.
• Preventive care supplements; You can usually purchase optional coverage to help pay for your pet’s regular treatments, procedures and vet visits, such as annual checkups, dental cleanings, grooming, microchips, vaccinations and more.

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Consider the following factors to find the right pet insurance company for you and your pet:

• Plan Type: Not all providers offer risk-only plans, despite their popularity. If it’s the type of plan you’re looking for, you can narrow down your choices from this review. ASPCA, An intelligent pet And Spot.
• Coverage Limits: Most companies offer different coverage limits, so you only pay for what you need. For example, if you are looking for a higher annual cover limit but don’t want to pay for an expensive unlimited cap, you can opt for it. Lemon$100,000 limit
• health coverage; If you’re looking for a wellness plan, some options may not be right for you. Healthy Paws and Fetch do not offer preventive care options.
• Policy customization: You may be limited to a handful of options. If you want to customize your pet insurance plan. For example, if you want to choose from several deductibles to lower your premium, you can lean toward Embrace And SpotOffering options between $100 and $1,000. You can also choose between 70%, 80% and 90% return rates from most companies.

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Method: Our system for ranking the best pet insurance in Connecticut

Our review of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, shopping quotes and the mystery shopping process, talking to representatives over the phone to evaluate customer service experiences, and examining 1,000 dogs and cats. Pet insurance coverage for owners nationwide to determine the most important factors.

Based on those elements, we scored each provider on a 100-point scale. We divided this final score by 20 to calculate the overall star rating out of 5.0 stars.

Here are more details about each condition and how it is measured:

• Monthly cost (25 points) The best pet insurance companies combine comprehensive coverage and plan options at affordable prices.
• Plans (15 points) The major pet insurance companies offer accident-and-sickness plans, accident-only plans, and wellness or preventive care add-ons, giving customers the option to choose the plan that’s best for their pets.
• Covered Treatments (15 points) Based on the treatments and procedures we cover companies. Companies with a wide range of covered treatments and specialty coverage earned more points than providers with more standard or comprehensive policies.
• Customization options (10 points) Providers with more annual-limit, deductible, and payment-rate options received the highest scores.
• Customer Care (10 points) We score companies on the accessibility and overall usability of their websites, customer service offerings, mobile applications (if available), money-back guarantees and veterinary options, providing insurers with additional customer experience offerings.
• Industry reputation (10 points) We reviewed current ratings and certification information from the Better Business Bureau (BBB) ​​and ranked companies based on years of experience in the industry and state presence.
• Waiting time (10 points) Companies with shorter accident, pain, and bone waiting times between enrollment and coverage start date scored higher than companies with longer waiting times.
• Acceptable age (5 points) Some companies do not offer policies for pets over a certain age. We have deducted points from providers with age restrictions for covered pets.

To help us determine the best pet insurance companies in the industry, we use our ranking system to compare and contrast each company against major factors. Read our to learn more Complete pet insurance policy To evaluate and score suppliers.

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Dana Gates He is an experienced editor with nearly a decade of experience writing and editing content. She has a background in journalism and has worked as a fact checker for popular magazines. new york And Chicago. She holds degrees in journalism and marketing from Northwestern University and has worked in various categories in the home service space.