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6 Best Connecticut Pet Insurance for Dogs & Cats (2022 Reviews)

Dogs running in field
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Pet parents who want to help their cats and dogs enjoy long and vibrant lives tend to purchase pet insurance. While your best pal may be healthy from day to day, most animals experience accidents or emergencies at some point in their lives. The cost of urgent care far exceeds that of routine care, which is why pet owners seek out the financial cushion pet insurance provides. Below, we explore the best pet insurance companies for Connecticut residents so you can be sure your dog or cat gets the best care well into the future.

Woman walking her dogs
Enjoying an afternoon walk with furry friends :)

5 Top Dog & Cat Insurance Companies Compared for Connecticut

  • 1.

    (Best overall)

    Why it’s great: Between affordable premiums, several routine care add-ons and comprehensive accident and illness coverage, it’s no wonder Lemonade ranks best overall. What’s more, the industry-standard waiting
    period for accidents is typically 14 to 30 days, but with Lemonade, it is only 2. Also, claims are easy to submit via their world-class mobile app, and you can bundle your policy with renters or homeowners insurance for an extra iscount.

    Keep in mind: You may need to submit veterinary documentation to verify any pre-existing conditions your pet may have.

    Good for: Almost all cats and dogs, particularly those that are young and healthy. 

    Average price for DOGS in Connecticut: $29.33/month  

    Average price for CATS in Connecticut: $12.67/month 

  • 2.

    (Best for wellness)

    Why it’s great: Wagmo has a diverse range of wellness offerings and provides pet parents with speedy reimbursements via direct deposit and Venmo or PayPal. Connecticut pet owners will also appreciate that Wagmo reimburses up to 100% of veterinary fees for the year once you’ve met your deductible. They also give discounts to those who have not had claims reimbursed in the previous year, as well as those who have multiple pets. If that weren’t enough, you are free to take your dog or cat to the veterinarian of your choice.

    Keep in mind: Wagmo’s maximum lifetime payout is capped at $100,000. Once your pet’s lifetime care reaches this amount, coverage will end.

    Good for: Pet parents who desire a balanced mix of wellness and emergency care coverage.  

    Average price for DOGS in Connecticut: $54.46/month 

    Average price for CATS in Connecticut: $32.73/month 

  • 3.

    (Best for cats)

    Why it’s great: Connecticut cat parents will be thrilled to know that Figo has the lowest premiums for felines. Figo offers live 24/7 veterinary consultations via their mobile app for cats and dogs alike. Moreover, you can add multiple wellness packages to your policy, including one that pays up to $250 towards a food prescription should your pet need it. Better yet, all of Figo’s plans have unlimited lifetime benefits, which means your best pal will be covered for life.

    Keep in mind: Figo does not cover pre-existing conditions.

    Good for: Pet owners who prefer 24/7 veterinary support.  

    Average price for DOGS in Connecticut: $44.93/month 

    Average price for CATS in Connecticut: $22.67/month 

  • 4.

    (Best for pre-existing conditions)

    Why it’s great: Pawp’s emergency fund will protect up to 6 pets in your household of any age, breed or health condition for a low monthly flat fee. Pet parents will get unlimited, 24/7 telehealth services and pet expert consultations as part of the package. And with Pawp, there are no copays, credit checks or deductibles, and you get to choose your pet’s veterinarian. Connecticut pet parents will appreciate that when emergencies strike, they will be able to leave with the veterinary clinic with their bills paid in full without worrying about submitting a claim.

    Keep in mind: Pawp’s coverage extends only to true emergencies as qualified by their virtual team of veterinarians. Also, the emergency fund covers a single vet bill for one of your pets up to $3,000 each year.

    Good for: Senior cats and dogs or those with pre-existing conditions. This makes an excellent supplement to a conventional pet insurance policy. 

    Price: $24/ month 

  • 5.

    (Best established brand)

    Why it’s great: Embrace provides multiple pet discounts, unlimited lifetime benefits and an optional routine care plan that covers spaying and neutering. They also have “diminishing deductibles,” which means your annual deductible will automatically drop by $50 upon renewal if you have not had a claim reimbursed in the year prior. The most unique feature of Embrace’s coverage is their wellness plan, which gives pet parents the freedom to seek alternative veterinary treatments for their dogs or cats, such as reiki, acupuncture, massage therapy and chiropractic.

    Keep in mind: The maximum combined claims for their wellness plan is $650/year, which equals an estimated $25 in savings. Any unused funds for wellness plans will not be reimbursed at the end of the year.

    Good for: Pet parents interested in new age and alternative veterinary care. 

    Average price for DOGS in Connecticut: $72.07/month 

    Average price for CATS in Connecticut: $42.09/month 

  • 6.

    (Best pet health share community)

    Why it’s great: Eusoh may not be a pet insurance company, but they have community pet health plans that yield over 50% savings for their members compared with conventional pet insurance plans. These community health plans provide reimbursement for accident, illness, wellness or routine care expenses. They also offer televet services through their partner FirstVet and grant pet owners the freedom to choose the veterinarian they would like to have treat their cats and dogs.

    Keep in mind: Eusoh is not a pet insurance company but rather an expense-sharing community. The highest reimbursement rate is 80%, and there is a reimbursement limit of $8,500.

    Good for: Pet parents that prefer healthshare communities. 

    Average price for DOGS in Connecticut: $62.58/month 

    Average price for CATS in Connecticut: $40.94/month 

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider in Connecticut and they also offer the best value.

Average price for DOGS in Connecticut: $29.33/month  

Average price for CATS in Connecticut: $12.67/month 

FAQs About Pet Insurance in Connecticut

  • 1. What does pet insurance typically cover for cats and dogs?

    Coverage differs from company to company. As a general rule, ailments or accidents that are sudden and catastrophic in nature will be covered. Such covered care and procedures usually include tests, other diagnostic procedures, exams, emergency care, surgery and medication.

  • 2. How much does pet insurance cost in Connecticut?

    Pet insurance in Connecticut costs anywhere from $20.53 to $61.94 per month for dogs (based on prices for a healthy 2-year-old located in the 06101 zip code). And anywhere from $19.19 to $23.91 per month for cats (based on prices for a healthy 2-year-old located in the 06101 zip code). Prices can vary greatly depending on your zip code, the breed of your pet, its age, and medical history.

    We recommend getting a quote from Lemonade who we’ve seen consistently offer the lowest prices and best coverage out of any other provider.

  • 3. Can I cancel my dog or cat insurance plan after I make a claim?

    Pet insurance companies typically allow for policy cancellation at any time as long as you notify them in writing. We always recommend verifying the appropriate steps with your provider. Keep in mind that if your pet is diagnosed with a condition before you cancel, it may be listed as a pre-existing condition and excluded from coverage should you wish to apply for insurance again in the future.

  • 4. Do Connecticut pet insurance companies cover spaying and neutering?

    Traditional pet insurance policies in Connecticut do not cover spaying and neutering. However, some providers, such as Embrace , offer wellness package add-ons that will cover the costs of these procedures.

  • 5. Does the cost of insurance increase as my pet ages?

    Your monthly premiums will increase as your pet ages, mainly once they are 4 to 5 years old. Insurance companies raise premiums to offset the elevated risk of your pet becoming sick more frequently or severely as it ages.

  • 6. Which companies cover pre-existing conditions?

    Pawp is the best for covering pre-existing conditions, in particular emergencies, but Embrace has some policy terms that will cover pre-existing conditions that are deemed curable. We suggest asking these companies for further details before you apply for insurance. Remember, most companies do not cover pre-existing conditions. The good news is that if your cat or dog has a pre-existing condition, it will not affect their eligibility for pet insurance.

  • 7. Is pet insurance worth it in Connecticut?

    Pet insurance is worth it for Connecticut residents since most pets will need emergency veterinary care at some point in their lives, and such urgent care is often prohibitively expensive. Treatments for life-threatening conditions such as cancer can exceed $10,000. Pet insurance helps reduce the financial stresses to a minimum so pet parents can focus their attention and energy on helping their dog or cat get well.

Conclusion

We hope this article helps make your pet insurance search more straightforward. We encourage you to take some time to review each companies’ offerings before applying for coverage. Buying the best pet insurance will protect your beloved dog or cat well into the future so they can share a long, fun-filled life with you.

In our experience, after careful review, we’ve consistently seen Lemonade has the best combination of coverage and price.

Note: Our prices listed above are accurate in January 2022 and may change at any time. Please get a quote for your pet on one of the recommended websites for the most accurate monthly costs. These prices are based on a Labrador Retriever dog and American Shorthair cat located in the 06101 zipcode. We chose a $500 deductible and 90% reimbursement amount for each policy we reviewed (except for Pawp). The annual benefit amount we selected for each provider is as follows:

  • Wagmo = $20,000
  • Figo = $5,000
  • Pawp = $3,000
  • Embrace = $5,000
  • Eusoh = $8,500
  • Lemonade = $20,000