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Published: Jan 04, 2024 10 min read
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  • Get up to 90% back at any vet
  • 5% military discount available
  • Comprehensive illness & accident coverage – no levels
  • Optional wellness plan covers routine vet, grooming, & training costs
  • Customizable annual deductible, annual limit, & reimbursement percentage
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  • 30-Day Money-Back Guarantee*
  • Up to 90% reimbursement on eligible vet bills, including accident and illness
  • Multi-pet discount & access to 24/7 vet helpline
  • Visit any U.S. licensed veterinarian or specialist
  • *Subject to terms and conditions
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  • No breed or upper age restrictions
  • 90% reimbursement rate, even for older pets
  • Dental illness and hereditary conditions covered at no extra cost
  • 10% discount for each additional pet you enroll
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  • Save up to 90% off eligible vet bills
  • Accidents, illness & routine care
  • Easy online claims submissions
  • Wide range of plans & coverage options for your furry friend
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  • 2023 Pet Insurance of the Year Award Winner
  • No Lifetime or Per Incident Limits
  • Most Claims Processed in 5 Days or Less
  • One of the Shortest Waiting Periods for Accident & Illness Coverage

Connecticut's leading pet insurance companies bear resemblances in various aspects. They offer diverse plan choices, extensive coverage, swift claim handling, and minimal waiting periods. Following thorough research from trusted sources like Pawlicy and Care Credit, we've pinpointed the top five insurers in the region. Read on to see our top picks for the best pet insurance companies in Connecticut.

Our Top Picks For Best Pet Insurance In Connecticut

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Best Pet Insurance in Connecticut Reviews


  • Unlimited annual coverage for pets of any age
  • Accessible 24/7 telehealth helpline
  • Higher premiums for younger pets
  • Transaction fees for monthly, quarterly, and semi-annual payments

Spot stands out as the go-to option for pet owners looking to surpass conventional insurance limits. Although its pricing may lean towards the higher end — a crucial factor in states with already escalated pet insurance costs — the appeal of unrestricted annual coverage for pets of any age could make a strong choice for pet parents of older animals. Notably, the company's reputation for exceptionally responsive customer service, especially during emergencies, solidifies its position as a reliable choice for immediate and steadfast support.

Spot's commitment to comprehensive coverage extends beyond age limitations, offering tailored packages that address specific health concerns and unique needs of pets. Their proactive approach to ensuring pets receive the best care possible resonates with discerning pet owners seeking thorough and personalized insurance solutions.

Healthy Paws

  • No per-incident, annual, or lifetime caps
  • Expedited claim processing
  • Potential for direct payments under specific conditions
  • Limited coverage for senior pets
  • Restrictions on hip dysplasia coverage

Healthy Paws offers coverage of diverse alternative therapies at no extra cost, encompassing hydrotherapy, acupuncture, chiropractic therapy, physical therapy, and massage therapy. Its commitment to providing holistic care stands out, complemented by a seamlessly designed mobile app that simplifies the claims process.

The company’s policies have no incident or lifetime caps, ensuring comprehensive support for pets throughout their lives. However, as pets age, Healthy Paws imposes certain coverage restrictions, making these policies particularly advantageous for younger animals.


  • Access to 24/7 telemed pet health experts
  • High upper age limit for enrollment
  • Higher annual reimbursement limit compared to competitors with annual caps
  • Limited wellness benefits
  • Caps dental illness coverage at $1,000 annually

Embrace stands out with its invaluable 24/7 access to pet health experts, providing reassurance and guidance to pet parents seeking a second opinion before making crucial decisions and potentially averting unnecessary emergency room visits.

The company's commitment to transparency shines through its practice of breaking down policy intricacies, empowering customers with the knowledge needed for informed and confident choices. Yet, in contrast to its strengths, Embrace's wellness benefits are relatively constrained, and its dental illness coverage is capped at an annual limit of $1,000.

Embrace actively collaborates with veterinary professionals and organizations to continually enhance its policy offerings, striving to expand coverage options and improve benefits for pet owners.


  • Covers emergency exam fees
  • Includes veterinary-prescribed holistic and alternative therapies
  • Up to $1,000 covered in virtual visits
  • No routine care or wellness plans
  • Mandatory medical exams

Fetch stands out by extending coverage to cover expenses indirectly linked to pet health, such as boarding fees during pet hospitalization, providing valuable financial support to insured pet owners during challenging times. It offers coverage for exam fees without additional charges and welcomes pets as young as six weeks old into its insurance plans.

The absence of routine care or wellness plans positions Fetch as a provider emphasizing emergency care and specialized holistic therapies. Fetch prioritizes customer education by curating informative blogs and resourceful articles, serving as a valuable knowledge base for pet owners to comprehend their pets' health requirements and navigate the intricacies of insurance coverage.


  • Swift claims processing
  • Multiple available discounts
  • Contributes to charities through payments
  • Available in only 38 states
  • Policy adjustments restricted to renewal periods
  • Potential ineligibility for older pets

Lemonade stands out as a leading choice due to its fast claims processing and adaptable coverage options, catering to diverse pet owner needs. The company's dedication to transparency is palpable through its user-friendly website, offering prospective customers thorough insights into coverage details and processes.

Nevertheless, Lemonade's stance on allowing policy adjustments only during renewal periods, plus its coverage restrictions for older pets based on breed eligibility, might pose considerations for pet owners seeking flexibility in their insurance plans.

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Guide to Buying Pet Insurance in Connecticut

Navigating pet insurance coverage in Connecticut requires a comprehensive approach, demanding meticulous research and strategic planning to secure optimal protection for your beloved pet.

Start your journey by delving deep into the myriad pet insurance providers available statewide. Assess their standing in the industry, the breadth of coverage they offer and any specialized policies tailored to Connecticut's unique landscape. Engage with online resources, pore over customer reviews and tap into the experiences of fellow pet owners to glean invaluable insights into the leading insurance companies in the region.

When crafting your pet's insurance plan, it's imperative to take into account their specific needs and medical history. Consider your pet's breed, age, any pre-existing conditions and the local risks in Connecticut, such as prevalent diseases or specific environmental factors. This understanding will be pivotal in tailoring an insurance coverage that perfectly suits your pet's requirements.

Once you've narrowed down potential insurers, it's time to request quotes and meticulously compare policies. Scrutinize the intricacies of coverage limits, deductibles, co-payment structures, and exclusions outlined in each policy. It's crucial to look beyond the surface and evaluate the comprehensive value of the coverage offered. Some insurers might even provide custom-tailored plans to suit your financial constraints.

Before making a final decision on buying pet insurance, meticulously review the policy documents and seek clarification on any ambiguous clauses or terms. Familiarize yourself with Connecticut's pet insurance consumer protection laws and avenues available for filing complaints if needed. Explore potential discounts, particularly those tailored for multiple pets or specific breeds and age groups eligible for reduced rates.

Once you've identified a suitable plan, proceed with the enrollment process diligently. Compile your pet's medical history and all necessary documents, ensuring you keep the policy details securely filed. Understand the claims process thoroughly, including the required documentation. It's crucial to regularly review your policy to ensure it aligns with your pet's evolving needs and any changes in Connecticut's regulations or the insurance landscape.

Cost of pet insurance in Connecticut

Pet owners in Connecticut can expect to pay anything between $30.51 and $368.88 in monthly premiums. This range of prices varies widely across providers, and these are estimates gathered from quotes from our list of vetted companies.

Costs of pet care in Connecticut

The average cost of pet care in Connecticut is $93.44 per vet visit, according to Care Credit. This average includes all pets and is not divided into cats and dogs.

Factors that can affect pet care cost include the type of procedure required, regular vaccinations, preventive treatments for fleas, ticks, and heartworms as well as routine check-ups.

Larger breeds often require more food, larger doses of medications and sometimes specialized care due to breed-specific health concerns, which can also increase overall expenses. Urban areas might have higher veterinary costs compared to rural areas due to differences in overhead expenses, rent, and demand for services.

Older pets may require more frequent check-ups and specialized care for age-related issues, contributing to increased costs. Pets with chronic conditions also need ongoing management, adding to the overall expenses.

Pet Laws in Connecticut

In Connecticut, laws governing the ownership and care of dogs and cats are established to ensure the well-being of these beloved pets. Licensing requirements are in place for both dogs and cats, mandating that owners register their pets with the local government. Additionally, dogs are required to be vaccinated against rabies by a certain age, and proof of vaccination is necessary for licensing. This measure helps safeguard not only the animals but also the community from the spread of diseases.

Regulations concerning the confinement of dogs and cats are outlined to ensure public safety. Leash laws are in effect, requiring dogs to be on a leash when off their owner's property, except in designated off-leash areas. Additionally, ordinances regarding the control of excessive barking or noise disturbances caused by pets aim to maintain harmony within communities and respect the peace and quiet of residents.

In Connecticut, these laws are designed not only to protect pets but also to promote responsible pet ownership. They encourage proper care, respect for the well-being of animals, and harmonious living among pets, their owners, and the community at large. Understanding and complying with these laws contribute to fostering a safe and nurturing environment for both pets and humans in the state.

Consumer protection for pet insurance in Connecticut

Although Connecticut does not have specific legislation regulating pet insurance, insurance claims and consumer protection falls under the Connecticut Insurance Department. You can file a complaint with your pet insurance company through its online portal.

How We Found the Best Pet Insurance in Connecticut

As part of our methodology, we gathered Connecticut-based sample quotes and reviewed pet insurance plans based on the following factors:

  • Plan and coverage options
  • Cost and available discounts
  • Policy benefits, exclusions and restrictions
  • Waiting periods
  • Customer service options and claims processes

For the average cost of each plan, we used pet profiles with a Connecticut zip code, including the most popular breeds of both dog and cat nationwide with an age that would garner the lowest insurance premiums during the pet’s lifetime. We used Pawlicy and Pet Insurer to gather quotes and compare plan options.

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Embrace offers reliable coverage for your pet’s needs
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Summary of Money’s Best Pet Insurance in Connecticut