Compare the Best Pet Insurance Companies in Connecticut
The Best Pet Insurance Companies in Connecticut
How Much Does Pet Insurance Cost in Connecticut?
Pet insurance in Connecticut costs an average of $60 a month for a dog and $29 a month for a cat, according to our analysis of pet insurance costs. That’s for a policy with $5,000 of annual coverage, a $250 deductible and 80% reimbursement level. A policy with unlimited annual coverage, a $250 deductible and 80% reimbursement level costs an average of $82 per month for a dog and $39 per month for a cat in Connecticut.
Cost of Pet Insurance for Dogs in Connecticut
Cost of Pet Insurance for Cats in Connecticut
How To Find the Best Pet Insurance in Connecticut
When you’re examining your choices for the best pet insurance, you may be searching for the cheapest pet insurance policy. Although price is an important factor you should also make sure the policy has these features.
Veterinary Costs in Connecticut
Although the average vet visit cost in Connecticut is $60 for dogs, costs will be higher if your pet has additional healthcare needs, like blood tests and surgery. Here’s a look at vet visit costs in selected cities in Connecticut.
| City | Average Cost For A Veterinary Visit For One Dog | Average Cost For A Veterinary Visit With Additional Dog | Total Cost For A Veterinary Visit With Two Dogs |
|---|---|---|---|
| Bridgeport | $79 | $61 | $140 |
| New Haven | $74 | $58 | $132 |
| Greenwich | $79 | $61 | $140 |
| Hartford | $77 | $60 | $137 |
| Waterbury | $77 | $60 | $137 |
Methodology
To find the best Connecticut pet insurance, we scored each company based on the following:
- Pet insurance rates for mixed breed dogs (20% of score): We calculated average rates for medium-sized mixed breed dogs ages 3 months, 2 years, 5 years and 7 years for plans with unlimited coverage, a $250 deductible and 80% reimbursement level, or the closest options available.
- Pet insurance rates for purebred dogs (20% of score): We calculated average rates for French bulldogs, German shepherds, golden retrievers, labrador retrievers and poodles ages 3 months and 3 years for plans with unlimited coverage, a $250 deductible and 80% reimbursement level, or the closest options available.
- Direct payment to vet (10% of score): Pet insurance companies that can pay a vet directly earned points. In order to receive points, this feature must be stated on the pet insurer’s website.
- Special waiting period (5% of score): Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that have no special waiting period, a waiting period of fewer than six months or the ability to have the waiting period waived scored higher. In certain states, waiting periods are dictated by state law and may vary.
- 24/7 vet telehealth line (5% of score): Insurers that provide access to a 24/7 vet telehealth line earned points.
- Routine wellness plans (5% of score): Insurers that offer optional wellness plans earned points.
- Multi-pet discount (5% of score): Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multi-pet discount earned points.
- Digital experience (5% of score): We evaluated pet insurers on mobile app ratings for both Android and Apple, if there’s a useful website search function and if there’s a live chat that provides helpful information.
- Behavioral therapy (2% of score): Insurers that cover behavioral therapy in their base policies earned points.
- Alternative therapy (2% of score): Insurers that include alternative therapies such as acupuncture, chiropractic care and hydrotherapy in their base policies earned points.
- Dental illness (2% of score): Insurers that cover dental illnesses, such as gingivitis and periodontal disease, earned points.
- Pays veterinary exam fees (1% of score): Policies that cover the vet exam fee received points. Not all insurers cover exam fees, even if it is for an illness or accident-related visit that’s covered by insurance.
- Stem cell therapy (1% of score): Insurers with coverage for stem cell therapy in their base policies earned points.
- Coverage for prescription food and supplements (1% of score): Insurers that reimburse for food and supplements prescribed by a veterinarian earned points.
- Euthanasia or end-of-life expenses (1% of score): Insurers that cover end-of-life expenses, such as euthanasia, cremation or burial fees, received points.
- Forbes Advisor customer satisfaction survey (15% of score): We conducted two surveys of current pet insurance customers.
- We surveyed 1,300 American pet owners with insurance who purchased a new policy within the last 12 months, 100 per company. This online survey was commissioned by Forbes Advisor and conducted by market research company Talker Research, in accordance with the Market Research Society’s code of conduct. Data was collected from October 11-29, 2024. The margin of error is ± 1.5 points with 95% confidence. This survey was overseen by Talker Research, whose team members are members of the Market Research Society (MRS) and the European Society for Opinion and Marketing Research (ESOMAR).
- We surveyed 1,300 American pet owners who have filed a pet insurance claim within the past 12 months. This online survey was commissioned by Forbes Advisor and conducted by market research company Talker Research, in accordance with the Market Research Society’s code of conduct. Data was collected from October 11 to November 4, 2024. The margin of error is ± 1.9 points with 95% confidence. This survey was overseen by Talker Research, whose team members are members of the Market Research Society (MRS) and the European Society for Opinion and Marketing Research (ESOMAR).
Connecticut Pet Insurance FAQs
Is pet insurance more expensive in Connecticut?
Connecticut has cheaper average pet insurance compared to other states such as Arkansas, Alabama and North Dakota.
What is the cheapest pet insurance in Connecticut?
Nationwide has the lowest average insurance price for dogs in Connecticut, among the companies in our analysis. It costs an average of $15 per month for dogs for unlimited coverage. For cats, Nationwide has the cheapest Connecticut pet insurance, at an average of $4 per month for unlimited coverage.
Is pet insurance worth it in Connecticut?
A good way to determine if pet insurance is worth it is to examine how a large vet bill could be a blow to your budget. For example, if you’ve been paying about $50 per month for pet insurance for three years, you’ve paid $1,800 in pet insurance premiums.
Let’s say your dog breaks a bone and treatment costs $3,500. If you have a $250 deductible and 80% reimbursement level, your out-of-pocket cost for the vet would be $900 ($250 deductible + 20% of $3,250 = $900). Adding up the premium for three years and what you’ve paid toward treatment, you’ve paid $2,700 and avoided paying $800 by having pet insurance.
