Best Pet Insurance Companies in Connecticut
Choosing the right pet insurance can be a critical decision for Connecticut pet owners. Unexpected vet bills can quickly become costly, and a good insurance policy offers valuable financial protection. Forbes Advisor has evaluated leading pet insurance providers to identify the best options for your needs.
Our Expert Picks
After careful analysis, our top picks for pet insurance in Connecticut are:
- Pets Best
- Healthy Paws
- Figo
- ManyPets
Compare the Best Pet Insurance Companies in Connecticut
The table below offers a side-by-side comparison of the leading pet insurance companies in Connecticut:
Rates are based on plans with unlimited annual coverage, a $250 deductible, and 80% reimbursement, or the closest option available. Source: Forbes Advisor research.
The Best Pet Insurance Companies in Connecticut
Here’s a more detailed look at our top choices, considering cost, coverage, and customer satisfaction ratings:
Pets Best
- Maximum annual coverage: $5,000 or Unlimited
- Average monthly cost for Unlimited coverage: $67 for dogs; $37 for cats
- Deductible choices: $50, $100, $200, $250, $500, or $1,000
Expert Take: Pets Best is a strong choice, praised for its comprehensive coverage and competitive pricing in the unlimited annual coverage plans.
- Pros: Can pay the vet directly if the vet agrees, Covers dental illnesses, Includes a free 24/7 pet telehealth line.
- Cons: Acupuncture and chiropractic care coverage requires an upgrade to the Elite plan, and there’s a 6-month waiting period for cruciate ligament issues.
Healthy Paws
- Maximum annual coverage: Unlimited
- Average monthly cost for Unlimited coverage: $48 for dogs; $18 for cats
- Deductible choices: $100, $250, $500, $750, or $1,000
Expert Take: Healthy Paws provides great value with its unlimited annual coverage at a reasonable cost compared to the competition.
- Pros: 24/7 pet telehealth line, and it may pay the vet directly if requested before treatment, along with coverage for end-of-life expenses.
- Cons: Deductibles and reimbursement levels are tied to the pet’s age and other factors, but the exact schedule isn’t disclosed on the site, and there’s no coverage for vet exam fees or a plan for routine care.
Figo
- Maximum annual coverage: $5,000, $10,000 or Unlimited
- Average monthly cost for unlimited coverage: $66 for dogs; $28 for cats
- Deductible choices: $100, $250, $500, $750, $1,000, or $1,500
Expert Take: Figo is known for its flexibility, offering a wide range of deductible and reimbursement options, including a 100% reimbursement choice.
- Pros: Offers an optional wellness plan and a free 24/7 pet telehealth line, and also covers end-of-life expenses.
- Cons: There is a 6-month waiting period for orthopedic problems, though a vet can waive it, and vet exam fees are not covered, unlike many competitors.
ManyPets
- Maximum annual coverage: Unlimited
- Average monthly cost for unlimited coverage: $63 for dogs; $36 for cats
- Deductible choices: $500 or $750
Expert Take: ManyPets stands out as a solid option, with no special waiting periods for orthopedic conditions. This is a significant benefit for dogs who may be prone to cruciate ligament issues or hip dysplasia.
- Pros: Sells an optional wellness plan. Vet exam fees are covered. It offers a good value proposition, and if switching from another insurer waiting periods are reduced.
- Cons: Does not cover alternative therapies, unlike some top competitors. Also, pet behavioral therapy is often not covered, and there is no 24/7 pet telehealth line available.
How Much Does Pet Insurance Cost in Connecticut?
Pet insurance costs in Connecticut are generally affordable compared to some other states. Here’s a look at average costs based on our research:
- Average for a dog (unlimited coverage): $90 per month
- Average for a cat (unlimited coverage): $45 per month
These rates are based on policies with unlimited annual coverage, a $250 deductible, and an 80% reimbursement level.
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 choosing a pet insurance policy here in Connecticut, consider these key features to make sure you’re getting the most from it:
- 24/7 Vet Helplines: Many insurers offer a 24/7 vet helpline for urgent questions.
- Direct Vet Payments: Companies like Pets Best and Trupanion may pay the vet directly, which can minimize your initial out-of-pocket costs.
- Multi-Pet Discounts: If you have more than one pet, look for multi-pet discounts, which usually range from 5% to 10%.
- Wellness or Routine Care Plans: Consider wellness plans, if you want help paying for regular vet visits.
- Waiting Periods: Be aware of waiting periods, especially for specific conditions like hip dysplasia.
- Vet Exam Fees Coverage: Some policies cover vet exam fees related to illnesses or accidents.
Veterinary Costs in Connecticut
While the average vet visit costs roughly $62 for dogs in Connecticut, costs can increase significantly with complications or specialized treatments. Here’s a look at the average cost of veterinary visits across several Connecticut cities:
- Bridgeport: $79
- Greenwich: $79
- Hartford: $77
- New Haven: $74
- Waterbury: $77
Methodology
Our ratings are based on a comprehensive methodology, considering pet insurance rates, special waiting periods, direct payment options, 24/7 vet health lines, routine wellness plans, exam fee coverage, euthanasia/end-of-life expense coverage, and multi-pet discounts.
Connecticut Pet Insurance FAQs
- Is pet insurance more expensive in Connecticut? Connecticut has cheaper average pet insurance compared to some states.
- What is the cheapest pet insurance in Connecticut? Healthy Paws is typically the most affordable for cat owners, while Pets Best offers the lowest for dogs.
- Is pet insurance worth it in Connecticut? Pet insurance can be worth the investment by mitigating significant vet bill expenses.
