For many, the family pet is an integral part of the family. As pet parents, you want the best vet care for your furry family members, and with rising health care costs, it can get expensive–especially if your pet has a chronic condition or needs access to quality veterinary care in the event of an emergency.

Because the cost of veterinary care is often expensive, the high expense of emergency care or accident or illness occurs is impossible to cover. Cancer treatments and even routine care costs like spay/neuter procedures can cost hundreds if not thousands of dollars.

That’s where pet health insurance in Connecticut comes in. You may ask, “Is pet insurance worth it?

With a good pet insurance policy, pet owners can access medical care for their pet without breaking the bank. Luckily, the state has plenty of great pet insurance options, and in the article that follows, we’ve listed the five providers that offer the best pet insurance in Connecticut.

We can help you narrow down companies and find the best pet insurance quote for your family. This article scrutinizes the pet insurance coverage, cost, and insurance agency customer service provided by more than 30 pet insurance companies, ending on the five top companies we feel offer the best pet insurance in Connecticut.

Pet Insurance In Connecticut

Here are the 5 best providers of pet insurance in CT:

  1. Petplan
  2. PetFirst
  3. ASPCA Pet Insurance
  4. Banfield
  5. Healthy Paws


Petplan Pet Insurance

petplan pet insurance logo

Petplan’s customer service is exemplary, which is proven by its large number of positive reviews, as well as its A+ rating from the BBB.

It offers policies for cats and dogs aged six weeks and older and covers an extensive list of conditions and treatments.

Starting rates from Petplan are below the national average monthly premiums, and claims are generally paid out within ten business days.

Monthly Costs Starts at $29.16 for dogs and $18.19 for cats
Coverage 70 percent to 90 percent reimbursement after deductible
Payout Limits $2,500 to unlimited depending on the plan
Deductible Ranges from $250 to $1,000 annually

Fetch Rates with Petplan


PetFirst Pet Insurance

petfirst pet insurance

PetFirst is one of the only pet insurance providers to offer plans that specifically provide care tailored to the needs of senior dogs.

The company has plans for dogs and cats of all ages, however, beginning at eight weeks with no upper age limitations. PetFirst’s starting rate for minimum coverage is less than half of the national average for monthly premiums. Petfirst works just like human health insurance, it has an annual benefit, which is the maximum amount the company will pay in a year and an annual deductible.

Claims can be submitted in several ways, including PetFirst’s secure online portal, which is also useful for managing account specifics. Reimbursements are typically issued within ten days of claims processing. PetFirst’s A+ rating from the BBB takes into account the low amount of complaints logged within 12 months.

Monthly Costs Starts at $16.95 for dogs and $8.95 for cats
Coverage Ranges from 70 percent to 90 percent depending on the plan
Payout Limits $5,000, $10,000, or $20,000 annually depending on the plan
Deductible Ranges from $50 to $500 per incident

Fetch Rates with PetFirst


ASPCA Pet Insurance

aspca pet insurance logo

ASPCA pet insurance is available for cats and dogs as young as eight weeks with no upper age restrictions.

The company’s plans are comprehensive, with coverage for a wide array of treatments and conditions. Claims are simple to submit and can be sent in through several channels, including the ASPCA mobile app.

There’s an online pet insurance quote calculator that can provide specific costs, with starting rates for ASPCA pet insurance well below national average monthly premiums.

The company’s policies are administered by Crum + Forster, which has an A+ rating from the BBB and only four complaints on record for the previous 12 months.

Monthly Costs Pricing is competitive and depends upon the plan chosen with coverage for a mixed breed dog showing $23.39 per month
Coverage 70 percent, 80 percent or 90 percent
Payout Limits Ranges from $5,000 to unlimited
Deductible $100, $250 or $500

Fetch Rates with ASPCA


Banfield Pet Hospital

Banfield Pet Hospital Logo

Plans are available for cats and dogs aged six weeks and older (rather than the more usual eight weeks). For the costs to be covered, customers must take their pet to one of the company’s pet hospitals.

Since all costs are included in the plan’s monthly rate, which is below national average premiums, there is no need to submit claims.

While Banfield Pet Hospital doesn’t offer insurance in the traditional sense, its wellness plans provide pet owners with an all-inclusive preventative care plan that includes routine check-ups, vaccinations, and other preventative measures to keep pets in good health and to catch an unexpected illness before it’s too late.

Banfield has an A+ rating from the Better Business Bureau, despite a high proportion of complaints, possibly since the company has responded to all in a timely fashion.

Monthly Costs Starts at $33.95 for dogs and $23.95 for cats
Coverage 100 percent coverage
Payout Limits Unlimited
Deductible No deductible

Healthy Paws Pet Insurance

Healthy Paws Insurance Logo

Healthy Paws is an industry leader, offering some of the broadest coverage options available.

Policies are available for cats and dogs aged eight weeks to 14 years. Their pet insurance plans accept claims in several ways, including a secure online portal or the company’s mobile app. They do have the standard 15 day waiting period and a 12 month waiting period on hereditary conditions and congenital conditions like hip dysplasia.

They offer lifetime payouts and no caps per incident, up to 90% reimbursement of veterinary bills, and a $100 annual deductible. Vet bill reimbursements are typically processed and paid out within ten days of submission. Healthy Paws has an A+ rating from the BBB and over the past three years has responded to all of its 48 complaints.

With the details listed above, you should have a good understanding of where to find the best pet insurance in Connecticut and feel confident when negotiating a policy that works best for you and your pet needs.

Monthly Costs Starts at $32.83 for dogs and $17.19 for cats
Coverage 70 percent to 90 percent reimbursement after deductible depending on the plan
Payout Limits Unlimited
Deductible Ranges from $100 to $500 annually depending on the plan


What Pet Insurance In CT Covers

Here is a list of typical items covered in most but not all pet insurance plans:

  • Ultrasounds
  • Blood Tests
  • X-rays
  • Illnesses
  • Accidents
  • Emergency Care
  • Hospitalization
  • Prescriptions
  • Ultrasounds
  • Diagnostic and Exam Fees
  • Cancer Treatments
  • Chronic Conditions
  • Congenital Conditions
  • Hereditary Conditions
  • Surgery

What Pet Insurance In CT Does NOT Cover

Typical things not covered in pet insurance plans:

  • Dental Care
  • Elective procedures
  • Spay/neuter
  • Routine Care and Wellness Vet Visits
  • Pre-existing conditions
  • Preventative Care
  • Behavioral Treatments
  • Specialized diet
  • Grooming and Boarding

Shopping For Pet Insurance in CT

When you’re shopping for pet insurance or any other insurance in Connecticut, it’s absolutely vital that you do your research. There are many pet insurance providers in the state with different plan options and rates.

Many different elements go into determining insurance rates, which is important to keep in mind when obtaining quotes.

Some of these factors include the age and breed of your animal, as well as the average cost of care in your state.

Find the Best Pet Insurance In YOUR State