Insuring Your Pet in Connecticut

Pet insurance from Embrace allows you to personalize a plan to fit your budget and avoid unexpected vet bills. There is no network, so your pet can receive care from any neighborhood vet throughout the Constitution State, from Hartford to Bridgeport, New Haven to Danbury and everywhere in between.

Why We Recommend Pet Insurance if You Live in Connecticut

Pet mishaps are bound to happen, and in Connecticut, trouble can come from extreme winter, wild animals, unexpected accidents, and seasonal allergies. We’ve compiled a list of the most common claims from pet parents in Connecticut:

illustration of a snowflake

Extreme Weather

It’s no secret that East Coast winters are harsh, and summers can be hot and humid. The extreme weather puts our dogs and cats at risk for seasonal accidents and illnesses. When it's cold, pets are at risk for frostbite and hypothermia, despite their thick coats. And in the summer, the hot and humid weather puts them at risk for overheating and dehydration. Investing in pet insurance now can have you prepared in the future to protect your pet’s health and safety.

illustration of a coyote

Coyotes

Known to live in both urban and rural areas, coyotes can be predatory and territorial. Dogs and cats throughout Connecticut can be vulnerable to coyote attacks, which can result in serious injury. These attacks tend to happen when a pet is let out early in the morning or late in the evening. With pet insurance, owners can get their pet the care they need when an unfortunate incident happens - without worrying about the cost.

illustration of a plant

Allergies

Did you know the frequent change in Connecticut’s weather can trigger allergies in your pet? Vets may order prescription allergy medication to relieve the symptoms for your pet. Luckily, pet insurance from Embrace covers this treatment so you and your furry friend can continue enjoying the great outdoors together, no matter what the season.

Some Happy Endings from our Connecticut Pets

Jojo- Yorkipoo

Jojo from West Hartford, CT

"Embrace has far exceeded my expectations. The personal concern, care, and timely reimbursement have been extraordinary.

I had only been with Embrace a short time prior to the attack, but I feel taking out coverage with Embrace has been one of the best decisions of my life."

Mary R. | West Hartford, CT

View Jojo's Story

Petunia-Boston-Terrier

Petunia from Canton, CT

This sweet girl developed a rash from head-to-toe. It ended up being allergies that would require monthly prescriptions and ongoing care.

"We are now in the throws of allergy season in New England and she is still maintaining on the prescriptions for her allergies. I am hoping, for both of us, that we no longer need the Atopica."

Corinne F. | Canton, CT

View Petunia's Story

What All is Covered by Pet Insurance in Connecticut?

Embrace’s comprehensive pet insurance covers accidents, injuries, illnesses, and a whole lot of ruff stuff. (We even cover exam fees!) Learn more about the details of our coverage.  

  • Accidents

  • Dental Illnesses

  • Cancer

  • Behavioral Therapy

  • Illness

  • Specialty Care

  • Chronic Conditions

  • Breed-Specific & Genetic Conditions

What’s Not Covered?

While no pet insurance covers pre-existing conditions – Embrace included – we do distinguish between curable and incurable pre-existing conditions and cover curable conditions after your pet is symptom- and treatment-free for 12 months. 

We also do not cover cosmetic procedures (declawing, ear cropping, tail docking, etc.), breeding and whelping, DNA testing, or cloning.   

For routine and preventative care, we offer a flexible Wellness Rewards plan, which is the purrfect complement to your insurance policy. 

How Much Does Pet Insurance Cost in Connecticut?

Personalize a policy for your best bud (and budget) by picking your deductible, your annual maximum, and your reimbursement percentage. The cost of a pet insurance policy varies by breed, Zip Code, and a few additional factors. 

*Below are a few estimates to give you a better idea of what pet insurance might cost in Connecticut. 

Species Breed Age Premium
Dog Mixed Breed 1 $30-$40 per month
Dog Golden Retriever 3 $35-$45 per month
Dog Labrador Retriever 5 $45-$55 per month
Cat Domestic Shorthair 3 $20-$25 per month

How Does Pet Insurance Work in Connecticut?

With Embrace, pet insurance is simple: Visit any vet, submit a claim, and we get to work reimbursing you.  

We make the claims process so easy your pet could practically do it. Get an itemized invoice and the diagnosis from your vet. That's all you need when you submit your claim via your MyEmbrace Customer Account – because who has time to print and fax or snail mail? Voila. You’re done! 

We even offer direct deposit so you can get reimbursed quicker.