Connecticut is a state of many New Englander’s dream: small-town charm, picture-perfect fall foliage, and a stunning coastline. From the city life in Bridgeport to the slow seaport life of Mystic, there’s something for everyone in The Constitution State. The state is also home to many furry family members. The cost of living continues to rise nationwide, and Connecticut is no exception. With that comes the concern of affording quality pet care in the event of an emergency. MetLife Pet Insurance can offer assistance with affordable, award-winning1 pet insurance.
Protect your Pets
Why Pet Insurance May Be a Good Idea If You Live in Connecticut
We know your dog deserves only the best life, whether that means running along the beaches of Milford or napping in the windowsill of a cozy Hartford apartment. We also know that veterinary care can be expensive, especially if your pet falls ill unexpectedly or suffers an accident.
Connecticut’s wilderness is home to black bears, bobcats, and a variety of poisonous snakes. This can pose serious risks to your pets, especially if they spend any amount of time in the great outdoors. Aside from this, there are countless injuries and illnesses that our pets can suffer from due to things in our everyday lives.
Pet insurance can help. You pay a small monthly premium, and you get reimbursed for covered expenses at the veterinarian’s office. If you’ve ever owned a pet, you know how easy it is for vet bills to climb into thousands of dollars, so pet insurance could be a worthwhile investment.
Why Choose a MetLife Pet Insurance Policy?
There are many options for pet parents to choose from when it comes to insurance for their fur babies, but we know your pets deserve only the best pet insurance. Connecticut pet owners can potentially save thousands a year in covered expenses with MetLife Pet Insurance.2
Here’s why pet parents nationwide might choose us:
- Three cats or dogs can share a deductible on the same policy.3
- We process and reimburse most claims in 10 days or less.4
- We accept pre-existing conditions when you transfer from a different insurance plan.5
- We accept any licensed veterinarian in the U.S.
- We have among the shortest waiting periods for coverage.6,7
- We have no age or breed restrictions for cats and dogs.
How MetLife Pet Insurance Works in Connecticut
Take your pet to the vet
You can take your pet to any licensed veterinarian
in Connecticut or anywhere else in the U.S. No need to worry about in-network or out-of-network providers!
Pay the bill and send us your claim
Pay the vet upfront, then send us a claim with an itemized invoice from your vet’s office and any other information we may need.
Get reimbursed quickly
We’ll process your claim for reimbursement in about 10 days.2,4
MetLife Pet Insurance Is Available in Connecticut. See What’s Covered
At MetLife Pet Insurance, our plans are flexible to fit your lifestyle. Whether you’re interested in getting cat insurance or dog insurance, we offer customizable plans that are tailored to you and your furry friend. Our plans allow up to three cats and dogs onto the same policy. We also have adjustable reimbursement rates and deductibles, and add-on coverage options for more comprehensive care.8,9 This includes a Wellness Plan and a Preventive Care Plan that can help save you money for necessary vet visits.10
While coverage depends on your pet’s individual policy, here’s a list of things we can typically cover:
- Emergency care and hospital stays
- X-rays, ultrasounds, and other diagnostic tests
- Other accidents and illnesses
- Alternative therapies
How Much Is Pet Insurance in Connecticut?
The cost of pet insurance varies based on a few factors, but our policies can start at $9 per month for cats and $15 per month for dogs.11
Costs vary depending on plans you choose to add on to your policy, as well as your pet’s age, breed, and sex.12 It’s also important to keep in mind where you live if you’re a Connecticut resident. Living in a city like New Haven may have you paying a higher premium for insurance than a smaller town like Weston.
Pet Insurance Claims We Paid in Connecticut
Our customers in Connecticut trust us with their four-legged family members. Take a look at some real claims we’ve processed and how much our customers have gotten paid.13
- Almost $4,000 paid — This helped cover an exam for a 1-year-old mixed breed with gastroenteritis in Darien, CT.
- About $900 paid — This provided coverage to treat a German shepherd puppy’s poisoning accident in Oxford, CT.
- About $400 paid — This provided financial relief for a dental cleaning for a 6-year-old mixed breed with periodontal disease in Middletown, CT.
- About $500 paid — This helped pay for a 1-year-old mixed breed’s routine exam in Darien, CT.
- More than $1,000 paid — An exam for a 2-year-old mixed breed with a heart murmur got coverage in Madison, CT
Notable claim in Connecticut
When Yorkie puppy Buster swallowed an earbud, he was rushed to the vet for care. An exam to identify the foreign body and induce vomiting ran his parents about $2,000. Luckily, they were able to get the cost of the visit reimbursed in full with their dog insurance policy. Today, Buster is healthy and keeping his nose away from the headphones under the watchful eye of his parents.
Pet Injuries and Illnesses Typically Found in Connecticut
The Nutmeg State is home to some of the richest history the U.S. has to offer. It’s also home to some dangerous animals and other circumstances that can impact your pet.
- Black bears: The eastern black bear is found in Connecticut’s wildlife, and can pose a huge risk to any nature-loving animal. Whether you’re enjoying a nature walk with your furry friend or you have a summer home on the coast, black bear attacks can wreak havoc on the lives of pets.
- Bobcats and coyotes: Other mammals that exist out in the wilderness of Connecticut include bobcats and coyotes. While they may look like cute relatives of our cats and dogs, they can be incredibly dangerous when seen up close and personal. Attending training sessions with your dog to react thoughtfully during encounters with wild animals can help you both stay safe.
- Sperm whales: This species of whale is found along the coast of Connecticut. If your pup is a swimmer, it’s essential to stay close to them in the water to keep an eye out for whales. The sperm whale has sharp teeth, and can sometimes mistake other mammals for their typical prey of squid or seals.
Connecticut Plants That Can Be Poisonous to Pets
With the beautiful fall foliage that Connecticut has to offer, it’s no surprise so many pets are outdoor enthusiasts with their parents. Unfortunately, there are many plants pet parents should look out for to protect their furry friends’ health. Here’s a list of some plants you may run into throughout the state that may be toxic to your pet:14
- Deadly Nightshade
- English ivy
Most Popular Dog Breeds in Connecticut
This New England state is home to dogs from all walks of life, whether it’s a puppy surrounded by a white picket fence or an apartment dog in their golden years. Research conducted by Cute Paws determined that the Labrador retriever is the most adopted dog in Connecticut.15 Here are the top five adopted breeds in the state and health problems they may be genetically predisposed to:
- Labrador retriever: The family favorite Lab has genetic predispositions like hip dysplasia, epilepsy, tumors, and heart disease.
- Chihuahua: This pint-sized spunky breed is predisposed to intervertebral disc disease, upper respiratory infections, urinary tract infections, and periodontal disease.
- Mutt: A mutt’s genetic health concerns depends on their individual breed makeup.
- Yorkshire terrier: The charming, yet sassy Yorkie is predisposed to eye conditions, periodontal disease, and Legg-Calve-Perthes disease.
- Pit bull: The lovable pitty is prone to allergies, congenital heart disease, hip dysplasia, and hypothyroidism.
Adoptable Dogs and Cats in Connecticut
Knowing what it takes to be a pet owner in the Constitution State, maybe you’re considering adding a furry friend to your crew. The good news is there are hundreds of dogs and cats waiting to find their forever homes. Visit PetFinder to find adoptable dogs and adoptable cats in Connecticut.
If You Live in Connecticut, Consider Insuring Your Pet
Whether you have a beach bum pup in Westport or an apartment lounger in Stamford, it’s likely that you’ll need to take your pet to the vet at some point throughout their life. MetLife Pet Insurance policies can help take the worry out of affording necessary veterinary care to keep your pet happy and healthy.2 Get a free quote so you can enjoy all there is to offer in Connecticut with your four-legged companion.
There is no substantive difference between a MetLife Pet Insurance policy in Connecticut and a MetLife Pet policy in another U.S. State.
1 “2022 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards
2 Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.
3 Based on a January 2022 review of publicly available summary information about competitors’ offerings. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor’s policy or coverage, please contact them or their representative directly.
4 Approximately 80% of claims are processed within 10 days or less.
5 We do not cover all pre-existing conditions; just those covered by the previous provider. For group policyholders only.
6 Wait period for accident coverage is midnight EST compared to 2 to 15 days for competitor's; wait period for illness coverage is 14 days compared to 14 to 30 days for competitor's, based on a January 2021 review of publicly available summary information about competitor's offerings.
7 Accident coverage and Preventive Care coverage (for those who select it) begins on the effective date of your policy. Illness coverage begins 14 days later.
8 Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% for IAIC underwritten policies only.
9 Deductible options range include: $0−$750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.
10 Available at an additional cost.
11 Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose.
12 For IAIC policies only
13 All claims paid amounts are based on MetLife internal claims data from October 2022.
14 “Toxic and Non-Toxic Plants List,” American Society for the Prevention of Cruelty to Animals
15 “Most Popular Dog Breeds in the U.S,” Cute Paws
Coverage underwritten and issued by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85254 or Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations. Application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC for details. MetLife Pet Insurance Solutions LLC is the policy administrator for this coverage. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois).
Disclosure for Maine Residents