10 Pet Insurance In Colorado 2023 | Full Step-by-step Guide

You look after and nurture your pet while lavishing love on it. But what happens if you have a health problem? How are you going to pay for it?

Pet insurance in Colorado is one way to ensure that your beloved pet receives all of the medical care it requires without having to worry about the cost.

In addition, Colorado is one of the healthiest places in the country; why shouldn’t your pet be included? Pet insurance is an easy and affordable method to look after Fido or Fluffy.

As a result, we’ve done the research and compiled a list of the top insurance in Colorado so you can make the best decision for your pet.

The Definition Of Pet Insurance

Many sources define pet insurance differently although they all tend to mean the same thing.

According to Benzinga, Pet insurance provides coverage over financial protection from the expenses that can come with being a pet parent. Most often, pet insurance policies cover emergency accidents and illnesses. 

Preventative and wellness care, as well as medications and other services, are among the others. Your coverage options depend on your provider, your pet, and their health.

How Does Pet Insurance Work In Colorado?

Pet insurance works a little differently than health insurance for humans. To begin, you normally pay for the vet bill or treatments yourself, then submit a claim with your pet insurance company along with a receipt for reimbursement.

Depending on whether your spending is covered under your plan, your pet insurance company will either approve or deny your claim and then send you a cheque or direct deposit.

You don’t have to worry about your vet being in-network with your insurance carrier because your insurer is directly reimbursing you, not the vet. You have the option of seeing any licensed veterinarian you like.

The amount of money you get back depends on your annual deductible and how much you allot for annual claims. The average rate of reimbursement ranges from 60 to 90 percent. 

What Does Pet Insurance In Colorado Typically Cover?

Every pet insurance coverage is unique, so it’s important to know what’s covered and what isn’t.

  • Illnesses
  • Accidents
  • Hereditary conditions
  • Chronic conditions
  • Congenital conditions
  • Diagnostic treatments
  • Cancer care
  • X-Rays
  • Blood tests
  • Ultrasounds
  • Surgery
  • Hospitalization
  • Prescriptions
  • Emergency care

What Does Pet Insurance In Colorado Won’t Cover

There are some things that many pet insurance companies in Colorado won’t cover, including:

  • Any pre-existing health condition that affected or affects your pet before insurance coverage starts
  • Routine care and wellness visits (although you may be able to optionally add this to your policy)
  • Grooming and boarding, nail trims
  • Specialized prescription food or diets
  • Preventive care (vaccinations, flea control, de-worming) although some policies will allow you to add this on as an option
  • Spaying and neutering
  • Dental health care (unless there is an injury to the teeth caused by an accident)
  • Elective procedures
  • Behavioral training
  • Therapy or medication for behavioral modification

N.B: The coverage for these varies by business, but in most circumstances, it’s safe to anticipate that the pet’s owner will cover the basic costs of pet care, while the insurance will cover larger, more costly catastrophes.


What Is The Cost Of Pet Insurance In Colorado?

The cost of pet insurance vastly changes from one state to the next and on a few different factors, you can typically expect to pay around $20–$100 per month for your policy in Colorado. Here are more details about factors that can impact your premiums:

  • Age: Because your pet is more likely to have health problems as it gets older, it becomes more expensive to insure. When your pet reaches the age of six, the cost of pet insurance usually rises.
  • Species: Dog insurance is often more expensive than cat insurance since most dogs are more prone to illnesses like hip dysplasia and ligament problems, both of which are costly to cure.
  • Breed: Some breeds, such as golden retrievers and labrador retrievers, are known to develop health problems such as hip dysplasia and other illnesses, their pet health insurance policies are more expensive than those of other breeds.
  • Customization: Most pet insurance companies allow you to personalize your coverage to make it more inexpensive. For a cheap pet insurance policy that meets your needs, you can choose a greater yearly deductible, a lower annual coverage limit, and a lower reimbursement rate.

When we pulled a pet insurance quote, where you live in Colorado made a difference, and this can vary depending on the pet insurance provider, but costs are usually determined in part by zip code.

CityMonthly Cost
Colorado Springs$29.06
Estes Park$32.28

Best Pet Insurance In Colorado In 2023 

Here is the list of the best pet insurance in Colorado.

#1. Lemonade

Lemonade provides top-of-the-line pet insurance in Colorado, as well as renters and homeowners insurance, and is our top pick due to its low prices, simple claims process, and impressive preventative care options.

Its standard accident and illness policy cover treatments, procedures, and other expenses incurred in the event of an unplanned emergency. This coverage includes Specialty care, hospitalization, surgery, urinalysis, prescription medications, cancer treatments, and more.

Furthermore, Lemonade excludes elective procedures, dental illnesses, spay or neuter surgery, and pre-existing conditions from coverage.

Additional coverage for physical therapy and vet visit fees can be bought for a few extra dollars per month. Also, Preventative care is available at two different levels of coverage.

Lemonade Pros and Cons

✔ Offers a discount of around 7%–10% for customers who pay annually (depends on your pet’s details and selected options)✘ Requires your pet’s records from a medical exam from within 12 months of the policy’s start date to be eligible for coverage
✔ Provides extra preventative care coverage to puppies and kittens less than 2 years old✘ Doesn’t cover medical costs related to dental illness
✔ Has customizable annual coverage limits up to $100,000, which is higher than most competitors

#2. Prudent Pet

Prudent Pet Insurance is a complete pet insurance plan that includes refunds for vacation cancellation fees, mortality charges, and other expenses. Also, this is one of Colorado’s best pet insurance options.

Furthermore, the insurance provider offers the Accident-Only Plan, which covers vet expenditures up to $10,000 per year for accidents, broken bones, bite wounds, and swallowed objects to your pet.

The Essential Plan covers up to $10,000 per year for accidents, sicknesses, skin issues, hip dysplasia, hereditary conditions, genetic conditions, and more.

Also, the Ultimate Plan gives limitless yearly coverage caps for everything included in the Essential Plan, including special things like vacation cancellation fees and lost-pet advertising fees.

depending on how much you need, Prudent Pet offers three levels of preventative care coverage for an additional cost of $7–$25 per month

Prudent Pet Pros and Cons

✔ Has a 10% multi-pet discount for additional policies on other animals in your home✘ Monthly premiums in Colorado are often higher than many competitors’ premiums
✔ Provides preventative care at three coverage levels and monthly price points✘ Requires you to pay extra for coverage on vet exam fees
✔ Offers an accident-only plan for less expensive coverage on accidents and injuries

#3. Healthy Paws

Healthy Paws is a top-rated pet insurance company that provides limitless coverage for accidents and illnesses to your pet.

It covers injuries and illnesses such as cancer, as well as hereditary, congenital, and chronic diseases.

When a covered injury or disease occurs, it covers vet fees for diagnostic treatments, imaging, cancer treatments, hospitalization, prescription meds, specialty care, alternative treatments, and more.

Healthy Paws, unlike many other companies, does not provide preventative care.

Within the first 12 months of your policy’s start date, it also doesn’t cover vet office visits or exam costs, spay or neuter operations, elective procedures, behavioral treatments, or hip dysplasia.

Healthy Paws Pros and Cons

✔ Includes coverage for alternative treatments, such as acupuncture and chiropractic care✘ Doesn’t provide preventative care add-on options
✔ Makes most payouts within two days of customers filing a claim✘ Limits customization options on plans for pets 6 years or older
✔ Includes a 30-day money-back guarantee with each policy✘ Has a 12-month waiting period for hip dysplasia, which is longer than many competitors

Also, you can check this: Best Pet Insurance that covers Spaying in 2023 | Full Review

#4. Embrace

The five deductible options and unique Healthy Pet Deductible savings opportunities set Embrace apart. It’s also one of Colorado’s best pet insurance providers.

Dental trauma, chronic ailments, cancer, congenital conditions, hip dysplasia, and other illnesses are covered under this pet insurance plan.

Furthermore, it overs charges such as exam fees, physical therapy, and prescription prescriptions, as well as various treatments, procedures, and other costs. Pre-existing conditions, alternative therapies, and elective or cosmetic operations are not covered.

You can purchase the Wellness Rewards Plan for preventative care coverage for $250, $450, or $650 each year, depending on how much extra you wish to spend every month.

Embrace Pros and Cons

✔ Donates $2 to charity for each policy sold✘ Caps maximum annual limit options at $30,000, which is lower than many competitors
✔ Features a helpful mobile app on Android and iOS for policy management✘ Charges a $1 monthly installment fee, which can be avoided if you choose to pay annually
✔ Provides 100% reimbursement for preventative care bills with the Wellness Rewards Plan

#5. Pawp

Pawp offers a membership program instead of traditional pet insurance policies, which includes a virtual clinic where you can ask doctors any questions about your pet’s health.

Members of Pawp have access to an online 24/7 clinic, as well as a $3,000 emergency fund to cover up to six vet bills per household. 

Among the incidents covered by the policy are things like toxic ingestions, severe injuries, chokings, and other life-threatening incidents. 

There is no coverage for scheduled surgeries, checkups, routine care, pregnancy-related issues, or anything else not deemed a life-threatening emergency by an official Pawp vet.

So, before you can access your emergency fund, you need to virtually consult with a Pawp vet through the digital clinic to ensure your pet’s condition is covered. 

As soon as you receive confirmation that your pet will be covered, you have four hours to schedule an appointment for a covered procedure.

Furthermore, pet parents with older animals or those with a less-healthy breed, which are typically difficult to insure, will find Pawp to be an excellent option. All Pawp memberships are only $24 per month. This is one of the best pet insurance plans in Colorado.

Pawp Pros and Cons

✔ Pays 100% of a covered vet bill without requiring customers to pay a deductible or copay✘ Doesn’t have annual coverage limit options beyond the $3,000 for the emergency fund, which is lower than most other providers
✔ Pays the vet directly, rather than reimbursing customers for the invoice, so they don’t have to pay anything out of pocket before the claim is paid out✘ Doesn’t offer preventative care coverage
✔ Its membership comes at a flat rate, regardless of your pet’s breed or age✘ Requires communication with an official Pawp vet to determine if a pet is eligible to use the emergency fund

#6. Spot Pet Insurance

Besides being the No. 1 pet insurance provider in Colorado, Spot Pet Insurance is also recommended by the leading authority in dog behavior Cesar Millan, as well as its best prescription food and supplements. Some insurance highlights include:

  • Vet bills eligible for reimbursement up to 90%
  • No age cap on coverage
  • Plans start as low as $1 a day* — that’s less than a cup of coffee!

You can even add customized and special Spot-On coverage. There are coverage options for accidents, behavioral issues, dental problems, illnesses, and even congenital conditions. 

Spot’s claims service is easy to use. Just visit your veterinarian, send the bill to Spot, and get reimbursed.

Spot pros and Cons

Multiple pet discountDoesn’t cover exotic pets
Covers prescription food and supplements
No upper age limit for coverage enrollment
30-day money-back guarantee
More reimbursement options: 70%, 80% and 90%

#7. Pumpkin 

Pumpkin Pet Insurance has a wide range of coverage options for your furry friends. You can also choose preventive care coverage, and rest assured that all Pumpkin policies cover 90 percent of medical expenses.

It has policies for both dogs and cats, as well as a variety of scenarios. To discover more about any exclusions, request a sample quote.

Furthermore, this insurance company is one of the best in Colorado, and it is ideal for households with many dogs.

Pumpkin is available to answer questions for its customers. Pumpkin’s customer service team can be reached by:

  • Calling 1-866-ARF-MEOW, Monday to Friday from 8 a.m. to 8 p.m. EST
  • Emailing [email protected]

Pumpkin Pros and Cons

No upper age limitPlans only cover cats and dogs — no other pet types
Multiple pet discount
An extensive list of covered procedures

#8. PetFirst

It doesn’t get any easier than PetFirst when it comes to providing quick and attentive pet insurance coverage.

It includes a list of common disorders that dog and pet owners are insured for, such as arthritis, diabetes, cataracts, and even more serious illnesses including heart disease and kidney failure.

Furthermore, PetFirst functions more like a regular human insurance policy, with an annual benefit (the most the firm will pay in a year) and a deductible (the amount you must pay before the insurance policy takes effect) to satisfy.

Also, it accepts dogs and cats of all ages, and you can add on routine care coverage to assist cover the price of routine veterinarian appointments. In addition, PetFirst is one of the best pet insurance companies in Colorado.

PetFirst Pros and Cons 

Full coverage no matter your pet’s ageExtended waiting period for hip dysplasia
Discount for multiple petsRoutine wellness exams not covered
Low deductibles for years with no claimsPre-existing conditions not covered
No age or breed restrictions
80% reimbursement rates

#9. Progressive

Progressive may not come to mind when you think of pet insurance in Colorado. Progressive, in addition to being well-known for auto insurance, now offers pet insurance!

It also includes accident-only, comprehensive pet coverage as well as the option of adding routine examinations. You’ll also be able to personalize your coverage.

Your deductible (from $50 to $1,000), reimbursement percentage (from 70% to 90%), and annual limit (from $5,000 to infinite) are all options.

This allows you to tailor your pet insurance to your specific requirements. Aside from this flexibility, you’ll just have one annual deductible, which means you’ll only have to pay it once a year rather than every time you have a claim.

Furthermore, Progressive processes most claims in 2 to 5 days, which is comparable to most pet insurance companies. You may also customize your payment options, unlike other organizations.

Progressive Pros and Cons

Customizable coverage options with the choice to add wellness coverageOnly available for cats and dogs
Quick email quotes make comparisons simpleBoarding costs are not included in any plan
Affordable accident-only policies are available

#10. ASPCA

The American Society for the Prevention of Cruelty to Animals (ASPCA) is one of Colorado’s best pet insurance companies. Within its base plan, it offers two kinds of coverage: an accident-only plan and a total coverage plan.

The highest level of coverage is the total coverage plan, which includes accident coverage as well as coverage for a wide range of illnesses, genetic disorders, and anxiety-related illnesses.

Pre-existing conditions, breeding fees, and non-medically necessary operations are not covered by the ASPCA, as they are by most other insurance companies.

Furthermore, the ASPCA’s coverage is a little more expensive than that of other pet insurance companies, with monthly premiums in the neighborhood of $48 for dogs and just under $30 for cats.

ASPCA Pros and Cons

The waiting period of only 15 daysThe average monthly cost is higher than most
No exam is required before coverageLower annual benefit caps than other pet insurance providers
Large 10 percent multi-pet discount

Step by Step Guide To Choose The Best Pet Insurance In Colorado

There are a lot of factors to consider as you shop for pet health insurance. The steps below can help you find the right company and policy for you and your pet.

#1. Decide what type of policy you need. 

There are three types of policies available to pet owners:

  • Accident and illness insurance: covers treatment of broken bones, ingested objects, cancer, UTIs, ear infections, etc.  
  • Wellness insurance: covers routine care, such as vaccinations, exams, spaying and neutering, and nail trims 
  • Exotic pet insurance: designed for pets other than cats or dogs, such as hamsters, rabbits, geckos, and snakes

#2. Determine what is (or isn’t) covered under the policy. 

Examine the conditions, diagnostic tests, and treatments that your pet is covered for, as well as any limitations, exclusions, or age-specific restrictions.

If you have a pet with a breed that is prone to inherited or congenital illnesses like hip dysplasia or asthma, make sure the policy covers treatment.

Keep in mind that pre-existing conditions are rarely don’t cover by insurance companies.

#3. Choose a deductible. 

Pet insurance coverage, like human health insurance, includes deductibles, or the amount of money you must pay before the insurance provider will begin to cover charges.

The providers in our ranking generally offer two sorts of deductibles:

  • Annual deductibles are comparable to those found in health insurance coverage for humans. You’re liable for paying a specific amount (for example, $500) for covered care each year, regardless of the type. The insurer will cover any further expenditures after you’ve met your deductible.
  • Per-condition deductibles refer to a set of deductibles that are specific to different conditions. For instance, a policy may include a separate deductible for arthritis, heart disease, cancer, and liver disease. 

#4. Choose a reimbursement rate: 

Reimbursement rates refer to the percentage of costs an insurer will reimburse. Reimbursement rates vary by insurer, but common rates range from 60% to 100% of your veterinary bill.

#5. Determine what limits are available. 

Limits relating to the total amount an insurer will pay for covered expenses in a given year (for example, $10,000). Some insurers do not have yearly limits on payments, whereas others do.

Your insurer will only cover expenses up to the yearly limit if your policy has one. You’ll need to cover any excess costs until the next policy year.

#6. Find out if you can customize your premiums. 

Some insurers let policyholders alter one or more components of their policies to personalize their premiums.

Though each insurer is different, you may be able to choose your deductible, reimbursement rate (the proportion of expenditures covered by an insurer), and policy limits to create a premium that suits your budget and veterinary care needs.

Typically, lowering your payout limitations and reimbursement rate will lower your rates. Raising your deductible can also help you save money on your insurance premiums.

#7. Check for discounts. 

Some insurers will provide discounts that can help you save money on your insurance. Annual pay discounts, multi-pet discounts, veteran discounts, and employee benefit discounts are just some of the savings available.


I hope this article on the best pet insurance in Colorado helps you to know the best insurance company to enroll your pet in and the best policies to go for.



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