Best Pet Insurance in Colorado (CO) in 2024
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Whether you’re worried about your furry friend having an accident or unexpectedly contracting a disease, pet insurance is a great way to guarantee it gets the health care it needs affordably.
We surveyed 1,000 pet owners to learn more about the pet insurance industry, read hundreds of third-party customer reviews, and analyzed the top pet insurance providers on factors like customer service and coverage. We found that Lemonade has the best pet insurance that Colorado has to offer, with its quality coverage and reasonable pricing. Keep reading to learn about the best pet insurance companies at the right cost in Colorado and what makes them stand out.
- We pulled multiple sample quotes from each pet insurance company for policies in Denver for various pet breeds to give you a sense of what pricing might look like. These policies came with a $5,000 annual coverage limit, an 80% reimbursement rate, and a $250 annual deductible.
How Do Top Pet Insurance Companies Compare?
| Company | Star Rating | Monthly Cost for Dogs* | Monthly Cost for Cats* | Visit Site |
|---|---|---|---|---|
| $33.69 | $13.32 | VISIT SITE | ||
| $38.44 | $21.53 | VISIT SITE | ||
| $65.15 | $53.43 | VISIT SITE | ||
| $44.83 | $24.68 | VISIT SITE | ||
| $49.85 | $26.55 | VISIT SITE | ||
| $44.79 | $16.36 | VISIT SITE | ||
| N/A | N/A | VISIT SITE |
Who Are Colorado’s Top 7 Pet Insurance Providers?
How Much Is Pet Insurance in Colorado?
Although pet insurance and pet wellness plan pricing varies based 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: As your pet gets older, it becomes more expensive to insure due to its likelihood of having health issues. Pet insurance pricing typically increases after your pet passes 6 years old.
- Species: The pricing of pet insurance for dogs is generally more expensive than pet insurance for cats, since most dogs are more susceptible to conditions such as hip dysplasia and ligament issues, which are both expensive to treat.
- Breed: Some breeds, such as golden retrievers and labrador retrievers, are known to contract health issues like hip dysplasia and other conditions, so their pet health insurance policies come with a higher price tag than other healthier breeds.
- Customization: You can customize your pet insurance policy from most pet insurance companies to help make it more affordable. You can choose a higher annual deductible, lower annual coverage limit, and lower reimbursement rate for a cheap pet insurance policy that fits your needs.
Is Colorado Pet Insurance Worth It?
Choosing from these top pet insurance companies in Colorado comes down to your preferences. If you’re looking for an affordable policy with excellent overall coverage, we recommend Lemonade or a company like Embrace or Spot for customizable policy limits and deductibles. Other companies like Fetch, Prudent Pet, and Healthy Paws may be better for those who want unlimited annual coverage.
FAQs About Colorado Pet Insurance
Is pet insurance in Colorado worth it?
Yes, we believe pet insurance is an affordable way to pay for unexpected accidents and illnesses that arise in your pet. We surveyed 1,000 pet owners in the U.S. to learn more about pet ownership and the real value of pet insurance. Roughly 40% of respondents said they would rely on a credit card for their pet’s emergency vet bills. With unexpected vet bills often costing hundreds to thousands of dollars, a pet insurance policy can give you peace of mind and help you avoid the financial impact of excessive vet bills on your credit card.
Does pet insurance offer immediate coverage?
No. Each pet health insurance policy comes with a dedicated waiting period for accidents and illnesses—typically 14–15 days—before you can file a claim on covered incidents. For example, if your pet breaks a bone the day after you sign up for a policy, it wouldn’t be considered a covered accident by the insurer.
Does pet insurance cover vaccinations?
While standard pet insurance policies don’t cover preventative care, including vaccinations, annual wellness visits, and other routine care treatments, you can purchase add-on coverage from Lemonade, Prudent Pet, and Embrace for coverage on those items.
Our Rating Methodology
We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:
- Coverage (25)
- Plan options (20)
- Monthly cost (20)
- Company reputation (15)
- Customer service (10)
- Species eligibility (10)
Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.
To share feedback or ask a question about this article, send a note to our Reviews team at [email protected].
