Our Rankings of The Best Pet Insurance in Colorado
Here are our picks for the top pet insurance providers in Colorado:
What is the Best Pet Insurance in Colorado?
Based on state data collection and analysis, we chose Lemonade as the best pet insurance company in Colorado.
Compare the Best Pet Insurance Companies in Colorado
Each pet insurance provider structures its plans differently, and no one plan is best for all pets or pet owners. Comparing plans can help you see which have the features you want and avoid overpaying for features you will not use. Use our comparison table for a side-by-side look at the top plans in Colorado.
How We Ranked the Best Pet Insurance Providers in Colorado
We use an objective scoring system centered on pricing, coverage, customizations, customer care, availability, industry reputation, waiting periods and age limits to determine star rankings for the pet insurers featured in our reviews. Companies that offer a good value for Colorado pet parent needs — as determined by responses to our nationwide pet owner survey — ranked higher on our list.
We gathered the cost figures featured in this review through a sample quote collection process, averaging data across two types of dogs and two cats.
Dog cost data was determined by averaging quotes from providers for a 3-month-old mixed-breed puppy, a 1-year-old medium mixed-breed dog, a 2-year-old golden retriever, a 5-year-old medium mixed-breed dog and an 8-year-old small-mixed-breed dog.
We determined cost data for cats by averaging sample quotes for a 3-month-old kitten, a 1-year-old shorthair cat, a 2-year-old Siamese cat, a 5-year-old mixed-breed cat and an 8-year-old domestic shorthair cat.
For more information about our cost-collecting and ranking process, you can read our editorial guidelines and full pet insurance methodology.
How Much Does Pet Insurance Cost in Colorado?
Our data shows that average premiums in Colorado are $74 per month for dogs and $39 per month for cats.
We calculated this average by gathering quotes from 22 pet insurance providers using ten different sample pet profiles. Sample pet profiles include mixed-breed and purebred dogs and cats, ranging from 3 months old to 8 years old.”
Actual premium costs will vary depending on your pet’s age and breed and the cost of veterinary care in your area. Purebreds and senior animals cost more to insure because they generally need more veterinary care than other pets.
The following table shows average costs for dogs and cats in Colorado across 11 of the top pet insurance plans in the state.
| Provider | Dog Insurance | Cat Insurance | Overall Average |
|---|---|---|---|
| Lemonade | $55 | $32 | $44 |
| ASPCA | $52 | $24 | $39 |
| Spot | $76 | $34 | $57 |
| Embrace | $101 | $60 | $82 |
| Fetch | $64 | $31 | $49 |
| Figo | $34 | $19 | $28 |
| Healthy Paws | $53 | $21 | $38 |
Colorado Dog Insurance Cost by City
We collected quotes in each of the ten largest cities in Colorado to find the average cost of dog insurance in each. The figures below were found by averaging 10 quotes in each city for a 1-year-old medium mixed-breed dog.
| City | Average Cost | Cost with Wellness Care |
|---|---|---|
| Denver | $54 | $75 |
| Colorado Springs | $45 | $67 |
| Aurora | $48 | $62 |
| Fort Collins | $53 | $74 |
| Lakewood | $54 | $75 |
| Thornton | $51 | $69 |
| Arvada | $50 | $68 |
| Westminster | $50 | $68 |
| Pueblo | $41 | $60 |
| Greeley | $45 | $62 |
What’s the Cheapest Pet Insurance in Colorado?
Based on our review, the cheapest pet insurance providers in Colorado are Figo and Healthy Paws Pet Health Insurance. The table below ranks the top five most affordable companies in Colorado:
| Rank | Company | Average Cost |
|---|---|---|
| 1 | Figo | $28 |
| 3 | Healthy Paws | $38 |
| 4 | ASPCA | $39 |
| 5 | Pets Best | $39 |
| 6 | Lemonade | $44 |
We advise pet owners to consider all factors — not only cost — when choosing a plan. For example, ASPCA Pet Health Insurance covers more in its base plan, but Lemonade’s claim process is particularly fast and offers a completely digital experience.
How To Choose the Best Pet Insurance in Colorado
Pet owners may find it challenging to sift through pet insurance offerings and determine which is the right option for their furry friend. To help you make a selection, consider these factors when shopping for pet insurance:
- Coverage and plan types: The type of coverage you need for your pet will largely determine the best plan. If you’re looking for complete coverage, choose an accident and illness plan. If you prefer having protection in the event of an unexpected vet bill, choose an accident-only plan. If you need help budgeting for expected wellness expenses throughout the year, opt for a plan with available wellness add-ons.
- Fine print: It is important to read the fine print before choosing a policy because exclusions and limitations vary from plan to plan. Choose a plan with easy-to-understand fine print and clear, plain language that outlines exactly what to expect as a policyholder.
- Customization: Look for plans with at least three choices for deductibles, annual limits and reimbursement rates. The more choices offered, the more easily you can adjust your coverage and out-of-pocket costs to suit your budget.
- Customer satisfaction: Reading reviews from current and former customers can help you get a better understanding of how the company works. Check trusted sites, including the Better Business Bureau (BBB) and Trustpilot, for positive and negative customer reviews.
Another factor in pet insurance choice is availability. Laws regulating insurance companies vary from state to state, and pet insurance may be lumped into different insurance law categories based on location. We recommend you obtain quotes early in your research process to ensure a particular insurer is available in your area.
Pet Laws in Colorado
Colorado has pet-related laws to protect the state’s pets, wildlife, and human residents. Pet laws may require rabies vaccinations, provide guidelines about animal bites, detail the treatment of dangerous dogs, and protect wildlife and livestock.
Counties and cities may set individual animal laws in addition to state laws.
Denver Pet Laws
- Residents complaining of nuisance barking cannot remain anonymous. For action to be taken, two separate households must complain, or one household must present evidence of the noise.
- Dogs and cats over six months must be licensed with the city, and dogs must wear their license tags.
- Residents may have up to five pets but no more than three dogs.
Colorado Springs Pet Laws
- A maximum of four dogs and four cats older than four months are allowed in each household. If a household also owns potbellied pigs, a total of four animals (dogs, cats or pigs) are allowed.
- Pets deemed dangerous by animal control officers must be registered with the city as such.
Boulder Pet Laws
- Female dogs in heat must be confined indoors.
- Pet owners cannot allow feces to build up and create a strong odor on their property.
- Owners of dogs not wearing a rabies licensing tag can be fined $35.
Is Pet Insurance Worth It in Colorado?
Pets in Colorado may need veterinary care for injuries, accidents, emergencies, illnesses and chronic diseases throughout their lives. Pet insurance is often worth the annual cost because it can provide financial safety, so you will not have to turn down care if faced with an unexpected pet expense.
Our top pick for pet insurance in Colorado is Lemonade, but choosing a plan is highly personal. Spot or Fetch may be better for comprehensive coverage. You may consider ASPCA Pet Health Insurance for reliability, Healthy Paws for unlimited coverage or Embrace for unique wellness perks. We recommend pet owners obtain quotes from at least three of their top choices before making a final decision.
Frequently Asked Questions About Pet Insurance in Colorado
High altitudes can sometimes trigger or aggravate medical conditions in pets, especially those affected by UV light. If the problem develops after your pet is already insured, your policy will cover the costs associated with treatment. Pets can also suffer from mild altitude sickness, which is also covered.
Pet insurance is great for adventurous pets because they may be prone to accidents and injuries out on the trail. If you have pet insurance in place, your policy can help cover veterinary bills for related treatments and services. For example, pet insurance can cover costs related to broken bones, dog bites and allergies.
Since snake bites are accidental injuries, treatment is typically covered under an accident-only or accident-and-illness pet insurance plan. Pet insurance can reimburse you for hospitalization fees, medications, diagnostic tests, wound care, IV fluids and other necessary care.
Additional Pet Insurance Resources
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