Pet Insurance in Colorado: Compare the Best Pet Insurance Companies and Most Affordable Quotes

Are you looking for pet insurance in Colorado? MoneyGeek analyzed policy details, coverage options, and thousands of quotes to help you find the best pet insurance company in Colorado with affordable rates.

By Mark Fitzpatrick

Updated: September 26, 2024

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Pet insurance in Colorado can help you save on veterinary expenses while ensuring you meet the health needs of your pet. In case of an emergency, pet insurance covers unexpected vet bills and, depending on the policy you choose, routine treatments.

MoneyGeek compared pet insurance companies in Colorado to help you find the best pet insurance at an affordable rate. We gathered pet insurance quotes in Colorado across major cities, including Colorado Springs, Aurora, Denver, plus others. Our analysis can help you find cheap pet insurance in Colorado and identify a policy that best suits your pet’s needs.

TABLE OF CONTENTS

Best Pet Insurance Companies
The Average Cost of Pet Insurance
The Cheapest Pet Insurance Quotes
What Impacts Pet Insurance Cost?
FAQ’s About Pet Insurance

The Best Pet Insurance Companies in Colorado

MoneyGeek identified the best pet insurance companies in Colorado by analyzing thousands of quotes and comparing coverage benefits. Our comprehensive analysis ranked insurance companies based on affordability and product offerings to identify the companies that offer the best pet insurance in Colorado. But, the cost of pet insurance does vary — breed, age, location, and other factors all contribute. That’s why shopping around to find the best pet insurance at the best price in Colorado is important.

Best Overall Pet Insurance for Your Pet

pros

24/7 pet hotline

Flat rate for accident-only and wellness policies for all pets, regardless of age or breed

Option to set up Vet Direct Pay to avoid upfront costs

cons

No coverage for end-of-life expenses

COMPANY HIGHLIGHTS

MoneyGeek found that Pets Best offers the best pet insurance in Colorado. Pets Best insurance costs an average of $30.60 monthly, making it an affordable option in Colorado. The policy also has unlimited coverage available and offers discounts for insuring multiple pets.

Pets Best offers comprehensive pet insurance that you can customize to suit your pet’s specific needs. You can select an annual benefit limit, annual deductible, and reimbursement amount based on the premium you want to pay.

Pets Best pet insurance in Colorado also offers wellness coverage that covers vet expenses for routine care as well as specialized coverage plans to suit your budget. Some of the unique coverages in this policy include dental care, prosthetic devices and behavioral conditions. Your pet can also have coverage for hereditary and congenital conditions, ensuring that you get your pet the medical assistance they need without worrying about the cost.

For pet parents in Colorado looking for a policy with a wide range of coverages at an affordable cost, Pets Best is the best option.

Best Pet Insurance Company: Unlimited Coverage

pros

Two levels of optional wellness add-ons for routine care coverage

A customizable annual benefit, deductible, and reimbursement rate to suit your budget and needs

Pets Best works with all licensed veterinarians in the United States

cons

Only two annual limit options

COMPANY HIGHLIGHTS

MoneyGeek found Pets Best offers the best unlimited coverage pet insurance in Colorado. When you opt for a Pets Best policy, you can choose between unlimited coverage or a limit option of $5,000 annually. On average, a Pets Best unlimited coverage policy costs $38.71 monthly. It’s only a few dollars more per month to upgrade from a $5,000 limit to unlimited coverage — where there is no limit on the amount the insurance covers in a year for your pet’s needs.

One of the key highlights of Pets Best pet insurance in Colorado is that its essential coverage can stand on its own, or you can add optional coverages to it, depending on your pet’s needs. The essential plan covers procedures, diagnostics, and treatments related to accidents and illnesses. You can choose add-ons like chiropractic treatment, acupuncture, and wellness coverage to cover preventive care, microchipping, and vaccinations.

Best Pet Insurance Company: Affordable Coverage

pros

Flat rate accident-only plans and wellness plans, regardless of age or breed

Affordable premiums for both accident and illness plans

Multiple affordable coverage options to suit different budgets and needs

cons

End-of-life expenses are not covered

Rehabilitation coverage is only available on the Elite plan

COMPANY HIGHLIGHTS

Pets Best has the most affordable pet insurance in Colorado, with an average monthly premium of $22.48. If you are on a budget, you will find multiple coverage options available with Pets Best that you can customize to suit your budget and pet’s needs.

Pets Best offers an accident-only pet insurance policy ranging from $6.00 to $9.00 monthly to cover emergencies such as broken limbs, snake bites and accidental swallowing. You can also choose illness plans with an annual limit of $5,000 or unlimited coverage, depending on the monthly premium you want to pay.

One key advantage of Pets Best pet insurance in Colorado is that while most policies offer exam fees, prescription medication and chiropractic coverage, you have the option to exclude these coverages from your plan to make pet insurance more affordable.

Best Pet Insurance with Multiple Pets

pros

Direct veterinarian reimbursement

Multiple discounts are available, including 5% off for insuring multiple pets

Convenient online tools for filing claims and a 24/7 pet hotline

cons

Does not cover expenses for cremation or burial

COMPANY HIGHLIGHTS

If you want to insure multiple pets in Colorado, MoneyGeek found that Pets Best is the top choice for pet insurance. You can insure multiple pets for an average cost of $27.54 monthly and take advantage of Pets Best’s discount for multiple pets.

Pets Best offers a discount of up to 5% for pet parents enrolling more than one pet in a BestBenefits pet insurance plan in Colorado. One of the key standout features of Pets Best pet insurance is that you get two options for routine care coverage. You can also include alternative care coverage, such as chiropractic treatment and acupuncture.

With Pets Plus, you have the option to cover your pets for just the essentials, such as procedures, diagnostics, and treatments related to accidents and illnesses, or upgrade to more comprehensive coverage that includes preventive care, microchipping, and vaccinations.

Best Pet Insurance Company: Cats

pros

Comprehensive coverage at affordable rates

Free medical history review

Accident-only coverage available

Offers a vanishing deductible for every claim-free year

cons

Wellness benefits are limited to $650 per year

COMPANY HIGHLIGHTS

MoneyGeek found that Embrace offers the best pet insurance in Colorado for cats. On average, an Embrace cat insurance policy costs $23.71 monthly.

Embrace combines affordable rates with comprehensive coverage that ensures your cat has coverage for chronic, congenital and breed-specific conditions, as long as they do not have a diagnosis prior to getting the policy. Some of the expenses that an Embrace cat insurance policy in Colorado includes are:

Exam and consultation fees
Diagnostic procedures
Specialist care
Surgery and hospitalization
Dental
Prescription medication

Embrace pet insurance for cats also gives you the option to choose wellness coverage for everyday veterinary and grooming costs, including spaying or neutering, wellness checks, teeth cleaning, nail trimming, supplements and preventive care.

Ranking	Winner	Avg. Monthly Cost
Overall	Pets Best	$31
Unlimited Coverage	Pets Best	$39
Affordable Coverage	Pets Best	$22
Multiple Pets	Pets Best	$28
Cats	Embrace	$24

What Is the Average Cost of Pet Insurance Cost for Dogs and Cats in Colorado?

Several things determine the cost of pet insurance in Colorado, including location, pet breed, age and the type of coverage. Insuring your dog in Colorado costs an average of $32.15 per month for a $5,000 annual limit, $57.64 monthly for a $10,000 annual limit, and $60.89 per month for unlimited coverage.

If you are insuring a cat in Colorado, you pay an average of $17.46 monthly for a $5,000 annual limit, $28.18 monthly for a $10,000 annual limit, and $38.76 per month for unlimited coverage.

Pet insurance rates in Colorado for a dog or cat, or both, also vary with the amount of the deductible and any additional coverages and features you choose, so it is important to get personalized quotes.

Pet Insurance Policy	$5k Coverage	$10k Coverage	Unlimited
Average Cost for a Dog	$32	$58	$61
Average Cost for a Cat	$17	$28	$39

HOW MUCH PET INSURANCE DO YOU NEED?

MoneyGeek recommends a $5,000 to $15,000 annual coverage limit for pet owners in Colorado and a reimbursement rate of 80% or more. That ensures that if your pet requires emergency veterinary care following an accident or illness, your policy is sufficient to cover the medical expenses, and you can get the best care possible for your pet.

Compare the Cheapest Pet Insurance Quotes in Colorado

When buying pet insurance in Colorado, the options most pet insurance companies offer include:

Annual reimbursement limits ranging from $3,000 to unlimited
$250 to $500 deductible, but some companies have higher or lower options
70-90% bill reimbursement percentage

Pet owners in Colorado look for different coverage amounts based on their budgets and pet needs. With a limited budget, or if your pet does not need much coverage, you can opt for lower coverage limits that have a lower cost monthly. However, pet owners who want the maximum pet insurance protection may choose higher coverage limits that cost more per month because of the additional protection.

MoneyGeek generally recommends the average coverage amount below for pet owners in Colorado.

Maximum Policy Coverage	Winner: Cheapest Policy	Avg Cost
$5,000	Pets Best	$22
$10,000	24 Pet Watch	$51
Unlimited	Pets Best	$39

To find the most affordable pet insurance in Colorado, MoneyGeek has ranked pet insurance companies in Colorado that offer the cheapest rates for a policy with a $5,000 annual coverage limit, $500 deductible, and 80% reimbursement percentage.

Pet Insurance Company	Low Coverage Monthly Cost
Pets Best	$22
Pet Plan	$23
Hartville	$28
ASPCA	$28
Spot	$28
Figo	$35
GEICO	$43
Embrace	$43

Pet Insurance Company	Average Coverage Monthly Cost
24 Pet Watch	$51
Figo	$51
Hartville	$52
Spot	$52
ASPCA	$53
Pumpkin	$61
GEICO	$62
Embrace	$62
Nationwide	$75

Pet Insurance Company	Unlimited Coverage Monthly Cost
Pets Best	$39
Healthy Paws	$45
Trupanion	$62
Figo	$66
Pet Plan	$70
Spot	$84

The Best Cheap Pet Insurance by City in Colorado

The cost of pet insurance in Colorado can vary depending on which city you live in. Cities in Colorado with a higher cost of living typically have higher veterinary costs, which means pet insurance rates are higher. The risk of accidents because of hazardous weather and traffic, for example, in some cities, may also impact the cost of pet insurance. These rates also ultimately vary depending on the coverage limits selected.

City	Coverage Level and Average Monthly Rate
Arvada	$5k: Pets Best, $23 Unlimited: Pets Best, $40 $10k: 24 Pet Watch, $50
Aurora	$5k: Pets Best, $23 Unlimited: Pets Best, $40 $10k: 24 Pet Watch, $50
Centennial	$5k: Pets Best, $23 Unlimited: Pets Best, $40 $10k: ASPCA, $52 $10k: Hartville, $52 $10k: Spot, $52
Colorado Springs	$5k: Pet Plan, $20 Unlimited: Pets Best, $37 $10k: Figo, $44
Denver	$5k: Pet Plan, $20 Unlimited: Pets Best, $38 $10k: 24 Pet Watch, $48
Fort Collins	$5k: Pets Best, $24 Unlimited: Healthy Paws, $40 $10k: 24 Pet Watch, $50
Lakewood	$5k: Pet Plan, $20 Unlimited: Pets Best, $38 $10k: 24 Pet Watch, $50
Pueblo	$5k: Pet Plan, $20 Unlimited: Pets Best, $37 $10k: ASPCA, $39 $10k: Hartville, $39 $10k: Spot, $39
Thornton	$5k: Pet Plan, $21 Unlimited: Pets Best, $38 $10k: 24 Pet Watch, $50
Westminster	$5k: Pets Best, $23 Unlimited: Pets Best, $40 $10k: 24 Pet Watch, $50

What Factors Impact Pet Insurance Cost in Colorado?

When buying pet insurance in Colorado, several factors impact how much you pay monthly. These factors include the coverage level you choose, deductible, the age and breed of your pet, and your location, among others.

Annual reimbursement limit

Most pet insurance policies have options on the annual limit, which can range from $3,000 to unlimited coverage. The higher the annual limit, the higher the monthly premium.

Deductible

On average, pet insurance policies have varying deductibles that can range from $250 to $500. A lower deductible incurs higher monthly premiums compared to a high deductible.

Bill reimbursement percentage

This refers to the amount that the insurance company reimburses you for your pet’s medical bills. A policy with a high bill reimbursement percentage of 90% typically costs more than one with a lower reimbursement percentage of 70-80%.

Breed

On average, dogs cost more to insure than cats since they typically incur higher medical expenses. Some breeds of dogs may also cost more to insure than others, depending on their predisposition to illnesses and overall health status.

Animal age

Older pets cost more to insure since the incidences of illnesses in most pets increase as they age. That means you will typically pay less to insure younger pets compared to older pets.

Location

Pet insurance premiums can vary from one location to another due to factors such as cost of living and risk factors for accidents.

Multi-pet discount

Insuring more than one pet may make you eligible for a multiple pet discount.

FAQ’s About Pet Insurance in Colorado

Is pet insurance in Colorado worth it?

Up to 64.7% of households in Colorado own a pet. The cost of veterinary treatment for pets can be quite expensive, especially in emergencies. According to NAPHIA, the amount of pet insurance policies is growing at over 20% per year.

MoneyGeek recommends pet insurance for all pet owners in Colorado since it is the best way to ensure that you are protected if your pet has an accident or falls ill. For instance, it can cost up to $3,262 to treat your dog if they swallow a foreign object, while cancer treatment costs can be as high as $4,000 for both cats and dogs without insurance.

Which company has the cheapest pet insurance in Colorado?

Pets Best offers the cheapest pet insurance in Colorado at an average rate of $22.48 monthly. However, depending on the coverage that you choose, the age and breed of your pet, and your location, this rate may vary.

What is the cost of pet insurance in Colorado?

Pet insurance in Colorado costs an average of $57.64 per month for a dog if you choose a $10,000 limit and $28.18 monthly for a cat with the same annual limit. However, pet insurance costs can vary widely depending on the coverage plan selected, deductible, the age of your pet, and factors such as location.

What are the best pet insurance companies in Colorado?

The best pet insurance company in Colorado is Pets Best, which offers the best policy if you are looking for an affordable rate, unlimited coverage, or if you want to insure multiple pets. However, if you want to insure a cat, Embrace offers the best policy in Colorado.

MoneyGeek's Rating Methodology for Pet Insurance

MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the most affordable policy to meet your pet’s needs.

To determine the best pet insurance companies in Colorado, MoneyGeek built a detailed rating system by analyzing each company’s product offerings and costs. For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.

To determine the cheapest pet insurance companies in Colorado and affordability scores for our best rankings, MoneyGeek gathered quotes by company across many zip codes in Colorado for four pet types with the following coverage levels:

Low coverage: $5,000 coverage, $500 deductible, 80% reimbursement
Average coverage: $10,000 coverage, $250 deductible, 80% reimbursement
High coverage: Unlimited coverage, $250 deductible, 90% reimbursement

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About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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sources

Care Credit. "Average Costs: Veterinary Care." Accessed September 26, 2024.
AVMA. "AVMA Pet Ownership and Demographic Sourcebook." Accessed September 26, 2024.
Embrace Cat Insurance. "Cat Insurance from Embrace." Accessed September 26, 2024.
Pets Best. "Pet Health Insurance Coverage for Dogs and Cats." Accessed September 26, 2024.