Best Pet Insurance Companies & Plans
in Colorado

Discover our selected list of highly-rated pet insurance providers in CO, offering affordable plans with extensive coverage for your beloved pets.

Embrace pet insurance review
star reviews 4.5

Overall Rating 4.6 / 5

Embrace Pet Health Insurance

Embrace Pet Health Insurance distinguishes itself in pet insurance by offering a distinctive array of customized plans catered specifically to dogs and cats. They provide a range of coverage options, such as Wellness Rewards and specialized plans designed for senior pets. What truly sets Embrace apart is its innovative approach, allowing pet owners to customize their policies to align with their individual needs precisely.

  • Average monthly cost for dogs – $35
  • Average monthly cost for cats – $18
  • Maximum annual coverage – Unlimited
  • Deductible – $100 to $1,000
  • Max age limit – 14 years

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Spot pet insurance review
star reviews 4.5

Overall Rating 4.5 / 5

Spot Pet Health Insurance

Spot Pet Health Insurance stands out prominently in the fiercely competitive arena of pet insurance, earning accolades through a stellar 4.5-star rating. This rating is a testament to the extensive array of thoughtfully tailored insurance choices designed specifically for cherished dogs and cats. Their coverage spans a broad spectrum of scenarios, providing safeguarding against mishaps, ailments, and even proactive healthcare measures.

  • Average monthly cost for dogs – $54
  • Average monthly cost for cats – $23
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, $750, and $1,000
  • Max age limit – No limit

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FIGO Pet Insurance Review
star reviews 4.5

Overall Rating 4.5 / 5

FIGO Pet Health Insurance

FIGO Pet Health Insurance has earned substantial acclaim, boasting an impressive 4.5-star rating, thanks to its innovative approach to pet insurance. What sets this insurer apart is its distinctive strategy of offering three tiers of accident and illness coverage, bolstered by cutting-edge technology. FIGO’s comprehensive insurance protection spans a wide range of medical conditions, demonstrating its commitment to safeguarding your beloved pets’ well-being.

  • Average monthly cost for dogs – $29
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $5,000 to unlimited
  • Deductible – $100 to $750
  • Max age limit – No limit

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Fetch pet-insurance review
four star review

Overall Rating 4.4 / 5

Fetch Pet Health Insurance

Fetch Pet Health Insurance has carved a notable niche within the pet insurance arena, proudly showcasing a sturdy 4.4-star rating while delivering comprehensive coverage for beloved dogs and cats. Their extensive array of insurance choices includes protection against accidents and extends to holistic healthcare. What truly sets Fetch apart is its all-encompassing policy, which offers policyholders the freedom to seek veterinary services from any licensed practitioner in both the United States and Canada, granting pet owners unmatched flexibility and peace of mind.

  • Average monthly cost for dogs – $35
  • Average monthly cost for cats – $20
  • Maximum annual coverage – $15,000
  • Deductible – $250 to $500
  • Max age limit – No limit

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Pets Best Pet Health Insurance
star reviews 4.5

Overall Rating 4.3 / 5

Pets Best Pet Health Insurance

Pets Best Pet Health Insurance has attracted attention with a noteworthy 4.3-star rating and distinguishes itself by offering budget-friendly insurance solutions designed exclusively for dogs and cats. Their forte lies in providing coverage for accidents and various medical conditions, including specialized plans catering to elderly pets. What differentiates Pets Best is their steadfast dedication to flexibility, empowering pet owners to tailor their policies precisely to align with their preferences and needs.

  • Average monthly cost for dogs – $30
  • Average monthly cost for cats – $28
  • Maximum annual coverage – $2,500, $5,000, $10,000 or unlimited
  • Deductible – $50 to $1,000
  • Max age limit – No limit

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Trupanion Pet Insurance Review
star reviews 4.5

Overall Rating 4.3 / 5

Trupanion Pet Health Insurance

Trupanion Pet Health Insurance stands out conspicuously in the domain of pet insurance, boasting a remarkable 4.3-star rating. It brings a transformative approach to the field by facilitating direct payments to veterinarians, setting it apart from the competition. What truly sets Trupanion apart is its exceptional characteristic of being devoid of claim restrictions, providing an unparalleled degree of coverage flexibility rarely found in the realm of pet insurance.

  • Average monthly cost for dogs – $70
  • Average monthly cost for cats – $40
  • Maximum annual coverage – Unlimited
  • Deductible – $0 to $1,000
  • Max age limit – 14 years

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Lemonade pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Lemonade Pet Health Insurance

Lemonade Pet Insurance delivers modern, extensive insurance for cats and dogs, blending technology with cost-effectiveness. It covers essential accident and illness needs and includes optional wellness plans. Unique to Lemonade is its dedication to social good, donating unspent money to charities. Their policies are highly flexible, and they provide an easy mobile app for managing claims.

  • Average monthly cost for dogs – $31
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $100,000
  • Deductible – $100, $250, $500
  • Max age limit – 14 years

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Pumpkin Pet Insurance
star reviews 4.5

Overall Rating 4.2 / 5

Pumpkin Pet Health Insurance

Pumpkin Pet Health Insurance has garnered attention with an admirable 4.2-star rating, distinguishing itself through its extensive coverage that includes dental care, behavioral concerns, hereditary conditions, and specific pre-existing conditions. Their all-inclusive accident and illness policy offer remarkable advantages, such as coverage for alternative treatments and prescription dietary supplements, setting Pumpkin apart in the world of pet insurance.

  • Average monthly cost for dogs – $109
  • Average monthly cost for cats – $61
  • Maximum annual coverage – Unlimited
  • Deductible – $100, $250, $500, or $1,000
  • Max age limit – No limit

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Healthy Paws pet insurance review
star reviews 4.5

Overall Rating 4.2 / 5

Healthy Paws Pet Health Insurance

Healthy Paws Pet Health Insurance has earned a robust 4.2-star rating by emphasizing transparency, affordability, and all-encompassing coverage, all while refraining from imposing annual or lifetime limits. Their uncomplicated policy is further reinforced by a 30-day money-back guarantee, underscoring their commitment to ensuring customer satisfaction.

  • Average monthly cost for dogs – $72
  • Average monthly cost for cats – $36
  • Maximum annual coverage – $5,000
  • Deductible – $250 or $500 (under 6 years)
    $500-$1,000 (6 years and older)
  • Max age limit – No limit

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ASPCA Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance celebrated for its impressive 4.0-star rating and a longstanding partnership with Crum and Forster since 2006, offers tailored insurance solutions designed to safeguard pets against accidents, illnesses, and hereditary conditions. What sets ASPCA apart is its comprehensive coverage, which goes beyond the standard by encompassing costs associated with veterinary check-ups and microchipping services, ensuring the well-being of beloved animals.

  • Average monthly cost for dogs – $36
  • Average monthly cost for cats – $16
  • Maximum annual coverage – $10,000
  • Deductible – $100 to $500
  • Max age limit – No limit

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Metlife Pet Insurance
four star review

Overall Rating 4.0 / 5

Metlife Pet Health Insurance

MetLife Pet Health Insurance has garnered a noteworthy 4.0-star rating, setting itself apart by its unwavering dedication to providing comprehensive and adaptable insurance solutions designed for dogs and cats. Their coverage spans a wide spectrum, encompassing accidents, illnesses, chronic ailments, hereditary concerns, and alternative therapies. This solidifies their prominent position in the field and underscores their commitment to offering competitive pricing.

  • Average monthly cost for dogs – Β $30
  • Average monthly cost for cats – $17
  • Maximum annual coverage – $10,000
  • Deductible – $50 to $2,500
  • Max age limit – No limit

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Many Pets Pet Insurance Review
four star review

Overall Rating 4.0 / 5

ManyPets Pet Health Insurance

ManyPets Pet Insurance provides unique coverage for both dogs and cats, including accidents, illnesses, and wellness care. They stand out by covering pre-existing conditions, which is uncommon among competitors. Offering affordable rates and user-centric policies, ManyPets shortens waiting times for those switching providers and avoids increasing premiums after claims.

  • Average monthly cost for dogs – $30
  • Average monthly cost for cats – $25
  • Maximum annual coverage – Unlimited
  • Deductible – $250, $500
  • Max age limit – No limit

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WAGMO pet insurance review
four star review

Overall Rating 3.9 / 5

Wagmo Pet Health Insurance

Wagmo Pet Insurance merges standard accident and illness protection with special wellness programs, catering to diverse pet care demands. These plans enhance preventive care’s affordability and accessibility. Wagmo provides options to adjust deductibles, reimbursement percentages, and coverage caps, ensuring flexible pet insurance. They emphasize partnering in pet health, which is evident in their effective claims processing and strong customer service.

  • Average monthly cost for dogs – $49
  • Average monthly cost for cats – $28
  • Maximum annual coverage – up to $20,000*
  • Deductible – $250, $500, $1,000
  • Max age limit – No limit

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Prudent Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Prudent Pet Health Insurance

Prudent Pet Health Insurance has earned a strong 3.8-star rating by offering a versatile and all-encompassing selection of insurance options crafted exclusively for dogs and cats. Their offerings extend to coverage for accidents and illnesses, alongside dedicated plans focused solely on protecting against unexpected mishaps.

  • Average monthly cost for dogs – $45
  • Average monthly cost for cats – $40
  • Maximum annual coverage – $5,000 or unlimited
  • Deductible – $50, $100, $200, $250, $500 or $1000
  • Max age limit – No limit

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Hartville Pet Insurance Review
three and half starts

Overall Rating 3.8 / 5

Hartville Pet Health Insurance

Hartville Pet Health Insurance has garnered a notable 3.8-star rating, showcasing its commitment to providing a wide array of flexible and comprehensive insurance options tailored specifically to protect the health of dogs and cats. Their coverage encompasses accidents, illnesses, and proactive healthcare measures, embodying a holistic approach to ensuring the welfare of our beloved animal companions.

  • Average monthly cost for dogs – $49
  • Average monthly cost for cats – $28
  • Maximum annual coverage – $10,000
  • Deductible – $100, $250 or $500
  • Max age limit – No limit

read expert review Β»

Understanding Pet Insurance in Colorado

Understanding pet insurance in Colorado involves recognizing it as a form of pet health insurance, which can significantly mitigate the financial impact of unexpected veterinary expenses. Policies typically cover a range of medical issues, including accidents, illnesses, surgeries, prescriptions, and sometimes even preventive care.

The cost of these policies can vary based on factors such as the type of pet, breed, age, and the coverage level chosen. In Colorado, as in other states, pet insurance does not cover pre-existing conditions, which is an important consideration when purchasing a policy.Β  Additionally, pet owners should be aware of the waiting periods, deductibles, reimbursement levels, and policy limits when selecting insurance.

Why Consider Pet Insurance in CO

Considering pet insurance in Colorado State is important for several reasons:

  • Rising Veterinary Costs: With the increasing cost of veterinary care, pet insurance helps manage expenses, especially for unexpected illnesses or accidents.
  • High Altitude Risks: Colorado’s high altitude and outdoor lifestyle can pose unique risks to pets, such as injuries from hiking or exposure to wildlife, making insurance beneficial for covering these specific incidents.
  • Flexibility in Veterinary Care: Having insurance allows pet owners in Colorado more freedom in choosing veterinarians or specialized treatments, as they are not as restricted by cost concerns.
  • Peace of Mind: Pet insurance provides peace of mind, knowing that you are financially prepared for unexpected veterinary expenses, which can be particularly high in states like Colorado.
  • Customizable Plans: Colorado residents can benefit from customizable insurance plans, allowing them to choose the coverage that best fits their pet’s needs and budget.

the best pet insurance in Colorado

How Pet Insurance Works in Colorado

Pet insurance in Colorado works similarly to human health insurance but with a reimbursement model. When a pet needs medical attention in cities like Denver, Colorado Springs, Boulder, Fort Collins, Aspen, or any area in the state, the pet owner pays the veterinarian directly and then submits a claim to the insurance company.

The insurance provider reviews the claim, and if it falls under the coverage terms, the owner receives a reimbursement for some expenses. This percentage of reimbursement depends on the chosen plan. The coverage typically includes accidents, illnesses, surgeries, and sometimes even preventive care or routine check-ups, but it does not cover pre-existing conditions.

Choosing the Right Pet Insurance Company in CO State

Choosing the right pet insurance company in Colorado State requires careful consideration, especially given the diverse needs of pets in various cities and areas:

  • Research Company Reputation: Look into the reputation and reviews of city insurance companies. A company with a good track record in these areas is likely reliable.
  • Compare Coverage Options: Different areas like Fort Collins or Aspen may have specific needs based on climate or lifestyle. Compare what is covered, such as accidents, illnesses, breed-specific conditions, and preventive care.
  • Look for Customizable Plans: Customizable plans can better suit individual needs, especially in a state with diverse geography and lifestyles, from urban Denver to the mountainous regions of Aspen.
  • Evaluate Customer Service: Consider the level of customer service, which is especially important in emergencies. A responsive company in bustling cities may be a good choice.

By taking these points into account, pet owners in Colorado can select an insurance company that best fits their and their pet’s specific needs, whether they’re in a major city or a more remote area.

Frequently Asked Questionsβ“πŸ™‹

What is pet insurance and how does it work?

Pet insurance is a type of insurance policy that covers your pet’s medical and health-related expenses. It works by paying for veterinary services upfront and submitting a claim to your insurer for reimbursement based on your plan’s coverage.

How quickly can I use my pet insurance after purchasing a policy in Colorado?

There is usually a waiting period before your coverage starts, typically ranging from a few days to a month, depending on the insurer and the type of coverage (accident or illness). This is to prevent claims for conditions that occur right before or immediately after purchasing the policy.

Are hereditary conditions covered by pet insurance in CO?

Many pet insurance policies in Colorado cover hereditary and congenital conditions as long as they weren’t diagnosed or showing symptoms before the policy started.

How does the high altitude in Colorado areas like Aspen or Vail affect pet insurance?

High altitude doesn’t directly affect insurance coverage, but be mindful of related health issues like altitude sickness, which may require veterinary care and could be covered under your policy.

Does pet insurance cover alternative treatments like acupuncture or chiropractic care?

Some pet insurance policies in Colorado do cover alternative treatments. However, coverage varies by provider, so it’s important to check the specifics of your policy.

Are there any pet insurance discounts available for multiple pets households?

Many pet insurance companies offer discounts if you insure multiple pets. This can benefit pet owners in multi-pet households in cities.

How soon after getting pet insurance can I start using it?

There’s usually a waiting period after purchasing pet insurance before coverage begins. This can range from a few days for accidents to several weeks for illnesses.

How does pet insurance handle breed-specific conditions in Colorado?

Pet insurance generally covers breed-specific conditions, but enrolling your pet before any symptoms appear is important, as pre-existing conditions are typically not covered.

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