Best Pet Insurance In Colorado For 2025
I’ve named Lemonade Pet Insurance as the best option for pet insurance in Colorado.
We’ve saved shoppers an average of $350 per year on their pet insurance.
Colorado pet owners are seeing rising costs of care from food to veterinary services. In fact, organizations like Colorado Pet Pantry, are offering relief in the form of things like free food every other month in over 100 locations across the state.
The basic cost of food and veterinary care for pets in Colorado runs an average of $5,000 and that doesn’t apply to unexpected accidents or illnesses. Thankfully, the right type of pet insurance can help with the unexpected.
Best Pet Insurance In Colorado, 2025
Compare The Best Pet Insurance In Colorado
| Coverage Waiting Period | Best For | Overall Rating | Average Annual Cost for Cats | Average Annual Cost for Dogs | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
2 days for accidents and 14 days for illnesses |
Affordable Coverage |
|
$17 |
$32 |
Instant Quote |
| Lemonade Pet Insurance |
2 days for accidents and 14 days for illnesses |
Owners Of Young Pets |
|
$17 |
$32 |
Instant Quote |
| ASPCA |
Immediately for preventive care and 14 days for accidents/illnesses |
New Pet Owners |
|
$18 |
$37 |
Instant Quote |
| Pets Best |
3 days accidents and 14 days illnesses |
Owners Of Multiple Pets |
|
$12 |
$27 |
Instant Quote |
| Lemonade Pet Insurance |
2 days for accidents and 14 days for illnesses |
Overall Coverage |
|
$17 |
$32 |
Instant Quote |
| Embrace |
48 hours for accidents and 14 days for illnesses |
Cat Owners |
|
$14 |
$31 |
Instant Quote |
Best Pet Insurance Providers In Colorado 2025
Best Overall Coverage
Key Statistics
Why We Like Them
⇅The finest pet insurance providers are determined by factors such as cost, customer service, and claim processing efficiency. Lemonade Pet Insurance is a leader in Colorado, offering competitive monthly rates of $18.41 for cats and $35.18 for dogs. Colorado pet owners also highlighted Lemonade’s exceptional customer service and their commitment to animals.
Benefits & Drawbacks
⇅- 48-hour waiting period for accident coverage
- Outstanding claims processing group
- A diverse array of discounts is accessible.
- Some of the monthly costs benefit nonprofit sectors. ✓
- Age restrictions are in place for enrolling certain pet breeds.
- Guidelines are not available in every state.
- Insurance companies factor in the pet owner's credit history and previous claims when setting rates. ✘
Best For Multiple Pets
Key Statistics
Why We Like Them
⇅Caring for more than one pet can increase your costs, but it may also save you money on pet insurance. Providers like Pets Best offer discounts for multi-pet policies. Pets Best also features affordable premiums, with cat insurance averaging $29.54 and dog insurance at $41.39. In addition, they offer a 24/7 vet helpline and coverage for animals with disabilities or special prosthetic needs.
Benefits & Drawbacks
⇅- Our coverage includes pets that use wheelchairs or prosthetics.
- The 24/7 vet healthline offers veterinary assistance whenever you need it.
- A three-day waiting period applies to accident coverage.
- Coverage for accidents and illnesses can be tailored to your needs. ✓
- Claims are handled with less speed than they are by competing firms.
- Policy adjustments are only feasible when renewing. ✘
Best For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Many people choose to adopt young pets, which can bring joy and excitement to their families. However, the responsibilities of a new kitten or puppy can be a bit overwhelming. Beyond training, selecting a pet insurance provider that simplifies coverage management is key. Lemonade Pet Insurance combines affordability with an easy-to-use mobile app and great customer support. With average premiums of $18.14 for cats and $35.18 for dogs, Lemonade is a top choice for pet owners with young pets.
Benefits & Drawbacks
⇅- Policyholders are eligible for pet injury coverage with a minimal 2-day waiting period.
- Claims are processed promptly.
- There's a diverse range of discounts for policyholders.
- The company channels a portion of the policyholder's premium to nonprofits. ✓
- Once certain pets reach a certain age, they're no longer covered by insurance.
- The policy does not cover all states in the nation.
- Insurance premiums are set considering the pet owner's credit standing and claim background. ✘
Best For New Pet Owners
Key Statistics
Why We Like Them
⇅New pet owners should look for an insurance provider with a proven track record in animal health, like ASPCA. While the premiums are higher, at $38.67 for cats and $83.30 for dogs, ASPCA brings several benefits. They have no age limits, covering senior pets without restrictions, and provide additional options for behavioral and alternative therapies, which can be useful for certain breeds.
Benefits & Drawbacks
⇅- Items covered include alternative therapies, behavioral matters, and conditions present from birth.
- For cruciate injuries, a waiting period of 14 days is necessary.
- Our 24/7 telehealth vet line is always ready to assist.
- Conventional policies cover the costs of vet clinic visits for illnesses and accidents. ✓
- The sole way to acquire unlimited yearly coverage is via an agent.
- There are not many choices for deductions. ✘
Best For Cat Owners
Key Statistics
Why We Like Them
⇅If you’re in Colorado and need great cat insurance, Embrace Pet Insurance is an affordable option, with plans averaging $20.44 per month. They also donate $2 to charitable causes with every policy sold. Embrace is a preferred partner for major insurers like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- You have the opportunity to select affordable policies.
- Many standard insurance plans encompass coverage for treatable pre-existing medical conditions.
- Owners of pets needing orthopedic treatment can fast-track the process with a vet's exam. ✓
- Only accident policies are available for pets aged 14 years and older.
- Standard policies do not encompass additional coverage. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅While many pet owners want to protect their pets, they often think pet insurance is too pricey. Lemonade Pet Insurance proves this wrong with affordable rates of $18.41 for cats and $35.18 for dogs. They also offer discounts like bundling, cutting costs by up to 15%, and their easy-to-use app simplifies managing policies.
Benefits & Drawbacks
⇅- Accidents require a 2-day waiting period.
- Claims are handled more rapidly than those of other major players.
- A plethora of discounts are waiting for you to use.
- A fraction of your premium is allocated to nonprofits. ✓
- Coverage for certain pet types may terminate once they reach a specific age.
- Restrictions on coverage are determined by your state of residence.
- Insurance pricing for pets is shaped by the owner's credit and past claims. ✘
Average Cost of Pet Insurance in Colorado
Wondering how much pet insurance costs in Colorado? The answer depends on your pet’s breed, the level of coverage you choose, and the provider you go with. Below, we break down average monthly costs for both dogs and cats in the state—plus what you can expect to pay for accident-only vs. comprehensive coverage.
Average Cost of Pet Insurance In Colorado — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Beagles | $19 |
| Labradoodle | $32 |
| Greyhound | $66 |
| Golden Retriever | $87 |
Dog insurance premiums vary significantly depending on the breed. Breeds like Greyhounds and Golden Retrievers typically cost more to insure due to their size and predisposition to certain health conditions.
Average Cost of Pet Insurance In Colorado — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $17 |
| Sphynx | $18 |
| Siamese | $22 |
| Maine Coon | $23 |
In general, cats are cheaper to insure than dogs. Premiums for cat breeds remain relatively low, although exotic or larger cats like Maine Coons may be slightly more expensive.
Average Cost of Accident-Only Pet Insurance In Colorado
| Insurance Provider | Average Monthly Cost |
| Lemonade | $26 |
| TrustedPals | $32 |
| Figo | $38 |
| Pets Best | $31 |
| ASPCA | $36 |
Accident-only plans are ideal for younger, healthy pets or owners looking for affordable protection. These plans usually don’t cover illnesses but provide peace of mind for injuries or emergencies.
Average Cost of Comprehensive Pet Insurance In Colorado
| Insurance Provider | Average Monthly Cost |
| Lemonade | $29 |
| Pets Best | $35 |
| Trusted Pals | $36 |
| FIGO | $42 |
| ASPCA | $56 |
Comprehensive plans offer the most protection, covering both accidents and illnesses. While they’re more expensive than accident-only coverage, they can save pet owners thousands in vet bills over time—especially for pets prone to chronic conditions.
Largest Pet Insurance Companies In The United States
The U.S. pet insurance market has experienced significant growth, with several key players leading the industry. While exact market share percentages can vary across sources, the following companies are recognized as major contributors:
| Insurance Company | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | .73% |
| Pumpkin Pet Insurance | .48% |
How To Buy Pet Insurance In Colorado
Acquiring pet insurance is a clear-cut task, especially through platforms such as Insuranceopedia. If you are a low-income pet owner, Colorado has a program called Peticaid Colorado which can offer financial assistance to cover basic veterinary care.
No matter your income level, the steps for buying pet insurance in Colorado are simple:
Compare rates from at least three companies. Be sure you look at the same plan/coverage amount when comparing plans.
Find the coverage amount and deductible that best address your pet’s needs.
When comparing, be sure to play around in the cost of premiums with changes to deductibles, reimbursement percentages, and annual limits.
Decide what coverage plan is best for your pet based on age and breed. If, for example, you have a new puppy or kitten, an accident-only plan or a wellness addition will suffice.
Things That Impact The Cost Of Pet Insurance In Colorado
In Colorado the average pet insurance cost for dogs is $47 per month and $28 per month for cats, roughly $1 less than the national average respectively. That said, there are several factors that can impact the cost of your pet insurance policy.
- Location: One of the biggest factors that impacts the cost of a pet insurance policy is your location. Larger cities like Denver and Boulder have higher costs of living, higher veterinary costs, and as such, higher insurance costs.
- Age: The age of your pet will influence the premiums with older pets costing more to insure.
- Breed: The type of animal has a role to play with dogs costing more than cats but so does the breed as certain breeds are prone to health risks especially purebred animals and this will increase your premiums.
- Coverage Type: The type of coverage you pick like a comprehensive plan or an accident only plan will also impact your premiums.
No matter your location or the age of your animal, you can find different pet insurance discounts in Colorado to help with this cost.
How To Find The Best Pet Insurance Company For You
When investigating different pet insurance companies, it’s important to compare coverage details and rates. Each company will offer different prices as well as discounts but more importantly is determining whether accident only coverage is enough or whether you need a comprehensive plan that extends to illnesses and accidents.
In general, accident only coverage is best for younger pets and those who have fewer health issues while comprehensive care is better for any breed that has a higher risk of health concerns or any animal that is older.
Pet Insurance Discounts In Colorado
Colorado has several discounts available based on special group membership, employment, and other options:
- Military members get discounts from many companies like USAA.
- State of Colorado employees qualify for up to 30% off and preferred pricing through the employee benefits.
- CSU gives employees and students access to discounts from several providers.
- AARP provides up to 10% off with certain companies.
- Costco gives exclusive discounts of 15%.
- AAA members offer savings up to 30% from certain providers.
There are other discounts for things like multi-pets or bundling multiple insurance products too.
Our Methodology
We conducted a detailed analysis of pet insurance options in Colorado to identify the most affordable choices. Our team, with over two decades of collective insurance expertise, provided valuable insights. It's crucial to bear in mind that while the rates presented in this guide are current, premiums may vary daily based on factors like your pet's age and breed.
Quotes Analyzed
Brands Reviewed
Years Of Industry Experience
Research Hours
FAQs
Do all vets take pet insurance in Colorado?
In Colorado, all vet clinics support pet insurance, where pet owners handle the vet bills upfront and later get the costs reimbursed by their insurer.
How much is pet insurance in Colorado?
Reflecting a common trend nationwide, cat owners in Colorado generally pay less for insurance than dog owners. Cat insurance typically costs $27.56 per month, while dog insurance averages $48.81.
Legally, am I required to insure my pet in Colorado?
While insuring your pets is a good idea, it’s important to note that Colorado does not legally require you to have insurance for your dog or cat.
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