Best and Cheapest Pet Insurance in Colorado For Cats and Dogs in 2023

Lemonade Pet Insurance leads as the premier choice for pet insurance in Colorado.

min read
Updated: 30 September 2023
Written by
Doug Schaffer

On this page

Open

Our team of pet insurance experts diligently examined 30 quotes across 18 pet insurance providers, aiming to pinpoint the finest coverage for various scenarios. Lemonade Pet Insurance in Colorado emerges as the top choice, offering the most comprehensive pet insurance coverage in Colorado. They also excel in affordability, making them an ideal choice for owners with young pets.

Nevertheless, three other companies, namely ASPCA, Embrace, and Pets Best Pet Insurance, also shine in their respective categories.

In the forthcoming sections, we’ll delve into Colorado’s finest pet insurance alternatives and explore the various factors that can influence your overall premiums.

Top Pet Insurance Companies In Colorado, 2023

Lemonade
Best Overall Coverage - Lemonade Pet Insurance
Lemonade
Best for Affordable Coverage - Lemonade Pet Insurance
Lemonade
Best for Owners of Young Pets - Lemonade Pet Insurance
aspca
Best for New Pet Owners - ASPCA Pet Insurance
embraceicon-logo
Best for Cat Owners - Embrace Pet Insurance
Best Pet Insurance, Colorado 2023

Comparison Of The Best Pet Insurance Companies 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

4.7

$19

$35.18

Instant Quote
Lemonade Pet Insurance

2 days for accidents and 14 days for illnesses

Owners Of Young Pets

4.7

$19

$35.18

Instant Quote
ASPCA

Immediately for preventive care and 14 days for accidents/illnesses

New Pet Owners

4.6

$39

$83.30

Instant Quote
Pets Best

3 days accidents and 14 days illnesses

Owners Of Multiple Pets

4.5

$30

$41.39

Instant Quote
Lemonade Pet Insurance

2 days for accidents and 14 days for illnesses

Overall Coverage

4.7

$19

$35.18

Instant Quote
Embrace

48 hours for accidents and 14 days for illnesses

Cat Owners

4.7

$22

$48.25

Instant Quote
Scroll to see comparisons

Our Methodology

To find the most affordable pet insurance rates in Colorado, our experts thoroughly examined data from various insurance providers across the state. We also leveraged the extensive collective experience of our insurance team, with over 25 years in the industry, to evaluate each carrier.

It's crucial to keep in mind that while the rates presented in this guide are current and accurate, pet insurance premiums can fluctuate daily, influenced by factors such as your pet's age or breed.

30+

Quotes Analyzed

18

Brands Reviewed

25+

Years Of Industry Experience

32+

Research Hours

Reviews Of The Best Pet Insurance Providers in Colorado


Best Overall Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Several factors contribute to an insurance company’s excellence in a region, including affordability, customer service, and claim processing speed. In Colorado, Lemonade Pet Insurance emerged as the leading performer in most of these areas, offering budget-friendly monthly coverage at $19 for cats and $35 for dogs.

In addition to their competitive insurance rates, Lemonade received high praise from Colorado pet parents for delivering one of the best customer service experiences in the area. The team’s genuine care for animals is evident in the exceptional service they provide to policyholders.

Benefits & Drawbacks

Benefits
  • A 2-day waiting period is applicable for accident coverage.
  • Enjoy the advantage of an industry-leading claims processing department.
  • Numerous discounts are readily available to policyholders.
  • A percentage of your monthly premiums is allocated towards supporting nonprofit organizations.
Drawbacks
  • Some pet breeds face age restrictions when enrolling.
  • Most pet Insurance policies are not accessible in every state.
  • Insurance rates are influenced by the credit and claim history of pet owners.

Cheapest Rates For Multiple Pets

Overall Rating
4.5

Key Statistics

8/10 Affordability
9/10 Customer Reviews
7/10 Payouts
8/10 Coverage Level

Why We Like Them

Having multiple pets can lead to added costs for essentials like food and toys, but it can also bring potential benefits when it comes to pet insurance and vet bills. Numerous insurance providers, such as Pets Best, offer multi-pet discounts for policies that cover multiple animals.

In addition to these discounts, Pets Best presents budget-friendly monthly premiums, with average cat insurance rates at $30 and dog insurance rates at $42.

Pets Best further enhances the value for policyholders by offering various advantages, including access to a 24/7 vet helpline for emergencies. They also extend coverage to animals with disabilities or those in need of special prosthetic devices, as well as Pets Best Accident and Illness plan covers pre-existing conditions and thousands of other conditions. These comprehensive features make Pets Best a reliable choice for pet lovers with multiple pets.

Benefits & Drawbacks

Benefits
  • Coverage encompasses pets in need of wheelchairs or prosthetic devices.
  • Veterinary assistance is accessible through the 24/7 vet healthline.
  • Accident coverage entails a 3-day waiting period.
  • There are adaptable coverage choices for accident and illness policies.
Drawbacks
  • The processing of claims tends to be less expedient compared to other competitors.
  • Policy modifications can only be made during the renewal period.

Cheapest Rates For Owners Of Young Pets

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many individuals choose to adopt younger pets, allowing them to grow alongside their new families. While the excitement of having a kitten or puppy is undeniable, it can also come with a range of new responsibilities that may initially seem overwhelming. Alongside essential pet training, finding a pet insurance provider that simplifies coverage acquisition and management is crucial.

Lemonade Pet Insurance strikes the perfect balance between affordability and user-friendly features. The company boasts an industry-leading mobile app and a dedicated customer service team, offering average rates of $18.14 for cats and $35.18 for dogs.

For owners of young pets, Lemonade Pet Insurance stands as an ideal choice, delivering comprehensive coverage and a hassle-free experience.

Benefits & Drawbacks

Benefits
  • A 2-day waiting period applies for pet injuries.
  • Claims are processed with remarkable speed.
  • There's a wide range of discounts available.
  • A portion of the policyholder's premium goes toward supporting nonprofits.
Drawbacks
  • Specific pet breeds lose eligibility for coverage after reaching a certain age.
  • Coverage is not extended to all 50 states.
  • Insurance rates take into account the credit and claim history of pet owners.

Cheapest Rates For New Pet Owners

Overall Rating
4.6

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Payouts
8/10 Coverage Level

Why We Like Them

For those who are new to pet ownership, having a dependable pet insurance company like ASPCA, with a strong foundation and a track record of advocating for animal health, is a valuable choice.

While ASPCA tends to have slightly higher average premiums, with cat insurance at $38.67 and dog insurance at $83.30, there are several compelling reasons to consider them. For instance, ASPCA imposes no age limit, ensuring that senior pets can obtain coverage without any age-related restrictions.

ASPCA also provides additional coverage options for behavioral issues and alternative therapies, which can be particularly advantageous for certain dog breeds. Their commitment to comprehensive pet care sets them apart.

Benefits & Drawbacks

Benefits
  • Coverage encompasses items such as alternative therapies, behavioral issues, and congenital conditions.
  • Cruciate injuries entail only a 14-day waiting period.
  • Access to a 24/7 telehealth vet line.
  • Vet clinic visit fees for illnesses and accidents are included in standard policies.
Drawbacks
  • Unlimited annual coverage can solely be acquired through an agent.
  • Limited options for deductibles are available.

Cheapest Rates For Cat Owners

Overall Rating
4.7

Key Statistics

9/10 Affordability
10/10 Customer Reviews
8/10 Payouts
7/10 Coverage Level

Why We Like Them

Colorado residents who own cats and seek top-tier policies for their feline companions should give serious thought to Embrace Pet Insurance. This company presents cost-effective rates for cat insurance, averaging just $20.44 per month.

Notably, Embrace goes beyond the norm in supporting local charities by donating $2 for each policy they sell.

Embrace Pet Insurance also holds the distinction of being the preferred partner for several prominent car and home insurance providers, including USAA, Allstate, and GEICO. Their trusted partnerships reflect their commitment to quality pet coverage.

Benefits & Drawbacks

Benefits
  • Economical policy choices are available.
  • The majority of standard policies provide coverage for treatable pre existing conditions.
  • Owners of pets requiring orthopedic care can bypass the waiting period by obtaining a vet exam.
Drawbacks
  • Accident-only policies are the sole option for senior pets aged 14 and above.
  • Supplementary coverage is not included in standard policies.

Best Affordable Coverage

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
9/10 Payouts
8/10 Coverage Level

Why We Like Them

Many pet caregivers want to protect their furry friends but often assume that insurance is costly. However, Lemonade Pet Insurance proves that insurance doesn’t have to be expensive. On average, most cat owners pay only $19, while dog owners pay around $35.

To make insurance more affordable, Lemonade Pet Insurance offers various discounts, including bundling options that can lower costs by as much as 15%. They also have a user-friendly mobile app that makes managing policies quick and easy.

Benefits & Drawbacks

Benefits
  • A swift 2-day accident waiting period is in place.
  • Our claims processing outpaces that of other major competitors.
  • You'll find a multitude of discounts at your disposal.
  • The company allocates a portion of the policyholder's premium to support nonprofits.
Drawbacks
  • Coverage ceases for certain pet breeds beyond a specified age threshold.
  • Coverage is contingent on the state of residence, with limitations.
  • Insurance rates take into account the credit and claim history of pet owners.

Average Pet Insurance Cost In Colorado

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

Average Cost of Pet Insurance In Colorado — By Dog Breed

Dog Breed Average Monthly Cost
Affenpinscher $19
Labradoodle $32
Greyhound $66
Newfoundland $87

Average Cost of Pet Insurance In Colorado — Accidental-Only Coverage

Insurance Provider Average Monthly Cost for Accident-Only Coverage
Lemonade $29
Pets Best $35
TrustedPals $36
Figo $42
ASPCA $56

Average Cost of Pet Insurance In Colorado — Comprehensive Coverage

Insurance Company Average Monthly Cost for Comprehensive Coverage
ManyPets $36
Pets Best $33
Lemonade $41
Trusted Pals $45
Healthy Paws $52

How To Find The Best Pet Insurance Company For You

Buying pet insurance resembles acquiring your health or life insurance, requiring a thoughtful approach to compare rates. However, before diving into comparisons, it’s essential to understand the key elements of a pet insurance policy.

For instance, most pet insurance companies provide two primary types of pet insurance plans: accident-only plans and accident and forgiveness coverage. Each pet insurance quote offers its own set of advantages, tailored to different scenarios.

Accident-only coverage is typically more suitable for younger animals less prone to age-related illnesses. Conversely, breeds with a higher risk factor often benefit from a comprehensive pet insurance plan that offers broader coverage.

Another crucial consideration is the waiting period, as it varies among pet insurance providers for both accidents and illnesses. Evaluating the waiting period is vital to align your pet’s health needs with the most appropriate coverage.

Largest Pet Insurance Companies In The United States

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 Online In Colorado

Obtaining insurance for your pet is a straightforward procedure, especially when utilizing a platform like Insuranceopedia. However, there are several steps you can take in advance and during the application process to expedite the process.

Here are four crucial steps to follow when purchasing pet insurance:

  1. Collect all essential information in advance, including details such as your pet’s type, breed, age, medical history, and any documentation pertaining to your pet’s lineage.
  2. Determine the level of coverage and deductible that best suits your pet’s needs.
  3. Compare pet insurance quotes from at least three different insurance providers to ensure you find the most suitable policy.
  4. Finalize your policy purchase and reach out to your licensed veterinarian to inform them about your new coverage. This step ensures a smooth transition to your pet’s protected health journey.

Factors That Impact Cost Of Your Pet Insurance Policy In Colorado

Pet parents often believe that their pet’s monthly insurance cost depends on just a couple of factors. Yet, the rate for pet insurance takes several aspects into account. These pricing ingredients consist of:

  • Animal Type
  • Breed
  • Age
  • Insurance Type
  • Location

Pet Variety:

The kind of furry friend you have plays a big role in shaping your monthly insurance bill. On average, those with dogs as companions find themselves shelling out 2-3 times more than cat owners. This is mainly because dogs often venture outdoors, exposing themselves to more risks.

Breed:

Your pet’s breed isn’t just about looks; it can significantly affect your animal health insurance costs. While most dog breeds have similar premiums, some are tagged as high-risk. Take boxers and bulldogs, for example. Their track record of sinus and skin issues earns them higher monthly premiums.

Age :

The age of your pet is a crucial piece of the pricing puzzle. While some insurers keep their rates pet-friendly for all ages, others may turn down coverage for older pals. So, if you’ve got a senior sidekick, it’s wise to shop around for pet insurance quotes that fit their stage of life.

Insurance Type:

When you embark on your insurance journey, you’ll typically face two main routes: accident-only or accident and illness plans. Both offer protection, but the comprehensive route often comes with a higher fare. You’ll need to weigh whether the added coverage justifies the extra monthly cost.

Location:

The region can sway pet insurance pricing too. While the premium variance between cities is usually minor, some state regions pose higher risks due to increased claims. This elevated risk landscape translates into heftier premiums in those areas.

Pet Insurance Discounts In Colorado

Much like various healthcare insurance plans, pet insurance costs in Colorado can vary significantly based on your location. One effective strategy to reduce the overall expense of pet health insurance is by taking advantage of discounts. It’s important to note that not all insurance providers offer identical discount options, but it’s worth considering the following possibilities:

  • Employer-sponsored discounts
  • Multi-pet discount
  • Employee union discounts
  • Wholesale and special interest clubs discounts
  • Multi-policy discount
  • Active and retired military discounts
  • Senior discounts
  • Online policy discounts
  • Animal care employee discounts
  • Special service animal discounts

Colorado Pet Insurance Laws To Know

While insurance isn’t a mandatory obligation for Colorado’s pet parents, the state has implemented various insurance regulations and bills aimed at safeguarding animals and their owners. For instance, a recent House Bill made its way into law, impacting decisions related to homeowners’ and renters’ insurance when it comes to a dog’s breed.

In the past, insurance companies had the liberty to deny coverage, terminate pet insurance policies, or increase premiums based on a pet’s breed. However, the enactment of House Bill 2323 has put an end to such discrimination, making it illegal for insurers to consider a dog’s breed or appearance in such matters

In The News

  • Starting from June 30, 2023, insurance companies are prohibited from considering a dog’s breed as the sole determinant in underwriting decisions.
  • Governor Katie Hobbs has approved Senate Bill 1053, which enables veterinarians to establish a veterinary-client relationship using telemedicine.

Information About Colorado

Colorado boasts one of the largest cities in the United States and is rich in Native American heritage. The state is dotted with reservations and cultural sites, providing citizens with insights into Native American traditions.

Colorado is equally famed for its stunning natural scenery, featuring renowned tourist destinations like the Rocky Mountains, Pike National Forest, and Garden of the Gods. Travelers exploring the region are greeted with boundless opportunities to immerse themselves in the beauty of nature.

FAQs

Do all vets take pet insurance in Colorado?

All veterinary clinics in Colorado readily accept pet health insurance, as the process involves pet parents covering the initial medical expenses and subsequently receiving reimbursement from their insurance company.

Do I legally have to insure my pet in Colorado?

While it’s highly recommended to have pet insurance for your furry companions, it’s important to note that it’s not a legal requirement to insure your dog or cat in Colorado.

How much is pet insurance in Colorado?

Similar to pet caregivers across the country, those in Colorado find that insuring cats is more cost-effective than insuring dogs. On average, cat insurance policies in Colorado come with a monthly premium of $27.56, while dog owners generally pay $48.81 per month for coverage.

Go back to top