Best Pet Insurance In Colorado For June, 2024

Lemonade Pet Insurance is my top choice for Colorado’s best pet insurance company.

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Updated: 08 May 2024
Written by
Doug Schaffer
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Our experienced team of pet insurance professionals thoroughly evaluated quotes from eighteen different pet insurance companies to determine which offered the best coverage for various situations. Lemonade Pet Insurance emerged as the top choice among pet insurance carriers for Colorado.

In addition to providing the leading pet insurance policies in the state, Lemonade also received high marks for offering the most competitively priced premiums. While Lemonade Pet Insurance ranked first in our assessment, there were other carriers that performed exceptionally well in their respective categories.

In the following sections, we will explore some of the top-ranking pet insurance carriers in Colorado, as well as how various factors can impact premiums.

Best Pet Insurance In Colorado, 2024

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 2024

Comparison Of 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

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

In order to determine which are the lowest pet insurance costs in Colorado, we researched information and data garnered from different pet insurance companies active within the state. Our combined 25 years of experience was also used in scoring each carrier. While the rates shown here were accurate and up-to-date when we wrote this guide, insurance premiums can fluctuate on a daily basis. Premiums can go up or down, for instance, based on your pet’s breed or age.

30+

Quotes Analyzed

23

Brands Reviewed

25+

Years Of Industry Experience

32+

Research Hours

The Best Pet Insurance Companies In Colorado


Best Overall Coverage

Overall Rating
4.7

Key Statistics

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

Why We Like Them

When choosing the best overall pet insurance company, various factors are taken into consideration, including price, claims processing speed, and customer service quality.

Lemonade Pet Insurance stood out as the top performer among pet insurance providers in Colorado. With budget-friendly starting rates of just $10 per month for dogs or cats, Lemonade surpasses its competitors.

In addition to its affordable rates, Lemonade receives high praise for its customer service from pet owners in Colorado. Policyholders often mention that Lemonade genuinely cares about pets, which is reflected in the excellent customer service they provide.

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.

Best For Multiple Pets

Overall Rating
4.5

Key Statistics

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

Why We Like Them

If you’re a pet owner with multiple furry companions, you’re likely aware that more pets mean increased expenses. Costs for toys, food, vet visits, and more are multiplied by the number of pets in your household.

However, having multiple pets may not be a downside when it comes to purchasing pet insurance for your animal crew. Many pet insurance carriers, such as Pets Best, offer discounts for insuring multiple pets.

In addition to the cost-saving multi-pet discount, Pets Best Insurance offers competitively priced monthly rates. For instance, monthly rates for cat insurance average between $19 to $34 per month, while rates for dog insurance average around $22, varying depending on the breed of dog.

Pets Best also provides customers with numerous appealing benefits, including access to a 24/7 vet helpline for emergencies. They extend coverage to pets with disabilities or those requiring special prosthetic devices.

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.

Best For Owners Of Young Pets

Overall Rating
4.7

Key Statistics

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

Why We Like Them

Many individuals prefer adopting young pets to grow alongside their families. While puppies and kittens are undeniably adorable, the responsibilities that come with owning a young pet can be daunting at first. Alongside implementing a good training plan, it’s essential to find a pet insurance carrier that offers easy and convenient coverage for these young pets.

Lemonade Pet Insurance combines reasonable premiums with top-notch features. Their policyholders benefit from a technologically advanced, user-friendly mobile application, along with a highly rated customer service team. Moreover, Lemonade’s average rates of $18 for cats and $35 for dogs won’t significantly impact your finances.

For owners of young pets, Lemonade Pet Insurance stands out above the rest in its field.

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.

Best For New Pet Owners

Overall Rating
4.6

Key Statistics

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

Why We Like Them

New pet owners should prioritize selecting a pet insurance company with a solid reputation for exceptional service and a strong commitment to advocating for animal health, such as ASPCA.

While ASPCA’s premiums may be slightly higher than others in certain states like Colorado, with dog insurance averaging around $83 per month and cat insurance at approximately $39 monthly, the benefits outweigh the costs. Notably, ASPCA imposes no age limit on pets, ensuring that senior animals can be insured regardless of their age, which is a significant advantage.

ASPCA also offers additional coverage in certain areas, such as alternative therapies and behavioral issues, which can be troublesome for some pets. These additional features further enhance the value of ASPCA’s pet insurance policies.

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.

Best For Cat Owners

Overall Rating
4.7

Key Statistics

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

Why We Like Them

Cat owners in Colorado seeking insurance coverage for their beloved feline companions may find Embrace Pet Insurance worth considering. Embrace offers affordable rates for cat insurance, with an average premium of just $23.71 per month.

While many pet insurance carriers support local animal charities in their coverage areas, Embrace Pet Insurance stands out by donating $2 of each policy sold to animal causes, such as shelters and low-cost spaying and neutering programs.

Additionally, Embrace serves as the pet insurance partner for several prominent home and auto insurance companies like USAA, GEICO, and Allstate, further solidifying its reputation and reliability in the industry.

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
8/10 Payouts
9/10 Coverage Level

Why We Like Them

Many pet owners seek to provide their animal companions with pet insurance protection to avoid making life or death decisions for their pets based on the cost of life-saving procedures.

While many assume that pet insurance coverage is expensive, Lemonade Pet Insurance rates demonstrate that protecting your pets doesn’t have to break the bank. For instance, cat owners pay an average of about $18 monthly, while dog owners pay approximately $35 per month.

Lemonade Pet Insurance offers various discounts, including the option to bundle coverage and pets, which can reduce premiums by as much as 15%. Bundling makes pet insurance even more affordable. Additionally, Lemonade provides a user-friendly mobile app that assists policyholders in managing their policies.

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 Dog Breed

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

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 — Accidental-Only Coverage

Insurance Provider Average Monthly Cost
Lemonade $27.00
TrustedPals $33.00
Figo $39.00
Pets Best $32.00
ASPCA $54.00

Average Cost of Pet Insurance In Colorado — Comprehensive Coverage

Insurance Provider Average Monthly Cost
Lemonade $29
Pets Best $35
Trusted Pals $36
FIGO $42
ASPCA $56

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

Here are four important steps to follow during the pet insurance buying process:

Gather all relevant information before beginning your research into pet insurance companies. This includes details such as the type of pet (i.e., cat or dog), breed, age, medical history, and any documentation related to your pet’s lineage.

1

Calculate the appropriate coverage and deductible amounts for you and your pet.

2

Compare quotes from at least three pet insurance companies.

3

Narrow down your choices to three by eliminating two options. Then, submit an application, purchase a policy, and inform your veterinarian about the new pet insurance policy.

4

Things That Have An Impact On The Cost Of A Pet Insurance Policy In Colorado

Some pet owners mistakenly believe that pet insurance premiums are determined by only one or two factors. However, several variables influence the rates for pet coverage. These factors include:

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

When you’ve completed your research and compared pet insurance carriers, it’s time to make a purchase. It’s important to note that the type of pet you own significantly impacts the cost of monthly premiums. On average, dog owners will pay two to three times more than cat owners, primarily because dogs are more prone to accidents and illnesses due to spending more time outdoors.

Breed

The breed of your pet also plays a crucial role in the cost of pet health insurance. While many dog breeds may not result in significant premium differences, certain breeds are considered high risk. For example, breeds like bulldogs and boxers have a predisposition to sinus problems and skin issues, leading to higher insurance costs.

Age

Your pet’s age is another factor in the quotes you receive from various pet insurance carriers. Some companies maintain affordable premiums regardless of your pet’s age, while others may decline coverage if your pet is considered too old according to their criteria. Therefore, if you’re a senior pet owner, it’s essential to shop around for the best pet insurance for older pets.

Insurance Type

Typically, you’ll have two options when purchasing a pet insurance policy: Accident-only or accident and illness coverage. Both types of policies provide protection for your pet and your finances when your pet requires medical care. A comprehensive policy that covers both accidents and illnesses will generally cost more than accident-only coverage. When deciding between the two, consider whether the added coverage is worth the cost in the long run.

Location

While there isn’t a significant difference in the cost of pet insurance from city to city, certain areas within a state may be deemed high risk due to a higher number of claims. If you reside in one of these areas, your pet insurance premiums may be higher.

How To Find The Best Pet Insurance Company For You

Selecting pet insurance mirrors the process of buying health or life insurance for yourself. Comparing rates is essential, but before delving into that aspect of your research, it’s vital to understand the key features crucial in pet insurance coverage.

Many pet insurance providers offer coverage solely for accidents, excluding illnesses. Alternatively, some companies provide accident and forgiveness plans. Both options have their advantages, and the most suitable one depends on your and your pet’s needs.

For instance, young pets are less likely to develop age-related illnesses common in older pets. In such cases, accident-only coverage is often preferable. Conversely, if your pet belongs to a breed predisposed to certain health conditions, a comprehensive plan may offer more benefits than accident-only coverage.

Another factor to consider is the waiting period before insurance benefits take effect. Different pet insurance companies impose varying waiting periods for illnesses and accidents. It’s crucial to be aware of these details beforehand, so conducting research before purchasing a policy is advisable to determine the best fit for your pet.

Pet Insurance Discounts In Colorado

Like other forms of insurance, the cost of pet insurance can vary based on your location. One way to reduce premium costs is by taking advantage of discounts offered by pet insurance companies. However, not all insurers offer the same discounts, so it’s beneficial to compare and contrast different insurers to identify available discounts. Consider exploring the following options:

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

FAQs

Do all vets take pet insurance in Colorado?

You can expect veterinarians in Colorado to accept pet health insurance, as the usual process involves paying for medical expenses upfront and then seeking reimbursement from the insurer.

How much is pet insurance in Colorado?

Cat owners in Colorado typically enjoy lower costs for pet insurance coverage compared to dog owners, a trend that extends nationwide. On average, a cat insurance policy in Colorado carries a monthly premium of $18, while dog insurance tends to be around $35 per month.

Legally, am I required to insure my pet in Colorado?

No, having pet insurance is not a legal requirement, but it is strongly recommended.

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