Best Pet Insurance in Colorado (2023)

Colorado is one of the most pet-friendly states in the entire country, and you have numerous pet insurance companies to choose from. Options are great, but they make your decision more difficult.

We’ve compared the best pet insurance companies based on service offerings, price, and value to help you choose the best policy for you and your pet. For Colorado providers, we used standard features: a $5,000 coverage limit, a 20% coinsurance rate, and a modest $250 deductible. Keep in mind that your numbers can vary.

Below are our top three choices for pet insurance providers nationwide based on the quality of the coverage you get for the money, the overall price, customer service, and other factors.

9 Best Pet Insurance Companies in Colorado

Below is a list of what we found to be the best pet insurance companies available in Colorado. We’ll include more information about what these companies offer and why we recommend them in the table below and the sections that follow. 

• Lemonade: Best Overall 
• Spot: Most Customizable Plans
• Wagmo: Best for Wellness Coverage
• Embrace: Most Affordable
• Healthy Paws: Best for Unlimited Annual Coverage
• Pawp: Best for Multi-Pet Enrollment
• Figo: Shortest Waiting Periods
• Fetch by the Dodo: Best for Vet Therapy Coverage
• Trupanion: Most Flexible Deductibles

Compare Pet Insurance in Colorado

The table below offers a quick look at how Colorado’s top pet insurance companies compare. The monthly premium estimates are averaged based on typical pricing for a single dog — a mixed breed of around 60 pounds and under a year old — and a single cat — a mixed breed weighing in at around 10 pounds and under a year old. Your premiums, deductibles, and other costs can vary based on your pet’s size, breed, age, risk of hereditary conditions, and more.

Provider	Monthly Premiums	Deductible	Reimbursement Rates	Annual Limits	Coinsurance	BBB Rating *
Lemonade	$15 to $50	$100, $250, or $500	60%, 70%, 80%, or 90% (based on deductible)	$5,000, $10,000, $20,000, $50,000, or $100,000	30%, 20%, or 10%	Not rated
Spot	$15 to $25	$100, $250, $500, $750, or $1,000	70%, 80%, or 90%	$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited	30%, 20%, or 10%	A
Wagmo	$20 to $59	$250, $500, or $1,000	90% or 100%	$5,000, $10,000, or unlimited	10% or 0%	B-
Embrace	$25 to $55	$200, $300, $500, $750, or $1,000	70%, 80%, or 90%	$5,000, $8,000, $10,000, $15,000, or $30,000	30%, 20%, or 10%	A+
Healthy Paws	$30 to $65	$250 or $500	70% or 80%	Unlimited	30% or 20%	A
Pawp	$24	N/A	N/A	$3,000	N/A	NR
Figo	$15 to $74	$100 to $750	70%, 80%, 90%, or 100%	$5,000, $10,000, or unlimited	30%, 20%, 10%, or 0%	B+
Fetch by the Dodo	$35 to $45	$250 to $1,000 (in $50 increments)	70%, 80%, or 90%	$5,000, $10,000, $15,000, or unlimited	30%, 20%, or 10%	A+
Trupanion	$47 to $140	Up to $1,000 with a high degree of customization	Up to 100%	Unlimited	10%	N/A

Lemonade: Best Overall

Why We Chose Lemonade Pet Insurance

Lemonade is our top pick for pet insurance for Colorado residents. The company has a straightforward claims process that lets you file for reimbursement online. The company also offers customization options for deductibles, payout rates, and annual coverage limits.

Colorado residents looking for coverage specific to puppies and kittens will also find what they’re looking for in Lemonade’s plan options. It offers affordable coverage for younger pets.

Lemonade doesn’t have local agents available in Colorado, so it’s not the best option if you’re looking for face-to-face interaction with an agent. However, the company is trustworthy and has a great reputation, and its online system makes getting coverage a breeze.

Lemonade Pet Insurance Cost and Coverage

Lemonade is well-known in the pet insurance industry for having fair pricing due to the savings afforded by not having a network of physical locations or local agents. Monthly premiums average about $32.50 and typically fall between $15 and $50, depending on the coverage you need.

Cost and Coverage Details

Here are some key aspects of the coverage options offered by Lemonade:

• Monthly premiums: $15 to $50
• Reimbursement rates: 60%, 70%, 80%, or 90%
• Coinsurance: 30%, 20%, or 10%
• Annual payout limits: $5,000, $10,000, $20,000, $50,000, or $100,000
• Deductibles: $100, $250, or $500

Learn more: Read our full Lemonade pet insurance review.

Get a quote: You can get a free quote from Lemonade to compare pricing if you think this company might be a good option for you and your pet.

Spot: Most Customizable Plans

Why We Chose Spot Pet Insurance

We chose Spot Pet Insurance primarily because of the customization options available for coverage. This company offers a massive range of deductibles and annual coverage limits—all the way up to unlimited coverage. Spot maintains below-average monthly premiums for all of its plans, which also include unique coverage options, such as prescription pet food and behavioral treatments.

Spot is also one of the few companies with no age restrictions, so Colorado homeowners with older pets can still get coverage for their furry friends.

Spot Pet Insurance Cost and Coverage

Spot’s monthly premiums are well below the industry average of around $55 for dogs and $35 for cats, making it one of the more affordable options in the industry. Despite the low cost, coverage is broad and includes coverage that most other plans don’t, including prescription pet food. The customization options for deductibles, payouts, and annual limits are some of the best in the industry.

Cost and Coverage Details

Here’s a quick look at Spot’s coverage and payment details:

• Monthly premiums: $15 to $25
• Reimbursement rates: 70%, 80%, or 90%
• Coinsurance: 30%, 20%, or 10%
• Annual payout limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited
• Deductibles: $100, $250, $500, $750, or $1,000

Get a quote: Think Spot Pet Insurance might be for you? You can get a free quote from Spot to see what coverage will cost for your pet.

Wagmo: Best for Wellness Coverage

Why We Chose Wagmo Pet Insurance

Wagmo is the best pet insurance option if you want coverage for sick visits and preventative care. Not only does the company have wellness-only plans, but many of its coverage options also include wellness visits. These can be especially useful and worthwhile if you’re getting coverage for puppies and kittens that typically need a few planned well checkups.

Wagmo offers high reimbursement rates, but the plans have a lifetime limit. That means you might want to prioritize what claims you submit to ensure emergency coverage lasts throughout your pet’s lifetime.

Wagmo Pet Insurance Cost and Coverage

Wagmo’s plans customize monthly premiums, deductibles, and per-incident payouts. Although the company is more expensive than some competitors, Wagmo’s unlimited coverage option is a great value, as there is no per-incident payout limit.

Wagmo doesn’t drop coverage as your pet gets older, and there is no age restriction for getting coverage. That means it can be a great provider for older pets. The wellness coverage available also makes this an outstanding option for younger pets.

Cost and Coverage Details

Here’s a snapshot of what you can expect to pay for different coverage from Wagmo:

• Monthly premiums: $20 to $59
• Reimbursement rates: 90% or 100%
• Coinsurance: 10% or 0%
• Annual payout limits: $5,000, $10,000, or unlimited
• Deductibles: $250, $500, or $1,000

Get a quote: You can get a free quote from Wagmo for a wellness or full insurance plan if you think this is the right company.

Embrace: Most Affordable

Why We Chose Embrace Pet Insurance

Embrace is our top pick for affordability, especially for Colorado pet parents looking for insurance that covers accidents and major health issues. The monthly premiums are around average. However, every year you don’t file a claim, your annual deductible drops by $50. The total deductible can even go down to $0.

 Embrace is an outstanding option for accident-only plans, especially if you’re looking for coverage for a puppy or kitten with many years ahead of them.

Embrace’s coverage kicks in within 48 hours, faster than most competitors. Plus, coverage is more comprehensive than most competitors, including diagnostic testing, blood tests, exam fees, specialist visits, and dental care.

Embrace Pet Insurance Cost and Coverage

Embrace Pet Insurance is about average in cost, but you can get your annual deductible to drop by $50 per year for every year you go without a claim. You can bring your annual total down to $0 per year if you save coverage for serious conditions or emergencies that pop up.

Embrace’s coverage is excellent and includes many things that other plans won’t, like coverage for prescription food, cancer treatments, breed-specific issues, and hereditary conditions like hip dysplasia.

Cost and Coverage Details

Here’s a look at coverage costs and options from Embrace:

• Monthly premiums: $25 to $55
• Reimbursement rates: 70%, 80%, or 90%
• Coinsurance: 30%, 20%, or 10%
• Annual payout limits: $5,000, $8,000, $10,000, $15,000, or $30,000
• Deductibles: $200, $300, $500, $750, or $1,000

Get a quote: You can get a pet insurance quote from Embrace if you want to see what your coverage will cost in the Centennial State.

Healthy Paws: Best for Unlimited Annual Coverage

Why We Chose Healthy Paws Pet Insurance

Healthy Paws is our top pick for Colorado residents looking for unlimited coverage. Every plan from this provider includes unlimited annual payouts, so although the company’s monthly premiums tend to be higher, we feel the higher cost is worthwhile. This is especially true for pet owners who want total peace of mind.

Coverage from Healthy Paws kicks in within two days, faster than many competitors. This company also generally has positive customer reviews and maintains an A rating with the BBB. That helps you rest assured that your unlimited coverage will be available to you when you need it.

Healthy Paws Pet Insurance Cost and Coverage

The coverage plans from Healthy Paws are great if you’re looking for unlimited coverage for maximum peace of mind for accidents and unexpected illnesses. Unfortunately, none of the plans include wellness coverage, so some Colorado residents supplement with a wellness-only plan from another company for total coverage.

Cost and Coverage Details

Here’s a snapshot of what you can expect to pay with Healthy Paws:

• Monthly premiums: $30 to $65
• Reimbursement rates: 70% or 80%
• Coinsurance: 30% or 20%
• Annual payout limits: Unlimited
• Deductibles: $250 or $500

Get a quote: You can get a free quote for coverage from Healthy Paws to see if its unlimited plans are a good option for your pet.

Pawp Pet Insurance: Best for Multi-Pet Coverage

Why We Chose Pawp Pet Insurance

Pawp is different from your standard pet insurance company. Rather than providing typical insurance coverage, Pawp charges a monthly premium, then provides in-house health care both in-person and online for Colorado residents. If you don’t already have a vet or are looking for a new one, this feature may make Pawp more attractive.

We chose Pawp primarily for its multi-pet discounts. For one low premium, Pawp will cover vet visits for up to six pets. While emergency visits and medications aren’t covered, Pawp has its own pharmacy that provides medications and prescription pet foods at a reduced cost.

Pawp Pet Insurance Cost and Coverage

Pawp makes covering your vet visits simple by providing all of its coverage at one simple, low monthly rate: $24. There are no deductibles or payout percentages to worry about, although the coverage is not all-inclusive. You may want an additional pet insurance policy to cover major medical expenses.

For the coverage you get, though, Pawp provides outstanding value and peace of mind that your vet visit expenses won’t get out of hand.

Cost and Coverage Details

Here are some key aspects of the monthly costs and options offered by Pawp:

• Monthly premiums: $24
• Reimbursement rates: N/A
• Coinsurance: N/A
• Annual payout limits: $3,000
• Deductibles: $100, $200, or $500

Get a quote: Pawp provides free coverage estimates to all customers so you can see what you’ll pay and the coverage you’ll get for your money before committing to this provider.

Figo: Shortest Waiting Periods

Why We Chose Figo Pet Insurance

Figo is our top pick for pet owners in Colorado who are looking for coverage that kicks in quickly. With a 24-hour waiting period, you’ll get insurance faster than with any other provider.

Figo is also one of the few companies that provide a 100% coverage option, which means you’ll pay nothing for vet expenses once your deductible is reached. The company also offers some customization options for deductibles and coinsurance that let you pay what you can and opt for the coverage you need.

With monthly premiums going as low as $15, Figo can also be a great budget option.

Figo Pet Insurance Cost and Coverage

Whether Figo is a good deal depends on the coverage you’re seeking. The most affordable plans come with higher-than-normal deductibles and below-average payout rates, but the best plans include 100% payout rates for maximum peace of mind.

Figo includes coverage for some pre-existing conditions—those that are curable. All plans include wellness visit coverage, which can be a pro or con, depending on what you’re looking for.

Cost and Coverage Details

Here are some key aspects of the coverage options offered by Figo:

• Monthly premiums: $15 to $74
• Reimbursement rates: 70%, 80%, 90%, or 100%
• Coinsurance: 30%, 20%, 10%, or 0%
• Annual payout limits: $5,000, $10,000, or unlimited
• Deductibles: $100 to $750, with a high degree of customization within that range

Get a quote: You can get a free estimate from Figo to compare to other companies. Just be sure to consider the value of the coverage you get and the overall price.

Fetch Pet Insurance: Best for Vet Therapy Coverage

Why We Chose Fetch Pet Insurance

In a state like Colorado, you’re more likely to see pet owners who care about their animals as much as they do their family members. For those Coloradans, Fetch Pet Insurance is likely the best option.

This company goes above and beyond to provide extensive and all-inclusive care for pets. Coverage includes uncommonly covered items, such as physical therapy, specialist visits, dental and gum care, acupuncture, chiropractic care, and care for some behavioral issues. The coverage is more expensive than most competitors, but you get access to vet care that helps improve your pet’s life, not just maintain it.

Fetch Pet Insurance Cost and Coverage

Fetch’s premiums are higher than those you’ll see from competitors, but the quality of the coverage you get is outstanding. You can customize your deductibles, annual coverage caps, and payout rates to get the best fit for you and your pet.

Although the plans are expensive, Fetch has a reputation for outstanding customer service, so you can rest assured that you’ll get coverage when you expect it.

Cost and Coverage Details

Here’s a quick look at what Fetch has to offer:

• Monthly premiums: $35 to $45
• Reimbursement rates: 70%, 80%, or 90%
• Coinsurance: 30%, 20%, or 10%
• Annual payout limits: $5,000, $10,000, $15,000, or unlimited
• Deductibles: $250 to $1,000, with options at every $50 interval

Get a quote: You can get a free quote from Fetch to see if the coverage meets your pet’s needs.

Trupanion: Most Flexible Deductibles

Why We Chose Trupanion Pet Insurance

Trupanion is our top choice for customers looking for the most customizable deductibles. While most companies force you to choose from one of a few options, Trupanion offers any amount from $0 up to $1,000. It is one of the very few companies with deductibles as low as $0, although those plans come at more than double the industry’s average premium.

Trupanion is unique in that it has per-condition coverage limits rather than annual ones. If you know your pet has ongoing issues with a specific condition, then you might not benefit as much from this company’s coverage as you would from others. However, it can be great for keeping a set price for all vet coverage with $0 deductibles.

Trupanion Pet Insurance Cost and Coverage

Trupanion is more expensive than most providers, even for its more affordable options. You also won’t get coverage for wellness visits or medications, which can be unappealing for some pet owners.

However, Trupanion uses a unique coverage option that offers per-condition limits rather than annual limits. If your pet has ongoing issues with a single medical problem, that might not benefit you. However, accident-prone pets will see above-average coverage with Trupanion, as will pets that experience various health issues. Plus, the annual coverage is unlimited, which is appealing.

Cost and Coverage Details

• Monthly premiums: $47 to $140
• Reimbursement rates: 90%
• Coinsurance: 10%
• Annual payout limits: Unlimited
• Deductibles: From $0 to $1,000, with a high degree of customization

Get a quote: You can get a free quote from Trupanion to see if the coverage you get for the price is worth it for you.

What To Look For in Pet Insurance

No matter which company you choose, it’s important to examine your plan options carefully and select one that meets your specific needs and expectations. Here are a few of the most important factors to consider when choosing a pet insurer in Colorado.

Affordability

Of course, the price will always be an important factor when deciding on your insurer. But it’s not the only one. We recommend looking at the premiums from different companies while keeping quality and service in mind when choosing the best one for you.

Breadth of Coverage

Not all plans and companies cover the same things. Make sure you understand if a plan covers only emergencies or includes wellness visits, vaccinations, and medications.

When you’re insuring your pet, you’ll need to choose between three plans:

• Accident-only pet insurance
• Accident-and-illness pet insurance, and
• Comprehensive coverage pet insurance.

Accident-only pet insurance is, as the name implies, only good for covering accidents. Coverage can include broken bones, lacerations, poisoning from ingestion, and other major injuries that occur because of accidents.

Accident-and-illness plans include everything in the accident-only plans but also provide illness coverage. You can count on these plans to cover things like bacterial infections, routine sick visits, and procedures like surgeries and lab tests.

Comprehensive pet insurance provides the best coverage, but it comes at the highest cost. In addition to everything in the previous two plan options, comprehensive plans will cover wellness visits, routine check-ups, and vaccinations. Some of the best comprehensive plans will also cover physical therapy, neutering, spaying, chiropractic care, and acupuncture.

Coverage Limits

Most insurance policies in Colorado include a coverage limit, the maximum amount your insurer will pay out. Higher limits are, of course, better, but they also tend to come with higher premiums.

Deductible

Your deductible is the amount you’ll pay out-of-pocket when you file a claim before coverage kicks in to cover the rest. Lower deductibles lead to higher premiums, but they could save you more if you frequent the vet.

Ease of Use

We recommend considering how easy the insurer makes it to file claims and get reimbursed for vet expenses. Some companies have mobile apps for a more seamless user experience.

Overall Customer Service

Choosing a company that provides good customer service can lead to a better overall experience with your insurance company.

Reimbursement Rate

Even after your deductible is met, some insurers don’t cover the full amount on your vet bills. The reimbursement rate tells you how much of the total you’ll still be on the hook for at that point. This out-of-pocket cost is called your coinsurance.

Colorado Pet Laws

There are a handful of pet-specific laws in some of the major cities in Colorado. Take them into consideration when choosing pet health insurance.

Denver Pet Laws

• All dog bites on public or private property may be subject to legal proceedings that could result in fines and euthanization.
• All dogs and cats must be fixed or spayed by 6 months old.
• All dogs and cats must be registered with the city within 30 days of entering city limits.
• Some dog breeds are restricted in the city. These include pit bulls and Staffordshire terriers. Dog owners can own these breeds but must get a permit from the Denver Animal Protection agency.
• All dogs must have a rabies vaccination and proof of that vaccination after 6 months of age.

Colorado Springs Pet Laws

• There is a limit to the number of dogs and cats over 4 months old on your property at any given time. The limit is four dogs and four cats, for a total of eight animals. This allows breeding but prevents kennels in residentially-zoned properties.
• All dogs must have a rabies vaccination and proof of that vaccination. Licenses for dogs can be obtained from the Humane Society of the Pikes Peak Region.

Aurora Pet Laws

• All dogs, cats, and rabbits over 6 months must be neutered or spayed. Owners must be able to provide proof of neutering or spaying.
• Dogs, cats, rabbits, and ferrets are only allowed in limited numbers. You may not have more than three dogs, five cats, two rabbits, or three ferrets at a time.
• As of 2021, all breed restrictions were lifted, possibly due to the efforts of the ASPCA. There are no city-wide bans on pit bulls, Staffordshire terriers, or other breeds.

Final Thoughts

Lemonade is our top pick for pet insurance in Colorado. The company provides a unique, online-only pet insurance plan that is convenient and makes it easy to file claims and get reimbursed. The plans are affordable and provide a nice range of customization options.

However, Lemonade might not be the best option for all pet owners, and all of the providers above are excellent options for covering your pet’s medical needs. These providers offer different deductibles, payout rates, coverage options, and annual limits, so you’re sure to find a plan from one that suits your budget and provides the peace of mind you’re looking for in pet insurance.

We strongly recommend getting quotes from a handful of the companies above and comparing them based on the up-front cost, long-term cost, and coverage value. This will help you find the best option for you and your pet.

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