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Best Pet Insurance in Colorado of 2024

Lisa Scott

Residents are taking advantage of the pleasant summer weather by hiking, swimming, and camping with their pets. Even your companion will be delighted to join you on these trips. However, you must be aware of the various dangers that your pet will encounter every time they go outside. 

Even though it is not in your ability to keep your pet safe at all times, what are you doing to protect your pets based on what you know about Colorado? Pet insurance is the answer. Hence, in this article, let’s explore the things you need to know about the best pet insurance in Colorado.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is pet insurance worth it in Colorado?

Pet insurance is a good investment as long as you live in Colorado with your pets. Even humans in Colorado who appear to live cautiously still sometimes feel the result of the harsh weather and other issues that accompany it. You can picture how your pet will react to the colder weather in Colorado when the temperature drops below 32 degrees.

Not only that, the presence of mountain lions, bears, and wild dogs can all pose major dangers to you and your canine companion. In addition, Colorado is home to several rattlesnake species, including the Prairie Rattlesnake, Midget Faded Rattlesnake, and Western Massasauga Rattlesnake.

Moreso, it may be difficult to always be present to prevent your pet from running loose in the wild or wooded areas. Even when you take your pets camping, they may want to drink ‘wild’ water, which may contain harmful germs or parasites.

So, with all of these dangers, the greatest thing you can do for your dog is get pet insurance. Since you never know when things will go wrong and your financial stability will be jeopardized, it is critical to plan ahead of time. 

What are the types of pet insurance plans?

Different insurers in Colorado may offer you more than the three most common types of pet insurance. This might be a company’s unique or customized plan. However, there are three primary forms of pet insurance that you may expect from different Colorado pets.

1. Illness Pet Insurance

The illness plan coverage in Colorado will only cover health-related issues involving your pets. It is solely to cover specific illnesses. Therefore, you can get reimbursed for the costs of serious and mild diseases if you have illness coverage. The following are some of the illnesses for which you might be qualified for reimbursement:

  • arthritis
  • cancer
  • digestive problems
  • urinary tract infections
  • hypothyroidism
  • ear infections

2. Accident and Illness Pet Insurance

Accident and illness insurance is meant to cover your pet’s medical issues. It covers situations that arise as a result of an unanticipated emergency, such as a car accident or a sudden illness. Also, if you need coverage for a sick or injured pet, this is the plan to get. It allows you to focus on your pet’s health rather than on expensive veterinary bills.

3. Wellbeing Pet Coverage 

Wellness plans are also known as “preventive plans” because they include annual check-ups with your veterinarian as well as some basic tests. It can assist you in paying for preventative treatment such as dental cleanings, vaccinations, and heartworm testing.

Wellness Coverage reimburses for a variety of routine and preventative care expenses that help keep your pets healthy.

4. Accident-Only

Accident-only pet insurance covers your pet’s medical expenses in the event of an accident. This plan will assist you in caring for your wounded pet without having to worry about the cost. However, it does not cover your pet if it falls unwell. It encompasses injuries and emergencies caused by accidents, such as:

  • torn ligaments
  • bite wounds
  • cuts
  • broken bones
  • swallowed objects
  •  toxic ingestions. 

It also encompasses a variety of accident-related services, such as:

  •  X-rays
  • MRI 
  • Ultrasounds
  • Bloodwork
  • Sutures
  • Medications
  • Hospitalization
  • Surgery

What does pet insurance in Colorado cover and exclude?

In Colorado, comprehensive pet insurance covers accidents, injuries, and illnesses, as well as certain optional coverage. The following is a list of what this form of insurance will cover:

  • Unexpected injuries/accidents
  • Tests/diagnostics
  • Emergency care
  • Surgery
  • Medication
  • Exam fees
  • Chronic Conditions (Toxin Ingestion, Ear Infection Icon, Digestive Issues, Cancer) 
  • Dental Accidents and Illnesses
  • Consultations
  • Unexpected illnesses
  • Procedures & Treatments
  • Follow-Up Care

On the other hand, it excludes:

  •  pre-existing conditions 
  •  Procedures for aesthetic enhancement (declawing, ear cropping, tail docking, etc.)
  • breeding and whelping
  • DNA testing, or cloning 

How much does pet insurance cost in Colorado?

In Colorado, Pet insurance premiums vary depending on the pet’s breed, species, age, and location. Depending on the insurance, the cost of various coverage alternatives may be lower or greater. Let’s look at an example of the cost of pet insurance using the three main elements that can influence the cost.

SpeciesBreedAgePremium
CatDomestic Shorthair3 years old $20-$25 monthly 
DogChihuahua6 months$19 – $59 monthly
DogLabrador Retriever5 years old 45-$55 monthly
CatMaine Coon5 years old $21 – $45 monthly 
Dog Golden Retriever3 years old $35-$45 monthly
CatDomestic Shorthair6 months$15 to $35 monthly
DogMixed Breed1 year old $30-$40 monthly

What are the veterinary costs in Colorado?

The cost of veterinary care in Colorado is slightly greater than the national average. They’re never cheap, and you never see them coming. Hence, they always surprise you with an unfamiliar charge when they come.

Veterinary expenditures for hip dysplasia and cancer, for example, can vary from $5,000 to $10,000. Below are some examples of how much a veterinarian charges for certain ailments.

  • Liver Disease – $2,000 to $5,000
  • Hip Dysplasia – $4,000 to $6,000 per hip
  • Patellar Luxation – $1,500 to $3,000
  • Stomach Ulcers – $1,000 to $7,00
  • Disc Disease – $3,000 to $9,000

How to choose the best pet insurance in Colorado 

The best pet insurance company in Colorado is one that fits your budget, satisfies your coverage requirements, and provides the plan you want. Nevertheless, you may need to do the following in order to find the finest pet insurance provider:

  • Compare plans and prices from top companies by demanding quotes from different insurers.
  • Second, you might ask for recommendations or check consumer evaluations about the services.
  • You may need to speak with a Colorado insurance agent to get the best insurer for your pets.

Note: The breed, age, and zip code of your pets in Colorado should be considered when seeking the best plan (and pricing).


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