4 Best Pet Insurance In Colorado

Best pet insurance companies in Colorado

Do you wish to move to Colorado with your pets or are you just curious about the best pet insurance in Colorado? Then you should read this article.

The best pet insurance in Colorado is reviewed in this article, along with how it works over there, including their pet laws. 

Furthermore, you will understand how to find Colorado pet insurance coverage in the most beneficial way.

Moreover, we have compiled some crucial data that Texas pet owners will require in order to properly care for their puppies.

So, without much ado let’s get into details about the best pet insurance in Colorado 

Is It Worth It To Have Pet Insurance In Colorado? 

Four out of five pet owners out of more than 20,000 could not afford a $5,000 unexpected veterinary bill without pet insurance.

In light of the fact that 49.70% of New York families have pets, pet insurance is a fantastic instrument for mitigating financial risk.

Similar to vehicle insurance, you have it but hope you don’t use it. However, if an unexpected disaster does occur, you will be compensated for 70% to 90% of the expenditures (depending on your plan). 

Having New York pet insurance will assist ensure that your pup receives the care they require. It enables you to put more emphasis on doing the right thing than on costs.

Aside from that, it enables you to give your pet treatments and medications without taking a huge financial risk.

Also, any authorized New York animal hospital or veterinarian clinic will accept pet insurance.

You can use your plan at any veterinarian in New York since pet insurance reimburses you rather than paying the veterinarian directly.

Pet insurance programs can assist New York residents in lowering out-of-pocket expenses for unforeseen accidents or illnesses.

Regardless of whether your veterinarian is in New York City, Rochester, Yonkers, or anywhere in between.

Now you know the worth, let’s learn about the best pet insurance companies in Colorado.

Continue reading to find out how pet insurance in Colorado works.

How Does Pet Insurance In Colorado Work?

Pet insurance in Colorado works like every other health insurance for Canadians in which you pay a fee in installments monthly.

Whereby the insurance company offers a variety of insurance packages with each one having different levels of packages.

Then, whenever your pup gets ill suddenly or injured the insurance will cover part of the maximum percentage or all the bills.

With this, you can ensure that your pet will have access to a good quality of care while also limiting how much you will spend out of your pocket.

However, the premium you pay is usually affected by some factors which are the type of animal, breed, age, gender, and location as well as the amount of coverage.

Remember that just like other insurance policies, pet insurance in Colorado does include a waiting period as well.

Now you know how it works, below are some of the best pet insurance in Colorado for you and your pup.

4 Best Pet Insurance Companies In Colorado 

The state of Colorado takes pride in having top-notch pet health insurance. 

Continue reading to learn more about what each policy covers (and doesn’t), the typical monthly cost, potential add-ons, and a few pros and cons of each provider. 

We’ll also go through the different deductible alternatives, any potential discounts, and any yearly coverage caps that might be present.

1. Lemonade Pet Insurance.


Lemonade provides a variety of insurance choices, in addition to pet insurance, Lemonade also offers home, renters, and auto insurance.

Basically, they offer a variety of coverage limits, reimbursement and deductibles, and discount options. 

Also, they offer an inexpensive boost coverage and several ads-on as a result, making it a more comprehensive coverage for your animal.

Lemonade is unique among insurance providers in that it isn’t just interested in making money.

Instead, the cost of claims is covered by premiums. Any money left over at the end of the year is donated to its clients’ favorite charities.

Lemonade has 3 different types of waiting periods; 2 day waiting period for accidents, 14 days for illnesses, and 6 months for cruciate ligament injuries.

How Much Does Lemonade Pet Insurance In Colorado Cost?

A cat typically costs $15 per month, whereas a dog typically costs $37 per month. 

For an additional fee, you can also choose to add a preventative package to your coverage. 

It starts at $10 a month for cats and goes up to $15 a month if you choose the highest level.

Depending on the level of coverage, Lemonade may offer annual deductibles between $100 to $500 and $5,000 coverage up to $100,000.

Remember that species, gender, age, and location will all affect the price, so keep that in mind.


  • Offers a 48 hours waiting period for accidents 
  • No age limit for coverage 
  • Optional wellness plan available 
  • Multiple discount programs 
  • Fast processing of claims
  • Multiple policies and riders available 
  • Offers a multi-pet discount of 10%


  • Don’t cover behavioral treatments
  • No unlimited benefits 
  • No money-back guarantee 

2. Spot Pet Insurance.


Spot Pet Insurance is an easy method to guarantee that your pet gets the necessary medical treatment when it’s most required. 

They’re easy to use; all you have to do is visit your veterinarian, submit a claim following treatment, and wait for payment. 

Additionally, you may tailor the policy to match the requirements of your pet and your budget by selecting the level of coverage you choose.

How Much Does Spot Pet Insurance In Colorado Cost?

The average monthly cost for dogs is about $40, and the average monthly cost for cats is about $22. 

The pet insurance company Crum & Forster underwrites Spot and Spot’s insurance plan is customizable with an annual maximum of $2,500. 

Additionally, it offers several preventive health packages for an additional cost and a 10% multi-pet discount on animals added to the insurance. 

Plans from Spot are also available without a yearly cap.


  • No upper age limit 
  • 30 days money back guarantee 
  • Covers the veterinarian office visit fee for illness and accidents.
  • Optional wellness plan available
  • Has a 24/7 pet telehealth line
  • A low $100 deductible is available
  • Its standard plan includes microchipping.
  • Has option for unlimited annual coverage 


  • Doesn’t cover pets under eight weeks old.
  • The waiting period for accidents is 14 days

3. ASPCA Pet Health Insurance.


ASPCA pet health insurance is one of the best due to its partnership with the American Society for the Prevention of Cruelty to Animals (ASPCA).

They are highly recommended, it backs up its products and also offers a 30days money-back guarantee.

In addition, ASPCA does not demand prior exams before enrolling, just like some other pet health insurance companies.

Also, other pet insurance companies do not cover pre-existing conditions; however, ASPCA handles pre-existing conditions that are curable.

This means that if your animal has a curable condition and is free from the treatment and symptoms for at least 180 days it can be covered.

How Much Does ASPCA Pet Insurance In Colorado Cost?

We discovered that the ASPCA’s coverage tends to be a little more expensive than that of other pet insurance companies, with monthly costs for dogs and cats being $48 and $30, respectively.

Depending on the plan you choose, the additional monthly cost for your wellness benefits will range from $10 to $25.


  • Covers horses in addition to dogs and cats.
  • No upper age limit 
  • Covered stem cell therapy and microchipping.
  • Includes coverage for Exam fees
  • Offers a multi-pet discount of 10%
  • Has a 24/7 telehealth line


  • Doesn’t offer unlimited annual coverage 
  • Has a 15-day waiting period for accidents

4. Embrace Pet Insurance.


Embrace pet insurance provides you with a variety of options for coverage, reimbursement, and deductibles within your budget.

Also, you can lower your premium with a diminishing deductible that reduces it by $50 each year you don’t have a claim paid

Their coverage includes accidents, illnesses, and other conditions. In addition, they also offer an accident-only policy.

However, when you buy an accident-only policy you won’t be covered for conditions included in accident and illness plans.

Embrace is best for older pets because they are willing to offer coverage for animals that are up to the age of 15.

In addition, all of their policies come with a 30-day money-back guarantee or a prorated refund.

How Much Does Embrace Pet Insurance In Colorado Cost?

The fact that Embrace tailors your coverage based on your pet is one feature that particularly caught our attention. 

Depending on the age, breed, and species of the pet, different levels of coverage are offered. For dogs, the average monthly cost is $35, and for cats, it’s $18.


  • Offers employers and military benefits 
  • Has a 24/7 pet telehealth line.
  • 2 days waiting period for an accident
  • Covers the veterinarian office visit fee for illness and accidents.
  • Provides an excellent range of options for annual coverage, reimbursement, and deductibles.


  • No unlimited benefits 
  • Strict pre-existing condition rules

Read on to see most of the factors to consider when looking for pet insurance in Colorado.

How to Find the Best Pet Insurance in Colorado 

Comparing pet insurance quotes from many insurance providers is the easiest approach to discovering a reasonable price for coverage.

However, pet insurance policies cover more than just fees and coverage. 

Some insurance companies offer additional features and incentives to help with pet care. 

Examining these advantages as a pet owner will help you identify the plan that best suits your requirements.

1. Confirm that the pet insurance covers vet exam fees.

Some pet insurance companies don’t cover the consultation fee for the diagnostic veterinary visit; they just cover the cost of the treatment.

Look for companies that cover exam fees.

2. Check for multi-pet discounts.

There are some insurance companies that offer multi-pet discounts. For instance, Spot gives customers who insure multiple pets a 10% discount.

In addition, insurance companies also offer extra discounts like military or a claim-free discount.

3. Confirm the availability of 24/7 vet helplines.

If for instance your cat or dog mistakenly ate a poisonous plant on a Sunday afternoon, your vet might not be able to help you through the process.

This is where your vet helpline comes in and not all pet insurance companies offer a 24/7 vet helpline to answer questions.

Embrace and Spot pet insurance companies offer a 24/7 vet helpline.

So, selecting an insurance company that offers such will put your mind at ease.

4. Consider the breed and age of your pet.

Some pet insurance carriers have exclusions when it comes to breeds because of the genetic conditions they are inclined to.

Also, some carriers have age limits they can cover especially older animals because they are more expensive.

So, if you have a pup with a genetic condition, try and look for carriers that don’t exclude the condition of your pup as well as those without an age limit.

5. Ensure that the waiting period for coverage is not long. 

There is a waiting period after purchasing a pet insurance policy before coverage kicks in. 

The waiting period is the same for all pet insurance providers but periods might be different.

For accident claims, one insurance company might have a one-day waiting time, while another might have a 15-day waiting period.

A shorter waiting period is important because you never know when something will happen to your pet.

Watch out for lengthy waiting times for certain conditions like hip dysplasia.

6. Look for ways to save more. 

Some insurance companies provide discounts for owning many pets and vanishing deductibles for healthy pets as measures to help you save money on coverage. 

When you apply for coverage, inquire about any savings options offered by each pet insurance provider.

Now you know about the factors involved in finding a pet insurance company, here are other things you need to know.

Other Information For Pet Owners In Colorado

Colorado has laws governing pet ownership at the state and local levels. For instance, rabies vaccines are decided upon by municipal governments throughout the state. 

If the public’s health and safety are in danger, county or district health officials may mandate that all dogs, cats, and other pets have rabies vaccinations.

Let’s quickly review Colorado’s current pet laws as well as some entertaining pet-friendly locations in the state.

Pet Laws In Colorado 

Colorado has a number of rules in place to safeguard both animals and residents. Here are a few key laws to note.

  • Before a pet is put up for adoption or is otherwise disposed of, it must be kept in the care of a licensed animal shelter for a minimum of five days.
  • Animals must always be licensed and under control, according to county regulations.
  • Adopted dogs and cats from Colorado’s animal shelters are regarded as state pets.
  • Any owner of a cat or dog who does not have the required vaccinations, as determined essential by the county board of health, cannot let the animal run at large.

Activities You Can Do In Colorado With Your Pet

Colorado has a lot to offer you and your pet, whether you choose to go hiking on one of the many trails or go whitewater rafting.

Dogs can now enter many museums, and special excursions like Jeep tours allow you and your pet to enjoy the sites together. 

You can bring your pet to work with you at several IT companies in Denver, which are notably pet-friendly.

In addition, a lot of establishments now let you eat with your dog and dog boutiques are a brand-new trend that is rapidly spreading around the city.

There are several enjoyable activities you can do with your pet in Colorado, regardless of where you reside.

Summary of the Best Pet Insurance in Colorado 


Colorado is somehow an expensive place in the country for pet owners because they regularly spend thousands of dollars annually on veterinary care. 

Pet insurance can help you spend less money while also enabling you to provide for your pet more than you could if you paid for everything out of pocket.

The figures will probably increase along with the expense of living. It is best to obtain pet insurance when your pet is young since you are less likely to have the dreaded “pre-existing conditions” that are the main reason for claim denials.

We hope that this article has given you all the knowledge you need to select the best plan for you and your canine companion.

Frequently Asked Questions 

Do Most Vet In Colorado Accept Pet Insurance?

Pet insurance companies don’t need to have a direct relationship with vets like your health insurance company does.

Since you submit your own claims rather than having the veterinarian handle them for you

This implies that your pet insurance company can work with any licensed veterinarian in the country.

Which Pet Insurance in Colorado Is The Cheapest?

Lemonade and Spot are two of New York City’s most affordable pet insurance companies. 

The zip code, the age, and the breed of your dog or cat, as well as the coverage limits you select, will all affect how much insurance will ultimately cost.

What does pet insurance in Colorado not cover?

Pre-existing conditions that appear before the policy’s effective start date or during the waiting period are typically not covered by pet insurance policies.

For instance, any associated vet costs won’t be paid if your pet fractures a bone while you’re enrolled.

Many organizations do, however, provide coverage for congenital or genetic disorders, such as allergies or hip dysplasia.

As long as the symptoms appear in your pet after the waiting period and the start date of the policy.

Do Pet Insurance Companies Cover For Hip Dysplasia?

Many pet insurance companies cover for hip dysplasia since it’s a hereditary condition.

However, some policies may have extended waiting periods specific to this condition, for example, Lemonade has a 6 months waiting period for cruciate ligament issues.

Do pet insurance companies in Colorado only Cover Dogs and Cats?

Most pet insurance companies only have coverage for cats and dogs but this is not the case for all companies.

Companies like ASPCA have coverage for horses while Nationwide has a policy for birds and exotic animals.

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