The Best Pet Insurance Companies in Colorado (2024)

Lemonade ranks at the top of our list, scoring 4.6 out of 5 stars because of its affordability and technology-focused approach. The company claims you can apply and be approved for coverage in only a few minutes, and that it processes at least one-third of its claims in seconds using artificial intelligence (AI)-based tools.

Lemonade’s base plan includes standard coverage for accidents and illnesses and allows Colorado pet owners to choose from several add-ons for an additional monthly fee. Like other pet insurance companies, Lemonade excludes pre-existing conditions with an exception for situations it considers curable.

Using sample quotes from four different pets, including a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat, we determined the average cost for a Lemonade plan in Colorado is $25 per month. According to additional data we collected on pet ownership costs in the state, including annual veterinary visits, pet emergencies, vaccines and medications, policyholders could save $566 per year with Lemonade coverage.

Here are the average monthly costs for dogs and cats in Colorado with a Lemonade plan:

Lemonade uses a limited base plan and allows pet owners to pick and choose add-ons for customized coverage, including the following options:

• Exam fees: $4–$8 per month
• Dental illness: $13 per month for dogs, not available for cats
• Behavioral conditions: $3–$4 per month
• Physical therapy: $1–$3 per month
• End-of-life remembrance: $2–$4 per month

Pet owners can choose from two optional wellness plans for an additional $18 to $27 per month for dogs and $11 to $18 per month for cats.

Spot gets 4.5 out of 5 stars and provides plans for Colorado pet owners looking for comprehensive coverage at an affordable rate. The base plan includes several features often excluded in other plans, including exam fees, hip dysplasia and preventable illnesses. Plus, you can customize your pet’s plan by choosing from seven coverage limits and five deductibles.

For example, pet owners can combine a low deductible with a high annual coverage limit for lower out-of-pocket veterinary costs. Alternatively, you can opt for a higher deductible and lower coverage limit to save on monthly premiums. Spot customers can also choose between an accident-only and accident and illness plan or select wellness add-ons to enhance coverage based on their pet’s needs.

Pet owners in Colorado pay on average $66 per month for a Spot pet insurance plan, according to our research. When we compared the annual cost of premiums to pet ownership expenses, including vet visits, emergencies, medication and vaccines, we determined policyholders could save $71 per year.

Here are the average monthly costs for dogs and cats in Colorado with a Spot pet insurance plan:

Spot also offers accident-only coverage, which costs $34 for dogs and $22 for cats. Additionally, two wellness plans are available to cover vaccines, dental cleanings and other routine care. The Gold plan is an extra $10 per month and the Platinum plan costs an added $25.

Embrace is a good option for Colorado pet owners looking for ways to save on premiums, earning 4.5 out of 5 stars. Embrace’s base policy includes exam fees and is second only to Spot in customization options, offering five deductibles and five coverage limits — including an unlimited option.

The company offers several discounts, including 10% off for insuring multiple pets, a convenient online claims process and a flexible wellness add-on that can help you manage total pet care costs.

The average cost of an Embrace pet insurance plan in Colorado is $75 per month. When we compared annual premium costs to pet ownership expenses, we determined policyholders could lose $36 per year. However, this number is only an estimate, and pet owners who use their policies more frequently or for large expenses will likely save money.

This table shows the average cost to insure Colorado dogs and cats with an Embrace pet insurance plan:

Embrace also offers flexible wellness rewards with $250, $450 or $650 in annual benefits, costing an extra $18 to $52 per month. You can use these benefits for a variety of services, including routine veterinary care, grooming, supplements and other services the standard policy excludes.

We gave ASPCA Pet Health Insurance 4.5 out of 5 stars based on our review. With decades of experience and millions of claims paid, the company has proven itself to be a solid choice for most pet owners’ needs. However, its claims processing time may be slower or more cumbersome than some of the more technology-focused competitors on our list. Overall, ASPCA Pet Health Insurance offers a great balance between costs, features and industry experience.

The average cost of an ASPCA Pet Health Insurance plan in Colorado is $29 per month. When we calculated annual premium costs and compared rates against annual veterinary expenses in Colorado, we found that policyholders could save $520 per year.

Take a look at the average costs to insure Colorado pets with an ASPCA Pet Health Insurance plan:

Although ASPCA Pet Health Insurance’s accident and illness plan is affordable, it also offers an accident-only plan to reduce costs further. The accident plan costs an average of $12 per month for cats and $22 per month for dogs. Optional preventive care costs an additional $10 and $25 per month for the basic and prime plans, respectively.

We gave Fetch 4.5 out of 5 stars and named it our top pick for Colorado pet owners looking for special perks, including the most extensive coverage possible. Fetch covers various accidents and illnesses with minimal limitations and exclusions. However, based on quotes we received, the company charges a generally higher premium than many competitors. With a Fetch plan, you have access to additional perks, including $1,000 in allowances for behavior treatments, boarding fees if you are hospitalized, telehealth services and lost pet advertising fees.

On average, a Fetch pet insurance plan costs $93 per month in Colorado. We compared annual premium costs for a Fetch plan to annual pet ownership expenses, including veterinary visits, emergencies, vaccines and medications, and determined policyholders could lose $245 per year.

Because Fetch offers the most comprehensive coverage, its premiums are significantly higher than other providers. Some pet owners could save money depending on plan usage, and others may find the peace of mind that comes with extensive coverage is worth the investment.

The chart below shows the average costs for Colorado dogs and cats with a Fetch pet insurance plan:

For even more coverage than in the standard base plan, Fetch offers optional wellness benefits in three tiers, which cost an additional $11 to $32 per month.

Healthy Paws, earning 4.2 out of 5 stars, rounds out our pet insurance picks for Colorado pets. As a major perk, the company offers unlimited coverage on all its policies. Healthy Paws has been in business for many years and is a reliable choice for small pets and mixed breeds. However, it may not be suitable for large breeds because of restrictions on hip dysplasia coverage. Pet owners choosing Healthy Paws should be aware of minimal customization options, which become limited as pets age.

The average cost of a Healthy Paws plan in Colorado is $52 per month. We compared average annual premium costs against annual pet ownership expenses and determined policyholders could save $244 per year with Healthy Paws.

Here are the average monthly costs for Colorado dogs and cats with a Healthy Paws plan: