Best Pet Insurance In Colorado (2023 Review)

by | 11/17/2022

You care for and nurture your pet while showering it with love. But what happens when a health issue arises? How will you be able to pay for it?

Purchasing the best pet insurance policy is one way to make sure your beloved pet can get all the medical care it needs without having to worry about the financial burden. Pet insurance typically provides three types of plans:

  • Accident-only (swallowed foreign body, broken leg, bite wound)
  • Accident + Illness coverage (accident + cancer care, hereditary conditions, etc.)
  • Wellness plans add-ons (for an additional fee: vet costs, vaccinations, microchipping)

Pet coverage is different in every state and can be overwhelming to sort through. We’ve done research on the top companies that provide pet insurance in Colorado to help you sift through the information and help you decide which insurance provider is right for you and your pet.

Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs:


Top 6 Best Pet Insurance Companies in Colorado

Colorado is a state that prides itself on offering excellent pet health insurance. Read on to find out what all these policies cover (and don’t), how much the average monthly cost is, what add-ons are available, and a few pros and cons of each company. We’ll also break down the deductible options, any available discounts, and annual caps to coverage if any.

Provider Free Quote Waiting Period Money-back Guarantee Maximum Enroll Age BBB Rating Spot Visit Site 14 days* Yes No age limit A Lemonade Visit Site 14 days for illnesses*, 48 hours for accidents  No 14 years old F Embrace Visit Site 14 days for illnesses*, 48 hours for accidents Yes 14 years old A+ Healthy Paws Visit Site 15 days* Yes 14 years old A- ASPCA Visit Site 15 days*  Yes No age limit N/A Prudent Pet Visit Site 5 days for accidents, 14 days for illnesses*  Yes No age limit A+ *Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above. 

Spot Pet Insurance

We ranked Spot as our best overall company and gave it a 4.9/5. It also offers the best pet wellness plan with great pricing for what you get. The gold wellness package starts at $9.95/month and offers $100 of coverage towards dental cleaning. The highest tier of wellness packages is the platinum option at $24.95/month. It provides coverage for dental cleaning and/or spay/neuter, vaccinations, deworming, and urinalysis, which adds up to an annual benefit of $450.

How Much Does Spot Pet Insurance Cost In Colorado?

Most pet owners pay on average $40/month for dog coverage with Spot insurance. Cat owners usually pay around $22/month. However, Spot offers a lot of customization with its plans enabling you to tweak the coverage to better suit your needs and budgets. This can help reduce paying for coverage you don’t really need and will also help your pocketbook. Currently, Spot pet insurance only covers dogs and cats. 


  • Offers extensive coverage within its lowest plan
  • Money-back guarantee if not satisfied with coverage
  • Impressive pre-existing coverage for cured conditions with no symptoms for six months


  • Only offers coverage for dogs and cats
  • Cost of deductible is higher than most competitors’ plans

Learn More: Spot Pet Insurance Review

Lemonade Pet Insurance

A wide range of customizable add-on wellness packages are available starting at $10/month for cats and $15/month for dogs that cover things like vaccinations, one annual wellness visit, and a medical advice chat. It also offers wellness add-ons specifically for kittens and puppies, which offer wider coverage for vaccinations when your kitten or pup will need them. You can expect plans to run around $37/month for dogs and $15/month for cats. Currently, only dogs and cats are covered under its plans.

What Is Covered?

Its base plan covers accident coverage, cancer care and treatments, diagnostic testing and imaging, emergency care, hospitalizations, surgeries, prescriptions, and injections. It also covers various illnesses such as hip dysplasia, heart disease, diabetes, allergies, skin conditions, arthritis, and blood and skin disorders.

Pre-existing conditions, bilateral conditions, anything that could have been prevented, and experimental treatments are not covered.  


  • Offers various ways to score discounted rates, such as when bundling with homeowners insurance, insuring multiple pets, and paying your premium annually
  • Annual deductible is $500 or less
  • User-friendly mobile app to request benefits and access coverage


  • Doesn’t cover bilateral conditions
  • Cannot claim cruciate ligament injuries for six months

Learn More: Lemonade Pet Insurance Review

ASPCA Pet Insurance

ASPCA earned a rating of 4.5/5 for offering the most customizable plans. It doesn’t require an exam before coverage and offers a 30-day money-back guarantee. 

How Much Does ASPCA Pet Insurance Cost In Colorado?

We found the coverage offered by ASPCA tends to run a little higher than other pet insurance providers, with monthly costs in the ballpark of $48/month for dogs and around just under $30/month for cats. Your wellness benefits will cost an additional $10-$25/ month, depending on the coverage you select. This preventative care is optional. ASPCA only covers dogs and cats at the time of this writing.

What Is Covered?

ASPCA offers two different tiers of coverage within its base plan: the accident-only plan and the complete coverage plan. The complete coverage plan is the top level of coverage, offering accident coverage and covers a vast array of different illnesses, genetic disorders, and anxiety-related illnesses.

What Is NOT Covered?

Like most other insurance companies, ASPCA does not cover pre-existing conditions, breeding costs, and non-medically necessary procedures.


  • Waiting period of only 15 days
  • No exam required before coverage
  • Large 10% multi-pet discount


  • Average monthly cost is higher than most
  • Lower annual benefit caps than other pet insurance providers

Learn More: ASPCA Pet Insurance Review

Embrace Pet Insurance

Coming in at third on the list is Embrace, who scored a 4.7/5. It offers the best deductible we’ve found and donates $2 to charity for every policy sold. If you aren’t happy with your policy, you can take advantage of a 30-day money-back guarantee. Coverage at this time is only for dogs and cats.

How Much Does Embrace Pet Insurance Cost In Colorado?

One thing that stood out to us about Embrace is that it customizes your coverage based on your pet. Different levels of coverage are available depending on the pet’s age, breed, and species. Average monthly costs run about $35 for dogs and $18 for cats.

What Is Covered?

The base plan covers Doctors’ visits and treatments based on accidents and illnesses. Several tiers of wellness coverage are available, so you can find an add-on to fit your budget.

What Is NOT Covered?

Pre-existing conditions, breeding and pregnancy costs, deliberate injuries, neglect, cosmetic procedures, DNA testing, stem cell therapy, treatments not deemed medically necessary, routine vet care, and Avian flu will not be covered under Embrace’s policies.


  • Easy to navigate online portal for submitting and checking on claims
  • Annual deductible is lowered when no claims are submitted via the Healthy Pet Deductible
  • Earn discounted rates when you insure multiple pets or have served in the military


  • Annual reimbursements capped at $30,000
  • Coverage is a bit costly compared to other companies

Learn More: Embrace Pet Insurance Review

Healthy Paws Pet Insurance

The most charitable pet insurance company goes to Healthy Paws, hands down. It also ranked at 4.6/5, and we recognized it as the best for chronic conditions. Healthy Paws works closely with Every Quote Gives Hope and Refer-A-Friend grant programs which have led to almost $1.6 million being donated to shelters and rescues. 

How Much Does Healthy Paws Pet Insurance Cost In Colorado?

The average costs for coverage with Healthy Paws end up being around $39/month for dogs and $12/month for cats. No other animals are covered at this time. Overall, the prices aren’t too bad for the amount of coverage you get and provided you don’t need any wellness coverage.

What Is Covered?

Healthy Paws tries to keep things simple by offering only one plan. Its coverage is similar to most other top-tier pet health insurance plans offered by its competition. It covers accidents, illnesses, diagnostic imaging, emergencies, hospital stays, surgeries, specialists, bloodwork, and prescription medications. While the coverage Healthy Paws offers is extensive, you won’t find any add-on coverage available from this pet insurer which means routine wellness visits, vaccinations, and microchipping will have to be paid out of pocket.

What Is NOT Covered?

Healthy Paws does not cover pre-existing conditions, examination fees, parasite control, dental cleaning, spaying/neutering, anal gland expression, behavioral therapy, or boarding costs. 

Different levels of coverage are available based on how old your pet is. For instance, dog coverage is broken down into three different tiers: dogs aged five and under, dogs six to seven, and dogs 8 years old up to 14. Which tier your dog falls into determines the amount of deductible you will have to pay and the percent of compensation on your claims.


  • No cap on annual benefits
  • Quick turnaround time for claims
  • Customizable coverage based on your pet


  • No wellness benefits available
  • No discounts rewarded for insuring multiple pets

Learn More: Healthy Paws Pet Insurance Review

Prudent Pet Insurance

Prudent Pet is last on the list, and we gave it a 4.4/5 due to its comprehensive plans for pet coverage. The company has an outstanding A+ rating with the BBB and offers plans to suit every budget.

How Much Does Prudent Pet Insurance Cost In Colorado?

The average monthly plan for Prudent Pet usually runs around $39/month for dogs and $23/month for cats. It offers a low, medium, and high wellness add-on to help cover the costs of wellness exams, vaccinations, microchipping, and annual blood tests and screenings. The company does not offer any coverage to animals other than cats and dogs.

What Is Covered?

Its accident-only plan can cost you as little as $10/month and will cover things like alternative therapies, bite wounds, broken bones, hospitalizations, surgeries, and radiology services. The next step up is the essential plan which covers everything the accident-only plan covers, plus cancer treatments, congenital defects, hereditary conditions, hip dysplasia, and behavioral conditions up to $250. The top-tier plan is the ultimate plan which has an unlimited annual cap. It covers everything the essential plan covers, plus some extras like boarding and kennel fees, lost pet advertising fees, mortality benefit, and vacation cancellation. 


  • Low annual deductible
  • Has a short five-day waiting period for accidents
  • Offer a 30-day money-back guarantee


  • Some plans can get a little pricey
  • Set annual caps on Accident-only and Essential plans

Learn More: Prudent Pet Insurance Review

How Does Pet Insurance Work in Colorado?

Pet insurance works a little differently than the human version of health insurance. For starters, you usually pay for the vet bill or treatments out of pocket and then file a claim with your pet insurance along with a receipt for reimbursement. Your pet insurance company will either approve or deny your claim depending on whether your expense is covered in your plan and then issue you the money via check or direct deposit.

Since your insurance is directly reimbursing you and not the vet, you don’t have to worry if your vet is in-network with your insurance company. You have the freedom to choose any licensed vet you prefer. The amount of reimbursement you receive depends on your annual deductible and how much you are allotted for annual claims. The average rate of reimbursement ranges from 60-90%. 

How To Choose the Best Pet Insurance in Colorado for You

Choosing pet insurance can be a tedious prospect. We recommend paying particular attention to the following:

  • Ease of submitting claims
  • Amount of monthly costs
  • Coverage needed

Once you know how much money is in the monthly budget, find a plan that gives you the most bang for your buck. Then look at the claim submission process to see how user-friendly it is. The amount of coverage you have won’t matter if the process is such a headache you never submit the claim in the first place.

It’s hard to predict if your pet will need accident or illness coverage, but you know the wellness add-ons will more than likely be used. Having those costs covered can significantly reduce your yearly expenses. According to the 2021-2022 APPA National Pet Owners Survey, pet owners spend an average of $242 annually on routine care for dogs and $178 for cats.

How Much Is Pet Insurance in Colorado?

The cost of pet insurance significantly changes from one state to the next and depends on what type of coverage is needed. Some companies will charge you more the older your pet is and may increase the price depending on your pet’s breed.

Another determining factor for your overall cost is the additional fees associated with add-on packages. The good news is Colorado offers many options to help ensure you get the coverage you need. We’ve broken down the average monthly premiums in Colorado of each company to help you see how much you might have to pay.

Provider Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Sample Monthly Wellness Cost
Spot $40 $22 $9.95- gold

$24.95- platinum

Lemonade $37 $15 $10 for cats

$15 for dogs

Embrace $35 $18 $35
Healthy Paws $39 $12 Not offered
ASPCA $49 $29 $9.95 – basic

$24.95 – prime

Prudent Pet $39 $23 $7.95-19.95 for cats

$11.95-29.95 for dogs

Where in Colorado you live makes a bit of a difference when we pulled a pet insurance quote, and this can depend on the pet insurance provider, but costs are usually decided based in part on zip code.

City Monthly Cost
Denver $38.49
Colorado Springs $29.06
Durango $32.28
Estes Park $32.28
Aspen $38.49

*For our sample quote, we used a 3-year-old mixed breed dog, weighing 21-70 lbs. If you have a puppy, a senior dog or a large breed dog, your quote will vary. If you are looking for cat insurance, you’ll find that is a bit cheaper than dog insurance, and you can also get savings by doing a multi-pet discount.

Final Thoughts

According to CBS News, pet owners in Colorado typically spend more than $1,500 annually on vet care which puts it as one of the highest paying states in the U.S. Purchasing pet insurance can not only decrease your spending but may also allow you to do more for your pet than you could paying out-of-pocket alone. 

With the cost of living continuing to rise, these numbers will likely follow suit. The younger you purchase insurance for your pet, the better, as you will likely never have to face the dreaded “pre-existing conditions” that cause the majority of claim denials.

Information for Pet Owners in Colorado

Living in Colorado with pets presents some unique opportunities and challenges alike. Let’s take a quick look at current pet laws in Colorado, as well as some fun places to bring your pet to in the state.

Read on to see our favorite dog (and cat) friendly excursions as well as some resources available!

Colorado Pet Laws

Colorado has several laws in effect to protect both the animals and citizens of Colorado. Here are a few important laws to keep in mind.

  • Pets in the custody of licensed animal shelters must be held for a minimum of five days before the pet becomes available for adoption or otherwise disposed of.
  • Counties may adopt policies that require animals to be licensed and under control at all times. 
  • Dogs and cats adopted from Colorado animal shelters are considered state pets.
  • Unlawful for any cat or dog owner to allow the animal to run at large if not properly inoculated as deemed necessary by the county board of health.

Fun Things To Do With Your Pet in Colorado

Colorado has lots to offer for you and your pet, whether it’s hiking the plentiful trails or engaging in some whitewater rafting. Several museums now allow dog admission, and unique activities like Jeep tours allow both you and your pet to see the sights. Denver, in particular, is especially pet-friendly, with many tech companies allowing you to bring your pet with you to work.

In addition, many restaurants allow you to now dine with your dog. Doggie boutiques are a new up-and-coming thing popping up all over the city. Regardless of where you live in Colorado, the sky’s the limit when it comes to finding fun things to do with your pet.

Colorado Pet Resources

If you, or someone you know, need help taking care of your pet, here are some resources for you that provide assistance:

  • Fort Collins Pet Rescue: Local food bank that serves pets in need. Call (970) 484-8516.
  • Colorado Pet Pantry: Distributes food to 93 monthly pet food banks across 29 counties in Colorado. Call 303.818.0618 to find a pet food pantry near you.
  • The Ladybug Fund: Have now joined forces with The Street Dog Coalition and help provide emergency veterinarian care for pet owners in Colorado going through hard times. Visit their website for more information.
  • The Pet Fund: Founded in 2003, this national nonprofit helps provide nonemergent veterinarian care to those pet owners experiencing hardships.

Frequently Asked Questions About Pet Insurance in Colorado

What is Pet Insurance? 

Pet insurance is health insurance for your pet that reimburses you for part of your pet’s vet bills based on your specific plan’s coverage. Unlike human insurance, pet insurance providers do not pay for your pet’s medical bill at the vet clinic or animal hospital. Instead, your pet insurance provider will reimburse you directly after you’ve submitted your claim. Most pet insurance plans will reimburse you for between 50 to 90% of the total vet bill. This means that you’ll pay out of pocket for your dog or cat’s medical bill at the time of the visit, then submit your claim to your pet insurance provider, which will then reimburse you for the cost up to your plan’s reimbursement rate.

Is buying pet insurance worth it in Colorado? 

For most pet owners, pet insurance is absolutely worth it. We never know when our pet could have an unexpected accident or develop an illness, so having a backup plan in place to help pay for your pet’s vet bills is beneficial for most pet parents. Vet bills can quickly add up to hundreds, or even thousands of dollars, which many pet parents don’t have readily available. 

Having pet insurance protects you financially and gives you peace of mind that you won’t have to say no to recommended treatments to benefit your pet’s health and happiness.

How do I get reimbursed for a vet bill?

Simply take your cat to any licensed veterinarian and submit your claim. Depending on your provider, you can submit your claim through its mobile app, online member center, or through the mail. Then, you’ll wait for your provider to approve the claim. Once approved, it will reimburse you for the allocated amount in your pet insurance policy through direct deposit or check

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.