Best Pet Insurance In Colorado For 2024
I’ve named Lemonade Pet Insurance as the best option for pet insurance in Colorado.
We’ve saved shoppers an average of $350 per year on their pet insurance.
I investigated numerous pet insurance options to find the most well-rounded coverage for different situations. Lemonade Pet Insurance secured the top spot for the best all-around pet insurance in Colorado.
In the sections ahead, we’ll analyze some of the best pet insurance options in Colorado and how key factors can influence your insurance costs.
Best Pet Insurance In Colorado, 2024
Compare The Best Pet Insurance In Colorado
| Coverage Waiting Period | Best For | Overall Rating | Average Annual Cost for Cats | Average Annual Cost for Dogs | Get A Quote | |
|---|---|---|---|---|---|---|
| Lemonade Pet Insurance |
2 days for accidents and 14 days for illnesses |
Affordable Coverage |
|
$17 |
$32 |
Instant Quote |
| Lemonade Pet Insurance |
2 days for accidents and 14 days for illnesses |
Owners Of Young Pets |
|
$17 |
$32 |
Instant Quote |
| ASPCA |
Immediately for preventive care and 14 days for accidents/illnesses |
New Pet Owners |
|
$18 |
$37 |
Instant Quote |
| Pets Best |
3 days accidents and 14 days illnesses |
Owners Of Multiple Pets |
|
$12 |
$27 |
Instant Quote |
| Lemonade Pet Insurance |
2 days for accidents and 14 days for illnesses |
Overall Coverage |
|
$17 |
$32 |
Instant Quote |
| Embrace |
48 hours for accidents and 14 days for illnesses |
Cat Owners |
|
$14 |
$31 |
Instant Quote |
Best Pet Insurance Providers In Colorado
Best Overall Coverage
Key Statistics
Why We Like Them
⇅The finest pet insurance providers are determined by factors such as cost, customer service, and claim processing efficiency. Lemonade Pet Insurance is a leader in Colorado, offering competitive monthly rates of $18.41 for cats and $35.18 for dogs. Colorado pet owners also highlighted Lemonade’s exceptional customer service and their commitment to animals.
Benefits & Drawbacks
⇅- 48-hour waiting period for accident coverage
- Outstanding claims processing group
- A diverse array of discounts is accessible.
- Some of the monthly costs benefit nonprofit sectors. ✓
- Age restrictions are in place for enrolling certain pet breeds.
- Guidelines are not available in every state.
- Insurance companies factor in the pet owner's credit history and previous claims when setting rates. ✘
Best For Multiple Pets
Key Statistics
Why We Like Them
⇅Caring for more than one pet can increase your costs, but it may also save you money on pet insurance. Providers like Pets Best offer discounts for multi-pet policies. Pets Best also features affordable premiums, with cat insurance averaging $29.54 and dog insurance at $41.39. In addition, they offer a 24/7 vet helpline and coverage for animals with disabilities or special prosthetic needs.
Benefits & Drawbacks
⇅- Our coverage includes pets that use wheelchairs or prosthetics.
- The 24/7 vet healthline offers veterinary assistance whenever you need it.
- A three-day waiting period applies to accident coverage.
- Coverage for accidents and illnesses can be tailored to your needs. ✓
- Claims are handled with less speed than they are by competing firms.
- Policy adjustments are only feasible when renewing. ✘
Best For Owners Of Young Pets
Key Statistics
Why We Like Them
⇅Many people choose to adopt young pets, which can bring joy and excitement to their families. However, the responsibilities of a new kitten or puppy can be a bit overwhelming. Beyond training, selecting a pet insurance provider that simplifies coverage management is key. Lemonade Pet Insurance combines affordability with an easy-to-use mobile app and great customer support. With average premiums of $18.14 for cats and $35.18 for dogs, Lemonade is a top choice for pet owners with young pets.
Benefits & Drawbacks
⇅- Policyholders are eligible for pet injury coverage with a minimal 2-day waiting period.
- Claims are processed promptly.
- There's a diverse range of discounts for policyholders.
- The company channels a portion of the policyholder's premium to nonprofits. ✓
- Once certain pets reach a certain age, they're no longer covered by insurance.
- The policy does not cover all states in the nation.
- Insurance premiums are set considering the pet owner's credit standing and claim background. ✘
Best For New Pet Owners
Key Statistics
Why We Like Them
⇅New pet owners should look for an insurance provider with a proven track record in animal health, like ASPCA. While the premiums are higher, at $38.67 for cats and $83.30 for dogs, ASPCA brings several benefits. They have no age limits, covering senior pets without restrictions, and provide additional options for behavioral and alternative therapies, which can be useful for certain breeds.
Benefits & Drawbacks
⇅- Items covered include alternative therapies, behavioral matters, and conditions present from birth.
- For cruciate injuries, a waiting period of 14 days is necessary.
- Our 24/7 telehealth vet line is always ready to assist.
- Conventional policies cover the costs of vet clinic visits for illnesses and accidents. ✓
- The sole way to acquire unlimited yearly coverage is via an agent.
- There are not many choices for deductions. ✘
Best For Cat Owners
Key Statistics
Why We Like Them
⇅If you’re in Colorado and need great cat insurance, Embrace Pet Insurance is an affordable option, with plans averaging $20.44 per month. They also donate $2 to charitable causes with every policy sold. Embrace is a preferred partner for major insurers like USAA, Allstate, and GEICO.
Benefits & Drawbacks
⇅- You have the opportunity to select affordable policies.
- Many standard insurance plans encompass coverage for treatable pre-existing medical conditions.
- Owners of pets needing orthopedic treatment can fast-track the process with a vet's exam. ✓
- Only accident policies are available for pets aged 14 years and older.
- Standard policies do not encompass additional coverage. ✘
Best Affordable Coverage
Key Statistics
Why We Like Them
⇅While many pet owners want to protect their pets, they often think pet insurance is too pricey. Lemonade Pet Insurance proves this wrong with affordable rates of $18.41 for cats and $35.18 for dogs. They also offer discounts like bundling, cutting costs by up to 15%, and their easy-to-use app simplifies managing policies.
Benefits & Drawbacks
⇅- Accidents require a 2-day waiting period.
- Claims are handled more rapidly than those of other major players.
- A plethora of discounts are waiting for you to use.
- A fraction of your premium is allocated to nonprofits. ✓
- Coverage for certain pet types may terminate once they reach a specific age.
- Restrictions on coverage are determined by your state of residence.
- Insurance pricing for pets is shaped by the owner's credit and past claims. ✘
Average Cost of Pet Insurance In Colorado — By Dog Breed
| Dog Breed | Average Monthly Cost |
| Beagles | $19 |
| Labradoodle | $32 |
| Greyhound | $66 |
| Golden Retriever | $87 |
Average Cost of Pet Insurance In Colorado — By Cat Breed
| Cat Breed | Average Monthly Cost |
| Domestic Shorthair | $17 |
| Sphynx | $18 |
| Siamese | $22 |
| Maine Coon | $23 |
Average Cost of Accident-Only Pet Insurance In Colorado
| Insurance Provider | Average Monthly Cost |
| Lemonade | $26 |
| TrustedPals | $32 |
| Figo | $38 |
| Pets Best | $31 |
| ASPCA | $36 |
Average Cost of Comprehensive Pet Insurance In Colorado
| Insurance Provider | Average Monthly Cost |
| Lemonade | $29 |
| Pets Best | $35 |
| Trusted Pals | $36 |
| FIGO | $42 |
| ASPCA | $56 |
Largest Pet Insurance Companies In The United States
| Insurance Company | Estimated Market Share Percentage |
| Trupanion | 30% |
| Nationwide Mutual Insurance Company | 19% |
| Embrace Pet Insurance | 9% |
| Fetch by the Dodo | 8% |
| Pets Best Insurance | 2.4% |
| Hartville Group Inc. | 1.4% |
| MetLife Pet Insurance | 1.4% |
| Petsecure | 1.3% |
| Healthy Paws Pet Insurance | .73% |
| Pumpkin Pet Insurance | .48% |
How To Buy Pet Insurance In Colorado
Acquiring pet insurance is a clear-cut task, especially through platforms such as Insuranceopedia.
Prior to moving forward, gather crucial details such as your pet’s type, breed, age, medical history, and any relevant documents about their lineage.
Find the coverage amount and deductible that best address your pet’s needs.
Gather quotes from a minimum of three different pet insurance providers to make an informed decision.
Purchase the policy and communicate the new coverage details to your veterinarian.
Things That Impact The Cost Of Pet Insurance In Colorado
Many pet owners think their pet’s monthly insurance cost is based on just a couple of factors. However, multiple factors actually influence the cost, such as:
- Type of Pet
- Breed
- Age
- Type of Insurance
- Location
Type of Pet
The type of pet you have impacts your insurance cost significantly. Dog owners typically pay 2-3 times more than cat owners because dogs are at greater risk from outdoor activities.
Breed
Your pet’s breed also affects the insurance cost. Although most dog breeds don’t significantly alter premiums, some breeds, such as boxers and bulldogs, have higher rates due to their propensity for specific health issues.
Age
Age is a major factor in determining insurance rates. Some insurers offer affordable rates regardless of age, while others might exclude older pets. It’s essential to shop around if you have a senior pet.
Insurance Type
When buying pet insurance, you usually have two main options: accident-only or accident and illness coverage. Comprehensive plans generally cost more but offer more protection. Assess if the additional expense is worth the benefits.
Location
Your location can also influence your insurance premiums. While city-to-city differences are often minor, some states may have higher premiums due to a higher number of claims in those areas.
How To Find The Best Pet Insurance Company For You
Getting a pet insurance plan is akin to buying health or life insurance for yourself. Comparing rates and coverage details is important, but first, it’s vital to understand the core elements of a pet insurance policy. Many insurers offer either accident-only coverage or more comprehensive plans that cover both accidents and illnesses.
Accident-only coverage often works best for younger pets with fewer age-related health issues, while comprehensive plans are better for breeds with higher health risks. Also, consider the waiting period, as different insurers have varying terms for coverage on accidents and illnesses.
Pet Insurance Discounts In Colorado
Pet insurance costs in Colorado, similar to health insurance, can be affected by your location. To reduce costs, explore various discount options. Although not all providers offer the same discounts, consider these:
- Discounts from your employer
- Multi-pet discounts
- Discounts available through unions
- Discounts from special interest or wholesale groups
- Discounts for having multiple policies
- Discounts for military personnel, both active and retired
- Senior citizen discounts
- Online policy purchase discounts
- Discounts for animal care professionals
- Discounts for service animals
Our Methodology
We conducted a detailed analysis of pet insurance options in Colorado to identify the most affordable choices. Our team, with over two decades of collective insurance expertise, provided valuable insights. It's crucial to bear in mind that while the rates presented in this guide are current, premiums may vary daily based on factors like your pet's age and breed.
Quotes Analyzed
Brands Reviewed
Years Of Industry Experience
Research Hours
FAQs
Do all vets take pet insurance in Colorado?
In Colorado, all vet clinics support pet insurance, where pet owners handle the vet bills upfront and later get the costs reimbursed by their insurer.
How much is pet insurance in Colorado?
Reflecting a common trend nationwide, cat owners in Colorado generally pay less for insurance than dog owners. Cat insurance typically costs $27.56 per month, while dog insurance averages $48.81.
Legally, am I required to insure my pet in Colorado?
While insuring your pets is a good idea, it’s important to note that Colorado does not legally require you to have insurance for your dog or cat.
Related Content
Does Pet Insurance Cover Medication? How Does Pet Insurance Work? Do All Vets Take Pet Insurance?
Pet Insurance In Your Area
Best Pet Insurance In Arkansas Best Pet Insurance In Louisiana Best Pet Insurance In Idaho
